<ul>
<li>一位 Reddit 用户想知道为什么金属信用卡会受到如此多的关注。</li>
<li>一些帖子评论说，较重、更华丽的卡片让他们感到快乐。</li>
<li>在选择信用卡时，除了材料之外，还有更重要的功能需要关注。</li>
<li>这听起来难以置信，但如今有些信用卡提供高达 5% 的现金返还、大额账单抵扣、$0 年费、旅行奖励等更多优惠。亲自去看看。如果你今天申请一张卡，你可能会获得一些最好的奖励。今天就开始吧。</li>
</ul>
<p>信用卡提供了许多不同的功能，在决定哪张卡适合放在你的钱包里时，这些功能是值得关注的。在某些情况下，卡片宣传的功能之一是它们是由金属制成的。</p>
<p>最近，一位 Reddit 用户询问这些金属卡的意义何在。这位 Reddit 用户评论道：“我从来不理解金属卡的热潮。” 并询问其他人认为它们的好处是什么。</p>
<p>这位发帖者承认他喜欢卡片的厚度和手感，但不知道它是否有实际的好处，比如保护内部芯片，或者这些卡片为何会用这种材料制作的实际原因。</p>
<h2>金属信用卡的好处是什么？</h2>
<p>金属卡首次亮相于 1999 年，当时美国运通的 Centurion 卡作为金属卡发布。这张卡更为人所知的是 AMEX 黑卡，它是所有卡中最具声望的卡之一，因为它仅向大额消费的客户提供，并且仅通过邀请获得。</p>
<p>随着这张卡的发布，金属卡成为奢华和地位的象征，现在其他卡片也开始使用金属材料，以满足那些想要地位象征的人。通常，这些卡的年费高于平均水平，并提供丰富的会员福利和特权。虽然它们不是 AMEX 黑卡，但拥有一张金属卡仍然可以被视为一种地位象征。</p>
<p>金属卡可能比塑料卡更耐用。然而，由于普通人可能在卡片到期之前并不会磨损它们，因此这可能更多是一种理论上的好处，而不是值得为了获得卡片而追求的实际好处。</p>
<p>最终，正如一位 Reddit 用户在原帖下的热门评论所建议的，围绕金属卡的热潮的解释可能非常简单：“猴子大脑喜欢重的卡。”</p>
<h2>你应该获得一张金属信用卡吗？</h2>
<p><img src="https://imageproxy.pbkrs.com/https://247wallst.com/wp-content/uploads/2025/08/shutterstock-3140629-huge-licensed-scaled.jpg?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" original-src="https://imageproxy.pbkrs.com/https://247wallst.com/wp-content/uploads/2025/08/shutterstock-3140629-huge-licensed-scaled.jpg"/></p>
<p>虽然金属卡因其流线型外观而受到很多关注，许多其他发帖者也同意猴子大脑理论，但实际上，卡片的材料可能不应该成为你决定使用哪张信用卡时考虑的因素。</p>
<p>市面上有很多优秀的信用卡，当你在它们之间做决定时，应该关注那些真正重要的功能，这些功能可能会影响你作为持卡人的体验。这些功能包括：</p>
<ul>
<li><strong>卡片的年费</strong>：信用卡的费用范围很广。有很多优秀的免费卡，但也有一些年费高达数百美元的好卡。你不一定需要避开有费用的卡，但你确实需要确保它们的费用是合理的。</li>
<li><strong>卡片的奖励计划</strong>：你需要决定是想要现金返还、里程，还是可以兑换旅行或商品的积分。你还需要考虑是否想要一张在特定消费类别中提供额外奖励的卡，比如 5% 或 3% 的返还，还是一张在所有消费中都提供良好固定比例（如 2%）的卡。</li>
<li><strong>卡片的特权</strong>：卡片有各种不同的特权。许多卡提供旅行中断保险或退货保护，以防商家不接受有缺陷的商品。一些卡提供购买的账单抵扣或航空公司休息室的访问权限。在选择卡片时，考虑你想使用的特权以及你愿意为之付费的特权。</li>
<li><strong>卡片的费用</strong>：如果你有余额（你不应该有），那么卡片的年利率（APR）需要成为你关注的最重要的事项之一，因为利息成本可能远高于奖励或特权的价值。如果你要出国旅行，还应查看卡片是否收取外币交易费。</li>
</ul>
<p>这些功能才是选择卡片时真正重要的。如果你喜欢的卡恰好是金属的，那很好，如果它让你感到快乐。如果你找到的卡是塑料的，那在长远来看并不重要。</p>
<p>帖子《好吧，为什么金属信用卡会如此受关注？》首次出现在 24/7 Wall St.。</p>

美国运通

<p>一位 Reddit 用户质疑了金属信用卡的热潮，引发了关于其感知益处的讨论。虽然像 AMEX 黑卡这样的金属卡象征着奢华和地位，但专家建议，材料不应成为选择信用卡的主要因素。相反，消费者应关注年费、奖励计划和对持卡人体验有显著影响的卡片福利等基本特征。最终，金属卡的吸引力可能源于其美学和触感特性，而非实际优势</p>

<ul>
<li>A Reddit user is wondering why metal credit cards get so much attention.</li>
<li>Some posters commented that the heavier, fancier cards make them happy.</li>
<li>There are more important features to look for when selecting a card than the material it is made of.</li>
<li>It’s hard to believe, but today there are credit cards offering up to 5% cash back, large statement credits, $0 annual fees, travel rewards, and more. See for yourself. If you apply for a card today you could secure some of the best rewards out there. Get started today.</li>
</ul>
<div class="lb-trans"><ul>
<li>一位 Reddit 用户想知道为什么金属信用卡会受到如此多的关注。</li>
<li>一些帖子评论说，较重、更华丽的卡片让他们感到快乐。</li>
<li>在选择信用卡时，除了材料之外，还有更重要的功能需要关注。</li>
<li>这听起来难以置信，但如今有些信用卡提供高达 5% 的现金返还、大额账单抵扣、$0 年费、旅行奖励等更多优惠。亲自去看看。如果你今天申请一张卡，你可能会获得一些最好的奖励。今天就开始吧。</li>
</ul>
</div><p>Credit cards offer lots of different features that are worth looking for when you are deciding which card belongs in your wallet. In some cases, one of the features that cards advertise is that they are made of metal.</p>
<div class="lb-trans"><p>信用卡提供了许多不同的功能，在决定哪张卡适合放在你的钱包里时，这些功能是值得关注的。在某些情况下，卡片宣传的功能之一是它们是由金属制成的。</p>
</div><p>Recently, a Reddit user asked what the point of these metal cards is. The Reddit user commented, “Never really understood the hype about metal cards,” and asked others what they felt the benefits were.</p>
<div class="lb-trans"><p>最近，一位 Reddit 用户询问这些金属卡的意义何在。这位 Reddit 用户评论道：“我从来不理解金属卡的热潮。” 并询问其他人认为它们的好处是什么。</p>
</div><p>The poster admitted that he liked the thickness and feel of the card, but didn’t know if it had actual benefits like protecting the chip inside or if there was any actual reason why the cards would be made of this material.</p>
<div class="lb-trans"><p>这位发帖者承认他喜欢卡片的厚度和手感，但不知道它是否有实际的好处，比如保护内部芯片，或者这些卡片为何会用这种材料制作的实际原因。</p>
</div><h2>What are the benefits of metal credit cards?</h2>
<div class="lb-trans"><h2>金属信用卡的好处是什么？</h2>
</div><p>Metal cards first debuted in 1999 when the American Express Centurion card was released as a metal card. This card is better known as the AMEX Black Card, and it is one of the most prestigious of all cards, as it’s available only to big spenders and by invitation only.</p>
<div class="lb-trans"><p>金属卡首次亮相于 1999 年，当时美国运通的 Centurion 卡作为金属卡发布。这张卡更为人所知的是 AMEX 黑卡，它是所有卡中最具声望的卡之一，因为它仅向大额消费的客户提供，并且仅通过邀请获得。</p>
</div><p>Metal cards became a symbol of luxury and status with the release of that card, and now other cards are being made of metal as well for those who also want a status symbol. Typically, these cards have higher annual fees than average and they offer ample cardmember benefits and perks. While they aren’t the AMEX black card, having a metal card could still be seen as a status symbol.</p>
<div class="lb-trans"><p>随着这张卡的发布，金属卡成为奢华和地位的象征，现在其他卡片也开始使用金属材料，以满足那些想要地位象征的人。通常，这些卡的年费高于平均水平，并提供丰富的会员福利和特权。虽然它们不是 AMEX 黑卡，但拥有一张金属卡仍然可以被视为一种地位象征。</p>
</div><p>Metal cards may also be more durable than plastic cards. However, since the average person probably isn’t wearing out their cards before they expire anyway, that’s probably more of a theoretical perk than an actual benefit worth getting a card for.</p>
<div class="lb-trans"><p>金属卡可能比塑料卡更耐用。然而，由于普通人可能在卡片到期之前并不会磨损它们，因此这可能更多是一种理论上的好处，而不是值得为了获得卡片而追求的实际好处。</p>
</div><p>Ultimately, as one of the top Reddit comments responding to the original post suggested, the explanation for the hype around metal cards may really be a very simple one: “Monkey brain like when card heavy.”</p>
<div class="lb-trans"><p>最终，正如一位 Reddit 用户在原帖下的热门评论所建议的，围绕金属卡的热潮的解释可能非常简单：“猴子大脑喜欢重的卡。”</p>
</div><h2>Should you get a metal credit card?</h2>
<div class="lb-trans"><h2>你应该获得一张金属信用卡吗？</h2>
</div><p><img src="https://imageproxy.pbkrs.com/https://247wallst.com/wp-content/uploads/2025/08/shutterstock-3140629-huge-licensed-scaled.jpg" alt="" original-src="https://247wallst.com/wp-content/uploads/2025/08/shutterstock-3140629-huge-licensed-scaled.jpg"/></p>
<p>While metal cards may get a lot of attention for their sleek look, and many other posters also agreed with the monkey brain theory, the reality is that the material that your card is made of probably should not be a factor that you consider in deciding what credit card to use.</p>
<div class="lb-trans"><p>虽然金属卡因其流线型外观而受到很多关注，许多其他发帖者也同意猴子大脑理论，但实际上，卡片的材料可能不应该成为你决定使用哪张信用卡时考虑的因素。</p>
</div><p>There are a ton of great credit cards out there, and when you are deciding between them, you should focus on the features that actually matter and that are likely to impact your experiences as a cardholder. Those features include things like:</p>
<div class="lb-trans"><p>市面上有很多优秀的信用卡，当你在它们之间做决定时，应该关注那些真正重要的功能，这些功能可能会影响你作为持卡人的体验。这些功能包括：</p>
</div><ul>
<li><strong>The card’s annual fee</strong>: There is a wide range of costs when it comes to credit cards. There are many great free cards out there, but there are also good cards that have fees totaling hundreds of dollars per year. You don’t necessarily need to steer clear of cards with fees, but you do want to make sure they justify their cost.</li>
<li><strong>The card’s rewards program:</strong> You’ll need to decide if you want cash back, miles, or points that can be traded in for travel or merchandise. You’ll also need to consider whether you want a card that offers bonus rewards for specific categories of spending, like 5% or 3% back, or one that just generally offers a good flat rate like 2% on <em>all</em> purchases.</li>
<li><strong>The card’s perks.</strong> Cards have all kinds of different perks. Many cards offer things like trip interruption insurance or return protection in case a merchant won’t take a defective item back. Some offer statement credits for purchases or airline lounge access. Think about both what perks you want to use and what perks you are willing to pay for when selecting a card.</li>
<li><strong>The card’s costs.</strong> If you are carrying a balance (which you shouldn’t), then the card’s APR needs to be one of the most important things you look at because the cost of interest can be far higher than the value of rewards or perks. You should also look at whether the card charges things like foreign transaction fees if you’ll be traveling abroad.</li>
</ul>
<div class="lb-trans"><ul>
<li><strong>卡片的年费</strong>：信用卡的费用范围很广。有很多优秀的免费卡，但也有一些年费高达数百美元的好卡。你不一定需要避开有费用的卡，但你确实需要确保它们的费用是合理的。</li>
<li><strong>卡片的奖励计划</strong>：你需要决定是想要现金返还、里程，还是可以兑换旅行或商品的积分。你还需要考虑是否想要一张在特定消费类别中提供额外奖励的卡，比如 5% 或 3% 的返还，还是一张在所有消费中都提供良好固定比例（如 2%）的卡。</li>
<li><strong>卡片的特权</strong>：卡片有各种不同的特权。许多卡提供旅行中断保险或退货保护，以防商家不接受有缺陷的商品。一些卡提供购买的账单抵扣或航空公司休息室的访问权限。在选择卡片时，考虑你想使用的特权以及你愿意为之付费的特权。</li>
<li><strong>卡片的费用</strong>：如果你有余额（你不应该有），那么卡片的年利率（APR）需要成为你关注的最重要的事项之一，因为利息成本可能远高于奖励或特权的价值。如果你要出国旅行，还应查看卡片是否收取外币交易费。</li>
</ul>
</div><p>These features are the things that actually matter when selecting a card. If the card you like happens to be metal, then that’s great if it makes you happy. If the card you find is plastic, that doesn’t really matter in the long run.</p>
<div class="lb-trans"><p>这些功能才是选择卡片时真正重要的。如果你喜欢的卡恰好是金属的，那很好，如果它让你感到快乐。如果你找到的卡是塑料的，那在长远来看并不重要。</p>
</div><p>The post Okay, Why All The Hype About Metal Credit Cards? appeared first on 24/7 Wall St..</p>
<div class="lb-trans"><p>帖子《好吧，为什么金属信用卡会如此受关注？》首次出现在 24/7 Wall St.。</p>
</div>

那么，为什么金属信用卡会引起如此大的关注呢？