Key Points A Reddit user is wondering why metal credit cards get so much attention. The Reddit user commented, “Never really understood the hype about metal cards,” and asked others what they felt the benefits were. What are the benefits of metal credit cards? Metal cards first debuted in 1999 when the American Express Centurion card was released as a metal card. Those features include things like:The card’s annual fee : There is a wide range of costs when it comes to credit cards.