A metal pen with a Cross refill in black, red, and blue typically refers to a high-quality, durable writing instrument with the following features:

• Material: The pen is made of metal, often crafted from materials like stainless steel, brass, or aluminum, which gives it a premium feel and sturdiness.
• Refill Compatibility: The pen is compatible with Cross refills, a well-known brand offering smooth writing experiences. Cross refills are often easy to replace and come in various ink colors such as black, red, and blue.
• Ink Colors: The pen allows you to choose between black, red, or blue ink, providing versatility for different writing tasks like note-taking, editing, or signing documents.
• Design: Metal pens, particularly from Cross, often feature an elegant and professional design, sometimes with a smooth or textured finish and a comfortable grip. They are commonly used in corporate or formal settings.
• Refill Type: The refills are usually ballpoint or gel, providing consistent, smooth ink flow.