Bitpanda Card vs MetaMask Card
Crypto native
Crypto native
Verdict
- MetaMask Card scores higher overall (7.2 vs 6.3 out of 10).
- MetaMask Card is clearly stronger on: Availability.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Bitpanda Card is a good fit for
- Frequent travellers
MetaMask Card is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
- Frequent travellers
Stronger on: Availability
Score by criterion
| Criterion | Bitpanda Card | MetaMask Card |
|---|---|---|
| Fees | 100 | 100 |
| Cashback & rewards | 21 | 27 |
| Availability | 70 | 100 |
| FX & international | 100 | 100 |
| Product features | – | – |
| Custody & security | – | 80 |
| Credit & financing | 30 | 30 |
| Limits & ATM | 60 | – |
| Transparency | 86 | 86 |
| Best for Cashback | 5.0 | 5.7 |
| Best for Travel | 7.7 | 7.9 |
| Best for Self-Custody | n/a | 7.4 |
| Best for DeFi Users | 5.3 | 6.3 |
| Best for Stablecoins | n/a | 7.6 |
| Best for High Spenders | 5.4 | 5.5 |
| Best for Low Fees | 9.2 | 9.0 |
| Best for Beginners | 6.7 | 7.5 |
Product
Product status
ActiveShow source
Product status: Active
Source: The Bitpanda Visa Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
ActiveShow source
Product status: Active
Source: Spend crypto for everyday purchases with MetaMask Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Card type
Debit cardShow source
Card type: Debit card
Source: The Bitpanda Visa Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Debit cardShow source
Card type: Debit card
Source states (paraphrased): Self-custodial debit card.
Source: MetaMask Card FAQs
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Network
VisaShow source
Network: Visa
Source: The Bitpanda Visa Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
MastercardShow source
Network: Mastercard
Source states (paraphrased): Accepted wherever Mastercard is accepted (150M+ merchants).
Source: Spend crypto for everyday purchases with MetaMask Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Custody model
Self-custodyShow source
Custody model: Self-custody
Source states (paraphrased): Card spends from your self-custodial MetaMask wallet.
Source: MetaMask Card FAQs
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Card issuer / program manager
TPML (Visa member)Show source
Card issuer / program manager: TPML (Visa member)
Source: Bitpanda card FAQs
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Tiers / plans
Virtual (free) · Metal ($199/year)Show source
Tiers / plans: Virtual (free) · Metal ($199/year)
Source: MetaMask Metal card
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Fees
Annual fee
FreeShow source
Annual fee: Free
Source states (paraphrased): No card fees, monthly account fees or transaction fees for payments in EUR.
Source: Bitpanda card FAQs
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Free*Show source
Annual fee: Free
Virtual card; Metal tier $199/year
Source states (paraphrased): Virtual card has no annual or maintenance fees; Metal is $199 a year.
Source: MetaMask Card FAQs
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Virtual card; Metal tier $199/year
Monthly fee
FreeShow source
Monthly fee: Free
Source: Bitpanda card FAQs
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Replacement fee
€5.90Show source
Replacement fee: €5.90
Source: Bitpanda card FAQs
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
FX fee
0%*Show source
FX fee: 0%
No Bitpanda fee; Visa's own exchange-rate mark-up applies
Source: Bitpanda card FAQs
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
No Bitpanda fee; Visa's own exchange-rate mark-up applies
0%*Show source
FX fee: 0%
Mastercard exchange rate, no additional MetaMask fee
Source states (paraphrased): Best FX rate allowed by Mastercard, no additional fees.
Source: MetaMask Card FAQs
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Mastercard exchange rate, no additional MetaMask fee
ATM fee
2% (min. €2)*Show source
ATM fee: 2% (min. €2)
Plus local ATM operator fees
Source: Bitpanda card FAQs
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Plus local ATM operator fees
Other fees & markups
Every card payment is an asset-to-fiat trade charged at the usual Bitpanda trading fee · Extra physical card €10Show source
Other fees & markups: Every card payment is an asset-to-fiat trade charged at the usual Bitpanda trading fee · Extra physical card €10
Source: Bitpanda card FAQs
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Small per-transaction fee on the Virtual card (amount not stated) · Gas cost when claiming cashbackShow source
Other fees & markups: Small per-transaction fee on the Virtual card (amount not stated) · Gas cost when claiming cashback
Source: MetaMask Card FAQs
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Cashback & rewards
Base cashback
1%*Show source
Base cashback: 1%
On payments funded with crypto
Source states (paraphrased): Cashback fixed at 1% of all qualifying transactions, no longer determined by BEST VIP level.
Source: Bitpanda Card Product Terms v2.0.0 (1 April 2025)
Official terms & conditions (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
On payments funded with crypto
1%*Show source
Base cashback: 1%
Virtual card, eligible purchases
Source states (paraphrased): Virtual card earns 1% back in mUSD.
Source: Spend crypto for everyday purchases with MetaMask Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Virtual card, eligible purchases
Max cashback
1%Show source
Max cashback: 1%
Source: Bitpanda Card Product Terms v2.0.0 (1 April 2025)
Official terms & conditions (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
3%*Show source
Max cashback: 3%
Metal tier ($199/yr), first $10,000 spent per year, then 1%
Source states (paraphrased): 3% mUSD back on the first $10,000 spent each year, 1% thereafter.
Source: MetaMask Metal card
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Metal tier ($199/yr), first $10,000 spent per year, then 1%
Cashback paid in
mUSDShow source
Cashback paid in: mUSD
Source: Spend crypto for everyday purchases with MetaMask Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Cashback type
Crypto*Show source
Cashback type: Crypto
Paid in the crypto used for the purchase
Source: What is the Bitpanda Card and what are its benefits?
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Paid in the crypto used for the purchase
StablecoinShow source
Cashback type: Stablecoin
Source: Spend crypto for everyday purchases with MetaMask Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Staking / holding required for top rewards
NoShow source
Staking / holding required for top rewards: No
Source states (paraphrased): Cashback no longer determined by the customer's BEST VIP level.
Source: Bitpanda Card Product Terms v2.0.0 (1 April 2025)
Official terms & conditions (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Reward exclusions
Payments funded with euro (fiat) · Precious metals · StablecoinsShow source
Reward exclusions: Payments funded with euro (fiat) · Precious metals · Stablecoins
Source: What is the Bitpanda Card and what are its benefits?
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Credit & financing
Credit line
NoShow source
Credit line: No
Source: The Bitpanda Visa Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
NoShow source
Credit line: No
Source states (paraphrased): Described as a self-custodial debit card.
Source: MetaMask Card FAQs
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Spend own balance directly
YesShow source
Spend own balance directly: Yes
Source: MetaMask Card FAQs
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Availability
Available in
Euro area*Show source
Available in: Euro area
Residents of euro-area countries with a verified account; not for users verified via Bankident
Source states (paraphrased): The card requires a verified account and residence in a country that uses the euro.
Source: What is the Bitpanda Card and what are its benefits?
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Residents of euro-area countries with a verified account; not for users verified via Bankident
Argentina, Brazil, Canada, Colombia, EEA, Mexico, Switzerland, United States, United Kingdom*Show source
Available in: Argentina, Brazil, Canada, Colombia, EEA, Mexico, Switzerland, United States, United Kingdom
Issuer lists 'Europe'; mapped to EEA
Source states (paraphrased): Available in Argentina, Brazil, Canada, Colombia, Europe, Mexico, Switzerland, the US and the UK.
Source: MetaMask Card FAQs
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Issuer lists 'Europe'; mapped to EEA
Features
Spend stablecoins
YesShow source
Spend stablecoins: Yes
Source: Spend crypto for everyday purchases with MetaMask Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Blockchains
Linea · Base · Solana*Show source
Blockchains: Linea · Base · Solana
Solana not supported in the US; Base not in NY and TX
Source: MetaMask and Mastercard launch the US MetaMask Card
Official announcement (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Solana not supported in the US; Base not in NY and TX
Limits
ATM limit
€500*Show source
ATM limit: €500
Per day
Source: Bitpanda card FAQs
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Per day
Annual cost at 1,500 EUR/month
Bitpanda Card
- Annual & monthly fees+0 EUR
- FX costs+0 EUR
- Crypto conversion–
- ATM costs−24 EUR
- Cashback+180 EUR
- Net annual value156 EUR
MetaMask Card
- Annual & monthly fees+0 EUR
- FX costs+0 EUR
- Crypto conversion–
- ATM costsunknown
- Cashback+180 EUR
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers