Exa Card (Uphold) vs MetaMask Card
Crypto native
Crypto native
Verdict
- MetaMask Card scores higher overall (7.2 vs 6.5 out of 10).
- Exa Card (Uphold) is clearly stronger on: Fees, Credit & financing.
- MetaMask Card is clearly stronger on: Product features, Custody & security.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Exa Card (Uphold) is a good fit for
- Users who need credit rather than a debit/prepaid card
Stronger on: Fees, Credit & financing
MetaMask Card is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
- Frequent travellers
Stronger on: Product features, Custody & security
★ Our pickEditorial choice · score unchanged · Affiliate link
Neither card is our pick. The card we recommend instead:
Crypto native · ether.fi
Why we recommend it
- 3% cashback in ETHFI on up to $2,000 of spend a monthConditions apply
- 5.35% variable interest on your balanceConditions apply
- No annual or monthly fee on the base tierConditions apply
- Extras on the base tier: airport lounge access, travel / rental car insurance, purchase protectionConditions apply
- Self-custody: funds stay in your own walletConditions apply
Conditions apply; the review lists them with sources.
Score by criterion
| Criterion | Exa Card (Uphold) | MetaMask Card |
|---|---|---|
| Fees | 100 | 90 |
| Cashback & rewards | – | 27 |
| Availability | – | 100 |
| FX & international | – | 100 |
| Product features | 53 | 70 |
| Custody & security | 70 | 80 |
| Credit & financing | 60 | 30 |
| Limits & ATM | – | 60 |
| Transparency | 100 | 93 |
| Best for Cashback | n/a | 5.7 |
| Best for Travel | n/a | 8.2 |
| Best for Self-Custody | n/a | 7.5 |
| Best for DeFi Users | 6.8 | 6.4 |
| Best for Stablecoins | n/a | 7.6 |
| Best for High Spenders | n/a | 5.6 |
| Best for Low Fees | 8.0 | 8.8 |
| Best for Beginners | 7.3 | 8.0 |
| Best Crypto Credit Card | 7.0 | n/a |
Conditions apply, e.g. only for the base tier, up to a monthly cap or in some countries. Tap a value with * (or hover over it) to see them.
Product
Product status
ActiveShow source
ActiveShow source
Card type
Crypto-backed creditShow source
Debit cardShow source
Network
VisaConditions apply: tap or hover for detailsShow source
Visa Signature
MastercardShow source
Custody model
HybridConditions apply: tap or hover for detailsShow source
Collateral leaves Uphold and is held in Exactly Protocol smart contracts
Self-custodyShow source
Card issuer / program manager
Third National; credit by Exactly ProtocolShow source
Baanx (now Monavate)Conditions apply: tap or hover for detailsShow source
Program manager; US card issued by Cross River Bank
Tiers / plans
Free · MetalShow source
Fees
Annual fee
FreeShow source
FreeConditions apply: tap or hover for detailsShow source
Virtual card; Metal tier $199/year
Monthly fee
FreeConditions apply: tap or hover for detailsShow source
Virtual card; no maintenance fees
Virtual card fee
FreeConditions apply: tap or hover for detailsShow source
Created automatically with the Instant Credit account
FreeShow source
FX fee
0%Conditions apply: tap or hover for detailsShow source
Mastercard exchange rate, no additional MetaMask fee
Crypto conversion fee
0.88%Conditions apply: tap or hover for detailsShow source
Free and Metal tier, for other cryptocurrencies (e.g. wETH); no fee for stablecoins in cardholder's local currency/USD; 0.5% for stablecoins in a currency of neither cardholder nor merchant country; DeFi tokens (e.g. aUSDC) free up to $1,200/mo then 0.5%
ATM fee
2%Conditions apply: tap or hover for detailsShow source
Free tier; Metal: no fee up to $1,200/mo, then 2%; ATM operator may charge additional fees
Other fees & markups
1% cross-border fee when the merchant is outside the cardholder's country (Free tier; Metal: no fee, subject to fair usage) · 0.5% on stablecoins denominated in a currency of neither the cardholder's nor the merchant's country · Small variable network gas fee (typically $0.01) · DeFi tokens / tokenized yield (e.g. aUSDC): no fee up to $1,200/mo, then 0.5%Show source
Cashback & rewards
Base cashback
1%Conditions apply: tap or hover for detailsShow source
Virtual card, eligible purchases
Max cashback
3%Conditions apply: tap or hover for detailsShow source
Metal tier ($199/yr), first $10,000 spent per year, then 1%
Cashback paid in
mUSDShow source
Cashback type
StablecoinShow source
Cashback conditions
Metal: 3% only on first $10,000 spent each year, then 1%Show source
Credit & financing
Credit line
YesShow source
NoShow source
Credit type
InstalmentsConditions apply: tap or hover for detailsShow source
One payment or up to 8 fixed-rate installments every 28 days
Collateral assets
BTC · ETH · USDC · XRPShow source
Interest notes
Fixed APR per payment option, confirmed at purchaseShow source
Liquidation risk
YesConditions apply: tap or hover for detailsShow source
Spending limit depends on collateral value and health score
Spend own balance directly
YesShow source
Spend by borrowing against collateral
YesShow source
Availability
Available in
AD, Argentina, Austria, Belgium, Brazil, Bulgaria, Canada, Chile, Colombia, CR, Croatia, Cyprus, Denmark, DO, SV, Finland, France, Germany, GI, Greece, GT, GG, Hungary, Iceland, Ireland, IM, Italy, JE, Liechtenstein, Luxembourg, Malta, Mexico, MC, Netherlands, Norway, PA, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland, UYConditions apply: tap or hover for detailsShow source
Full country list in the FAQ; signups in the US and the UK are temporarily closed
Features
Apple Pay
YesShow source
YesShow source
Google Pay
YesShow source
YesShow source
Physical card
NoShow source
YesConditions apply: tap or hover for detailsShow source
Metal tier only ($199/year); new Metal orders temporarily paused as of June 2nd, 2026; Free tier has no physical card
Virtual card
YesShow source
YesShow source
ATM withdrawals
YesConditions apply: tap or hover for detailsShow source
US only; users in other regions cannot withdraw cash at ATMs
Spend stablecoins
YesShow source
Spendable assets
mUSD · wETH · EURe · GBPe · USDC · USDTConditions apply: tap or hover for detailsShow source
FAQ says 'nine tokens' but lists only these six
Blockchains
Linea · Solana · Monad · BaseShow source
Limits
ATM limit
$1,000Conditions apply: tap or hover for detailsShow source
Per day, Virtual column of the comparison table; Metal $5,000/day
Spending limit
$15,000Conditions apply: tap or hover for detailsShow source
Per day, Virtual card; Metal $30,000/day
Annual cost at 1,500 EUR/month
Exa Card (Uphold)
- Annual & monthly fees+0 EUR
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashbackunknown
- Net annual valuenot enough data
MetaMask Card
- Annual & monthly fees+0 EUR
- FX costs+0 EUR
- Crypto conversion–
- ATM costs−24 EUR
- Cashback+180 EUR
- Net annual value156 EUR
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers