CL Card (Ledger) vs MetaMask Card
Crypto native
Crypto native
Verdict
- At least one of the two cards does not have enough published data for an overall score.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
CL Card (Ledger) is a good fit for
- No specific audience can be derived from the published data yet.
MetaMask Card is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
- Frequent travellers
Score by criterion
| Criterion | CL Card (Ledger) | MetaMask Card |
|---|---|---|
| Fees | – | 100 |
| Cashback & rewards | 25 | 27 |
| Availability | 100 | 100 |
| FX & international | – | 100 |
| Product features | – | – |
| Custody & security | – | 80 |
| Credit & financing | – | 30 |
| Limits & ATM | – | – |
| Transparency | – | 86 |
| Best for Cashback | 4.3 | 5.7 |
| Best for Travel | n/a | 7.9 |
| Best for Self-Custody | n/a | 7.4 |
| Best for DeFi Users | n/a | 6.3 |
| Best for Stablecoins | n/a | 7.6 |
| Best for High Spenders | n/a | 5.5 |
| Best for Low Fees | n/a | 9.0 |
| Best for Beginners | n/a | 7.5 |
Product
Product status
ActiveShow source
Product status: Active
Source: CL Card compatible with Ledger
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 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
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
BaanxShow source
Card issuer / program manager: Baanx
Source: CL Card compatible with Ledger
Official product page (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
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
FX fee
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
Other fees & markups
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%
Calculated monthly on all card spend
Source states (paraphrased): 1% in BTC or USDC (US) / BTC or USDT (elsewhere).
Source: CL Card compatible with Ledger
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Calculated monthly on all card spend
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
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
BTC, USDC (US) or USDT (outside US)Show source
Cashback paid in: BTC, USDC (US) or USDT (outside US)
Source: CL Card compatible with Ledger
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
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
CryptoShow source
Cashback type: Crypto
Source: CL Card compatible with Ledger
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
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%
Credit & financing
Credit line
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
EEA, United Kingdom, United States, Canada, Switzerland, Colombia, Mexico, Brazil*Show source
Available in: EEA, United Kingdom, United States, Canada, Switzerland, Colombia, Mexico, Brazil
Per Ledger shop FAQ; other Ledger pages list fewer regions
Source: CL Card compatible with Ledger
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 50%
Per Ledger shop FAQ; other Ledger pages list fewer regions
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
Annual cost at 1,500 EUR/month
CL Card (Ledger)
- Annual & monthly feesunknown
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashback+180 EUR
- Net annual valuenot enough data
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