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MetaMask Card vs THORWallet Card

MetaMask Card

Crypto native

6.9
Get the card
THORWallet Card

Crypto native

6.8
Get the card

Verdict

  • MetaMask Card scores higher overall (6.9 vs 6.8 out of 10).
  • MetaMask Card is clearly stronger on: Cashback & rewards, FX & international.
  • THORWallet Card is clearly stronger on: Fees, Limits & ATM.
  • A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.

MetaMask Card is a good fit for

  • People who want to keep control of their keys
  • Stablecoin holders
  • Frequent travellers

Stronger on: Cashback & rewards, FX & international

THORWallet Card is a good fit for

  • People who want to keep control of their keys

Stronger on: Fees, Limits & ATM

★ Our pickEditorial choice · score unchanged · Affiliate link

Neither card is our pick. The card we recommend instead:

ether.fi Cash

Crypto native · ether.fi

8.1

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
Get the card
Review & sourcesMetaMask Card vs ether.fi CashTHORWallet Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionMetaMask CardTHORWallet Card
Fees7298
Cashback & rewards2710
Availability100100
FX & international10040
Product features7070
Custody & security8080
Credit & financing30–
Limits & ATM6091
Transparency93100
Best for Cashback5.44.9
Best for Travel7.96.5
Best for Self-Custody7.26.8
Best for DeFi Users6.16.2
Best for Stablecoins7.2n/a
Best for High Spenders5.44.7
Best for Low Fees8.08.3
Best for Beginners7.68.1

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

Debit cardShow source
No data yet

Network

MastercardShow source
MastercardShow source

Custody model

Self-custodyShow source
Self-custodyShow source

Card issuer / program manager

Cross River Bank (issuer); Baanx/Monavate (program)Conditions apply: tap or hover for detailsShow source

US card

No data yet

Tiers / plans

Virtual · MetalShow source
Basic · Premium · Swiss IBANShow source

Fees

Annual fee

$199/yearConditions apply: tap or hover for detailsShow source

Metal tier only; Virtual card is free

No data yet

Monthly fee

FreeConditions apply: tap or hover for detailsShow source

Virtual card; no maintenance fees

No data yet

Physical card fee

No data yet
$124Conditions apply: tap or hover for detailsShow source

Premium, one-off; $99 with an invite

Virtual card fee

FreeShow source
$5Conditions apply: tap or hover for detailsShow source

Basic; free with an invite code

FX fee

0%Conditions apply: tap or hover for detailsShow source

Mastercard exchange rate, no additional MetaMask fee

1.5%Show source

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%

No data yet

Top-up fee

No data yet
FreeConditions apply: tap or hover for detailsShow source

Basic

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

$1Conditions apply: tap or hover for detailsShow source

Domestic; $5 international

Other fees & markups

Minimal fee charged on each transaction (see fees table) · Conversion at Mastercard's rates at transaction timeShow source
No data yet

Cashback & rewards

Base cashback

1%Conditions apply: tap or hover for detailsShow source

Virtual card, eligible purchases

0.5%Conditions apply: tap or hover for detailsShow source

Premium; Basic 0%

Max cashback

3%Conditions apply: tap or hover for detailsShow source

Metal tier ($199/yr), first $10,000 spent per year, then 1%

0.5%Conditions apply: tap or hover for detailsShow source

Premium tier (paid one-off card)

Cashback paid in

mUSDShow source
USDCShow source

Cashback type

StablecoinShow source
StablecoinConditions apply: tap or hover for detailsShow source

Premium only

Cashback-eligible spend cap

No data yet
$5,000/monthConditions apply: tap or hover for detailsShow source

Spend per month

Cashback conditions

Metal: 3% only on first $10,000 spent each year, then 1%Show source
No data yet

Staking / holding required for top rewards

No data yet
NoShow source

Credit & financing

Credit line

NoShow source
No data yet

Spend own balance directly

YesShow source
No data yet

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, United Kingdom, UYConditions apply: tap or hover for detailsShow source

US signups temporarily closed

GlobalConditions apply: tap or hover for detailsShow source

175+ countries including the US

Account / spend currencies

No data yet
USDConditions apply: tap or hover for detailsShow source

Basic and Premium; Swiss IBAN CHF, EUR, USD, RMB

Own IBAN / bank details

No data yet
YesConditions apply: tap or hover for detailsShow source

Swiss IBAN account

Features

Apple Pay

YesShow source
No data yet

Google Pay

YesShow source
No data yet

Physical card

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

YesConditions apply: tap or hover for detailsShow source

Premium

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

YesShow source

Spend stablecoins

YesShow source
No data yet

Spendable assets

mUSD · wETH · EURe · GBPe · USDC · USDTConditions apply: tap or hover for detailsShow source

FAQ says 'nine tokens' but lists only these six

No data yet

Blockchains

Linea · Solana · Monad · BaseShow source
No data yet

Limits

ATM limit

$1,000Conditions apply: tap or hover for detailsShow source

Per day, Virtual column of the comparison table; Metal $5,000/day

$10,000Conditions apply: tap or hover for detailsShow source

Per day

Spending limit

$15,000Conditions apply: tap or hover for detailsShow source

Per day, Virtual card; Metal $30,000/day

$100,000Conditions apply: tap or hover for detailsShow source

Monthly POS limit, Basic; Premium $1,000,000

Annual cost at 1,500 EUR/month

MetaMask Card

  • Annual & monthly fees−178 EUR
  • FX costs+0 EUR
  • Crypto conversion–
  • ATM costs−24 EUR
  • Cashback+180 EUR
  • Net annual value-22 EUR

THORWallet Card

  • Annual & monthly feesunknown
  • FX costs−54 EUR
  • Crypto conversion–
  • ATM costs−11 EUR
  • Cashback+90 EUR
  • Net annual valuenot enough data

Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers

More MetaMask Card comparisons

More THORWallet Card comparisons