MetaMask Card
Self-custodial Mastercard debit card that spends directly from a MetaMask wallet. Free virtual card, or the Metal tier with an annual membership.
Base cashback
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)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
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)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
Base 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)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
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)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 65%
ATM fee
2%*Show source
ATM fee: 2%
Free tier; Metal: no fee up to $1,200/mo, then 2%; ATM operator may charge additional fees
Source states (paraphrased): | ATM withdrawal 2 | 2% | No fee up to $1,200 / mo, then 2% |
Source: MetaMask Card limits and fees
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Card fee
FreeShow source
Virtual card fee: Free
Source states (paraphrased): Get a free digital only Virtual card
Source: Spend crypto for everyday purchases with MetaMask Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
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)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
Staking needed
Tap a value for its source. * = conditions apply.
At a glance
Pros
- No annual or monthly fee on the base tier
- No FX markup from the issuer
- 1% base cashback in mUSD
- Self-custody: funds stay in your own wallet
- Apple Pay and Google Pay
- Spends stablecoins directly
Cons
- Top rate of 3% only with conditions — Metal tier ($199/yr), first $10,000 spent per year, then 1%
- ATM fee 2%
Good for
- People who want to keep control of their keys
- Stablecoin holders
- Frequent travellers
Not for
Not enough data to say.
Risks to understand
- Stablecoins can de-peg and are not covered by deposit protection.
- Self-custody: losing your keys or signing a malicious transaction can mean losing funds.
- Smart-contract and bridge risk applies to on-chain balances.
All details
Fees7/15
- 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)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
Virtual card; Metal tier $199/year
- Monthly fee
Free*Show source
Monthly fee: Free
Virtual card; no maintenance fees
Source states (paraphrased): The Virtual card has no annual fees or maintenance fees
Source: MetaMask Card FAQs
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 80%
Virtual card; no maintenance fees
- Virtual card fee
FreeShow source
Virtual card fee: Free
Source states (paraphrased): Get a free digital only Virtual card
Source: Spend crypto for everyday purchases with MetaMask Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
- 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)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 65%
Mastercard exchange rate, no additional MetaMask fee
- Crypto conversion fee
0.88%*Show source
Crypto conversion fee: 0.88%
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%
Source states (paraphrased): | Other cryptocurrencies (e.g., wETH) | 0.875% |
Source: MetaMask Card limits and fees
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 80%
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%*Show source
ATM fee: 2%
Free tier; Metal: no fee up to $1,200/mo, then 2%; ATM operator may charge additional fees
Source states (paraphrased): | ATM withdrawal 2 | 2% | No fee up to $1,200 / mo, then 2% |
Source: MetaMask Card limits and fees
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
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
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%
Source states (paraphrased): | Cross-border 3 | 1% | No fee 4 |
Source: MetaMask Card limits and fees
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 80%
Not yet researched: Physical card fee, Replacement fee, Top-up fee, Crypto withdrawal fee, Free ATM allowance, Transfer fee, Settlement fee, Small transaction fee.
Cashback & rewards5/14
- Base cashback
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)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
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)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
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)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
- Cashback type
StablecoinShow source
Cashback type: Stablecoin
Source: Spend crypto for everyday purchases with MetaMask Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%
- Cashback conditions
Metal: 3% only on first $10,000 spent each year, then 1%Show source
Cashback conditions: Metal: 3% only on first $10,000 spent each year, then 1%
Source states (paraphrased): 3% mUSD back on the first $10,000 spent each year (and 1% thereafter)
Source: MetaMask Metal card
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%
Not yet researched: Interest on balance, Cashback-eligible spend cap, Max cashback per month, Staking / holding required for top rewards, Staking asset, Capital required for top rewards, Minimum balance, Reward expiry / vesting, Reward exclusions.
Credit & financing2/11
- 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)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
- Spend own balance directly
YesShow source
Spend own balance directly: Yes
Source: MetaMask Card FAQs
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Not yet researched: Credit type, Collateral assets, Max loan-to-value, Interest (APR), Interest notes, Grace period, Repayment, Liquidation risk, Spend by borrowing against collateral.
Supported countries & currencies1/4
- 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, UY*Show source
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, UY
Full country list in the FAQ; signups in the US and the UK are temporarily closed
Source states (paraphrased): MetaMask Card is currently available in: Andorra, Argentina, Austria
Source: Spend crypto for everyday purchases with MetaMask Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%
Full country list in the FAQ; signups in the US and the UK are temporarily closed
Not yet researched: Not available in, Account / spend currencies, Own IBAN / bank details.
Features, wallets & supported assets8/11
- Apple Pay
YesShow source
Apple Pay: Yes
Source states (paraphrased): via Apple Pay or Google Pay
Source: Spend crypto for everyday purchases with MetaMask Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
- Google Pay
YesShow source
Google Pay: Yes
Source states (paraphrased): via Apple Pay or Google Pay
Source: Spend crypto for everyday purchases with MetaMask Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
- Physical card
Yes*Show source
Physical card: Yes
Metal tier only ($199/year); new Metal orders temporarily paused as of June 2nd, 2026; Free tier has no physical card
Source states (paraphrased): The MetaMask Metal card is a physical debit card
Source: MetaMask Metal card
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 50%
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
Virtual card: Yes
Source states (paraphrased): New users receive a Virtual card.
Source: MetaMask Card FAQs
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
- ATM withdrawals
Yes*Show source
ATM withdrawals: Yes
US only; users in other regions cannot withdraw cash at ATMs
Source states (paraphrased): Card users in the United States can withdraw cash from an ATM with their card.
Source: MetaMask Card FAQs
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 80%
US only; users in other regions cannot withdraw cash at ATMs
- Spend stablecoins
YesShow source
Spend stablecoins: Yes
Source: Spend crypto for everyday purchases with MetaMask Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
- Spendable assets
mUSD · wETH · EURe · GBPe · USDC · USDT*Show source
Spendable assets: mUSD · wETH · EURe · GBPe · USDC · USDT
FAQ says 'nine tokens' but lists only these six
Source states (paraphrased): Tap to pay with mUSD, wETH, EURe, GBPe, USDC, and USDT
Source: Spend crypto for everyday purchases with MetaMask Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
FAQ says 'nine tokens' but lists only these six
- Blockchains
Linea · Solana · Monad · BaseShow source
Blockchains: Linea · Solana · Monad · Base
Source states (paraphrased): MetaMask Card supports Linea, Solana, Monad and Base.
Source: Spend crypto for everyday purchases with MetaMask Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Not yet researched: Airport lounge access, Travel / rental car insurance, Purchase protection.
Security & custody0/3
No security & custody data published or researched yet.
Limits2/2
- ATM limit
$1,000*Show source
ATM limit: $1,000
Per day, Virtual column of the comparison table; Metal $5,000/day
Source states (paraphrased): $1,000 / day
Source: Spend crypto for everyday purchases with MetaMask Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 60%
Per day, Virtual column of the comparison table; Metal $5,000/day
- Spending limit
$15,000*Show source
Spending limit: $15,000
Per day, Virtual card; Metal $30,000/day
Source states (paraphrased): $15,000 / day
Source: Spend crypto for everyday purchases with MetaMask Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 80%
Per day, Virtual card; Metal $30,000/day
Product6/7
- Product status
ActiveShow source
Product status: Active
Source: Spend crypto for everyday purchases with MetaMask Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%
- 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)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
- 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)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
- 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)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
- Card issuer / program manager
Baanx (now Monavate)*Show source
Card issuer / program manager: Baanx (now Monavate)
Program manager; US card issued by Cross River Bank
Source states (paraphrased): Powered by Baanx ( now Monavate ) and Mastercard's global payments network
Source: MetaMask and Mastercard launch the US MetaMask Card
Official announcement (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Program manager; US card issued by Cross River Bank
- Tiers / plans
Free · MetalShow source
Tiers / plans: Free · Metal
Source states (paraphrased): | Fee type | Free tier | Metal tier |
Source: MetaMask Card limits and fees
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 75%
Not yet researched: Launch date.
Our rating
| Criterion | Weight | Score |
|---|---|---|
Fees Base-tier subscription ≈ €0/year · Per-transaction costs ≈ 0.88% | 20% | 90 |
Cashback & rewards | 20% | 27 |
Availability 45 of 60 tracked countries | 15% | 100 |
FX & international FX fee 0% | 10% | 100 |
Product features 6 of 6 known features available · 0 of 3 perks (lounge, travel insurance, purchase protection) | 10% | 70 |
Custody & security Custody model: self custody | 10% | 80 |
Credit & financing No credit line | 5% | 30 |
Limits & ATM ATM cost on €200 ≈ 2.0% | 5% | 60 |
Transparency 8 of 8 checked key terms disclosed · 2 contradiction(s) between official sources | 5% | 86 |
Data coverage 100%. Criteria without published data are excluded and their weight is filled with a neutral midpoint, so missing data neither helps nor hurts a card.
Computed by a fixed formula; affiliate relationships have no influence. How we score
FAQ
Does MetaMask Card have an annual or monthly fee?
Base tier: Free (Virtual card; Metal tier $199/year). Source: MetaMask Card FAQs.
What is the FX fee of MetaMask Card?
0% (Mastercard exchange rate, no additional MetaMask fee). Source: MetaMask Card FAQs.
How much cashback does MetaMask Card pay?
Base rate: 1% (Virtual card, eligible purchases). Highest advertised rate: 3% (Metal tier ($199/yr), first $10,000 spent per year, then 1%). Paid in mUSD.
Is MetaMask Card a credit card?
No. It is a debit card; you spend your own balance.
Where is MetaMask Card available?
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, UY (Full country list in the FAQ; signups in the US and the UK are temporarily closed).
Is MetaMask Card self-custodial?
Self-custody.
Does MetaMask Card work with Apple Pay and Google Pay?
Apple Pay: Yes. Google Pay: Yes.
Change history38 entries
- Other fees & markups ["Small fee for each transaction (amount not stated)"] → ["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%"] · 24 October 2026 · approved
- ATM fee not disclosed → {"percent":2} · 24 October 2026 · approved
- Crypto conversion fee not disclosed → 0.875 · 24 October 2026 · approved
- Tiers / plans ["Virtual (Free tier)","Metal ($199/year)"] → ["Free","Metal"] · 24 October 2026 · approved
- Card issuer / program manager "Crypto Life (provider), Monovate (issuer)" → "Baanx (now Monavate)" · 24 October 2026 · approved
- ATM withdrawals not disclosed → true · 23 October 2026 · approved
- Monthly fee not disclosed → {"amount":0,"currency":"USD"} · 23 October 2026 · approved
- Card issuer / program manager not disclosed → "Crypto Life (provider), Monovate (issuer)" · 23 October 2026 · approved
- Available in ["AR","BR","CA","CO","EEA","MX","CH","US","GB"] → ["AD","AR","AT","BE","BR","BG","CA","CL","CO","CR","HR","CY","DK","DO","SV","FI","FR","DE","GI","GR","GT","GG","HU","IS","IE","IM","IT","JE","LI","LU","MT","MX","MC","NL","NO","PA","PL","PT","RO","SK","SI","ES","SE","CH","UY"] · 23 October 2026 · approved
- Blockchains ["Linea","Base","Solana"] → ["Linea","Solana","Monad","Base"] · 23 October 2026 · approved
- Spendable assets not disclosed → ["mUSD","wETH","EURe","GBPe","USDC","USDT"] · 23 October 2026 · approved
- Physical card not disclosed → true · 23 October 2026 · approved
- Virtual card not disclosed → true · 23 October 2026 · approved
- Google Pay not disclosed → true · 23 October 2026 · approved
- Apple Pay not disclosed → true · 23 October 2026 · approved
- ATM limit not disclosed → {"amount":1000,"currency":"USD"} · 23 October 2026 · approved
- Spending limit not disclosed → {"amount":15000,"currency":"USD"} · 23 October 2026 · approved
- Cashback conditions not disclosed → ["Metal: 3% only on first $10,000 spent each year, then 1%"] · 23 October 2026 · approved
- Other fees & markups ["Small per-transaction fee on the Virtual card (amount not stated)","Gas cost when claiming cashback"] → ["Small fee for each transaction (amount not stated)"] · 23 October 2026 · approved
- Virtual card fee not disclosed → {"amount":0,"currency":"USD"} · 23 October 2026 · approved
- Tiers / plans ["Virtual (free)","Metal ($199/year)"] → ["Virtual (Free tier)","Metal ($199/year)"] · 23 October 2026 · approved
- Blockchains recorded · 22 October 2026 · auto-approved
- Spend stablecoins recorded · 22 October 2026 · auto-approved
- Spend own balance directly recorded · 22 October 2026 · auto-approved
- Credit line recorded · 22 October 2026 · auto-approved