Bitsa Card vs MetaMask Card
Crypto enabled
Crypto native
Verdict
- MetaMask Card scores higher overall (7.2 vs 5.9 out of 10).
- Bitsa Card is clearly stronger on: Limits & ATM.
- MetaMask Card is clearly stronger on: Cashback & rewards, FX & international.
- For 1,500 EUR/month of spend, MetaMask Card comes out about 238 EUR a year ahead on base-tier terms.
Bitsa Card is a good fit for
- No specific audience can be derived from the published data yet.
Stronger on: Limits & ATM
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
★ 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 | Bitsa Card | MetaMask Card |
|---|---|---|
| Fees | 82 | 90 |
| Cashback & rewards | 0 | 27 |
| Availability | 100 | 100 |
| FX & international | 30 | 100 |
| Product features | 70 | 70 |
| Custody & security | 75 | 80 |
| Credit & financing | 30 | 30 |
| Limits & ATM | 75 | 60 |
| Transparency | 100 | 93 |
| Best for Cashback | 4.0 | 5.7 |
| Best for Travel | 5.6 | 8.2 |
| Best for Self-Custody | n/a | 7.5 |
| Best for DeFi Users | n/a | 6.4 |
| Best for Stablecoins | n/a | 7.6 |
| Best for High Spenders | 3.6 | 5.6 |
| Best for Low Fees | 7.0 | 8.8 |
| Best for Beginners | 7.6 | 8.0 |
| Best E-Money Card | 6.9 | 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
Prepaid card, E-money cardShow source
Debit cardShow source
Network
VisaShow source
MastercardShow source
Custody model
CustodialConditions apply: tap or hover for detailsShow source
Crypto is converted to euros on top-up; the card spends an e-money balance
Self-custodyShow source
Card issuer / program manager
Pecunia Cards EDE S.L.U. (Pecunpay), Spanish e-money institution; crypto service by BitnovoShow source
Baanx (now Monavate)Conditions apply: tap or hover for detailsShow source
Program manager; US card issued by Cross River Bank
Tiers / plans
Free · Move · ProShow source
Free · MetalShow source
Fees
Annual fee
FreeConditions apply: tap or hover for detailsShow source
Free plan; Move €8.99/year, Pro €69.99/year
FreeConditions apply: tap or hover for detailsShow source
Virtual card; Metal tier $199/year
Monthly fee
FreeConditions apply: tap or hover for detailsShow source
Free plan; Move €0.99/month (€8.99/year), Pro €9.99/month (€69.99/year)
FreeConditions apply: tap or hover for detailsShow source
Virtual card; no maintenance fees
Physical card fee
€20Show source
Virtual card fee
€2.50Show source
FreeShow source
FX fee
1.75%Conditions apply: tap or hover for detailsShow source
Non-euro SEPA-zone currencies; 2% in the rest of the world
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%
Top-up fee
1.5%Conditions apply: tap or hover for detailsShow source
External-card top-ups beyond the free ones (Free: 2 in total, Move: 3/month, Pro: 4/month); vouchers 0–6%
ATM fee
€0.55 + 1% (min. €0.75)Conditions apply: tap or hover for detailsShow source
Outside the euro area; euro area €2.50 per withdrawal, Spain: the ATM operator's fee is passed on
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
Transfer fee
€1Conditions apply: tap or hover for detailsShow source
SEPA transfer on Free and Move; free on Pro
Other fees & markups
Voucher top-up fee 0–6% · Transfers to another holder or institution €1.50 · Crypto top-ups limited to €20,000 per dayShow source
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
NoneConditions apply: tap or hover for detailsShow source
Card payments earn no cashback; gift cards in the app up to 15%
StablecoinShow source
Cashback conditions
Metal: 3% only on first $10,000 spent each year, then 1%Show source
Credit & financing
Credit line
NoShow source
NoShow source
Spend own balance directly
YesShow source
Availability
Available in
EEAConditions apply: tap or hover for detailsShow source
Residents of the EEA
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
Account / spend currencies
EURShow source
Own IBAN / bank details
YesShow source
Features
Apple Pay
YesShow source
YesShow source
Google Pay
YesShow source
YesShow source
Physical card
YesShow 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
YesShow source
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
€450Conditions apply: tap or hover for detailsShow source
Per day, withdrawals outside Spain
$1,000Conditions apply: tap or hover for detailsShow source
Per day, Virtual column of the comparison table; Metal $5,000/day
Spending limit
€1,500Conditions apply: tap or hover for detailsShow source
Purchase limit on Free; Move €5,000, Pro €15,000
$15,000Conditions apply: tap or hover for detailsShow source
Per day, Virtual card; Metal $30,000/day
Security & custody
Regulation / licences
Pecunpay: e-money institution supervised by the Bank of SpainShow source
Annual cost at 1,500 EUR/month
Bitsa Card
- Annual & monthly fees+0 EUR
- FX costs−63 EUR
- Crypto conversion–
- ATM costs−19 EUR
- Cashback+0 EUR
- Net annual value-82 EUR
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