Bitstack Card vs MetaMask Card
Crypto enabled
Crypto native
Verdict
- MetaMask Card scores higher overall (7.2 vs 5.5 out of 10).
- Bitstack Card is clearly stronger on: Limits & ATM.
- MetaMask Card is clearly stronger on: Availability.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Bitstack 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: Availability
★ 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 | Bitstack Card | MetaMask Card |
|---|---|---|
| Fees | 97 | 90 |
| Cashback & rewards | 22 | 27 |
| Availability | 3 | 100 |
| FX & international | – | 100 |
| Product features | 70 | 70 |
| Custody & security | 75 | 80 |
| Credit & financing | 30 | 30 |
| Limits & ATM | 84 | 60 |
| Transparency | 100 | 93 |
| Best for Cashback | 4.5 | 5.7 |
| Best for Travel | 5.9 | 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 | 5.1 | 5.6 |
| Best for Low Fees | 8.4 | 8.8 |
| Best for Beginners | 6.7 | 8.0 |
| Best E-Money 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
Debit cardConditions apply: tap or hover for detailsShow source
Card linked to the euro cash account
Debit cardShow source
Network
VisaShow source
MastercardShow source
Custody model
CustodialConditions apply: tap or hover for detailsShow source
Card spends euros; Bitcoin held by Bitstack, free withdrawal to an external wallet
Self-custodyShow source
Card issuer / program manager
Bitstack Digital Assets SAS, agent of the e-money institution Xpollens (ACPR)Show source
Baanx (now Monavate)Conditions apply: tap or hover for detailsShow source
Program manager; US card issued by Cross River Bank
Tiers / plans
Standard · PlusShow source
Free · MetalShow source
Fees
Annual fee
FreeConditions apply: tap or hover for detailsShow source
Virtual card; Metal tier $199/year
Monthly fee
FreeConditions apply: tap or hover for detailsShow source
Standard; Plus €2.99/month or €29.99/year
FreeConditions apply: tap or hover for detailsShow source
Virtual card; no maintenance fees
Physical card fee
€9.99Conditions apply: tap or hover for detailsShow source
Standard, plus delivery; Plus: free delivery, annual Plus: free
Virtual card fee
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
1%Conditions apply: tap or hover for detailsShow source
Free up to €200/month or 5 withdrawals, then €1 or 1% per withdrawal
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
Free ATM allowance
€200/monthConditions apply: tap or hover for detailsShow source
Or 5 withdrawals per month
Other fees & markups
Bitcoin purchase fee 1–1.5% (Standard) or 0.75% (Plus)Show 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
Up to; Standard plan, eligibility conditions and caps apply
1%Conditions apply: tap or hover for detailsShow source
Virtual card, eligible purchases
Max cashback
1.5%Conditions apply: tap or hover for detailsShow source
Up to; Plus plan (€2.99/month)
3%Conditions apply: tap or hover for detailsShow source
Metal tier ($199/yr), first $10,000 spent per year, then 1%
Cashback paid in
BTCShow source
mUSDShow source
Cashback type
CryptoShow source
StablecoinShow source
Cashback conditions
Eligibility conditions and caps apply · Card payments are also rounded up to the next euro and the difference is bought in Bitcoin without feesShow source
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
FranceShow source
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
YesConditions apply: tap or hover for detailsShow source
French IBAN
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
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
$1,000Conditions apply: tap or hover for detailsShow source
Per day, Virtual column of the comparison table; Metal $5,000/day
Spending limit
€1,000Conditions apply: tap or hover for detailsShow source
Per month for international payments on Standard; €3,000 on Plus
$15,000Conditions apply: tap or hover for detailsShow source
Per day, Virtual card; Metal $30,000/day
Security & custody
Regulation / licences
CASP licence from the AMF, no. A2025-003 · Agent (no. 747088) of Xpollens, e-money institution licensed by the ACPRShow source
Annual cost at 1,500 EUR/month
Bitstack Card
- Annual & monthly fees+0 EUR
- FX costsunknown
- Crypto conversion–
- ATM costs+0 EUR
- Cashback+180 EUR
- 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