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imToken Card vs MetaMask Card

imToken Card

Crypto native

5.6
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MetaMask Card

Crypto native

7.2
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Verdict

  • MetaMask Card scores higher overall (7.2 vs 5.6 out of 10).
  • MetaMask Card is clearly stronger on: Cashback & rewards, Custody & security.
  • A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.

imToken Card is a good fit for

  • Stablecoin holders
  • Frequent travellers

MetaMask Card is a good fit for

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

Stronger on: Cashback & rewards, Custody & security

★ 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
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Review & sourcesimToken Card vs ether.fi CashMetaMask Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionimToken CardMetaMask Card
Fees8890
Cashback & rewards027
Availability–100
FX & international100100
Product features–70
Custody & security7080
Credit & financing3030
Limits & ATM–60
Transparency10093
Best for Cashback3.75.7
Best for Travel7.18.2
Best for Self-Custodyn/a7.5
Best for DeFi Users5.46.4
Best for Stablecoins6.87.6
Best for High Spenders4.45.6
Best for Low Fees8.78.8
Best for Beginners6.58.0

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

Spends the Fiat24 multi-currency cash account

Debit cardShow source

Network

MastercardShow source
MastercardShow source

Custody model

HybridConditions apply: tap or hover for detailsShow source

Tokens in the self-custodial imToken wallet; top-ups become a fiat cash account at Fiat24

Self-custodyShow source

Card issuer / program manager

Fiat24 (Switzerland)Show source
Baanx (now Monavate)Conditions apply: tap or hover for detailsShow source

Program manager; US card issued by Cross River Bank

Tiers / plans

No data yet
Free · MetalShow source

Fees

Annual fee

FreeShow source
FreeConditions apply: tap or hover for detailsShow source

Virtual card; Metal tier $199/year

Monthly fee

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

Virtual card; no maintenance fees

Virtual card fee

FreeConditions apply: tap or hover for detailsShow source

Account NFT minting fee 0.001 ETH applies

FreeShow source

FX fee

0%Show source
0%Conditions apply: tap or hover for detailsShow source

Mastercard exchange rate, no additional MetaMask fee

Crypto conversion fee

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

Token top-ups; fiat deposits free

No data yet

ATM fee

No data yet
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

Other fees & markups

Account NFT minting fee 0.001 ETH · Additional charges may apply for settlements and exchange rate discrepanciesShow 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

No data yet
1%Conditions apply: tap or hover for detailsShow source

Virtual card, eligible purchases

Max cashback

No data yet
3%Conditions apply: tap or hover for detailsShow source

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

Cashback paid in

No data yet
mUSDShow source

Cashback type

NoneConditions apply: tap or hover for detailsShow source

A rebate plan is announced

StablecoinShow source

Cashback conditions

No data yet
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

No data yet
YesShow source

Availability

Available in

No data yet
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

USD · EUR · CHF · CNHShow source
No data yet

Own IBAN / bank details

YesConditions apply: tap or hover for detailsShow source

Swiss IBAN

No data yet

Features

Apple Pay

No data yet
YesShow source

Google Pay

No data yet
YesShow source

Physical card

No data yet
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

No data yet
YesShow source

ATM withdrawals

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

US only; users in other regions cannot withdraw cash at ATMs

Spend stablecoins

YesConditions apply: tap or hover for detailsShow source

Top up with USDC or USDT

YesShow source

Spendable assets

ETH · USDC · USDTConditions apply: tap or hover for detailsShow source

Major ERC-20 tokens for top-ups

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

FAQ says 'nine tokens' but lists only these six

Blockchains

Ethereum · ArbitrumShow source
Linea · Solana · Monad · BaseShow source

Limits

ATM limit

No data yet
$1,000Conditions apply: tap or hover for detailsShow source

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

Spending limit

No data yet
$15,000Conditions apply: tap or hover for detailsShow source

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

Annual cost at 1,500 EUR/month

imToken Card

  • Annual & monthly fees+0 EUR
  • FX costs+0 EUR
  • Crypto conversion–
  • ATM costsunknown
  • Cashback+0 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

More imToken Card comparisons

More MetaMask Card comparisons