MetaMask Card vs Solayer Pay
Crypto native
Crypto native
Verdict
- MetaMask Card scores higher overall (7.2 vs 6.2 out of 10).
- MetaMask Card is clearly stronger on: Availability, FX & international.
- 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: Availability, FX & international
Solayer Pay is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
★ 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 | MetaMask Card | Solayer Pay |
|---|---|---|
| Fees | 90 | 83 |
| Cashback & rewards | 27 | – |
| Availability | 100 | 50 |
| FX & international | 100 | 40 |
| Product features | 70 | 70 |
| Custody & security | 80 | 80 |
| Credit & financing | 30 | 30 |
| Limits & ATM | 60 | – |
| Transparency | 93 | 100 |
| Best for Cashback | 5.7 | n/a |
| Best for Travel | 8.2 | 5.6 |
| Best for Self-Custody | 7.5 | 7.2 |
| Best for DeFi Users | 6.4 | 6.5 |
| Best for Stablecoins | 7.6 | 6.8 |
| Best for High Spenders | 5.6 | 5.5 |
| Best for Low Fees | 8.8 | 7.0 |
| Best for Beginners | 8.0 | 7.5 |
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
Stablecoin cardShow source
Network
MastercardShow source
VisaShow source
Custody model
Self-custodyShow source
Self-custodyShow source
Card issuer / program manager
Baanx (now Monavate)Conditions apply: tap or hover for detailsShow source
Program manager; US card issued by Cross River Bank
Tiers / plans
Free · MetalShow source
Fees
Annual fee
FreeConditions apply: tap or hover for detailsShow source
Virtual card; Metal tier $199/year
$20/yearConditions apply: tap or hover for detailsShow source
Membership; covers the virtual card for 12 months
Monthly fee
FreeConditions apply: tap or hover for detailsShow source
Virtual card; no maintenance fees
Physical card fee
FreeConditions apply: tap or hover for detailsShow source
Card free; shipping $24.99 (US Express) or $59.99 (International Express)
Virtual card fee
FreeShow source
FX fee
0%Conditions apply: tap or hover for detailsShow source
Mastercard exchange rate, no additional MetaMask fee
1.5%Conditions apply: tap or hover for detailsShow source
Plus $0.10 per international transaction
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%Show source
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
Settlement fee
$0.15Conditions apply: tap or hover for detailsShow source
Per USD transaction
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
Card deactivated after 6 months of inactivity; a new card must be issuedShow 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
StablecoinShow source
PointsShow source
Interest on balance
5%Conditions apply: tap or hover for detailsShow source
4–5% on sUSD, a Treasury-backed stablecoin users can opt into
Cashback conditions
Metal: 3% only on first $10,000 spent each year, then 1%Show source
Every transaction earns Solayer Card Points (Season 2), which unlock future $LAYER token rewards, partner airdrops and exclusive perks, and access to beta tests, merch and VIP events · Referrers earn 10% of their referrals' points, indefinitelyConditions apply: tap or hover for detailsShow source
Season 2 of the Points Program; partner campaigns (Sonic, OpenEden, Solana ID and more) offer extra perks and rewards
Credit & financing
Credit line
NoShow source
NoShow source
Spend own balance directly
YesShow source
YesConditions apply: tap or hover for detailsShow source
Spends USDC balance directly, no pre-conversion
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, UYConditions apply: tap or hover for detailsShow source
Full country list in the FAQ; signups in the US and the UK are temporarily closed
GlobalConditions apply: tap or hover for detailsShow source
Except the excluded countries and 17 US states
Not available in
AF, AL, AD, Australia, Austria, BY, Belgium, BA, Bulgaria, BF, BI, KH, Canada, CF, CN, Croatia, CU, Cyprus, Czechia, CD, Denmark, ER, Estonia, Finland, France, GE, Germany, Greece, GN, GW, HT, Hungary, Iceland, India, Indonesia, IR, IQ, Ireland, Israel, Italy, JM, JO, XK, LA, Latvia, LB, LR, LY, Lithuania, Luxembourg, Malaysia, ML, Malta, MD, MC, ME, MA, MZ, MM, Netherlands, New Zealand, NI, Nigeria, KP, Norway, PS, Poland, Portugal, QA, Romania, RU, SM, RS, Slovakia, SO, South Africa, South Korea, Spain, SD, Sweden, Switzerland, SY, Thailand, Turkey, UG, Ukraine, United Arab Emirates, United Kingdom, VU, VE, EH, YE, PW, NP, VietnamConditions apply: tap or hover for detailsShow source
Residents or citizens, regardless of current residence
Features
Apple Pay
YesShow source
YesShow source
Google Pay
YesShow source
YesShow source
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
YesShow source
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
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
USDCShow source
Blockchains
Linea · Solana · Monad · BaseShow source
Solayer ChainShow 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
$250Conditions apply: tap or hover for detailsShow source
Per withdrawal, incl. ATM surcharges; at most three attempts per 24 hours
Spending limit
$15,000Conditions apply: tap or hover for detailsShow source
Per day, Virtual card; Metal $30,000/day
Annual cost at 1,500 EUR/month
MetaMask Card
- Annual & monthly fees+0 EUR
- FX costs+0 EUR
- Crypto conversion–
- ATM costs−24 EUR
- Cashback+180 EUR
- Net annual value156 EUR
Solayer Pay
- Annual & monthly fees−18 EUR
- FX costs−54 EUR
- Crypto conversion–
- Per-transaction feesunknown
- ATM costsunknown
- Cashbackunknown
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers