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MetaMask Card vs Wirex One Card

MetaMask Card

Crypto native

7.2
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Wirex One Card

Crypto native

7.0
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Verdict

  • MetaMask Card scores higher overall (7.2 vs 7.0 out of 10).
  • Wirex One Card is clearly stronger on: Fees, Cashback & rewards, Limits & ATM.
  • For 1,500 EUR/month of spend, MetaMask Card comes out about 66 EUR a year ahead on base-tier terms.

MetaMask Card is a good fit for

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

Wirex One Card is a good fit for

  • Stablecoin holders
  • Frequent travellers

Stronger on: Fees, Cashback & rewards, Limits & ATM

★ 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
Get the card
Review & sourcesMetaMask Card vs ether.fi CashWirex One Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionMetaMask CardWirex One Card
Fees90100
Cashback & rewards2744
Availability100–
FX & international100100
Product features7070
Custody & security80–
Credit & financing3030
Limits & ATM60100
Transparency93100
Best for Cashback5.76.3
Best for Travel8.28.6
Best for Self-Custody7.5n/a
Best for DeFi Users6.46.0
Best for Stablecoins7.67.8
Best for High Spenders5.66.9
Best for Low Fees8.810.0
Best for Beginners8.07.4

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
Debit cardShow source

Network

MastercardShow source
Visa / MastercardConditions apply: tap or hover for detailsShow source

Physical card Visa or Mastercard; metal card Visa Signature

Custody model

Self-custodyShow source
No data yet

Card issuer / program manager

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

Program manager; US card issued by Cross River Bank

No data yet

Tiers / plans

Free · MetalShow source
Base · Premium · Elite · Private · BespokeShow source

Fees

Annual fee

FreeConditions apply: tap or hover for detailsShow source

Virtual card; Metal tier $199/year

FreeShow source

Monthly fee

FreeConditions apply: tap or hover for detailsShow source

Virtual card; no maintenance fees

FreeShow source

Virtual card fee

FreeShow source
No data yet

FX fee

0%Conditions apply: tap or hover for detailsShow source

Mastercard exchange rate, no additional MetaMask fee

0%Show source

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%

No data yet

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

FreeConditions apply: tap or hover for detailsShow source

Wirex fee; operator fees not addressed

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
No data yet

Cashback & rewards

Base cashback

1%Conditions apply: tap or hover for detailsShow source

Virtual card, eligible purchases

0.5%Conditions apply: tap or hover for detailsShow source

Base tier

Max cashback

3%Conditions apply: tap or hover for detailsShow source

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

8%Conditions apply: tap or hover for detailsShow source

Top tier; tier set by portfolio size and share held in WPAY

Cashback paid in

mUSDShow source
USDShow source

Cashback type

StablecoinShow source
FiatShow source

Interest on balance

No data yet
9.75%Conditions apply: tap or hover for detailsShow source

Up to; stablecoin savings, flexible or fixed terms

Cashback conditions

Metal: 3% only on first $10,000 spent each year, then 1%Show source
Tier recalculated daily from portfolio size and percentage held in WPAY; both thresholds must be met · No monthly cashback cap · 50% rebate on eligible subscriptions, capped at each service's standard plan priceShow source

Staking / holding required for top rewards

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

Holding (not locking) WPAY and a minimum portfolio for higher tiers

Staking asset

No data yet
WPAYShow source

Credit & financing

Credit line

NoShow source
NoShow source

Spend own balance directly

YesShow source
No data yet

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

No data yet

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

No data yet

Blockchains

Linea · Solana · Monad · BaseShow source
No data yet

Limits

ATM limit

$1,000Conditions apply: tap or hover for detailsShow source

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

No data yet

Spending limit

$15,000Conditions apply: tap or hover for detailsShow source

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

No data yet

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

Wirex One Card

  • Annual & monthly fees+0 EUR
  • FX costs+0 EUR
  • Crypto conversion–
  • ATM costs+0 EUR
  • Cashback+90 EUR
  • Net annual value90 EUR

Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers

More MetaMask Card comparisons

More Wirex One Card comparisons