Ranked #21 of 35
MetaMask Card Review
Self-custody Mastercard from MetaMask: funds stay in your wallet until you tap, 1% to 3% back in mUSD.
Quick answer
According to MetaMask Card's website, its FX spread is 1%; base cashback 1% in mUSD (Virtual), highest cashback 3% in mUSD (Metal, first $10,000 spend, then 1%); custody Self-custodial; KYC required. According to the card website; Last verified 28 Oct 2026 by Tristyn Pawson.
Figures are as published by the provider and cross-checked against public documentation. No live transaction test has been completed yet.
Card at a glance
The figures below are the terms published by the provider and cross-checked against their documentation. A tested breakdown lands here once the card goes through our benchmark purchase.
- FX fee
- 1%
- Base cashback
- 1% in mUSD (Virtual)
- Highest cashback
- 3% in mUSD (Metal, first $10,000 spend, then 1%)
- Card cost
- Virtual free; Metal $199/year (replacement $99)
Claimed by provider
- Wallet architecture
- Self-custodial
- Setup time
- Virtual activates instantly
- Spend limit
- Virtual $10,000/tx, $15,000/day; Metal $20,000/tx, $30,000/day
- ATM withdrawals
- Virtual 2%, $1,000/day; Metal free up to $1,200/month then 2%, $5,000/day
The verdict
MetaMask Card is the self-custody pick from the biggest wallet in crypto.
Your funds sit in your wallet until the second you tap. No exchange account needed.
Virtual is free with 1% back in mUSD. Metal is $199 a year for 3%, but only on the first $10k, then it drops to 1%.
Watch the fees: 1% cross-border on Virtual, and 0.875% if you spend wETH instead of a stablecoin. Spend a stable in your own currency and it's fee free.
Not rated yet
Strengths
- Self-custody until the moment you pay
- Free virtual card with 1% back
- No fee on home-currency stablecoins
Weaknesses
- 1% cross-border fee on Virtual
- US and UK sign-ups closed right now
- Metal costs $199/year
Compare with other cards
MetaMask Card vs Ethena Pay
#1 · 1% spread
MetaMask Card vs Coca Card
#2 · 1.18% spread
MetaMask Card vs EtherFi
#3 · 0.51% spread
| # | Card | FX spread | Card cost | Base cashback | Custody | Setup time | Score |
|---|---|---|---|---|---|---|---|
| 1 | MetaMask Card | 1% | Virtual free; Metal $199/year (replacement $99) | 1% in mUSD (Virtual) | Self-custodial | Virtual activates instantly | Not rated yet |
| 2 | Ethena Pay | 1% | 0 | 4% | Non-Custodial (no option to see keys until deleting account | 10 minutes | 8.5/10 |
| 3 | Coca Card | 1.18% | Free | 1% in USDC, paid on the 10th | Non-Custodial | ~8 minutes | 9.2/10 |
| 4 | EtherFi | 0.51% | Free | 3% instant | Non-Custodial | ~8 minutes | 9.2/10 |
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MetaMask Card FAQs
MetaMask Card
1% FX · Not rated yet
Who ranks these cards
I'm Tristyn Pawson, founder of ConsistenC.xyz. Over the last five years I've worked on marketing, development and growth across five crypto cards and neobanks, building at least three of them from scratch.
Alongside that I've run in-depth research on 20+ crypto banks to understand what actually makes someone keep a card in their wallet. These rankings reflect that: which problems are tolerable, and which ones are genuine deal breakers.
- Years in market
- 5
- Cards built on
- 5
- Neobanks researched
- 20+