Why it stands out
- Spend supported wallet assets directly, without an exchange balance.
- The wallet-linked control model stays visible before transactions.
- The free Virtual tier earns mUSD cashback on listed terms.
MetaMask orange front cardStandard card design
Self-custody Mastercard card
MetaMask Card
A self-custody Mastercard for spending supported assets from MetaMask. Strong if you already use the wallet; watch token/network support, regional availability and the paused Metal tier.
Self-custodyLow FXTravel focusClear feesFree base planUSD rewards
Complete supported-country allowlist: 47 supported country records and 203 unavailable country records.
Main trade-offs
- Only enabled assets and networks can be used for card spend.
- FX, token and ATM fees can reduce the base cashback value.
- New US/UK signups and new Metal card orders are temporarily paused.
01 · Core economics
Costs that matter
MetaMask is inexpensive to open, but it is not a fee-free travel card. These numbers drive most of the real-world cost.
ItemStandard tierWhat it means
Annual plan$0Competitive entry price
Spend delegation0%No separate provider fee for enabling wallet assets for card spend
Foreign exchange0–1%Can erase 1% base cashback
ATM withdrawalFree tier 2%; Metal free up to $1,200/mo, then 2%$1,200/mo free is useful for occasional cash; 2% after it is relatively high.
Limits and secondary feesLimits and other fees
Metal replacement$99 listed; availability unconfirmedListed
Daily card spendUnknownListed
Monthly card spendUnknownListed
ATM limitLimits shown in appListed
Account depositUnknownListed
02 · Plans & rewards
Choose the plan and the rewards together
MetaMask Card keeps the reward range visible above while the membership cards below preserve each tier's fee, card design, rewards, limits and other tier-specific differences.
Lowest approved purchase reward rate
Conditional — not the automatic rate
mUSD cashback
Metal earns 3% on the first $10,000 of yearly spend, then 1%
Memberships
Upgrade
$0/yrVirtual
Free tier
- Cashback
- 1% in mUSD
- Requirement
- Eligible-region signup and KYC
- Daily card spend
- $15,000/day
- ATM
- $1,000/day limit
- Availability
- Available where card signup is open
- FX
- 1%
- ATM free allowance
- —
- Best fit
- Check the plan price, rewards and limits before upgrading.
Paused
$199/yrMetal
Premium tier
- Cashback
- 3% in mUSD
- Requirement
- US users except Vermont
- Daily card spend
- $30,000/day
- ATM
- —
- Availability
- New activations paused; existing members unaffected
- FX
- 0%
- ATM free allowance
- Free up to $1,200/mo; then 2%
- Best fit
- Paid middle tier: compare the annual price against the cashback uplift and card design benefits.
03 · Everyday use
The essentials are covered
Card access, mobile wallets and account rails are separated so missing channels are easy to spot.
Card access
- Mastercard networkAvailable
- Physical cardMetal tier; new activations paused
- ATM withdrawalsMetal; Virtual only in the US
Wallets & apps
- Apple PayAvailable
- Google PayAvailable
- iOS appAvailable
- Android appAvailable
- Web appAvailable
Account rails
- Card fundingEligible wallet assets
- Wallet controlPer-token card access can be revoked
- Separate card balanceNot used
- Bank payoutsNot confirmed
04 · Money in and out
How wallet assets become card spend
Here, Money in means eligible wallet assets available for card spending. Assets stay in self-custody; there is no separate custodial card balance.
Money inEligible wallet assets · 1 routeEligible wallet assetsmUSDUSDCUSDTwETH
Eligible wallet assets
1 route
Eligible wallet assets
Supported assets already held in the connected self-custody wallet become available to the card through a revocable spending cap; they are not transferred to a separate card balance.
mUSDUSDCUSDTwETHEUReGBPeaUSDCamUSDaBasUSDC+4
- Fee
- No deposit fee
- Speed
- After approval
- Limits
- User-set cap
- Availability
- Region-dependent
Route details
Fee components
- No separate card-deposit fee
More assets, currencies or networks
Linea, Solana, Base, Monad
Access path
Via connected wallet
Asset / network map
mUSD: Linea · USDC: Linea, Solana, Base, Monad · USDT: Linea, Solana, Base · wETH: Linea · EURe: Linea · GBPe: Linea · aUSDC: Linea · amUSD: Linea · aBasUSDC: Base
Availability
Supported token and network combinations; regional restrictions apply
Limit scope
User-selected spending cap
Account setup
wallet
Restrictions
Other wallet assets are not directly spendable and must first be moved or swapped into a supported token and network combination before card access can be enabled.
Wallet assetsWallet control
Eligible assets stay in the connected wallet until an authorized card payment uses them.
How spending works
The user enables an eligible token and network combination for card use. Other wallet assets must first be moved or swapped into a supported combination.
Card spendEnabled wallet assets · 1 routeCard spending pathEnabled wallet assets
Card spending path
1 route
Wallet spending caps
This is delegated card spending from the user's wallet, not a card deposit, receive, crypto-send or bank-payout rail.
- Fee
- No fixed fee
- Speed
- Varies by rail
- Limits
- Per-token spending caps are set and revocable by the user; card transaction limits vary by tier
- Availability
- Confirmed scope
Route details
Fee components
- No provider transfer fee
Access path
Via connected wallet
Availability
Eligible wallet assets on Linea, Solana, Base and Monad; New York and Texas are limited to Linea and Base
Restrictions
This is delegated card spending from the user's wallet, not a card deposit, receive, crypto-send or bank-payout rail.
05 · Optional product
Earn is separate from the card
These yield products require a separate deposit. APY is variable, and neither return nor principal is guaranteed.
Spendable yield
Aave yield-bearing card balance
Variable by asset
Spendable yield
MetaMask Money Account
Up to 6% APY
Risk noteVariable APY, custody, smart-contract, liquidity, protocol, counterparty and market risks may apply. Treat Earn/vault balances as separate yield exposure; access to funds depends on the provider's current withdrawal, card and collateral rules.
06 · Trust and eligibility
Where MetaMask is available — and who runs each part
Eligibility, identity checks and provider responsibilities are kept separate.
Identity & KYC
Identity verification is required to access card services.
- Verification provider
- Crypto Life
Availability
The complete supported-country list is shown below. Residence, identity documents and signup checks still apply.
Countries explicitly listed47 countries
AndorraArgentinaAustriaBahrainBelgiumBrazilBulgariaCanadaChileColombiaCosta RicaCroatiaCyprusDenmarkDominican RepublicEl SalvadorFinlandFranceGermanyGibraltarGreeceGuatemalaGuernseyHungaryIcelandIrelandIsle of ManItalyJerseyLiechtensteinLuxembourgMaltaMexicoMonacoNetherlandsNorwayOmanPanamaPolandPortugalRomaniaSlovakiaSloveniaSpainSwedenSwitzerlandUruguay
Known restrictions203 countries
AfghanistanAland IslandsAlbaniaAlgeriaAmerican SamoaAngolaAnguillaAntarcticaAntigua and BarbudaArmeniaArubaAustraliaAzerbaijanBahamasBangladeshBarbadosBelarusBelizeBeninBermudaBhutanBoliviaBonaire, Sint Eustatius and SabaBosnia and HerzegovinaBotswanaBouvet IslandBritish Indian Ocean TerritoryBruneiBurkina FasoBurundiCabo VerdeCambodiaCameroonCayman IslandsCentral African RepublicChadChinaChristmas IslandCocos (Keeling) IslandsComorosCongoCongo, Democratic Republic of theCook IslandsCote d'IvoireCubaCuracaoCzechiaDjiboutiDominicaEcuadorEgyptEquatorial GuineaEritreaEstoniaEswatiniEthiopiaFalkland IslandsFaroe IslandsFijiFrench GuianaFrench PolynesiaFrench Southern TerritoriesGabonGambiaGeorgiaGhanaGreenlandGrenadaGuadeloupeGuamGuineaGuinea-BissauGuyanaHaitiHeard Island and McDonald IslandsHoly SeeHondurasHong KongIndiaIndonesiaIranIraqIsraelJamaicaJapanJordanKazakhstanKenyaKiribatiKosovoKuwaitKyrgyzstanLaosLatviaLebanonLesothoLiberiaLibyaLithuaniaMacaoMadagascarMalawiMalaysiaMaldivesMaliMarshall IslandsMartiniqueMauritaniaMauritiusMayotteMicronesiaMoldovaMongoliaMontenegroMontserratMoroccoMozambiqueMyanmarNamibiaNauruNepalNew CaledoniaNew ZealandNicaraguaNigerNigeriaNiueNorfolk IslandNorth KoreaNorth MacedoniaNorthern Mariana IslandsPakistanPalauPalestinePapua New GuineaParaguayPeruPhilippinesPitcairnPuerto RicoQatarReunionRussiaRwandaSaint BarthelemySaint Helena, Ascension and Tristan da CunhaSaint Kitts and NevisSaint LuciaSaint MartinSaint Pierre and MiquelonSaint Vincent and the GrenadinesSamoaSan MarinoSao Tome and PrincipeSaudi ArabiaSenegalSerbiaSeychellesSierra LeoneSingaporeSint MaartenSolomon IslandsSomaliaSouth AfricaSouth Georgia and the South Sandwich IslandsSouth KoreaSouth SudanSri LankaSudanSurinameSvalbard and Jan MayenSyriaTaiwanTajikistanTanzaniaThailandTimor-LesteTogoTokelauTongaTrinidad and TobagoTunisiaTurkeyTurkmenistanTurks and Caicos IslandsTuvaluUgandaUkraineUnited Arab EmiratesUnited KingdomUnited StatesUnited States Minor Outlying IslandsUzbekistanVanuatuVenezuelaVietnamVirgin Islands, BritishVirgin Islands, U.S.Wallis and FutunaWestern SaharaYemenZambiaZimbabwe
Who handles what
Only concrete responsibilities and identified organisations are shown.
RoleHandled byResponsibility and scope
Card productMetaMask
Public-facing product and account experience; legal operators are listed separately when confirmed.
Custody controlCardholder
Retains control of funds until payment.
Self-custodyIdentity verificationCrypto Life
Card account onboarding and KYC
Card services / infrastructureMonavate / Baanx
Card programme and payment infrastructure
Card issuerCross River Bank
Issues the card for the applicable programme.
Jurisdiction: United States · Applies to: US MetaMask Card programme07 · Methodology
Why the score is 72
The score weighs practical costs, rewards, daily usability, funding and transfers, eligibility, custody, and the company and provider stack. Undisclosed data does not boost the score.
72/100
GoodHigher is better
Key score driversLargest effects after applying the Overall category weights
Strongest lift99
Everyday usability
Mastercard spending includes virtual card, physical card, Apple Pay, Google Pay and ATM access.
Additional support94
Company & infrastructure
Named programme infrastructure includes Mastercard (network), Monavate / Baanx (processing) and Cross River Bank (issuer).
Main constraint29
Rewards value
1% base cashback and up to 3%; higher rates depend on complex conditions, paid in mUSD.
08 · Evidence
Sources
12 sources12 officialChecked Jul 14, 2026
We review every published fact and value on this page against source evidence. Official product, fee, membership and legal sources are used for the terms that affect cost, eligibility, rewards and custody.
Primary sourcesOfficial product, fee, membership and legal pages
Spend crypto for everyday purchases with MetaMask Card, crypto cardOfficial source ↗What is MetaMask Card? | MetaMask Help CenterOfficial source ↗Limits and fees | MetaMask Help CenterOfficial source ↗FAQs | MetaMask Help CenterOfficial source ↗MetaMask Metal card | MetaMask Help CenterOfficial source ↗Security and privacy | MetaMask Help CenterOfficial source ↗
Help keep this page accurate
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