Main strengths
- 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
MetaMask Card lets eligible wallet assets fund Mastercard purchases without preloading a separate card balance. The free Virtual tier includes phone-wallet access and mUSD rewards, with optional Aave yield available for supported assets.
Self-custodyLow FXTravel focusClear feesFree base planUSD rewards
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 Card has a $0 entry option, with paid tiers for higher rewards or added benefits. Funding, FX and cash-access costs remain visible below.
ItemStandard tierWhat it means
Annual plan$0Competitive entry price
Spend delegation0%No separate provider fee for enabling wallet assets for card spend
Provider FX markup0–1%Can erase 1% base cashback
Asset conversion fee0.875%Applies when a digital asset is converted to the card's settlement currency.
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 spendNot disclosedListed
Monthly card spendNot disclosedListed
ATM limitNot disclosedListed
Account depositNot disclosedListed
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 current purchase reward rate
Conditional: not the automatic rate
mUSD cashback
Highest current full-rate threshold; spend above it earns 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%
- Full-rate spend
- Not listed
- ATM free allowance
- Not listed
- 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
- Not listed
- Availability
- New activations paused; existing members unaffected
- FX
- 0%
- Full-rate spend
- $10,000 / year; then 1%
- 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
How the card fits everyday use
See the available card formats, phone wallets and account rails, plus any channels that are still being confirmed.
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 assets1 route
Eligible wallet assets
1 route
Eligible wallet assetsSupported 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+4FeeNo prefunding feeSpeedAfter approvalLimitsUser-set capAvailabilityRegion-dependentDetails
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 assets1 route
Card spending path
1 route
Wallet spending capsThis is delegated card spending from the user's wallet, not a card deposit, receive, crypto-send or bank-payout rail.FeeNo fixed feeSpeedVaries by railLimitsPer-token spending caps are set and revocable by the user; card transaction limits vary by tierAvailabilityConfirmed scopeDetails
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
Add yield through a separate balance
These yield products add variable-rate options through separate deposits. Move funds back to the spending balance when direct card spend is not supported.
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 supports the card
See current signup reach, identity checks and the organisations behind the card.
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.
- Explicit restrictions
- 2 countriesThese reviewed jurisdiction records are hard exclusions; locations outside the list still require the normal signup and identity checks.
Countries explicitly listed47 countries
AndorraArgentinaAustriaBahrainBelgiumBrazilBulgariaCanadaChileColombiaCosta RicaCroatiaCyprusDenmarkDominican RepublicEl SalvadorFinlandFranceGermanyGibraltarGreeceGuatemalaGuernseyHungaryIcelandIrelandIsle of ManItalyJerseyLiechtensteinLuxembourgMaltaMexicoMonacoNetherlandsNorwayOmanPanamaPolandPortugalRomaniaSlovakiaSloveniaSpainSwedenSwitzerlandUruguay
Explicit restriction list2 countries
United KingdomUnited States
Who handles what
The named organisations and their current roles are listed below.
RoleHandled byResponsibility and scope
Card productMetaMask
Provides the product and account experience. Named legal operators appear separately.
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 76
The score combines practical costs, rewards, daily usability, funding and transfers, eligibility, custody, and the provider stack.
Missing or undisclosed fields receive no positive credit.
76/100
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 support93
Company & infrastructure
Named programme infrastructure includes Mastercard (network), Monavate / Baanx (processing) and Cross River Bank (issuer).
Main constraint28
Rewards value
1% base cashback and up to 3%; higher rates depend on complex conditions, paid in mUSD.
08 · Evidence
Sources
12 sources12 officialChecked Aug 12, 2026
We check every published fact and value against official product, fee, membership and legal information covering costs, eligibility, rewards and custody.
Primary sourcesOfficial product, fee, membership and legal pages
MetaMask Money AccountOfficial source ↗MetaMask Metal Card availabilityOfficial source ↗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 ↗
09 · Card comparison
How MetaMask Card compares to others
A side-by-side look at cards built around stablecoin funding, everyday Mastercard access and linked yield features.
1 / 3
Current card
MetaMask Card
Spend supported wallet assets directly, without an exchange balance.
- Card
- Debit Mastercard, Virtual + Physical
- Funds control
- Self-controlled wallet
- Cashback
- 1%–3%
- FX fee
- 0%–1%
- Apps
- iOS, Android, Web app
- Stablecoin set
- mUSD, USDC, USDT +2
- Funding routes
- Token approval
Similar match
Users control the wallet and can exit independently after a 24–72 hour delay.
- Card
- Debit Mastercard, Virtual + Physical
- Funds control
- Self-controlled wallet
- Cashback
- 1%–20%
- FX fee
- Bleap exchange fee and provider FX markup: 0%; Mastercard conversion and scheme charges can apply
- Apps
- iOS, Android · Web app not confirmed
- Stablecoin set
- USDC, EURE + USDT
- Funding routes
- Not confirmed
Similar match
Supported stablecoins, personal bank details and card access sit in one COCA app.
- Card
- Debit Visa, Virtual + Physical
- Funds control
- Self-controlled wallet
- Cashback
- 1%–8%
- FX fee
- 0% on direct pairs
- Apps
- iOS, Android · Web app not confirmed
- Stablecoin set
- USDT, USDC + EURC
- Funding routes
- Stablecoin receive, Crypto transfer, Bank deposit + USD balance
Want a deeper comparison?
Compare up to four cards in detail across fees, rewards, everyday use, money movement, custody and more.
Help keep this page accurate
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Tell us what changed and, if possible, include an official source. We review corrections before updating public card facts.