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Compare fees, rewards and how each card works. Add or replace cards anytime.

Your comparison2 of 4 cards selected
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MetaMask orange Mastercard card front visual
76Overall

Best fit

  • Spending supported wallet tokens without preloading a card balance.
  • Spending supported Aave balances without a separate withdrawal.

Before you choose

  • Card purchases require supported token-and-network combinations.
  • Spending wETH adds 0.875% conversion before any cross-border charges.
Read review
Unofficial MPChat-inspired card design concept; not an issued card design
52Overall

Best fit

  • MPChat Pay users allocating USDT to a separate Visa spending balance.
  • Choosing Cloud for online payments or Boundless for physical-card use.

Before you choose

  • Each purchase costs 0.8%, plus variable USDT conversion and any issuer FX.
  • Cloud costs 10 USDT; Boundless costs 100 USDT and charges 2% for ATMs.
Read review
2 of 4 cards selected

Fees, rewards & everyday use

Compare the details

01

Scores

Overall Score
MetaMask Card: 76
MPChat Card: 52
Cashback score
MetaMask Card: 49
MPChat Card: 18
Travel score
MetaMask Card: 91
MPChat Card: 72
Funds control score
MetaMask Card: 87
MPChat Card: 41
Lowest fees score
MetaMask Card: 82
MPChat Card: 60
Transfers score
MetaMask Card: 59
MPChat Card: 58
02

Costs

Plan cost
MetaMask Card: $0
MPChat Card: $0
FX fee
MetaMask Card: 0–1%
MPChat Card: 0%
Top-up fee
MetaMask Card: 0%
MPChat Card: USDT on Tron (TRC20); minimum received 10 USDT; allocate Pay balance to card
Card spending fee
MetaMask Card: Not disclosed
MPChat Card: 0.8%
ATM fee
MetaMask Card: Free tier 2%; Metal free up to $1,200/mo, then 2%
MPChat Card: Boundless only: 2%, minimum $1; Cloud has no ATM access
Virtual card
MetaMask Card: Up to 1 free virtual cards by tier
MPChat Card: Cloud: 10 USDT one time
Physical card
MetaMask Card: Metal tier $199/year; orders temporarily paused as of June 2, 2026
MPChat Card: $100
Asset conversion fee
MetaMask Card: 0.875%
MPChat Card: Not disclosed
03

Plans & rewards

Entry plan
MetaMask Card: Virtual
MPChat Card: Cloud Card
Base cashback
MetaMask Card: 1%
MPChat Card: Not disclosed
Max cashback
MetaMask Card: 3%
MPChat Card: Not disclosed
Reward currency
MetaMask Card: mUSD
MPChat Card: Not disclosed
Cashback cap · entry plan
MetaMask Card: Not disclosed
MPChat Card: Not disclosed
Top cashback plan
MetaMask Card: Metal
MPChat Card: Not disclosed
Cashback on top plan
MetaMask Card: 3% in mUSD
MPChat Card: Not disclosed
Full-rate spend · top plan
MetaMask Card: $10,000 / year
MPChat Card: Not disclosed
Rate after spend cap · top plan
MetaMask Card: 1%
MPChat Card: Not disclosed
Top plan price / access
MetaMask Card: $199/yr
MPChat Card: Not disclosed
Top plan qualification
MetaMask Card: US users except Vermont
MPChat Card: Not disclosed
Top plan availability
MetaMask Card: New activations paused; existing members unaffected
MPChat Card: Not disclosed
04

Everyday use

Network
MetaMask Card: Mastercard
MPChat Card: Visa
Card formats
MetaMask Card: Virtual, Physical
MPChat Card: Virtual, Physical
ATM withdrawals
MetaMask Card: Available
MPChat Card: Available
Mobile wallets
MetaMask Card: Apple Pay, Google Pay
MPChat Card: Google Pay
Apps
MetaMask Card: iOS, Android, Web
MPChat Card: Not disclosed
Daily spending limit
MetaMask Card: Unknown
MPChat Card: $250,000 / day
Monthly spending limit
MetaMask Card: Unknown
MPChat Card: $1,000,000 / month
ATM limit
MetaMask Card: Limits shown in app
MPChat Card: $1,500 / day
05

Money in & out

Networks
MetaMask Card: Linea, Solana, Base, Monad
MPChat Card: Tron (TRC20)
Stablecoin deposits
MetaMask Card: Not disclosed
MPChat Card: USDT
Other crypto deposits
MetaMask Card: Not disclosed
MPChat Card: Not disclosed
Fiat deposits
MetaMask Card: Not disclosed
MPChat Card: Not disclosed
Crypto transfers
MetaMask Card: Wallet spending caps
MPChat Card: External USDT withdrawal
Internal transfers
MetaMask Card: Not disclosed
MPChat Card: Not disclosed
Bank transfers
MetaMask Card: Not disclosed
MPChat Card: Not disclosed
Payout currencies
MetaMask Card: Not disclosed
MPChat Card: Not disclosed
06

Earn

Advertised APY
MetaMask Card: Up to 6% APY
MPChat Card: Not offered
How it works
MetaMask Card: Earn on spending balance, Optional earn vault
MPChat Card: Not offered
Separate deposit
MetaMask Card: Yes
MPChat Card: Not offered
Use balance for spending
MetaMask Card: Yes
MPChat Card: Not offered
Lock-up
MetaMask Card: No
MPChat Card: Not offered
07

Trust & sources

Custody
MetaMask Card: Self-custody
MPChat Card: Custodial
Control until payment
MetaMask Card: You keep control
MPChat Card: Provider controls funds
Card issuer
MetaMask Card: Cross River Bank
MPChat Card: Not disclosed
Identity verification
MetaMask Card: Crypto Life
MPChat Card: Not disclosed
Official sources
MetaMask Card: 12
MPChat Card: 30
Last reviewed
MetaMask Card: Nov 12, 2026
MPChat Card: Nov 12, 2026

Using the comparison

Compare cards FAQ

Can I compare more than two cards on my phone?

Yes. Select up to four cards. On a phone, two cards appear side by side. Tap the left or right card menu to show another selected card; the rest stay in your comparison.

How do I add or replace a card?

Open Change cards, choose two to four cards and apply your selection. The same control stays beside the section menu as you scroll through the table.

Which plan do the cashback figures describe?

Entry-plan and top-plan rewards have separate rows, with the plan name shown for each. A headline maximum can apply to a bonus category rather than every purchase. The info icons beside the figures show their qualifying terms.

What is the difference between the cashback caps?

A cashback cap limits the rewards you earn. A full-rate spend cap limits the purchases earning a particular rate; a lower rate may apply afterwards. A redemption cap limits how much you can redeem. These are separate rows because they measure different things.

Does Not disclosed mean a fee is zero?

No. It means we do not have a published figure for that item. Confirmed zero fees appear as 0% or $0. Tap an info icon for plan, asset or regional conditions attached to a published fee.

Do partner offers influence the scores?

No. Scores and rankings follow our published methodology. Partner links, signup offers and commissions never change those calculations.

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