MetaMaskMetaMask
76
Side-by-side card comparison
MetaMask vs Decaf
MetaMask Card has the higher Overall Score by 12 points (76 vs 64). MetaMask Card looks stronger for Cashback, Travel, Funds control, and Lowest fees, while Decaf Card comes out ahead for Transfers.
Latest check Oct 19, 202633 official sources reviewed
MetaMask Card
Best fit
- Spending supported wallet tokens without preloading a card balance.
- Spending supported Aave balances without a separate withdrawal.
- Earning mUSD cashback with no annual fee on the Virtual card.
Before you choose
- Card purchases require supported token-and-network combinations.
- Spending wETH adds 0.875% conversion before any cross-border charges.
- New U.S. applications and new Metal card orders are currently unavailable.
Decaf Card
Best fit
- Spending USDC received on Solana or Stellar through a separate card load.
- Using the virtual Visa for Apple Pay and Google Pay purchases.
- Receiving bank payments as USDC before allocating funds to the card.
Before you choose
- Virtual issuance costs $5; physical cards cost $10–$90 by region.
- US international fees are 1%; the non-USD international FX ceiling is 2%.
- Card collateral can be liquidated; US withdrawals require prior notice.
Fees & features
Compare the details
Best markers compare published, comparable values. Unknown values never win a row.
Best known Not disclosed
CardsMetaMask CardOverall76Decaf CardOverall64
MetaMask CardOverall76Decaf CardOverall64Scores
- Overall Score
- MetaMask Card76Decaf Card64
- Cashback score
- MetaMask Card49Decaf Card29
- Travel score
- MetaMask Card91Decaf Card60
- Funds control score
- MetaMask Card87Decaf Card63
- Lowest fees score
- MetaMask Card82Decaf Card57
- Transfers score
- MetaMask Card59Decaf Card70
Costs
- Plan cost
- MetaMask Card$0Decaf Card$0
- FX fee
- MetaMask Card0–1%Decaf Card1–2%
- Top-up fee
- MetaMask Card0%Decaf CardCard-load fee unknown; parent-account bank deposits have separate charges
- Card spending fee
- MetaMask CardNot disclosedDecaf CardNot disclosed
- ATM fee
- MetaMask Card0–2%Decaf Card0% Decaf markup
- Virtual card
- MetaMask CardUp to 1 free virtual cards by tierDecaf Card$5
- Physical card
- MetaMask CardMetal tier $199/year; orders temporarily paused as of June 2, 2026Decaf Card$90 international / $10 US
Plans
- Available plans
- MetaMask Card2 plans: Virtual, MetalDecaf CardNot disclosed
- Top cashback plan
- MetaMask CardMetal: 3%Decaf CardNot disclosed
Everyday use
- Network
- MetaMask CardMastercardDecaf CardVisa
- Card formats
- MetaMask CardVirtual, PhysicalDecaf CardVirtual, Physical
- ATM withdrawals
- MetaMask CardAvailableDecaf CardNot disclosed
- Mobile wallets
- MetaMask CardApple Pay, Google PayDecaf CardApple Pay, Google Pay
- Apps
- MetaMask CardiOS, Android, WebDecaf CardiOS, Android, Web
- Daily spending limit
- MetaMask CardNot disclosedDecaf CardNot disclosed
- Monthly spending limit
- MetaMask CardNot disclosedDecaf CardNot disclosed
- ATM limit
- MetaMask CardLimits shown in appDecaf Card$250 per withdrawal; up to 3 withdrawals daily
Funding & transfers
- Networks
- MetaMask CardLinea, Solana, Base, MonadDecaf CardSolana, Stellar
- Crypto deposits
- MetaMask CardNot disclosedDecaf CardStablecoins: USDC
- Fiat deposits
- MetaMask CardNot disclosedDecaf CardUSD, EUR and MXN account receipts
- Transfers
- MetaMask CardStablecoin transfersDecaf CardParent-account bank withdrawals, MoneyGram cash pickup
- Payout currencies
- MetaMask CardNot disclosedDecaf CardUSD, EUR, MXN, COP, BRL, ARS, VES
Rewards
- Base cashback
- MetaMask Card1%Decaf CardNot disclosed
- Max cashback
- MetaMask Card3%Decaf CardNot disclosed
- Reward currency
- MetaMask CardmUSD cashbackDecaf CardNot disclosed
Earn
- Advertised APY
- MetaMask CardUp to 6% APYDecaf CardNot disclosed
- How it works
- MetaMask CardEarn on spending balance, Optional earn vaultDecaf CardOptional earn vault
- Separate deposit
- MetaMask CardYesDecaf CardYes
- Use balance for spending
- MetaMask CardYesDecaf CardNot disclosed
- Lock-up
- MetaMask CardNoDecaf CardNot disclosed
Trust & availability
- Custody
- MetaMask CardSelf-custodyDecaf CardNon-custodial
- Control until payment
- MetaMask CardYou keep controlDecaf CardNot disclosed
- Card issuer
- MetaMask CardCross River BankDecaf CardThird National, Inc.
- Card processing
- MetaMask CardNot disclosedDecaf CardRain
- Deposits & withdrawals
- MetaMask CardNot disclosedDecaf CardMoneyGram
- Identity verification
- MetaMask CardCrypto LifeDecaf CardNot disclosed
Sources
- Official sources
- MetaMask Card12Decaf Card21
- Last reviewed
- MetaMask CardAug 12, 2026Decaf CardOct 19, 2026
Choosing between these cards
When to choose MetaMask or Decaf
Spending in foreign currencies
For FX on foreign-currency purchases, MetaMask lists 0–1%, versus 1–2% at Decaf. Use the tariff for your country and plan; conversion fees can add to these figures.
Matching the card to your plans
MetaMask: Spending supported wallet tokens without preloading a card balance. Decaf: Spending USDC received on Solana or Stellar through a separate card load.
Common questions
MetaMask vs Decaf FAQ
Is MetaMask or Decaf better overall?
MetaMask Card has the higher Overall Score (76 vs 64). That does not make it better for everyone: your preferred fees, rewards, way of holding funds and country availability can change the practical choice.
Which has lower fees, MetaMask or Decaf?
MetaMask Card has the lower published FX fee (0–1% vs 1–2%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, MetaMask or Decaf?
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below. Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do MetaMask and Decaf differ on custody?
MetaMask Card uses a self-controlled wallet setup, while Decaf Card uses a non-custodial account setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this MetaMask vs Decaf comparison?
The latest information check for these two cards was October 19, 2026, using 33 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.