MetaMaskMetaMask
76
Side-by-side card comparison
MetaMask vs Ethena Pay: overall score versus use-case fit
Ethena Pay Card has the higher Overall Score by 10 points (86 vs 76). MetaMask Card looks stronger for Travel and Funds control, while Ethena Pay Card comes out ahead for Cashback, Lowest fees, and Transfers.
Information checked Sep 1, 202624 official sources reviewed
01 · Overall score versus use-case fit
Ethena Pay Card is the better all-round starting point
Ethena Pay Card has the higher Overall Score in this comparison. MetaMask Card may be the better fit for Travel and Funds control. A score cannot tell you whether a provider will accept your application or whether every feature will be available where you live, so check the latest provider terms before signing up.
OverallMetaMask76Ethena Pay86Higher score
CashbackMetaMask49Ethena Pay89Higher score
TravelMetaMask91Ethena Pay64Higher score
Funds controlMetaMask87Ethena Pay86Higher score
Lowest feesMetaMask82Ethena Pay87Higher score
TransfersMetaMask59Ethena Pay82Higher score
Choose MetaMask Card if travel and funds control matter most
MetaMask Card comes out ahead for Travel and Funds control in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Spend enabled MetaMask wallet assets
- Self-custody spend model
- Free Virtual tier includes mUSD cashback
Choose Ethena Pay Card if cashback and lowest fees matter most
Ethena Pay Card comes out ahead for Cashback, Lowest fees, and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Strong Standard cashback bands
- No Standard monthly fee or FX markup
- Collateral stays in linked wallets
Where each card has the edge
The overall leader does not win every use case, so the reason you want the card matters here.
- Overall Score
- MetaMask76Ethena Pay86
Ethena Pay Card has the higher Overall Score by 10 points.
- Entry cost & FX
- MetaMask$0 plan · 0–1% FXEthena Pay$0 plan · 0% Ethena Pay markup; Visa rate applies FX
Ethena Pay Card has the lower published FX fee (0% Ethena Pay markup; Visa rate applies vs 0–1%).
- Purchase rewards
- MetaMask1% base · up to 3%Ethena Pay4% base · up to 5%
Ethena Pay Card has the higher published base cashback rate (4% vs 1%).
- Funds control
- MetaMaskSelf-controlled walletEthena PayHybrid custody
MetaMask Card uses a self-controlled wallet setup, while Ethena Pay Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- MetaMaskVirtual + Physical · Apple Pay, Google PayEthena PayVirtual · Apple Pay
MetaMask Card lists more card formats and phone-wallet options (4 vs 2).
- Money movement
- MetaMask5 stablecoins · Stablecoin transfersEthena Pay1 stablecoin · Stablecoin transfers; Ethena Pay user transfer; Bank withdrawal
MetaMask Card lists more stablecoins and ways to send money out (5 vs 4).
02 · Read the shortlist
A closer look at the split decision
Start with the strengths that drive each use-case result, then test them against costs and access.
- Cashback
- 1%-3%
- Plan cost
- $0
- FX fee
- 0–1%
- ATM fee
- 0–2%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 0 crypto · 0 fiat
- Payout methods
- 0 crypto · 0 fiat
- Cashback
- 4%-5%
- Plan cost
- $0
- FX fee
- 0% Ethena Pay markup; Visa rate applies
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay
- Receive methods
- 0 crypto · 0 fiat
- Payout methods
- 1 crypto · 0 fiat
03 · Compare the details
See how the trade-offs line up
Comparable figures receive a marker; missing or unverified details stay visible instead of becoming an assumed advantage.
Best known Not disclosed
CardsMetaMask CardOverall76Ethena Pay CardOverall86
MetaMask CardOverall76Ethena Pay CardOverall86Scores
6 fields- Overall Score
- MetaMask Card76Ethena Pay Card86
- Cashback score
- MetaMask Card49Ethena Pay Card89
- Travel score
- MetaMask Card91Ethena Pay Card64
- Funds control score
- MetaMask Card87Ethena Pay Card86
- Lowest fees score
- MetaMask Card82Ethena Pay Card87
- Transfers score
- MetaMask Card59Ethena Pay Card82
Strengths & trade-offs
2 fields- Strengths
- MetaMask CardSpend enabled MetaMask wallet assets, Self-custody spend modelEthena Pay CardStrong Standard cashback bands, No Standard monthly fee or FX markup
- Trade-offs
- MetaMask CardToken and network support is restricted, Fees can offset cashbackEthena Pay CardCard access is still application-gated, One-day payment grace adds liquidation risk
Costs
7 fields- Plan cost
- MetaMask Card$0Ethena Pay Card$0
- FX fee
- MetaMask Card0–1%Ethena Pay Card0% Ethena Pay markup; Visa rate applies
- Top-up fee
- MetaMask Card0%Ethena Pay CardProvider collateral-funding fee unknown; external network gas is separate
- Card spending fee
- MetaMask CardNot disclosedEthena Pay Card0%
- ATM fee
- MetaMask Card0–2%Ethena Pay CardNot available
- Virtual card
- MetaMask CardUp to 1 free virtual cards by tierEthena Pay CardUSD 0
- Physical card
- MetaMask CardMetal tier $199/year; orders temporarily paused as of June 2, 2026Ethena Pay CardNot disclosed
Plans
2 fields- Available plans
- MetaMask Card2 plans: Virtual, MetalEthena Pay Card3 plans: Standard, Pro, VIP
- Top cashback plan
- MetaMask CardMetal: 3%Ethena Pay CardVIP: 5%
Everyday use
8 fields- Network
- MetaMask CardMastercardEthena Pay CardVisa
- Card formats
- MetaMask CardVirtual, PhysicalEthena Pay CardVirtual
- ATM withdrawals
- MetaMask CardAvailableEthena Pay CardNot available
- Mobile wallets
- MetaMask CardApple Pay, Google PayEthena Pay CardApple Pay
- Apps
- MetaMask CardiOS, Android, WebEthena Pay CardiOS, Web
- Daily spending limit
- MetaMask CardNot disclosedEthena Pay CardDynamic, based on collateral market value
- Monthly spending limit
- MetaMask CardNot disclosedEthena Pay CardDynamic, based on collateral market value
- ATM limit
- MetaMask CardLimits shown in appEthena Pay CardNot available
Funding & transfers
5 fields- Networks
- MetaMask CardLinea, Solana, Base, MonadEthena Pay CardEthereum, Polygon, Optimism, Arbitrum
- Crypto deposits
- MetaMask CardNot disclosedEthena Pay CardNot disclosed
- Fiat deposits
- MetaMask CardNot disclosedEthena Pay CardNot disclosed
- Transfers
- MetaMask CardStablecoin transfersEthena Pay CardStablecoin transfers; Ethena Pay user transfer; Bank withdrawal
- Payout currencies
- MetaMask CardNot disclosedEthena Pay CardNot disclosed
Rewards
3 fields- Base cashback
- MetaMask Card1%Ethena Pay Card4%
- Max cashback
- MetaMask Card3%Ethena Pay Card5%
- Reward currency
- MetaMask CardmUSD cashbackEthena Pay CardAVAX
Earn
5 fields- Advertised APY
- MetaMask CardUp to 6% APYEthena Pay CardUp to 6% APY
- How it works
- MetaMask CardEarn on spending balance, Optional earn vaultEthena Pay CardEarn on spending balance
- Separate deposit
- MetaMask CardYesEthena Pay CardNo
- Use balance for spending
- MetaMask CardYesEthena Pay CardYes
- Lock-up
- MetaMask CardNoEthena Pay CardNo
Trust & availability
5 fields- Custody
- MetaMask CardSelf-custodyEthena Pay CardHybrid custody
- Control until payment
- MetaMask CardYou keep controlEthena Pay CardYou keep control
- Card issuer
- MetaMask CardCross River BankEthena Pay CardThird National
- Card processing
- MetaMask CardNot disclosedEthena Pay CardSignify Holdings, Inc. d/b/a Rain
- Identity verification
- MetaMask CardCrypto LifeEthena Pay CardSumsub
Sources
2 fields- Official sources
- MetaMask Card12Ethena Pay Card12
- Last reviewed
- MetaMask CardAug 12, 2026Ethena Pay CardSep 1, 2026
04 · The trade-off
Ethena Pay Card is the stronger all-round choice
Ethena Pay Card finishes ahead with an Overall Score of 86 versus 76 for MetaMask Card. Ethena Pay Card has the lower published FX fee (0% Ethena Pay markup; Visa rate applies vs 0–1%). Ethena Pay Card has the higher published base cashback rate (4% vs 1%).
MetaMask Card still comes out ahead for Travel and Funds control, which may matter more than the overall result if that is how you plan to use the card. MetaMask Card uses a self-controlled wallet setup, while Ethena Pay Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
MetaMask Card lists more stablecoins and ways to send money out (5 vs 4). Before applying, confirm availability in your country and recheck the provider's current fees and reward conditions.
If one card now looks like the better fit, you can check the latest application terms on the provider site or read our full MetaMask Card and Ethena Pay Card reviews first.
Continue with
MetaMask Card
Continue with
Ethena Pay Card
05 · Common questions
MetaMask vs Ethena Pay FAQ
Is MetaMask or Ethena Pay better overall?
Ethena Pay Card has the higher Overall Score (86 vs 76). 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 Ethena Pay?
Ethena Pay Card has the lower published FX fee (0% Ethena Pay markup; Visa rate applies vs 0–1%). 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 Ethena Pay?
Ethena Pay Card has the higher published base cashback rate (4% vs 1%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do MetaMask and Ethena Pay differ on custody?
MetaMask Card uses a self-controlled wallet setup, while Ethena Pay Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this MetaMask vs Ethena Pay comparison?
The latest information check for these two cards was September 1, 2026, using 24 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.