MetaMaskMetaMask
76
Side-by-side card comparison
MetaMask vs Exa: overall score versus use-case fit
MetaMask Card has the higher Overall Score by 10 points (76 vs 66). MetaMask Card looks stronger for Cashback, Travel, and Lowest fees, while Exa Card comes out ahead for Funds control and Transfers.
Information checked Aug 23, 202643 official sources reviewed
01 · Overall score versus use-case fit
MetaMask Card is the better all-round starting point
MetaMask Card has the higher Overall Score in this comparison. Exa Card may be the better fit for Funds control and Transfers. 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.
OverallMetaMask76Exa66Higher score
CashbackMetaMask49Exa19Higher score
TravelMetaMask91Exa61Higher score
Funds controlMetaMask87Exa88Higher score
Lowest feesMetaMask82Exa67Higher score
TransfersMetaMask59Exa97Higher score
Choose MetaMask Card if cashback and travel matter most
MetaMask Card comes out ahead for Cashback, Travel, and Lowest fees 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 Exa Card if funds control and transfers matter most
Exa Card comes out ahead for Funds control and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Deposited assets can earn yield
- Spend balance or borrow USDC
- Self-custody on Exactly Protocol
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
- MetaMask76Exa66
MetaMask Card has the higher Overall Score by 10 points.
- Entry cost & FX
- MetaMask$0 plan · 0–1% FXExa$0 plan · 1.5% FX
MetaMask Card has the lower published FX fee (0–1% vs 1.5%).
- Purchase rewards
- MetaMask1% base · up to 3%Exa0% cashback
MetaMask Card has the higher published base cashback rate (1% vs 0%).
- Funds control
- MetaMaskSelf-controlled walletExaSelf-controlled wallet
MetaMask Card and Exa Card use the same self-controlled wallet setup.
- Everyday access
- MetaMaskVirtual + Physical · Apple Pay, Google PayExaVirtual · Apple Pay, Google Pay
MetaMask Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- MetaMask5 stablecoins · Stablecoin transfersExa1 stablecoin · Stablecoin transfers; USD ACH bank payout, USD domestic wire payout, EUR SEPA bank payout
Both cards list the same number of stablecoins and ways to send money out.
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
66
- Cashback
- 0%
- Plan cost
- $0
- FX fee
- 1.5%
- ATM fee
- $1 + 0.65%
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 5 crypto · 4 fiat
- Payout methods
- 1 crypto · 2 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 CardOverall76Exa CardOverall66
MetaMask CardOverall76Exa CardOverall66Scores
6 fields- Overall Score
- MetaMask Card76Exa Card66
- Cashback score
- MetaMask Card49Exa Card19
- Travel score
- MetaMask Card91Exa Card61
- Funds control score
- MetaMask Card87Exa Card88
- Lowest fees score
- MetaMask Card82Exa Card67
- Transfers score
- MetaMask Card59Exa Card97
Strengths & trade-offs
2 fields- Strengths
- MetaMask CardSpend enabled MetaMask wallet assets, Self-custody spend modelExa CardDeposited assets can earn yield, Spend balance or borrow USDC
- Trade-offs
- MetaMask CardToken and network support is restricted, Fees can offset cashbackExa CardHeavy Exactly Protocol dependency, Pay Later needs DeFi literacy
Costs
7 fields- Plan cost
- MetaMask Card$0Exa Card$0
- FX fee
- MetaMask Card0–1%Exa Card1.5%
- Top-up fee
- MetaMask Card0%Exa Card1%
- Card spending fee
- MetaMask CardNot disclosedExa CardNot disclosed
- ATM fee
- MetaMask Card0–2%Exa Card$1 + 0.65%
- Virtual card
- MetaMask CardUp to 1 free virtual cards by tierExa CardFree with Exa Wallet
- Physical card
- MetaMask CardMetal tier $199/year; orders temporarily paused as of June 2, 2026Exa CardNot available
Plans
2 fields- Available plans
- MetaMask Card2 plans: Virtual, MetalExa CardNot disclosed
- Top cashback plan
- MetaMask CardMetal: 3%Exa CardNot disclosed
Everyday use
8 fields- Network
- MetaMask CardMastercardExa CardVisa
- Card formats
- MetaMask CardVirtual, PhysicalExa CardVirtual
- ATM withdrawals
- MetaMask CardAvailableExa CardAvailable
- Mobile wallets
- MetaMask CardApple Pay, Google PayExa CardApple Pay, Google Pay
- Apps
- MetaMask CardiOS, Android, WebExa CardiOS, Android, Web
- Daily spending limit
- MetaMask CardNot disclosedExa CardDynamic / collateral-based; exact Exa App limit shown in app
- Monthly spending limit
- MetaMask CardNot disclosedExa CardDynamic / collateral-based; exact Exa App limit shown in app
- ATM limit
- MetaMask CardLimits shown in appExa Card$250/withdrawal; $1000/day
Funding & transfers
5 fields- Networks
- MetaMask CardLinea, Solana, Base, MonadExa CardOptimism
- Crypto deposits
- MetaMask CardNot disclosedExa CardStablecoins: USDC; Other crypto: ETH, OP, WBTC, wstETH
- Fiat deposits
- MetaMask CardNot disclosedExa CardUSD ACH deposit, USD wire deposit, EUR SEPA deposit, Local currency deposit
- Transfers
- MetaMask CardStablecoin transfersExa CardStablecoin transfers; USD ACH bank payout, USD domestic wire payout, EUR SEPA bank payout
- Payout currencies
- MetaMask CardNot disclosedExa CardUSD, EUR
Rewards
3 fields- Base cashback
- MetaMask Card1%Exa Card0%
- Max cashback
- MetaMask Card3%Exa Card0%
- Reward currency
- MetaMask CardmUSD cashbackExa CardNo cashback
Earn
5 fields- Advertised APY
- MetaMask CardUp to 6% APYExa CardUp to 0.99776% APY
- How it works
- MetaMask CardEarn on spending balance, Optional earn vaultExa CardEarn on spending balance, Borrow against collateral
- Separate deposit
- MetaMask CardYesExa CardNo
- Use balance for spending
- MetaMask CardYesExa CardYes
- Lock-up
- MetaMask CardNoExa CardNo
Trust & availability
7 fields- Custody
- MetaMask CardSelf-custodyExa CardSelf-custody
- Control until payment
- MetaMask CardYou keep controlExa CardYou keep control
- Card issuer
- MetaMask CardCross River BankExa CardThird National Bank, Third National
- Card processing
- MetaMask CardNot disclosedExa CardExa Labs SAS
- Deposits & withdrawals
- MetaMask CardNot disclosedExa CardBridge, Manteca
- Identity verification
- MetaMask CardCrypto LifeExa CardNot disclosed
- Programme operator
- MetaMask CardNot disclosedExa CardExa Labs SAS
Sources
2 fields- Official sources
- MetaMask Card12Exa Card31
- Last reviewed
- MetaMask CardAug 12, 2026Exa CardAug 23, 2026
04 · The trade-off
MetaMask Card is the stronger all-round choice
MetaMask Card finishes ahead with an Overall Score of 76 versus 66 for Exa Card. MetaMask Card has the lower published FX fee (0–1% vs 1.5%). MetaMask Card has the higher published base cashback rate (1% vs 0%).
Exa Card still comes out ahead for Funds control and Transfers, which may matter more than the overall result if that is how you plan to use the card. MetaMask Card and Exa Card use the same self-controlled wallet setup.
Both cards list the same number of stablecoins and ways to send money out. 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 Exa Card reviews first.
Continue with
MetaMask Card
Continue with
Exa Card
05 · Common questions
MetaMask vs Exa FAQ
Is MetaMask or Exa better overall?
MetaMask Card has the higher Overall Score (76 vs 66). 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 Exa?
MetaMask Card has the lower published FX fee (0–1% vs 1.5%). 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 Exa?
MetaMask Card has the higher published base cashback rate (1% vs 0%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do MetaMask and Exa differ on custody?
MetaMask Card and Exa Card use the same self-controlled wallet setup.
How current is this MetaMask vs Exa comparison?
The latest information check for these two cards was August 23, 2026, using 43 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.