MetaMaskMetaMask
76
Side-by-side card comparison
MetaMask vs Krak: overall score versus use-case fit
MetaMask Card has the higher Overall Score by 2 points (76 vs 74). MetaMask Card looks stronger for Cashback, Travel, Funds control, and Lowest fees, while Krak Card comes out ahead for Transfers.
Information checked Aug 27, 202638 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. Krak Card may be the better fit for 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.
OverallMetaMask76Krak74Higher score
CashbackMetaMask49Krak40Higher score
TravelMetaMask91Krak83Higher score
Funds controlMetaMask87Krak56Higher score
Lowest feesMetaMask82Krak72Higher score
TransfersMetaMask59Krak97Higher score
Choose MetaMask Card if cashback and travel matter most
MetaMask Card comes out ahead for Cashback, Travel, Funds control, 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 Krak Card if transfers matters most
Krak Card comes out ahead for Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- No monthly, FX or Krak ATM fee
- Both card formats and phone wallets
- Automatic cashback up to 2%
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
- MetaMask76Krak74
MetaMask Card has the higher Overall Score by 2 points.
- Entry cost & FX
- MetaMask$0 plan · 0–1% FXKrak$0 plan · 0–1% FX
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option.
- Purchase rewards
- MetaMask1% base · up to 3%Krak0% base · up to 2%
MetaMask Card has the higher published base cashback rate (1% vs 0%).
- Funds control
- MetaMaskSelf-controlled walletKrakCustodial balance
MetaMask Card uses a self-controlled wallet setup, while Krak Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- MetaMaskVirtual + Physical · Apple Pay, Google PayKrakVirtual + Physical · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- MetaMask5 stablecoins · Stablecoin transfersKrak0 stablecoins · Stablecoin transfers; Krak internal send, Krak ↔ Kraken balance transfer; GBP Faster Payments, EUR SEPA
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
- Cashback
- 0%-2%
- Plan cost
- $0
- FX fee
- 0–1%
- ATM fee
- 0% Krak fee; ATM operator may charge
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 3 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 CardOverall76Krak CardOverall74
MetaMask CardOverall76Krak CardOverall74Scores
6 fields- Overall Score
- MetaMask Card76Krak Card74
- Cashback score
- MetaMask Card49Krak Card40
- Travel score
- MetaMask Card91Krak Card83
- Funds control score
- MetaMask Card87Krak Card56
- Lowest fees score
- MetaMask Card82Krak Card72
- Transfers score
- MetaMask Card59Krak Card97
Strengths & trade-offs
2 fields- Strengths
- MetaMask CardSpend enabled MetaMask wallet assets, Self-custody spend modelKrak CardNo monthly, FX or Krak ATM fee, Both card formats and phone wallets
- Trade-offs
- MetaMask CardToken and network support is restricted, Fees can offset cashbackKrak CardCrypto conversion spread is variable, The 2% tier needs a large balance
Costs
7 fields- Plan cost
- MetaMask Card$0Krak Card$0
- FX fee
- MetaMask Card0–1%Krak Card0–1%
- Top-up fee
- MetaMask Card0%Krak CardNot disclosed
- Card spending fee
- MetaMask CardNot disclosedKrak Card0%
- ATM fee
- MetaMask Card0–2%Krak Card0% Krak fee; ATM operator may charge
- Virtual card
- MetaMask CardUp to 1 free virtual cards by tierKrak CardFree
- Physical card
- MetaMask CardMetal tier $199/year; orders temporarily paused as of June 2, 2026Krak CardPlastic £0/€0/$0; US plastic requires $200 over 30 days; first eligible metal card £0/€0/$0
Plans
2 fields- Available plans
- MetaMask Card2 plans: Virtual, MetalKrak Card5 plans: Starter, Lite, Pro, Elite +1
- Top cashback plan
- MetaMask CardMetal: 3%Krak CardMax: 2%
Everyday use
8 fields- Network
- MetaMask CardMastercardKrak CardMastercard/Visa
- Card formats
- MetaMask CardVirtual, PhysicalKrak CardVirtual, Physical
- ATM withdrawals
- MetaMask CardAvailableKrak CardAvailable
- Mobile wallets
- MetaMask CardApple Pay, Google PayKrak CardApple Pay, Google Pay
- Apps
- MetaMask CardiOS, Android, WebKrak CardiOS, Android
- Daily spending limit
- MetaMask CardNot disclosedKrak CardUK: £22,000/day; EEA: €12,000/day; US: $12,000/day
- Monthly spending limit
- MetaMask CardNot disclosedKrak CardUK: £22,000/month; EEA: €12,000/month; US: $22,000/month
- ATM limit
- MetaMask CardLimits shown in appKrak CardUK: £250/withdrawal, £750/day, £4,000/month; EEA: €300/withdrawal, €900/day, €4,800/month; US: $250/withdrawal, $1,000/day, $5,000/month
Funding & transfers
5 fields- Networks
- MetaMask CardLinea, Solana, Base, MonadKrak CardNot disclosed
- Crypto deposits
- MetaMask CardNot disclosedKrak CardOther crypto: Supported crypto
- Fiat deposits
- MetaMask CardNot disclosedKrak CardGBP bank transfer, EUR bank transfer, USD bank transfer
- Transfers
- MetaMask CardStablecoin transfersKrak CardStablecoin transfers; Krak internal send, Krak ↔ Kraken balance transfer; GBP Faster Payments, EUR SEPA
- Payout currencies
- MetaMask CardNot disclosedKrak CardGBP, EUR
Rewards
3 fields- Base cashback
- MetaMask Card1%Krak Card0%
- Max cashback
- MetaMask Card3%Krak Card2%
- Reward currency
- MetaMask CardmUSD cashbackKrak CardGBP, EUR, USD or BTC
Earn
5 fields- Advertised APY
- MetaMask CardUp to 6% APYKrak CardUp to 3.6% APY
- How it works
- MetaMask CardEarn on spending balance, Optional earn vaultKrak CardOptional earn vault
- Separate deposit
- MetaMask CardYesKrak CardYes
- Use balance for spending
- MetaMask CardYesKrak CardNo
- Lock-up
- MetaMask CardNoKrak CardNot disclosed
Trust & availability
6 fields- Custody
- MetaMask CardSelf-custodyKrak CardCustodial
- Control until payment
- MetaMask CardYou keep controlKrak CardProvider controls funds
- Card issuer
- MetaMask CardCross River BankKrak CardMonavate Limited, Lead Bank, UAB Monavate
- Card processing
- MetaMask CardNot disclosedKrak CardStripe
- Identity verification
- MetaMask CardCrypto LifeKrak CardNot disclosed
- Programme operator
- MetaMask CardNot disclosedKrak CardPayward Wallet, Inc.
Sources
2 fields- Official sources
- MetaMask Card12Krak Card26
- Last reviewed
- MetaMask CardAug 12, 2026Krak CardAug 27, 2026
04 · The trade-off
MetaMask Card is the stronger all-round choice
MetaMask Card finishes ahead with an Overall Score of 76 versus 74 for Krak Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. MetaMask Card has the higher published base cashback rate (1% vs 0%).
Krak Card still comes out ahead for Transfers, 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 Krak Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
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 Krak Card reviews first.
Continue with
MetaMask Card
Continue with
Krak Card
05 · Common questions
MetaMask vs Krak FAQ
Is MetaMask or Krak better overall?
MetaMask Card has the higher Overall Score (76 vs 74). 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 Krak?
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. 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 Krak?
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 Krak differ on custody?
MetaMask Card uses a self-controlled wallet setup, while Krak Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this MetaMask vs Krak comparison?
The latest information check for these two cards was August 27, 2026, using 38 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.