MetaMaskMetaMask
76
Side-by-side card comparison
MetaMask vs Lava: overall score versus use-case fit
MetaMask Card has the higher Overall Score by 14 points (76 vs 62). MetaMask Card looks stronger for Cashback, Travel, Funds control, and Lowest fees, while Lava Card comes out ahead for Transfers.
Information checked Oct 6, 202640 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. Lava 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.
OverallMetaMask76Lava62Higher score
CashbackMetaMask49Lava36Higher score
TravelMetaMask91Lava46Higher score
Funds controlMetaMask87Lava56Higher score
Lowest feesMetaMask82Lava59Higher score
TransfersMetaMask59Lava80Higher 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 Lava Card if transfers matters most
Lava 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 provider card FX fee
- BTC rewards at selected partners
- Stablecoin and bank funding
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
- MetaMask76Lava62
MetaMask Card has the higher Overall Score by 14 points.
- Entry cost & FX
- MetaMask$0 plan · 0–1% FXLava$0 plan · 0% provider FX fee FX
Lava Card has the lower published FX fee (0% provider FX fee vs 0–1%).
- Purchase rewards
- MetaMask1% base · up to 3%LavaUp to 5%
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below.
- Funds control
- MetaMaskSelf-controlled walletLavaHybrid custody
MetaMask Card uses a self-controlled wallet setup, while Lava 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 PayLavaCard format not disclosed · Apple Pay, Google Pay
MetaMask Card lists more card formats and phone-wallet options (4 vs 2).
- Money movement
- MetaMask5 stablecoins · Stablecoin transfersLava3 stablecoins · Stablecoin transfers; Lava account bank withdrawal
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
- Up to 5%
- Plan cost
- $0
- FX fee
- 0% provider FX fee
- ATM fee
- 2%; min $1
- Card formats
- Not disclosed
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 3 crypto · 1 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 CardOverall76Lava CardOverall62
MetaMask CardOverall76Lava CardOverall62Scores
6 fields- Overall Score
- MetaMask Card76Lava Card62
- Cashback score
- MetaMask Card49Lava Card36
- Travel score
- MetaMask Card91Lava Card46
- Funds control score
- MetaMask Card87Lava Card56
- Lowest fees score
- MetaMask Card82Lava Card59
- Transfers score
- MetaMask Card59Lava Card80
Strengths & trade-offs
2 fields- Strengths
- MetaMask CardSpend enabled MetaMask wallet assets, Self-custody spend modelLava CardNo provider card FX fee, BTC rewards at selected partners
- Trade-offs
- MetaMask CardToken and network support is restricted, Fees can offset cashbackLava CardCard access remains unclear, USD settlement is custodial
Costs
7 fields- Plan cost
- MetaMask Card$0Lava Card$0
- FX fee
- MetaMask Card0–1%Lava Card0% provider FX fee
- Top-up fee
- MetaMask Card0%Lava CardNo added Lava funding markup. Banks and payment providers may charge; the FAQ lists 1.25% same-day ACH and $25 domestic wire. Regular ACH, SEPA and SPEI are listed as free where eligible. The fee recipient is not specified
- Card spending fee
- MetaMask CardNot disclosedLava CardNot disclosed
- ATM fee
- MetaMask Card0–2%Lava Card2%; min $1
- Virtual card
- MetaMask CardUp to 1 free virtual cards by tierLava CardNot disclosed
- Physical card
- MetaMask CardMetal tier $199/year; orders temporarily paused as of June 2, 2026Lava CardNot disclosed
Plans
2 fields- Available plans
- MetaMask Card2 plans: Virtual, MetalLava CardNot disclosed
- Top cashback plan
- MetaMask CardMetal: 3%Lava CardNot disclosed
Everyday use
8 fields- Network
- MetaMask CardMastercardLava CardVisa
- Card formats
- MetaMask CardVirtual, PhysicalLava CardNot disclosed
- ATM withdrawals
- MetaMask CardAvailableLava CardNot disclosed
- Mobile wallets
- MetaMask CardApple Pay, Google PayLava CardApple Pay, Google Pay
- Apps
- MetaMask CardiOS, Android, WebLava CardiOS, Android, Web
- Daily spending limit
- MetaMask CardNot disclosedLava CardAccount-specific and collateral-dependent; universal daily amount not disclosed.
- Monthly spending limit
- MetaMask CardNot disclosedLava CardAccount-specific; universal monthly amount not disclosed.
- ATM limit
- MetaMask CardLimits shown in appLava CardAccess is conditional; withdrawal limits not disclosed.
Funding & transfers
5 fields- Networks
- MetaMask CardLinea, Solana, Base, MonadLava CardSolana, Ethereum, Arbitrum, Avalanche, Base, Celo +4
- Crypto deposits
- MetaMask CardNot disclosedLava CardStablecoins: USDC, USDT, PYUSD
- Fiat deposits
- MetaMask CardNot disclosedLava CardLava account bank funding
- Transfers
- MetaMask CardStablecoin transfersLava CardStablecoin transfers; Lava account bank withdrawal
- Payout currencies
- MetaMask CardNot disclosedLava CardUSD, EUR
Rewards
3 fields- Base cashback
- MetaMask Card1%Lava CardNot disclosed
- Max cashback
- MetaMask Card3%Lava Card5%
- Reward currency
- MetaMask CardmUSD cashbackLava CardBTC
Earn
5 fields- Advertised APY
- MetaMask CardUp to 6% APYLava CardUp to 6.5% APY
- How it works
- MetaMask CardEarn on spending balance, Optional earn vaultLava CardOptional earn vault
- Separate deposit
- MetaMask CardYesLava CardYes
- Use balance for spending
- MetaMask CardYesLava CardNo
- Lock-up
- MetaMask CardNoLava CardNo
Trust & availability
4 fields- Custody
- MetaMask CardSelf-custodyLava CardHybrid custody
- Control until payment
- MetaMask CardYou keep controlLava CardProvider controls funds
- Card issuer
- MetaMask CardCross River BankLava CardThird National
- Identity verification
- MetaMask CardCrypto LifeLava CardNot disclosed
Sources
2 fields- Official sources
- MetaMask Card12Lava Card28
- Last reviewed
- MetaMask CardAug 12, 2026Lava CardOct 6, 2026
04 · The trade-off
MetaMask Card is the stronger all-round choice
MetaMask Card finishes ahead with an Overall Score of 76 versus 62 for Lava Card. Lava Card has the lower published FX fee (0% provider FX fee vs 0–1%). The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below.
Lava 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 Lava Card uses a hybrid custody 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 Lava Card reviews first.
Continue with
MetaMask Card
Continue with
Lava Card
05 · Common questions
MetaMask vs Lava FAQ
Is MetaMask or Lava better overall?
MetaMask Card has the higher Overall Score (76 vs 62). 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 Lava?
Lava Card has the lower published FX fee (0% provider FX fee 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 Lava?
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 Lava differ on custody?
MetaMask Card uses a self-controlled wallet setup, while Lava 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 Lava comparison?
The latest information check for these two cards was October 6, 2026, using 40 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.