MetaMaskMetaMask
76
Side-by-side card comparison
MetaMask vs MPChat
MetaMask Card has the higher Overall Score by 24 points (76 vs 52). MetaMask Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where MPChat Card may still be the better personal fit.
Latest check Nov 12, 202642 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.
MPChat Card
Best fit
- MPChat Pay users allocating USDT to a separate Visa spending balance.
- Choosing Cloud for online payments or Boundless for physical-card use.
- Occasional card use with a one-time issuance price and no monthly plan fee.
Before you choose
- Each purchase costs 0.8%, plus variable USDT conversion and any issuer FX.
- Cloud costs 10 USDT; Boundless costs 100 USDT and charges 2% for ATMs.
- The Web3 wallet cannot fund purchases directly; allocate funds from MPChat Pay.
Fees & features
Compare the details
CardsMetaMask CardOverall76MPChat CardOverall52
MetaMask CardOverall76MPChat CardOverall52Scores
- Overall Score
- MetaMask Card76MPChat Card52
- Cashback score
- MetaMask Card49MPChat Card18
- Travel score
- MetaMask Card91MPChat Card72
- Funds control score
- MetaMask Card87MPChat Card41
- Lowest fees score
- MetaMask Card82MPChat Card60
- Transfers score
- MetaMask Card59MPChat Card58
Costs
- Plan cost
- MetaMask Card$0MPChat Card$0
- FX fee
- MetaMask Card0–1%MPChat Card0% MPChat FX markup; Visa/issuer FX is passed through and varies by country and region. Purchase fees and USDT conversion costs are separate
- Top-up fee
- MetaMask Card0%MPChat CardUSDT on Tron (TRC20); minimum received 10 USDT; allocate Pay balance to card
- Card spending fee
- MetaMask CardNot disclosedMPChat Card$0.10 + 0.8%
- ATM fee
- MetaMask Card0–2%MPChat CardBoundless only: 2%, minimum $1; Cloud has no ATM access
- Virtual card
- MetaMask CardUp to 1 free virtual cards by tierMPChat CardCloud: 10 USDT one time
- Physical card
- MetaMask CardMetal tier $199/year; orders temporarily paused as of June 2, 2026MPChat CardBoundless: 100 USDT one time
Plans & rewards
- Available plans
- MetaMask Card2 plans: Virtual, MetalMPChat Card2 plans: Cloud Card, Boundless Card
- Top cashback plan
- MetaMask CardMetal: 3%MPChat CardNot disclosed
- Base cashback
- MetaMask Card1%MPChat CardNot disclosed
- Max cashback
- MetaMask Card3%MPChat CardNot disclosed
- Reward currency
- MetaMask CardmUSD cashbackMPChat CardNot disclosed
Everyday use
- Network
- MetaMask CardMastercardMPChat CardVisa
- Card formats
- MetaMask CardVirtual, PhysicalMPChat CardVirtual, Physical
- ATM withdrawals
- MetaMask CardAvailableMPChat CardAvailable
- Mobile wallets
- MetaMask CardApple Pay, Google PayMPChat CardGoogle Pay
- Apps
- MetaMask CardiOS, Android, WebMPChat CardNot disclosed
- Daily spending limit
- MetaMask CardNot disclosedMPChat CardUp to $250,000 and conservatively 50 purchases per day; app limits may be lower
- Monthly spending limit
- MetaMask CardNot disclosedMPChat CardUp to $1,000,000 per month; app limit may be lower
- ATM limit
- MetaMask CardLimits shown in appMPChat CardBoundless: up to $1,500 per withdrawal and day; $15,000 monthly
Funding & transfers
- Networks
- MetaMask CardLinea, Solana, Base, MonadMPChat CardTron (TRC20)
- Crypto deposits
- MetaMask CardNot disclosedMPChat CardStablecoins: USDT
- Fiat deposits
- MetaMask CardNot disclosedMPChat CardNot disclosed
- Transfers
- MetaMask CardStablecoin transfersMPChat CardStablecoin transfers
- Payout currencies
- MetaMask CardNot disclosedMPChat CardNot disclosed
Earn
- Advertised APY
- MetaMask CardUp to 6% APYMPChat CardNot offered
- How it works
- MetaMask CardEarn on spending balance, Optional earn vaultMPChat CardNot offered
- Separate deposit
- MetaMask CardYesMPChat CardNot offered
- Use balance for spending
- MetaMask CardYesMPChat CardNot offered
- Lock-up
- MetaMask CardNoMPChat CardNot offered
Trust & availability
- Custody
- MetaMask CardSelf-custodyMPChat CardCustodial
- Control until payment
- MetaMask CardYou keep controlMPChat CardProvider controls funds
- Card issuer
- MetaMask CardCross River BankMPChat CardNot disclosed
- Identity verification
- MetaMask CardCrypto LifeMPChat CardNot disclosed
Sign-up Offers
MetaMask Card
No active signup offer listed.
MPChat Card
Partner offer5 USDT after first virtual card approval
Complete application and card approval; the reward is credited to MPChat Pay after approval.
MPChat's friend-benefits page states 5 USDT after first virtual-card approval; one application guide uses 5 USD wording.
Offer details & conditions
Choosing between these cards
When to choose MetaMask or MPChat
Keeping control of your funds
MetaMask suits spending while retaining control of your funds until payment. With MPChat, control passes to the provider before the purchase.
Matching the card to your plans
MetaMask: Spending supported wallet tokens without preloading a card balance. MPChat: MPChat Pay users allocating USDT to a separate Visa spending balance.
Common questions
MetaMask vs MPChat FAQ
Is MetaMask or MPChat better overall?
MetaMask Card has the higher Overall Score (76 vs 52). 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 MPChat?
MPChat Card has the lower published FX fee (0% MPChat FX markup; Visa/issuer FX is passed through and varies by country and region. Purchase fees and USDT conversion costs are separate 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 MPChat?
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 MPChat differ on custody?
MetaMask Card uses a self-controlled wallet setup, while MPChat 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 MPChat comparison?
The latest information check for these two cards was November 12, 2026, using 42 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.