MetaMaskMetaMask
76
Side-by-side card comparison
MetaMask vs MPChat: where the score gap comes from
MetaMask Card has the higher Overall Score by 24 points (76 vs 52). The available use-case scores do not point to a clear winner, so compare the fees, control of funds, card access and availability that matter to you.
Information checked Sep 23, 202642 official sources reviewed
01 · Where the gap opens
MetaMask Card is the better all-round starting point
MetaMask Card has the higher Overall Score in this comparison. MPChat Card may still suit you better if its card format, way of holding funds or availability is the deciding factor. 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.
OverallMetaMask76MPChat52Higher score
CashbackMetaMask49MPChat18Compare the details below
TravelMetaMask91MPChat72Compare the details below
Funds controlMetaMask87MPChat41Compare the details below
Lowest feesMetaMask82MPChat60Compare the details below
TransfersMetaMask59MPChat58Compare the details below
Choose MetaMask Card if its day-to-day setup suits you
MetaMask Card does not lead one of the use-case scores here, but it can still be the right choice when its costs, rewards and day-to-day setup match how you plan to use it. Read the side-by-side details before deciding.
- Spend enabled MetaMask wallet assets
- Self-custody spend model
- Free Virtual tier includes mUSD cashback
Choose MPChat Card if its day-to-day setup suits you
MPChat Card does not lead one of the use-case scores here, but it can still be the right choice when its costs, rewards and day-to-day setup match how you plan to use it. Read the side-by-side details before deciding.
- Virtual and physical options
- No monthly card fee
- USDT funding on Tron
What separates the two cards
The higher score is only the start. The rows below show which product differences create it.
- Overall Score
- MetaMask76MPChat52
MetaMask Card has the higher Overall Score by 24 points.
- Entry cost & FX
- MetaMask$0 plan · 0–1% FXMPChat$0 plan · 0% MPChat FX markup; 0% MPChat cross-border markup. Visa/issuer pass-through and effective USDT settlement cost unknown; purchase fee separate FX
MPChat Card has the lower published FX fee (0% MPChat FX markup; 0% MPChat cross-border markup. Visa/issuer pass-through and effective USDT settlement cost unknown; purchase fee separate vs 0–1%).
- Purchase rewards
- MetaMask1% base · up to 3%MPChatNot disclosed
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 walletMPChatCustodial balance
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.
- Everyday access
- MetaMaskVirtual + Physical · Apple Pay, Google PayMPChatVirtual + Physical · Google Pay
MetaMask Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- MetaMask5 stablecoins · Stablecoin transfersMPChat1 stablecoin · Stablecoin transfers
MetaMask Card lists more stablecoins and ways to send money out (5 vs 2).
02 · Read the shortlist
Why one card starts ahead
These quick facts cover the costs, rewards and everyday features behind the early lead.
- 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
- Not disclosed
- Plan cost
- $0
- FX fee
- 0% MPChat FX markup; 0% MPChat cross-border markup. Visa/issuer pass-through and effective USDT settlement cost unknown; purchase fee separate
- ATM fee
- Boundless only: 2%, minimum $1; Cloud has no ATM access
- Card formats
- Virtual, Physical
- Wallet payments
- Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 1 crypto · 0 fiat
Current signup offers
Signup value available today
A welcome offer can improve the value of your first months with a card. Check the eligibility rules, qualifying actions and deadline first. Signup offers are excluded from card scores.
MetaMask Card
No active signup offer listed
We do not currently list an active signup offer for this card.
MPChat Card
5 USDT after first virtual card approval
First virtual card referral reward
- Download MPChat through the referral link.
- Enter coupon ID 76912265 during activation of your first virtual card.
- Complete application and card approval; the reward is credited to MPChat Pay after approval.
Coupon ID76912265
MPChat's friend-benefits page states 5 USDT after first virtual-card approval; one application guide uses 5 USD wording.
Partner links may earn us a commission. Read our affiliate disclosure for how these links work.
03 · Compare the details
Test the lead, row by row
A better number is marked only when both providers publish values that can be compared fairly.
Best known Not disclosed
CardsMetaMask CardOverall76MPChat CardOverall52
MetaMask CardOverall76MPChat CardOverall52Scores
6 fields- 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
Strengths & trade-offs
2 fields- Strengths
- MetaMask CardSpend enabled MetaMask wallet assets, Self-custody spend modelMPChat CardVirtual and physical options, No monthly card fee
- Trade-offs
- MetaMask CardToken and network support is restricted, Fees can offset cashbackMPChat CardPurchase fee on each spend, Effective conversion cost unclear
Costs
7 fields- Plan cost
- MetaMask Card$0MPChat Card$0
- FX fee
- MetaMask Card0–1%MPChat Card0% MPChat FX markup; 0% MPChat cross-border markup. Visa/issuer pass-through and effective USDT settlement cost unknown; purchase fee 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$0.15 + 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
2 fields- Available plans
- MetaMask Card2 plans: Virtual, MetalMPChat Card2 plans: Cloud Card, Boundless Card
- Top cashback plan
- MetaMask CardMetal: 3%MPChat CardNot disclosed
Everyday use
8 fields- 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
5 fields- 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
Rewards
3 fields- Base cashback
- MetaMask Card1%MPChat CardNot disclosed
- Max cashback
- MetaMask Card3%MPChat CardNot disclosed
- Reward currency
- MetaMask CardmUSD cashbackMPChat CardNot disclosed
Earn
5 fields- 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
4 fields- 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
Sources
2 fields- Official sources
- MetaMask Card12MPChat Card30
- Last reviewed
- MetaMask CardAug 12, 2026MPChat CardSep 23, 2026
04 · The verdict
MetaMask Card is the stronger all-round choice
MetaMask Card finishes ahead with an Overall Score of 76 versus 52 for MPChat Card. MPChat Card has the lower published FX fee (0% MPChat FX markup; 0% MPChat cross-border markup. Visa/issuer pass-through and effective USDT settlement cost unknown; purchase fee separate 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.
MPChat Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. 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.
MetaMask Card lists more stablecoins and ways to send money out (5 vs 2). 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 MPChat Card reviews first.
Continue with
MetaMask Card
Continue with
MPChat Card
05 · 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; 0% MPChat cross-border markup. Visa/issuer pass-through and effective USDT settlement cost unknown; purchase fee 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 September 23, 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.