MetaMaskMetaMask
76
Side-by-side card comparison
MetaMask vs Payy: 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, and Lowest fees, while Payy Card comes out ahead for Funds control and Transfers.
Information checked Aug 12, 202617 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. Payy 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.
OverallMetaMask76Payy62Higher score
CashbackMetaMask49Payy17Higher score
TravelMetaMask91Payy27Higher score
Funds controlMetaMask87Payy97Higher score
Lowest feesMetaMask82Payy57Higher score
TransfersMetaMask59Payy68Higher 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 Payy Card if funds control and transfers matter most
Payy 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.
- Self-custody wallet control
- No monthly or transaction fee
- Instant virtual Visa with phone wallets
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
- MetaMask76Payy62
MetaMask Card has the higher Overall Score by 14 points.
- Entry cost & FX
- MetaMask$0 plan · 0–1% FXPayy$0 plan · 1–3% FX
MetaMask Card has the lower published FX fee (0–1% vs 1–3%).
- Purchase rewards
- MetaMask1% base · up to 3%Payy0% cashback
MetaMask Card has the higher published base cashback rate (1% vs 0%).
- Funds control
- MetaMaskSelf-controlled walletPayySelf-controlled wallet
MetaMask Card and Payy Card use the same self-controlled wallet setup.
- Everyday access
- MetaMaskVirtual + Physical · Apple Pay, Google PayPayyVirtual · Apple Pay, Google Pay
MetaMask Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- MetaMask5 stablecoins · Stablecoin transfersPayy1 stablecoin · Stablecoin transfers; Payy payment links
MetaMask Card lists more stablecoins and ways to send money out (5 vs 3).
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%
- Plan cost
- $0
- FX fee
- 1–3%
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 1 fiat
- Payout methods
- 1 crypto · 0 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 CardOverall76Payy CardOverall62
MetaMask CardOverall76Payy CardOverall62Scores
6 fields- Overall Score
- MetaMask Card76Payy Card62
- Cashback score
- MetaMask Card49Payy Card17
- Travel score
- MetaMask Card91Payy Card27
- Funds control score
- MetaMask Card87Payy Card97
- Lowest fees score
- MetaMask Card82Payy Card57
- Transfers score
- MetaMask Card59Payy Card68
Strengths & trade-offs
2 fields- Strengths
- MetaMask CardSpend enabled MetaMask wallet assets, Self-custody spend modelPayy CardSelf-custody wallet control, No monthly or transaction fee
- Trade-offs
- MetaMask CardToken and network support is restricted, Fees can offset cashbackPayy CardFX can reach 3%, Cash and physical access are constrained
Costs
7 fields- Plan cost
- MetaMask Card$0Payy Card$0
- FX fee
- MetaMask Card0–1%Payy Card1–3%
- Top-up fee
- MetaMask Card0%Payy Card0%
- Card spending fee
- MetaMask CardNot disclosedPayy Card0%
- ATM fee
- MetaMask Card0–2%Payy CardNot available
- Virtual card
- MetaMask CardUp to 1 free virtual cards by tierPayy CardFree; instant after KYC
- Physical card
- MetaMask CardMetal tier $199/year; orders temporarily paused as of June 2, 2026Payy CardNot disclosed
Plans
2 fields- Available plans
- MetaMask Card2 plans: Virtual, MetalPayy CardNot disclosed
- Top cashback plan
- MetaMask CardMetal: 3%Payy CardNot disclosed
Everyday use
8 fields- Network
- MetaMask CardMastercardPayy CardVisa/Other network
- Card formats
- MetaMask CardVirtual, PhysicalPayy CardVirtual
- ATM withdrawals
- MetaMask CardAvailablePayy CardNot available
- Mobile wallets
- MetaMask CardApple Pay, Google PayPayy CardApple Pay, Google Pay
- Apps
- MetaMask CardiOS, Android, WebPayy CardiOS, Android
- Daily spending limit
- MetaMask CardNot disclosedPayy CardNot disclosed
- Monthly spending limit
- MetaMask CardNot disclosedPayy CardNot disclosed
- ATM limit
- MetaMask CardLimits shown in appPayy CardNot disclosed
Funding & transfers
5 fields- Networks
- MetaMask CardLinea, Solana, Base, MonadPayy CardPolygon, Payy Network
- Crypto deposits
- MetaMask CardNot disclosedPayy CardStablecoins: USDC
- Fiat deposits
- MetaMask CardNot disclosedPayy CardBank-account deposit
- Transfers
- MetaMask CardStablecoin transfersPayy CardStablecoin transfers; Payy payment links
- Payout currencies
- MetaMask CardNot disclosedPayy CardNot disclosed
Rewards
3 fields- Base cashback
- MetaMask Card1%Payy Card0%
- Max cashback
- MetaMask Card3%Payy Card0%
- Reward currency
- MetaMask CardmUSD cashbackPayy CardNo cashback
Earn
5 fields- Advertised APY
- MetaMask CardUp to 6% APYPayy CardNot offered
- How it works
- MetaMask CardEarn on spending balance, Optional earn vaultPayy CardNot offered
- Separate deposit
- MetaMask CardYesPayy CardNot offered
- Use balance for spending
- MetaMask CardYesPayy CardNot offered
- Lock-up
- MetaMask CardNoPayy CardNot offered
Trust & availability
5 fields- Custody
- MetaMask CardSelf-custodyPayy CardSelf-custody
- Control until payment
- MetaMask CardYou keep controlPayy CardYou keep control
- Card issuer
- MetaMask CardCross River BankPayy CardThird National / Rain
- Card processing
- MetaMask CardNot disclosedPayy CardRain
- Identity verification
- MetaMask CardCrypto LifePayy CardNot disclosed
Sources
2 fields- Official sources
- MetaMask Card12Payy Card5
- Last reviewed
- MetaMask CardAug 12, 2026Payy CardAug 5, 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 Payy Card. MetaMask Card has the lower published FX fee (0–1% vs 1–3%). MetaMask Card has the higher published base cashback rate (1% vs 0%).
Payy 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 Payy Card use the same self-controlled wallet setup.
MetaMask Card lists more stablecoins and ways to send money out (5 vs 3). 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 Payy Card reviews first.
Continue with
MetaMask Card
Continue with
Payy Card
05 · Common questions
MetaMask vs Payy FAQ
Is MetaMask or Payy 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 Payy?
MetaMask Card has the lower published FX fee (0–1% vs 1–3%). 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 Payy?
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 Payy differ on custody?
MetaMask Card and Payy Card use the same self-controlled wallet setup.
How current is this MetaMask vs Payy comparison?
The latest information check for these two cards was August 12, 2026, using 17 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.