MetaMaskMetaMask
76
Side-by-side card comparison
MetaMask vs Phantom: overall score versus use-case fit
MetaMask Card has the higher Overall Score by 17 points (76 vs 59). MetaMask Card looks stronger for Cashback, Travel, and Lowest fees, while Phantom Card comes out ahead for Funds control and Transfers.
Information checked Aug 12, 202626 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. Phantom 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.
OverallMetaMask76Phantom59Higher score
CashbackMetaMask49Phantom14Higher score
TravelMetaMask91Phantom25Higher score
Funds controlMetaMask87Phantom89Higher score
Lowest feesMetaMask82Phantom44Higher score
TransfersMetaMask59Phantom88Higher 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 Phantom Card if funds control and transfers matter most
Phantom 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 until settlement
- Apple Pay and Google Pay
- No US purchase fee
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
- MetaMask76Phantom59
MetaMask Card has the higher Overall Score by 17 points.
- Entry cost & FX
- MetaMask$0 plan · 0–1% FXPhantomNot verified plan · May apply; shown before confirmation 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%Phantom0% cashback
MetaMask Card has the higher published base cashback rate (1% vs 0%).
- Funds control
- MetaMaskSelf-controlled walletPhantomSelf-controlled wallet
MetaMask Card and Phantom Card use the same self-controlled wallet setup.
- Everyday access
- MetaMaskVirtual + Physical · Apple Pay, Google PayPhantomVirtual · Apple Pay, Google Pay
MetaMask Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- MetaMask5 stablecoins · Stablecoin transfersPhantom5 stablecoins · Stablecoin transfers; Standard ACH bank payout, Fast ACH bank payout
Phantom Card lists more stablecoins and ways to send money out (8 vs 5).
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
- Not disclosed
- FX fee
- May apply; shown before confirmation
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 4 crypto · 2 fiat
- Payout methods
- 1 crypto · 1 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 CardOverall76Phantom CardOverall59
MetaMask CardOverall76Phantom CardOverall59Scores
6 fields- Overall Score
- MetaMask Card76Phantom Card59
- Cashback score
- MetaMask Card49Phantom Card14
- Travel score
- MetaMask Card91Phantom Card25
- Funds control score
- MetaMask Card87Phantom Card89
- Lowest fees score
- MetaMask Card82Phantom Card44
- Transfers score
- MetaMask Card59Phantom Card88
Strengths & trade-offs
2 fields- Strengths
- MetaMask CardSpend enabled MetaMask wallet assets, Self-custody spend modelPhantom CardSelf-custody until settlement, Apple Pay and Google Pay
- Trade-offs
- MetaMask CardToken and network support is restricted, Fees can offset cashbackPhantom CardUS-only and virtual-only, No ATM; international fee unclear
Costs
7 fields- Plan cost
- MetaMask Card$0Phantom CardNot disclosed
- FX fee
- MetaMask Card0–1%Phantom CardMay apply; shown before confirmation
- Top-up fee
- MetaMask Card0%Phantom Card0.3–3.5%
- Card spending fee
- MetaMask CardNot disclosedPhantom Card0%
- ATM fee
- MetaMask Card0–2%Phantom CardNot available
- Virtual card
- MetaMask CardUp to 1 free virtual cards by tierPhantom CardFree virtual card
- Physical card
- MetaMask CardMetal tier $199/year; orders temporarily paused as of June 2, 2026Phantom CardNot available
Plans
2 fields- Available plans
- MetaMask Card2 plans: Virtual, MetalPhantom CardNot disclosed
- Top cashback plan
- MetaMask CardMetal: 3%Phantom CardNot disclosed
Everyday use
8 fields- Network
- MetaMask CardMastercardPhantom CardVisa
- Card formats
- MetaMask CardVirtual, PhysicalPhantom CardVirtual
- ATM withdrawals
- MetaMask CardAvailablePhantom CardNot available
- Mobile wallets
- MetaMask CardApple Pay, Google PayPhantom CardApple Pay, Google Pay
- Apps
- MetaMask CardiOS, Android, WebPhantom CardiOS, Android
- Daily spending limit
- MetaMask CardNot disclosedPhantom Card$2,000 default daily and per transaction; up to $5,000/day by support request
- Monthly spending limit
- MetaMask CardNot disclosedPhantom CardMonthly card-spend limit not published
- ATM limit
- MetaMask CardLimits shown in appPhantom CardNot available
Funding & transfers
5 fields- Networks
- MetaMask CardLinea, Solana, Base, MonadPhantom CardSolana
- Crypto deposits
- MetaMask CardNot disclosedPhantom CardStablecoins: USDC, USDT, USDG, PYUSD
- Fiat deposits
- MetaMask CardNot disclosedPhantom CardStripe card, Apple Pay, Google Pay or linked-bank deposit, ACH transfer or domestic wire
- Transfers
- MetaMask CardStablecoin transfersPhantom CardStablecoin transfers; Standard ACH bank payout, Fast ACH bank payout
- Payout currencies
- MetaMask CardNot disclosedPhantom CardUSD
Rewards
3 fields- Base cashback
- MetaMask Card1%Phantom Card0%
- Max cashback
- MetaMask Card3%Phantom Card0%
- Reward currency
- MetaMask CardmUSD cashbackPhantom CardNot applicable
Earn
5 fields- Advertised APY
- MetaMask CardUp to 6% APYPhantom CardNot disclosed
- How it works
- MetaMask CardEarn on spending balance, Optional earn vaultPhantom CardOptional earn vault
- Separate deposit
- MetaMask CardYesPhantom CardYes
- Use balance for spending
- MetaMask CardYesPhantom CardNo
- Lock-up
- MetaMask CardNoPhantom CardNot disclosed
Trust & availability
6 fields- Custody
- MetaMask CardSelf-custodyPhantom CardSelf-custody
- Control until payment
- MetaMask CardYou keep controlPhantom CardYou keep control
- Card issuer
- MetaMask CardCross River BankPhantom CardLead Bank
- Card processing
- MetaMask CardNot disclosedPhantom CardBridge Ventures LLC, Galileo
- Deposits & withdrawals
- MetaMask CardNot disclosedPhantom CardStripe
- Identity verification
- MetaMask CardCrypto LifePhantom CardLink
Sources
2 fields- Official sources
- MetaMask Card12Phantom Card14
- Last reviewed
- MetaMask CardAug 12, 2026Phantom 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 59 for Phantom 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%).
Phantom 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 Phantom Card use the same self-controlled wallet setup.
Phantom Card lists more stablecoins and ways to send money out (8 vs 5). 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 Phantom Card reviews first.
Continue with
MetaMask Card
Continue with
Phantom Card
05 · Common questions
MetaMask vs Phantom FAQ
Is MetaMask or Phantom better overall?
MetaMask Card has the higher Overall Score (76 vs 59). 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 Phantom?
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 Phantom?
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 Phantom differ on custody?
MetaMask Card and Phantom Card use the same self-controlled wallet setup.
How current is this MetaMask vs Phantom comparison?
The latest information check for these two cards was August 12, 2026, using 26 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.