MetaMaskMetaMask
76
Side-by-side card comparison
MetaMask vs Solayer Pay: fees, rewards and account setup
MetaMask Card has the higher Overall Score by 21 points (76 vs 55). MetaMask Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Solayer Pay Card may still be the better personal fit.
Information checked Aug 12, 202637 official sources reviewed
01 · Make the first cut
MetaMask Card is the better all-round starting point
MetaMask Card has the higher Overall Score in this comparison. Solayer Pay 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.
OverallMetaMask76Solayer Pay55Higher score
CashbackMetaMask49Solayer Pay20Higher score
TravelMetaMask91Solayer Pay53Higher score
Funds controlMetaMask87Solayer Pay47Higher score
Lowest feesMetaMask82Solayer Pay43Higher score
TransfersMetaMask59Solayer Pay29Higher score
Choose MetaMask Card if cashback and travel matter most
MetaMask Card comes out ahead for Cashback, Travel, Funds control, Lowest fees, and Transfers 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 Solayer Pay Card if its day-to-day setup suits you
Solayer Pay 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. The other card looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers, so compare that advantage with the features you would actually use.
- Virtual and physical Visa cards
- Spend USDC from Solana
- sUSD can earn while spendable
The differences that could change the result
The overall score points one way, but a specific use case or product condition may point another.
- Overall Score
- MetaMask76Solayer Pay55
MetaMask Card has the higher Overall Score by 21 points.
- Entry cost & FX
- MetaMask$0 plan · 0–1% FXSolayer Pay$20/year plan · Up to 3% stated + $0.10; components may stack FX
MetaMask Card has the lower starting plan cost ($0 vs $20/year).
- Purchase rewards
- MetaMask1% base · up to 3%Solayer Pay0% base
MetaMask Card has the higher published base cashback rate (1% vs 0%).
- Funds control
- MetaMaskSelf-controlled walletSolayer PayCustodial balance
MetaMask Card uses a self-controlled wallet setup, while Solayer Pay 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 PaySolayer PayVirtual + Physical · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- MetaMask5 stablecoins · Stablecoin transfersSolayer Pay1 stablecoin · Not modeled
MetaMask Card lists more stablecoins and ways to send money out (5 vs 1).
02 · Read the shortlist
A closer look at the two cards
These quick facts cover the costs, rewards and everyday features most likely to shape your choice. Use the full table below when you want the finer details.
- 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% base
- Plan cost
- $20/year
- FX fee
- Up to 3% stated + $0.10; components may stack
- ATM fee
- Not disclosed
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 0 crypto · 0 fiat
03 · Compare the details
Compare the details side by side
We highlight a better number only when both cards publish values that can be compared fairly. Anything missing stays clearly marked.
Best known Not disclosed
CardsMetaMask CardOverall76Solayer Pay CardOverall55
MetaMask CardOverall76Solayer Pay CardOverall55Scores
6 fields- Overall Score
- MetaMask Card76Solayer Pay Card55
- Cashback score
- MetaMask Card49Solayer Pay Card20
- Travel score
- MetaMask Card91Solayer Pay Card53
- Funds control score
- MetaMask Card87Solayer Pay Card47
- Lowest fees score
- MetaMask Card82Solayer Pay Card43
- Transfers score
- MetaMask Card59Solayer Pay Card29
Strengths & trade-offs
2 fields- Strengths
- MetaMask CardSpend enabled MetaMask wallet assets, Self-custody spend modelSolayer Pay CardVirtual and physical Visa cards, Spend USDC from Solana
- Trade-offs
- MetaMask CardToken and network support is restricted, Fees can offset cashbackSolayer Pay CardPurchases earn Emerald Points, FX costs vary by region
Costs
7 fields- Plan cost
- MetaMask Card$0Solayer Pay Card$20/year
- FX fee
- MetaMask Card0–1%Solayer Pay CardUp to 3% stated + $0.10; components may stack
- Top-up fee
- MetaMask Card0%Solayer Pay Card1%
- Card spending fee
- MetaMask CardNot disclosedSolayer Pay Card$0.15
- ATM fee
- MetaMask Card0–2%Solayer Pay CardNot disclosed
- Virtual card
- MetaMask CardUp to 1 free virtual cards by tierSolayer Pay Card$0 virtual card; included with the $20/year Solayer Pay base plan
- Physical card
- MetaMask CardMetal tier $199/year; orders temporarily paused as of June 2, 2026Solayer Pay CardFree card; US Express shipping $24.99 or International Express shipping $59.99
Plans
2 fields- Available plans
- MetaMask Card2 plans: Virtual, MetalSolayer Pay Card1 plans: Solayer Pay
- Top cashback plan
- MetaMask CardMetal: 3%Solayer Pay CardNot disclosed
Everyday use
8 fields- Network
- MetaMask CardMastercardSolayer Pay CardVisa
- Card formats
- MetaMask CardVirtual, PhysicalSolayer Pay CardVirtual, Physical
- ATM withdrawals
- MetaMask CardAvailableSolayer Pay CardAvailable
- Mobile wallets
- MetaMask CardApple Pay, Google PaySolayer Pay CardApple Pay, Google Pay
- Apps
- MetaMask CardiOS, Android, WebSolayer Pay CardiOS, Android
- Daily spending limit
- MetaMask CardNot disclosedSolayer Pay CardShown in app
- Monthly spending limit
- MetaMask CardNot disclosedSolayer Pay CardShown in app
- ATM limit
- MetaMask CardLimits shown in appSolayer Pay CardLimits shown in app
Funding & transfers
5 fields- Networks
- MetaMask CardLinea, Solana, Base, MonadSolayer Pay CardSolana
- Crypto deposits
- MetaMask CardNot disclosedSolayer Pay CardStablecoins: USDC
- Fiat deposits
- MetaMask CardNot disclosedSolayer Pay CardNot disclosed
- Transfers
- MetaMask CardStablecoin transfersSolayer Pay CardNot disclosed
- Payout currencies
- MetaMask CardNot disclosedSolayer Pay CardNot disclosed
Rewards
3 fields- Base cashback
- MetaMask Card1%Solayer Pay Card0%
- Max cashback
- MetaMask Card3%Solayer Pay CardNot disclosed
- Reward currency
- MetaMask CardmUSD cashbackSolayer Pay CardEmerald Points
Earn
5 fields- Advertised APY
- MetaMask CardUp to 6% APYSolayer Pay CardUp to 3.5% APY
- How it works
- MetaMask CardEarn on spending balance, Optional earn vaultSolayer Pay CardEarn on spending balance
- Separate deposit
- MetaMask CardYesSolayer Pay CardNo
- Use balance for spending
- MetaMask CardYesSolayer Pay CardYes
- Lock-up
- MetaMask CardNoSolayer Pay CardNo
Trust & availability
5 fields- Custody
- MetaMask CardSelf-custodySolayer Pay CardCustodial
- Control until payment
- MetaMask CardYou keep controlSolayer Pay CardProvider controls funds
- Card issuer
- MetaMask CardCross River BankSolayer Pay CardThird National
- Identity verification
- MetaMask CardCrypto LifeSolayer Pay CardSumsub
- Programme operator
- MetaMask CardNot disclosedSolayer Pay CardSolayer Labs, Inc.
Sources
2 fields- Official sources
- MetaMask Card12Solayer Pay Card25
- Last reviewed
- MetaMask CardAug 12, 2026Solayer Pay CardAug 12, 2026
04 · The takeaway
MetaMask Card is the stronger all-round choice
MetaMask Card finishes ahead with an Overall Score of 76 versus 55 for Solayer Pay Card. MetaMask Card has the lower starting plan cost ($0 vs $20/year). MetaMask Card has the higher published base cashback rate (1% vs 0%).
Solayer Pay 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 Solayer Pay 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 1). 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 Solayer Pay Card reviews first.
Continue with
MetaMask Card
Continue with
Solayer Pay Card
05 · Common questions
MetaMask vs Solayer Pay FAQ
Is MetaMask or Solayer Pay better overall?
MetaMask Card has the higher Overall Score (76 vs 55). 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 Solayer Pay?
MetaMask Card has the lower starting plan cost ($0 vs $20/year). 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 Solayer Pay?
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 Solayer Pay differ on custody?
MetaMask Card uses a self-controlled wallet setup, while Solayer Pay 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 Solayer Pay comparison?
The latest information check for these two cards was August 12, 2026, using 37 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.