MetaMaskMetaMask
76
Side-by-side card comparison
MetaMask vs Spritz: 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, Funds control, and Lowest fees, while Spritz Card comes out ahead for Transfers.
Information checked Aug 28, 202653 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. Spritz Card may be the better fit for 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.
OverallMetaMask76Spritz62Higher score
CashbackMetaMask49Spritz34Higher score
TravelMetaMask91Spritz46Higher score
Funds controlMetaMask87Spritz62Higher score
Lowest feesMetaMask82Spritz44Higher score
TransfersMetaMask59Spritz64Higher score
Choose MetaMask Card if cashback and travel matter most
MetaMask Card comes out ahead for Cashback, Travel, Funds control, 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 Spritz Card if transfers matters most
Spritz Card comes out ahead for Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Direct crypto card top-up
- Both major phone wallets
- 154-country virtual access
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
- MetaMask76Spritz62
MetaMask Card has the higher Overall Score by 14 points.
- Entry cost & FX
- MetaMask$0 plan · 0–1% FXSpritz$0 plan · Exact Spritz markup not disclosed; local exchange and conversion rates may apply 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%Spritz0% base · up to 5%
MetaMask Card has the higher published base cashback rate (1% vs 0%).
- Funds control
- MetaMaskSelf-controlled walletSpritzHybrid custody
MetaMask Card uses a self-controlled wallet setup, while Spritz Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- MetaMaskVirtual + Physical · Apple Pay, Google PaySpritzVirtual + Physical · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- MetaMask5 stablecoins · Stablecoin transfersSpritz0 stablecoins · Wallet-to-bank Off-Ramp
MetaMask Card lists more stablecoins and ways to send money out (5 vs 1).
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%-5%
- Plan cost
- $0
- FX fee
- Exact Spritz markup not disclosed; local exchange and conversion rates may apply
- ATM fee
- Not disclosed
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 0 crypto · 4 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 CardOverall76Spritz CardOverall62
MetaMask CardOverall76Spritz CardOverall62Scores
6 fields- Overall Score
- MetaMask Card76Spritz Card62
- Cashback score
- MetaMask Card49Spritz Card34
- Travel score
- MetaMask Card91Spritz Card46
- Funds control score
- MetaMask Card87Spritz Card62
- Lowest fees score
- MetaMask Card82Spritz Card44
- Transfers score
- MetaMask Card59Spritz Card64
Strengths & trade-offs
2 fields- Strengths
- MetaMask CardSpend enabled MetaMask wallet assets, Self-custody spend modelSpritz CardDirect crypto card top-up, Both major phone wallets
- Trade-offs
- MetaMask CardToken and network support is restricted, Fees can offset cashbackSpritz CardATM use is not verified, Top-up fees vary by route
Costs
7 fields- Plan cost
- MetaMask Card$0Spritz Card$0
- FX fee
- MetaMask Card0–1%Spritz CardExact Spritz markup not disclosed; local exchange and conversion rates may apply
- Top-up fee
- MetaMask Card0%Spritz Card1–3%
- Card spending fee
- MetaMask CardNot disclosedSpritz Card0%
- ATM fee
- MetaMask Card0–2%Spritz CardNot disclosed
- Virtual card
- MetaMask CardUp to 1 free virtual cards by tierSpritz CardNot disclosed
- Physical card
- MetaMask CardMetal tier $199/year; orders temporarily paused as of June 2, 2026Spritz CardNot disclosed
Plans
2 fields- Available plans
- MetaMask Card2 plans: Virtual, MetalSpritz CardNot disclosed
- Top cashback plan
- MetaMask CardMetal: 3%Spritz CardNot disclosed
Everyday use
8 fields- Network
- MetaMask CardMastercardSpritz CardVisa
- Card formats
- MetaMask CardVirtual, PhysicalSpritz CardVirtual, Physical
- ATM withdrawals
- MetaMask CardAvailableSpritz CardNot disclosed
- Mobile wallets
- MetaMask CardApple Pay, Google PaySpritz CardApple Pay, Google Pay
- Apps
- MetaMask CardiOS, Android, WebSpritz CardiOS
- Daily spending limit
- MetaMask CardNot disclosedSpritz CardNo provider-published daily spend cap
- Monthly spending limit
- MetaMask CardNot disclosedSpritz CardNot disclosed
- ATM limit
- MetaMask CardLimits shown in appSpritz CardNot verified for the current no-PIN card
Funding & transfers
5 fields- Networks
- MetaMask CardLinea, Solana, Base, MonadSpritz CardArbitrum, Avalanche, Base, Bitcoin, BNB Chain, Dash +6
- Crypto deposits
- MetaMask CardNot disclosedSpritz CardOther crypto: Crypto top-up
- Fiat deposits
- MetaMask CardNot disclosedSpritz CardNot disclosed
- Transfers
- MetaMask CardStablecoin transfersSpritz CardWallet-to-bank Off-Ramp
- Payout currencies
- MetaMask CardNot disclosedSpritz CardUSD, CAD, GBP, EUR
Rewards
3 fields- Base cashback
- MetaMask Card1%Spritz Card0%
- Max cashback
- MetaMask Card3%Spritz Card5%
- Reward currency
- MetaMask CardmUSD cashbackSpritz CardSpritz Credits
Earn
5 fields- Advertised APY
- MetaMask CardUp to 6% APYSpritz CardNot offered
- How it works
- MetaMask CardEarn on spending balance, Optional earn vaultSpritz CardNot offered
- Separate deposit
- MetaMask CardYesSpritz CardNot offered
- Use balance for spending
- MetaMask CardYesSpritz CardNot offered
- Lock-up
- MetaMask CardNoSpritz CardNot offered
Trust & availability
5 fields- Custody
- MetaMask CardSelf-custodySpritz CardHybrid custody
- Control until payment
- MetaMask CardYou keep controlSpritz CardProvider controls funds
- Card issuer
- MetaMask CardCross River BankSpritz CardNot disclosed
- Card processing
- MetaMask CardNot disclosedSpritz CardRain
- Identity verification
- MetaMask CardCrypto LifeSpritz CardNot disclosed
Sources
2 fields- Official sources
- MetaMask Card12Spritz Card41
- Last reviewed
- MetaMask CardAug 12, 2026Spritz CardAug 28, 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 Spritz 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%).
Spritz Card still comes out ahead for Transfers, which may matter more than the overall result if that is how you plan to use the card. MetaMask Card uses a self-controlled wallet setup, while Spritz Card uses a hybrid custody 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 Spritz Card reviews first.
Continue with
MetaMask Card
Continue with
Spritz Card
05 · Common questions
MetaMask vs Spritz FAQ
Is MetaMask or Spritz 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 Spritz?
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 Spritz?
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 Spritz differ on custody?
MetaMask Card uses a self-controlled wallet setup, while Spritz Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this MetaMask vs Spritz comparison?
The latest information check for these two cards was August 28, 2026, using 53 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.