MetaMaskMetaMask
76
Side-by-side card comparison
MetaMask vs Tangem: overall score versus use-case fit
Tangem Card has the higher Overall Score by 1 point (77 vs 76). MetaMask Card looks stronger for Travel and Lowest fees, while Tangem Card comes out ahead for Cashback and Transfers.
Information checked Oct 11, 202632 official sources reviewed
01 · Overall score versus use-case fit
Tangem Card is the better all-round starting point
Tangem Card has the higher Overall Score in this comparison. MetaMask Card may be the better fit for Travel and Lowest fees. 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.
OverallMetaMask76Tangem77Higher score
CashbackMetaMask49Tangem73Higher score
TravelMetaMask91Tangem63Higher score
Funds controlMetaMask87Tangem87Same score
Lowest feesMetaMask82Tangem52Higher score
TransfersMetaMask59Tangem65Higher score
Choose MetaMask Card if travel and lowest fees matter most
MetaMask Card comes out ahead for 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 Tangem Card if cashback and transfers matter most
Tangem Card comes out ahead for Cashback and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Apple Pay and Google Pay
- Direct USDC funding on Polygon
- No monthly or standard 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
- MetaMask76Tangem77
Tangem Card has the higher Overall Score by 1 points.
- Entry cost & FX
- MetaMask$0 plan · 0–1% FXTangem$0 plan · Up to 3% legal cap; current fee unknown 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%Tangem1% base · up to 2%
Both cards show the same base cashback rate of 1%.
- Funds control
- MetaMaskSelf-controlled walletTangemHybrid custody
MetaMask Card uses a self-controlled wallet setup, while Tangem 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 PayTangemVirtual + Physical · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- MetaMask5 stablecoins · Stablecoin transfersTangem2 stablecoins · Stablecoin transfers
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
- 1%-2%
- Plan cost
- $0
- FX fee
- Up to 3% legal cap; current fee unknown
- ATM fee
- 2–4%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 2 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 CardOverall76Tangem CardOverall77
MetaMask CardOverall76Tangem CardOverall77Scores
6 fields- Overall Score
- MetaMask Card76Tangem Card77
- Cashback score
- MetaMask Card49Tangem Card73
- Travel score
- MetaMask Card91Tangem Card63
- Funds control score
- MetaMask Card87Tangem Card87
- Lowest fees score
- MetaMask Card82Tangem Card52
- Transfers score
- MetaMask Card59Tangem Card65
Strengths & trade-offs
2 fields- Strengths
- MetaMask CardSpend enabled MetaMask wallet assets, Self-custody spend modelTangem CardApple Pay and Google Pay, Direct USDC funding on Polygon
- Trade-offs
- MetaMask CardToken and network support is restricted, Fees can offset cashbackTangem CardCashback starts at a $30 purchase, ATM withdrawals cost 2%-4%
Costs
7 fields- Plan cost
- MetaMask Card$0Tangem Card$0
- FX fee
- MetaMask Card0–1%Tangem CardUp to 3% legal cap; current fee unknown
- Top-up fee
- MetaMask Card0%Tangem CardCrypto: no provider top-up fee. Bank: Basic ACH $1 / Fedwire $11; Plus free; third-party costs separate
- Card spending fee
- MetaMask CardNot disclosedTangem Card0%
- ATM fee
- MetaMask Card0–2%Tangem Card2–4%
- Virtual card
- MetaMask CardUp to 1 free virtual cards by tierTangem Card$0 for the first virtual card
- Physical card
- MetaMask CardMetal tier $199/year; orders temporarily paused as of June 2, 2026Tangem CardBasic: destination-dependent delivery $15.63–$63.45; Plus: first physical delivery free
Plans
2 fields- Available plans
- MetaMask Card2 plans: Virtual, MetalTangem Card2 plans: Basic, Plus
- Top cashback plan
- MetaMask CardMetal: 3%Tangem CardPlus: 2%
Everyday use
8 fields- Network
- MetaMask CardMastercardTangem CardVisa
- Card formats
- MetaMask CardVirtual, PhysicalTangem CardVirtual, Physical
- ATM withdrawals
- MetaMask CardAvailableTangem CardAvailable
- Mobile wallets
- MetaMask CardApple Pay, Google PayTangem CardApple Pay, Google Pay
- Apps
- MetaMask CardiOS, Android, WebTangem CardiOS, Android
- Daily spending limit
- MetaMask CardNot disclosedTangem CardBasic: up to $10,000 daily; Plus: up to $50,000 daily, subject to account controls
- Monthly spending limit
- MetaMask CardNot disclosedTangem CardNo current monthly POS amount is published; up to 1,000 POS transactions per month
- ATM limit
- MetaMask CardLimits shown in appTangem Card$250 per withdrawal; up to three withdrawals per 24 hours; eligible card and ATM required
Funding & transfers
5 fields- Networks
- MetaMask CardLinea, Solana, Base, MonadTangem CardPolygon, BNB Smart Chain, Base, Arbitrum
- Crypto deposits
- MetaMask CardNot disclosedTangem CardStablecoins: USDC, USDT
- Fiat deposits
- MetaMask CardNot disclosedTangem CardUSD ACH deposit, USD Fedwire deposit
- Transfers
- MetaMask CardStablecoin transfersTangem CardStablecoin transfers
- Payout currencies
- MetaMask CardNot disclosedTangem CardNot disclosed
Rewards
3 fields- Base cashback
- MetaMask Card1%Tangem Card1%
- Max cashback
- MetaMask Card3%Tangem Card2%
- Reward currency
- MetaMask CardmUSD cashbackTangem CardUSDC
Earn
5 fields- Advertised APY
- MetaMask CardUp to 6% APYTangem CardNot offered
- How it works
- MetaMask CardEarn on spending balance, Optional earn vaultTangem CardNot offered
- Separate deposit
- MetaMask CardYesTangem CardNot offered
- Use balance for spending
- MetaMask CardYesTangem CardNot offered
- Lock-up
- MetaMask CardNoTangem CardNot offered
Trust & availability
5 fields- Custody
- MetaMask CardSelf-custodyTangem CardHybrid custody
- Control until payment
- MetaMask CardYou keep controlTangem CardYou keep control
- Card issuer
- MetaMask CardCross River BankTangem CardThird National
- Card processing
- MetaMask CardNot disclosedTangem CardPaera LLC
- Identity verification
- MetaMask CardCrypto LifeTangem CardSumsub
Sources
2 fields- Official sources
- MetaMask Card12Tangem Card20
- Last reviewed
- MetaMask CardAug 12, 2026Tangem CardOct 11, 2026
04 · The trade-off
Tangem Card is the stronger all-round choice
Tangem Card finishes ahead with an Overall Score of 77 versus 76 for MetaMask Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Both cards show the same base cashback rate of 1%.
MetaMask Card still comes out ahead for Travel and Lowest fees, 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 Tangem 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 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 Tangem Card reviews first.
Continue with
MetaMask Card
Continue with
Tangem Card
05 · Common questions
MetaMask vs Tangem FAQ
Is MetaMask or Tangem better overall?
Tangem Card has the higher Overall Score (77 vs 76). 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 Tangem?
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 Tangem?
Both cards show the same base cashback rate of 1%. Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do MetaMask and Tangem differ on custody?
MetaMask Card uses a self-controlled wallet setup, while Tangem 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 Tangem comparison?
The latest information check for these two cards was October 11, 2026, using 32 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.