MetaMaskMetaMask
76
Side-by-side card comparison
MetaMask vs Uphold US: overall score versus use-case fit
MetaMask Card has the higher Overall Score by 6 points (76 vs 70). MetaMask Card looks stronger for Travel, Funds control, and Lowest fees, while Uphold Card US comes out ahead for Cashback and Transfers.
Information checked Oct 14, 202625 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. Uphold Card US may be the better fit for Cashback 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.
OverallMetaMask76Uphold US70Higher score
CashbackMetaMask49Uphold US75Higher score
TravelMetaMask91Uphold US71Higher score
Funds controlMetaMask87Uphold US44Higher score
Lowest feesMetaMask82Uphold US56Higher score
TransfersMetaMask59Uphold US65Higher score
Choose MetaMask Card if travel and funds control matter most
MetaMask Card comes out ahead for 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 Uphold Card US if cashback and transfers matter most
Uphold Card US 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.
- Essential has no annual fee
- Apple Pay and Google Pay
- Elite raises spending limits
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
- MetaMask76Uphold US70
MetaMask Card has the higher Overall Score by 6 points.
- Entry cost & FX
- MetaMask$0 plan · 0–1% FXUphold US$0 plan · 0–1.5% FX
MetaMask Card has the lower published FX fee (0–1% vs 0–1.5%).
- Purchase rewards
- MetaMask1% base · up to 3%Uphold US2% base · up to 4%
Uphold Card US has the higher published base cashback rate (2% vs 1%).
- Funds control
- MetaMaskSelf-controlled walletUphold USCustodial balance
MetaMask Card uses a self-controlled wallet setup, while Uphold Card US 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 PayUphold USVirtual + Physical · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- MetaMask5 stablecoins · Stablecoin transfersUphold US0 stablecoins · US bank withdrawal
MetaMask Card lists more stablecoins and ways to send money out (5 vs 2).
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
- 2%-4%
- Plan cost
- $0
- FX fee
- 0–1.5%
- ATM fee
- Essential: $2.95; Elite: $0
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 0 crypto · 3 fiat
- Payout methods
- 0 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 CardOverall76Uphold Card USOverall70
MetaMask CardOverall76Uphold Card USOverall70Scores
6 fields- Overall Score
- MetaMask Card76Uphold Card US70
- Cashback score
- MetaMask Card49Uphold Card US75
- Travel score
- MetaMask Card91Uphold Card US71
- Funds control score
- MetaMask Card87Uphold Card US44
- Lowest fees score
- MetaMask Card82Uphold Card US56
- Transfers score
- MetaMask Card59Uphold Card US65
Strengths & trade-offs
2 fields- Strengths
- MetaMask CardSpend enabled MetaMask wallet assets, Self-custody spend modelUphold Card USEssential has no annual fee, Apple Pay and Google Pay
- Trade-offs
- MetaMask CardToken and network support is restricted, Fees can offset cashbackUphold Card USAsset sales can reduce rewards, Rewards have a disputed time window
Costs
7 fields- Plan cost
- MetaMask Card$0Uphold Card US$0
- FX fee
- MetaMask Card0–1%Uphold Card US0–1.5%
- Top-up fee
- MetaMask Card0%Uphold Card USACH: no deposit fee; external card: 3.99%
- Card spending fee
- MetaMask CardNot disclosedUphold Card USNot disclosed
- ATM fee
- MetaMask Card0–2%Uphold Card USEssential: $2.95; Elite: $0
- Virtual card
- MetaMask CardUp to 1 free virtual cards by tierUphold Card USFree on both plans
- Physical card
- MetaMask CardMetal tier $199/year; orders temporarily paused as of June 2, 2026Uphold Card USEssential: $4.99 plastic; Elite: metal included in $99.99 annual plan
Plans
2 fields- Available plans
- MetaMask Card2 plans: Virtual, MetalUphold Card US2 plans: Essential, Elite
- Top cashback plan
- MetaMask CardMetal: 3%Uphold Card USElite: 3%
Everyday use
8 fields- Network
- MetaMask CardMastercardUphold Card USVisa
- Card formats
- MetaMask CardVirtual, PhysicalUphold Card USVirtual, Physical
- ATM withdrawals
- MetaMask CardAvailableUphold Card USAvailable
- Mobile wallets
- MetaMask CardApple Pay, Google PayUphold Card USApple Pay, Google Pay
- Apps
- MetaMask CardiOS, Android, WebUphold Card USiOS, Android
- Daily spending limit
- MetaMask CardNot disclosedUphold Card USEssential: $2,500/day; Elite: $25,000/day
- Monthly spending limit
- MetaMask CardNot disclosedUphold Card USEssential: $10,000/month; Elite: $100,000/month
- ATM limit
- MetaMask CardLimits shown in appUphold Card USEssential: $500/day, $2,000/month; Elite: $2,000/day, $10,000/month
Funding & transfers
5 fields- Networks
- MetaMask CardLinea, Solana, Base, MonadUphold Card USNot disclosed
- Crypto deposits
- MetaMask CardNot disclosedUphold Card USNot disclosed
- Fiat deposits
- MetaMask CardNot disclosedUphold Card USLinked US bank account, USD bank transfer, External card deposit
- Transfers
- MetaMask CardStablecoin transfersUphold Card USUS bank withdrawal
- Payout currencies
- MetaMask CardNot disclosedUphold Card USUSD
Rewards
3 fields- Base cashback
- MetaMask Card1%Uphold Card US2%
- Max cashback
- MetaMask Card3%Uphold Card US4%
- Reward currency
- MetaMask CardmUSD cashbackUphold Card USXRP
Earn
5 fields- Advertised APY
- MetaMask CardUp to 6% APYUphold Card USNot offered
- How it works
- MetaMask CardEarn on spending balance, Optional earn vaultUphold Card USNot offered
- Separate deposit
- MetaMask CardYesUphold Card USNot offered
- Use balance for spending
- MetaMask CardYesUphold Card USNot offered
- Lock-up
- MetaMask CardNoUphold Card USNot offered
Trust & availability
5 fields- Custody
- MetaMask CardSelf-custodyUphold Card USCustodial
- Control until payment
- MetaMask CardYou keep controlUphold Card USProvider controls funds
- Card issuer
- MetaMask CardCross River BankUphold Card USCross River Bank
- Custody / key management
- MetaMask CardNot disclosedUphold Card USUphold HQ Inc.
- Identity verification
- MetaMask CardCrypto LifeUphold Card USNot disclosed
Sources
2 fields- Official sources
- MetaMask Card12Uphold Card US13
- Last reviewed
- MetaMask CardAug 12, 2026Uphold Card USOct 14, 2026
04 · The trade-off
MetaMask Card is the stronger all-round choice
MetaMask Card finishes ahead with an Overall Score of 76 versus 70 for Uphold Card US. MetaMask Card has the lower published FX fee (0–1% vs 0–1.5%). Uphold Card US has the higher published base cashback rate (2% vs 1%).
Uphold Card US still comes out ahead for Cashback and 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 Uphold Card US 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 2). 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 Uphold Card US reviews first.
Continue with
MetaMask Card
Continue with
Uphold Card US
05 · Common questions
MetaMask vs Uphold US FAQ
Is MetaMask or Uphold US better overall?
MetaMask Card has the higher Overall Score (76 vs 70). 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 Uphold US?
MetaMask Card has the lower published FX fee (0–1% vs 0–1.5%). 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 Uphold US?
Uphold Card US has the higher published base cashback rate (2% vs 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 Uphold US differ on custody?
MetaMask Card uses a self-controlled wallet setup, while Uphold Card US 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 Uphold US comparison?
The latest information check for these two cards was October 14, 2026, using 25 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.