MetaMaskMetaMask
76
Side-by-side card comparison
MetaMask vs Whop: overall score versus use-case fit
MetaMask Card has the higher Overall Score by 9 points (76 vs 67). MetaMask Card looks stronger for Cashback, Travel, Funds control, and Lowest fees, while Whop Card comes out ahead for Transfers.
Information checked Aug 12, 202632 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. Whop 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.
OverallMetaMask76Whop67Higher score
CashbackMetaMask49Whop39Higher score
TravelMetaMask91Whop57Higher score
Funds controlMetaMask87Whop74Higher score
Lowest feesMetaMask82Whop56Higher score
TransfersMetaMask59Whop92Higher 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 Whop Card if transfers matters most
Whop 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.
- Spend Whop revenue before bank payout
- Five percent in three business categories
- Team controls and phone-wallet support
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
- MetaMask76Whop67
MetaMask Card has the higher Overall Score by 9 points.
- Entry cost & FX
- MetaMask$0 plan · 0–1% FXWhopNot verified plan · 1% FX and 1% cross-border are separate contractual layers; universal stacking is not confirmed 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%Whop0% base · up to 5%
MetaMask Card has the higher published base cashback rate (1% vs 0%).
- Funds control
- MetaMaskSelf-controlled walletWhopHybrid custody
MetaMask Card uses a self-controlled wallet setup, while Whop 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 PayWhopVirtual + Physical · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- MetaMask5 stablecoins · Stablecoin transfersWhop2 stablecoins · Stablecoin transfers; Next-day ACH payout, Instant bank RTP payout, Venmo payout, Bank wire payout +1
Whop 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%-5%
- Plan cost
- Not disclosed
- FX fee
- 1% FX and 1% cross-border are separate contractual layers; universal stacking is not confirmed
- ATM fee
- ATM access, issuer fee and limit are not separately confirmed
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 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 CardOverall76Whop CardOverall67
MetaMask CardOverall76Whop CardOverall67Scores
6 fields- Overall Score
- MetaMask Card76Whop Card67
- Cashback score
- MetaMask Card49Whop Card39
- Travel score
- MetaMask Card91Whop Card57
- Funds control score
- MetaMask Card87Whop Card74
- Lowest fees score
- MetaMask Card82Whop Card56
- Transfers score
- MetaMask Card59Whop Card92
Strengths & trade-offs
2 fields- Strengths
- MetaMask CardSpend enabled MetaMask wallet assets, Self-custody spend modelWhop CardSpend Whop revenue before bank payout, Five percent in three business categories
- Trade-offs
- MetaMask CardToken and network support is restricted, Fees can offset cashbackWhop CardBusiness-only with strict country exclusions, Several costs and the foreign stack remain unclear
Costs
7 fields- Plan cost
- MetaMask Card$0Whop CardNot disclosed
- FX fee
- MetaMask Card0–1%Whop Card1% FX and 1% cross-border are separate contractual layers; universal stacking is not confirmed
- Top-up fee
- MetaMask Card0%Whop CardDirect card top-up fee unknown; a provider-account stored-payment-method top-up is 0%
- Card spending fee
- MetaMask CardNot disclosedWhop Card0%
- ATM fee
- MetaMask Card0–2%Whop CardATM access, issuer fee and limit are not separately confirmed
- Virtual card
- MetaMask CardUp to 1 free virtual cards by tierWhop CardNot disclosed
- Physical card
- MetaMask CardMetal tier $199/year; orders temporarily paused as of June 2, 2026Whop CardNot disclosed
Plans
2 fields- Available plans
- MetaMask Card2 plans: Virtual, MetalWhop CardNot disclosed
- Top cashback plan
- MetaMask CardMetal: 3%Whop CardNot disclosed
Everyday use
8 fields- Network
- MetaMask CardMastercardWhop CardVisa
- Card formats
- MetaMask CardVirtual, PhysicalWhop CardVirtual, Physical
- ATM withdrawals
- MetaMask CardAvailableWhop CardNot disclosed
- Mobile wallets
- MetaMask CardApple Pay, Google PayWhop CardApple Pay, Google Pay
- Apps
- MetaMask CardiOS, Android, WebWhop CardiOS, Android
- Daily spending limit
- MetaMask CardNot disclosedWhop CardDynamic and collateral-dependent; users can set per-card controls, but no universal provider amount is published
- Monthly spending limit
- MetaMask CardNot disclosedWhop CardDynamic and collateral-dependent; Whop or issuer can change the aggregate or per-card limit
- ATM limit
- MetaMask CardLimits shown in appWhop CardATM access and numeric withdrawal limits are unclear
Funding & transfers
5 fields- Networks
- MetaMask CardLinea, Solana, Base, MonadWhop CardEthereum, Polygon, Optimism, Arbitrum
- Crypto deposits
- MetaMask CardNot disclosedWhop CardStablecoins: USDT
- Fiat deposits
- MetaMask CardNot disclosedWhop CardStored payment method top-up, Dynamic bank deposit instructions
- Transfers
- MetaMask CardStablecoin transfersWhop CardStablecoin transfers; Next-day ACH payout, Instant bank RTP payout, Venmo payout, Bank wire payout +1
- Payout currencies
- MetaMask CardNot disclosedWhop CardUSD
Rewards
3 fields- Base cashback
- MetaMask Card1%Whop Card0%
- Max cashback
- MetaMask Card3%Whop Card5%
- Reward currency
- MetaMask CardmUSD cashbackWhop CardWhop account cash-back credit
Earn
5 fields- Advertised APY
- MetaMask CardUp to 6% APYWhop CardUp to 6% APY
- How it works
- MetaMask CardEarn on spending balance, Optional earn vaultWhop CardOptional earn vault
- Separate deposit
- MetaMask CardYesWhop CardNo
- Use balance for spending
- MetaMask CardYesWhop CardNot disclosed
- Lock-up
- MetaMask CardNoWhop CardNo
Trust & availability
5 fields- Custody
- MetaMask CardSelf-custodyWhop CardHybrid custody
- Control until payment
- MetaMask CardYou keep controlWhop CardProvider controls funds
- Card issuer
- MetaMask CardCross River BankWhop CardThird National
- Custody / key management
- MetaMask CardNot disclosedWhop CardPrivy
- Identity verification
- MetaMask CardCrypto LifeWhop CardNot disclosed
Sources
2 fields- Official sources
- MetaMask Card12Whop Card20
- Last reviewed
- MetaMask CardAug 12, 2026Whop CardAug 11, 2026
04 · The trade-off
MetaMask Card is the stronger all-round choice
MetaMask Card finishes ahead with an Overall Score of 76 versus 67 for Whop 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%).
Whop 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 Whop Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
Whop 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 Whop Card reviews first.
Continue with
MetaMask Card
Continue with
Whop Card
05 · Common questions
MetaMask vs Whop FAQ
Is MetaMask or Whop better overall?
MetaMask Card has the higher Overall Score (76 vs 67). 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 Whop?
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 Whop?
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 Whop differ on custody?
MetaMask Card uses a self-controlled wallet setup, while Whop 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 Whop comparison?
The latest information check for these two cards was August 12, 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.