MetaMaskMetaMask
76
Side-by-side card comparison
MetaMask vs Xapo: overall score versus use-case fit
MetaMask Card has the higher Overall Score by 6 points (76 vs 70). MetaMask Card looks stronger for Cashback, Funds control, and Lowest fees, while Xapo Card comes out ahead for Transfers.
Information checked Sep 1, 202633 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. Xapo 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.
OverallMetaMask76Xapo70Higher score
CashbackMetaMask49Xapo24Higher score
TravelMetaMask91Xapo91Same score
Funds controlMetaMask87Xapo63Higher score
Lowest feesMetaMask82Xapo77Higher score
TransfersMetaMask59Xapo100Higher score
Choose MetaMask Card if cashback and funds control matter most
MetaMask Card comes out ahead for Cashback, 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 Xapo Card if transfers matters most
Xapo 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.
- No Xapo FX markup
- Account-backed bank and crypto rails
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
- MetaMask76Xapo70
MetaMask Card has the higher Overall Score by 6 points.
- Entry cost & FX
- MetaMask$0 plan · 0–1% FXXapo$1,000/year plan · 0–0.29% FX
MetaMask Card has the lower starting plan cost ($0 vs $1,000/year).
- Purchase rewards
- MetaMask1% base · up to 3%Xapo0% base · up to 3%
MetaMask Card has the higher published base cashback rate (1% vs 0%).
- Funds control
- MetaMaskSelf-controlled walletXapoCustodial balance
MetaMask Card uses a self-controlled wallet setup, while Xapo 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 PayXapoVirtual + Physical · Unknown
MetaMask Card lists more card formats and phone-wallet options (4 vs 2).
- Money movement
- MetaMask5 stablecoins · Stablecoin transfersXapo2 stablecoins · Stablecoin transfers; SWIFT payout, SEPA payout, Faster Payments payout, ACH payout
Xapo 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%-3%
- Plan cost
- $1,000/year
- FX fee
- 0–0.29%
- ATM fee
- 0–2%
- Card formats
- Virtual, Physical
- Wallet payments
- Not disclosed
- Receive methods
- 3 crypto · 4 fiat
- Payout methods
- 3 crypto · 3 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 CardOverall76Xapo CardOverall70
MetaMask CardOverall76Xapo CardOverall70Scores
6 fields- Overall Score
- MetaMask Card76Xapo Card70
- Cashback score
- MetaMask Card49Xapo Card24
- Travel score
- MetaMask Card91Xapo Card91
- Funds control score
- MetaMask Card87Xapo Card63
- Lowest fees score
- MetaMask Card82Xapo Card77
- Transfers score
- MetaMask Card59Xapo Card100
Strengths & trade-offs
2 fields- Strengths
- MetaMask CardSpend enabled MetaMask wallet assets, Self-custody spend modelXapo CardNo Xapo FX markup, Account-backed bank and crypto rails
- Trade-offs
- MetaMask CardToken and network support is restricted, Fees can offset cashbackXapo Card$1,000 annual membership, Cashback is temporary and capped ambiguously
Costs
7 fields- Plan cost
- MetaMask Card$0Xapo Card$1,000/year
- FX fee
- MetaMask Card0–1%Xapo Card0–0.29%
- Top-up fee
- MetaMask Card0%Xapo CardNo direct card top-up; the Xapo Account balance funds card spending
- Card spending fee
- MetaMask CardNot disclosedXapo Card0%
- ATM fee
- MetaMask Card0–2%Xapo Card0–2%
- Virtual card
- MetaMask CardUp to 1 free virtual cards by tierXapo Card$0 in the Visa Europe programme; outside-Europe pricing not disclosed
- Physical card
- MetaMask CardMetal tier $199/year; orders temporarily paused as of June 2, 2026Xapo Card$0 for Metal; $0 for standard physical Visa Europe; other standard pricing not disclosed
Plans
2 fields- Available plans
- MetaMask Card2 plans: Virtual, MetalXapo Card1 plans: Xapo Bank membership
- Top cashback plan
- MetaMask CardMetal: 3%Xapo CardXapo Bank membership: 0%
Everyday use
8 fields- Network
- MetaMask CardMastercardXapo CardVisa/Mastercard
- Card formats
- MetaMask CardVirtual, PhysicalXapo CardVirtual, Physical
- ATM withdrawals
- MetaMask CardAvailableXapo CardAvailable
- Mobile wallets
- MetaMask CardApple Pay, Google PayXapo CardNot disclosed
- Apps
- MetaMask CardiOS, Android, WebXapo CardiOS, Android
- Daily spending limit
- MetaMask CardNot disclosedXapo Card$50,000 daily for point-of-sale and online purchases
- Monthly spending limit
- MetaMask CardNot disclosedXapo Card$250,000 monthly under the Visa Europe programme
- ATM limit
- MetaMask CardLimits shown in appXapo Card$2,000 daily; Visa Europe also lists $15,000 monthly
Funding & transfers
5 fields- Networks
- MetaMask CardLinea, Solana, Base, MonadXapo CardBitcoin, Lightning, Ethereum, Tron, Solana
- Crypto deposits
- MetaMask CardNot disclosedXapo CardStablecoins: USDC, USDT; Other crypto: BTC
- Fiat deposits
- MetaMask CardNot disclosedXapo CardSWIFT receive, ACH receive, SEPA receive, Faster Payments receive
- Transfers
- MetaMask CardStablecoin transfersXapo CardStablecoin transfers; SWIFT payout, SEPA payout, Faster Payments payout, ACH payout
- Payout currencies
- MetaMask CardNot disclosedXapo CardUSD, GBP, EUR
Rewards
3 fields- Base cashback
- MetaMask Card1%Xapo Card0%
- Max cashback
- MetaMask Card3%Xapo Card3%
- Reward currency
- MetaMask CardmUSD cashbackXapo CardBTC
Earn
5 fields- Advertised APY
- MetaMask CardUp to 6% APYXapo CardUp to 3.35% APY
- How it works
- MetaMask CardEarn on spending balance, Optional earn vaultXapo CardEarn on spending balance
- Separate deposit
- MetaMask CardYesXapo CardNo
- Use balance for spending
- MetaMask CardYesXapo CardYes
- Lock-up
- MetaMask CardNoXapo CardNo
Trust & availability
5 fields- Custody
- MetaMask CardSelf-custodyXapo CardCustodial
- Control until payment
- MetaMask CardYou keep controlXapo CardProvider controls funds
- Card issuer
- MetaMask CardCross River BankXapo CardTransact Payments Malta Limited
- Bank transfers
- MetaMask CardNot disclosedXapo CardXapo Bank Limited
- Identity verification
- MetaMask CardCrypto LifeXapo CardNot disclosed
Sources
2 fields- Official sources
- MetaMask Card12Xapo Card21
- Last reviewed
- MetaMask CardAug 12, 2026Xapo CardSep 1, 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 Xapo Card. MetaMask Card has the lower starting plan cost ($0 vs $1,000/year). MetaMask Card has the higher published base cashback rate (1% vs 0%).
Xapo 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 Xapo Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
Xapo 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 Xapo Card reviews first.
Continue with
MetaMask Card
Continue with
Xapo Card
05 · Common questions
MetaMask vs Xapo FAQ
Is MetaMask or Xapo 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 Xapo?
MetaMask Card has the lower starting plan cost ($0 vs $1,000/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 Xapo?
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 Xapo differ on custody?
MetaMask Card uses a self-controlled wallet setup, while Xapo 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 Xapo comparison?
The latest information check for these two cards was September 1, 2026, using 33 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.