MetaMaskMetaMask
76
Side-by-side card comparison
MetaMask vs XPlace: overall score versus use-case fit
MetaMask Card has the higher Overall Score by 8 points (76 vs 68). MetaMask Card looks stronger for Travel, Funds control, and Lowest fees, while XPlace Card comes out ahead for Transfers.
Information checked Aug 27, 202638 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. XPlace 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.
OverallMetaMask76XPlace68Higher score
CashbackMetaMask49XPlace49Same score
TravelMetaMask91XPlace61Higher score
Funds controlMetaMask87XPlace67Higher score
Lowest feesMetaMask82XPlace69Higher score
TransfersMetaMask59XPlace62Higher 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 XPlace Card if transfers matters most
XPlace 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.
- Two distinct USDC spending modes
- Tiered USDC cashback with published caps
- Phone wallets and non-custodial collateral
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
- MetaMask76XPlace68
MetaMask Card has the higher Overall Score by 8 points.
- Entry cost & FX
- MetaMask$0 plan · 0–1% FXXPlace$0 plan · 0–1% 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%XPlace0.5% base · up to 4%
MetaMask Card has the higher published base cashback rate (1% vs 0.5%).
- Funds control
- MetaMaskSelf-controlled walletXPlaceHybrid custody
MetaMask Card uses a self-controlled wallet setup, while XPlace 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 PayXPlaceVirtual + Physical · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- MetaMask5 stablecoins · Stablecoin transfersXPlace2 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
- 0.5%-4%
- Plan cost
- $0
- FX fee
- 0–1%
- ATM fee
- Not available
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 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 CardOverall76XPlace CardOverall68
MetaMask CardOverall76XPlace CardOverall68Scores
6 fields- Overall Score
- MetaMask Card76XPlace Card68
- Cashback score
- MetaMask Card49XPlace Card49
- Travel score
- MetaMask Card91XPlace Card61
- Funds control score
- MetaMask Card87XPlace Card67
- Lowest fees score
- MetaMask Card82XPlace Card69
- Transfers score
- MetaMask Card59XPlace Card62
Strengths & trade-offs
2 fields- Strengths
- MetaMask CardSpend enabled MetaMask wallet assets, Self-custody spend modelXPlace CardTwo distinct USDC spending modes, Tiered USDC cashback with published caps
- Trade-offs
- MetaMask CardToken and network support is restricted, Fees can offset cashbackXPlace CardNo live physical card or ATM access, Higher tiers cost more and FX has layers
Costs
7 fields- Plan cost
- MetaMask Card$0XPlace Card$0
- FX fee
- MetaMask Card0–1%XPlace Card0–1%
- Top-up fee
- MetaMask Card0%XPlace CardProvider fee not published; external network or bridge costs may apply and are not card fees
- Card spending fee
- MetaMask CardNot disclosedXPlace Card0%
- ATM fee
- MetaMask Card0–2%XPlace CardNot available
- Virtual card
- MetaMask CardUp to 1 free virtual cards by tierXPlace CardNot disclosed
- Physical card
- MetaMask CardMetal tier $199/year; orders temporarily paused as of June 2, 2026XPlace CardSilver physical card: $99 with courier delivery included; estimated delivery 3-12 days. Other tier pricing remains unclear.
Plans
2 fields- Available plans
- MetaMask Card2 plans: Virtual, MetalXPlace Card4 plans: Basic, Silver, Gold, Platinum
- Top cashback plan
- MetaMask CardMetal: 3%XPlace CardPlatinum: 2%
Everyday use
8 fields- Network
- MetaMask CardMastercardXPlace CardVisa
- Card formats
- MetaMask CardVirtual, PhysicalXPlace CardVirtual, Physical
- ATM withdrawals
- MetaMask CardAvailableXPlace CardNot available
- Mobile wallets
- MetaMask CardApple Pay, Google PayXPlace CardApple Pay, Google Pay
- Apps
- MetaMask CardiOS, Android, WebXPlace CardiOS, Android
- Daily spending limit
- MetaMask CardNot disclosedXPlace CardNo provider-set daily amount published; users can set their own daily, weekly and monthly controls
- Monthly spending limit
- MetaMask CardNot disclosedXPlace CardBasic $2,000; Silver $10,000; Gold $50,000; Platinum $750,000 per month
- ATM limit
- MetaMask CardLimits shown in appXPlace CardNot available while only the virtual card is live
Funding & transfers
5 fields- Networks
- MetaMask CardLinea, Solana, Base, MonadXPlace CardSolana
- Crypto deposits
- MetaMask CardNot disclosedXPlace CardStablecoins: USDC
- Fiat deposits
- MetaMask CardNot disclosedXPlace CardNot disclosed
- Transfers
- MetaMask CardStablecoin transfersXPlace CardStablecoin transfers
- Payout currencies
- MetaMask CardNot disclosedXPlace CardNot disclosed
Rewards
3 fields- Base cashback
- MetaMask Card1%XPlace Card0.5%
- Max cashback
- MetaMask Card3%XPlace Card4%
- Reward currency
- MetaMask CardmUSD cashbackXPlace CardUSDC
Earn
5 fields- Advertised APY
- MetaMask CardUp to 6% APYXPlace CardUp to 6.15% APY
- How it works
- MetaMask CardEarn on spending balance, Optional earn vaultXPlace CardBorrow against collateral, Optional earn vault
- Separate deposit
- MetaMask CardYesXPlace CardYes
- Use balance for spending
- MetaMask CardYesXPlace CardNo
- Lock-up
- MetaMask CardNoXPlace CardNo
Trust & availability
5 fields- Custody
- MetaMask CardSelf-custodyXPlace CardHybrid custody
- Control until payment
- MetaMask CardYou keep controlXPlace CardProvider controls funds
- Card issuer
- MetaMask CardCross River BankXPlace CardThird National
- Card processing
- MetaMask CardNot disclosedXPlace CardSignify Holdings, Inc. (Rain)
- Identity verification
- MetaMask CardCrypto LifeXPlace CardSumsub
Sources
2 fields- Official sources
- MetaMask Card12XPlace Card26
- Last reviewed
- MetaMask CardAug 12, 2026XPlace CardAug 27, 2026
04 · The trade-off
MetaMask Card is the stronger all-round choice
MetaMask Card finishes ahead with an Overall Score of 76 versus 68 for XPlace 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 0.5%).
XPlace 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 XPlace 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 XPlace Card reviews first.
Continue with
MetaMask Card
Continue with
XPlace Card
05 · Common questions
MetaMask vs XPlace FAQ
Is MetaMask or XPlace better overall?
MetaMask Card has the higher Overall Score (76 vs 68). 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 XPlace?
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 XPlace?
MetaMask Card has the higher published base cashback rate (1% vs 0.5%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do MetaMask and XPlace differ on custody?
MetaMask Card uses a self-controlled wallet setup, while XPlace 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 XPlace comparison?
The latest information check for these two cards was August 27, 2026, using 38 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.