MetaMaskMetaMask
76
Side-by-side card comparison
MetaMask vs ZEN: overall score versus use-case fit
ZEN Card has the higher Overall Score by 1 point (77 vs 76). MetaMask Card looks stronger for Cashback, Funds control, and Lowest fees, while ZEN Card comes out ahead for Travel and Transfers.
Information checked Aug 23, 202655 official sources reviewed
01 · Overall score versus use-case fit
ZEN Card is the better all-round starting point
ZEN Card has the higher Overall Score in this comparison. MetaMask Card may be the better fit for Cashback, Funds control, 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.
OverallMetaMask76ZEN77Higher score
CashbackMetaMask49ZEN39Higher score
TravelMetaMask91ZEN96Higher score
Funds controlMetaMask87ZEN65Higher score
Lowest feesMetaMask82ZEN80Higher score
TransfersMetaMask59ZEN98Higher 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 ZEN Card if travel and transfers matter most
ZEN Card comes out ahead for Travel and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Free plan with 0.5% weekday FX margin
- Physical, virtual and phone-wallet access
- Four current crypto-route assets
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
- MetaMask76ZEN77
ZEN Card has the higher Overall Score by 1 points.
- Entry cost & FX
- MetaMask$0 plan · 0–1% FXZEN$0 plan · 0–0.5% FX
ZEN Card has the lower published FX fee (0–0.5% vs 0–1%).
- Purchase rewards
- MetaMask1% base · up to 3%ZEN0% base
MetaMask Card has the higher published base cashback rate (1% vs 0%).
- Funds control
- MetaMaskSelf-controlled walletZENCustodial balance
MetaMask Card uses a self-controlled wallet setup, while ZEN 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 PayZENVirtual + Physical · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- MetaMask5 stablecoins · Stablecoin transfersZEN2 stablecoins · Stablecoin transfers; Card-to-card transfer; SEPA transfers
Both cards list the same number of stablecoins and ways to send money out.
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
77
- Cashback
- 0% base
- Plan cost
- $0
- FX fee
- 0–0.5%
- ATM fee
- 0–1.5%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 4 crypto · 2 fiat
- Payout methods
- 4 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 CardOverall76ZEN CardOverall77
MetaMask CardOverall76ZEN CardOverall77Scores
6 fields- Overall Score
- MetaMask Card76ZEN Card77
- Cashback score
- MetaMask Card49ZEN Card39
- Travel score
- MetaMask Card91ZEN Card96
- Funds control score
- MetaMask Card87ZEN Card65
- Lowest fees score
- MetaMask Card82ZEN Card80
- Transfers score
- MetaMask Card59ZEN Card98
Strengths & trade-offs
2 fields- Strengths
- MetaMask CardSpend enabled MetaMask wallet assets, Self-custody spend modelZEN CardFree plan with 0.5% weekday FX margin, Physical, virtual and phone-wallet access
- Trade-offs
- MetaMask CardToken and network support is restricted, Fees can offset cashbackZEN CardFree-plan ATM withdrawals cost 1.5%, No universal public cashback rate
Costs
7 fields- Plan cost
- MetaMask Card$0ZEN Card$0
- FX fee
- MetaMask Card0–1%ZEN Card0–0.5%
- Top-up fee
- MetaMask Card0%ZEN Card0–3%
- Card spending fee
- MetaMask CardNot disclosedZEN Card0%
- ATM fee
- MetaMask Card0–2%ZEN Card0–1.5%
- Virtual card
- MetaMask CardUp to 1 free virtual cards by tierZEN CardFree/Gold: 1 included; Platinum/Pro: 3 included; next card €5
- Physical card
- MetaMask CardMetal tier $199/year; orders temporarily paused as of June 2, 2026ZEN CardFree first card €10; Gold 1 included; Platinum/Pro 2 included; next card €10
Plans
2 fields- Available plans
- MetaMask Card2 plans: Virtual, MetalZEN Card4 plans: Free, Gold, Platinum, Pro
- Top cashback plan
- MetaMask CardMetal: 3%ZEN CardFree: 0%
Everyday use
8 fields- Network
- MetaMask CardMastercardZEN CardMastercard/Visa
- Card formats
- MetaMask CardVirtual, PhysicalZEN CardVirtual, Physical
- ATM withdrawals
- MetaMask CardAvailableZEN CardAvailable
- Mobile wallets
- MetaMask CardApple Pay, Google PayZEN CardApple Pay, Google Pay
- Apps
- MetaMask CardiOS, Android, WebZEN CardiOS, Android, Web
- Daily spending limit
- MetaMask CardNot disclosedZEN CardStandard €10,000/day; maximum €30,000/day (currency equivalents also published)
- Monthly spending limit
- MetaMask CardNot disclosedZEN CardNot publicly confirmed
- ATM limit
- MetaMask CardLimits shown in appZEN CardStandard €2,000/day; maximum €30,000/day (currency equivalents also published)
Funding & transfers
5 fields- Networks
- MetaMask CardLinea, Solana, Base, MonadZEN CardNot disclosed
- Crypto deposits
- MetaMask CardNot disclosedZEN CardStablecoins: USDT, USDC; Other crypto: BTC, ETH
- Fiat deposits
- MetaMask CardNot disclosedZEN CardSEPA bank transfer, Payment-card top-up
- Transfers
- MetaMask CardStablecoin transfersZEN CardStablecoin transfers; Card-to-card transfer; SEPA transfers
- Payout currencies
- MetaMask CardNot disclosedZEN CardEUR
Rewards
3 fields- Base cashback
- MetaMask Card1%ZEN Card0%
- Max cashback
- MetaMask Card3%ZEN CardNot disclosed
- Reward currency
- MetaMask CardmUSD cashbackZEN CardTransaction currency
Earn
5 fields- Advertised APY
- MetaMask CardUp to 6% APYZEN CardNot offered
- How it works
- MetaMask CardEarn on spending balance, Optional earn vaultZEN CardNot offered
- Separate deposit
- MetaMask CardYesZEN CardNot offered
- Use balance for spending
- MetaMask CardYesZEN CardNot offered
- Lock-up
- MetaMask CardNoZEN CardNot offered
Trust & availability
5 fields- Custody
- MetaMask CardSelf-custodyZEN CardCustodial
- Control until payment
- MetaMask CardYou keep controlZEN CardProvider controls funds
- Card issuer
- MetaMask CardCross River BankZEN CardUAB ZEN.COM
- Deposits & withdrawals
- MetaMask CardNot disclosedZEN CardTriple A Technologies Pte Ltd, Coreline Solutions LLC
- Identity verification
- MetaMask CardCrypto LifeZEN CardNot disclosed
Sources
2 fields- Official sources
- MetaMask Card12ZEN Card43
- Last reviewed
- MetaMask CardAug 12, 2026ZEN CardAug 23, 2026
04 · The trade-off
ZEN Card is the stronger all-round choice
ZEN Card finishes ahead with an Overall Score of 77 versus 76 for MetaMask Card. ZEN Card has the lower published FX fee (0–0.5% vs 0–1%). MetaMask Card has the higher published base cashback rate (1% vs 0%).
MetaMask Card still comes out ahead for Cashback, Funds control, 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 ZEN Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
Both cards list the same number of stablecoins and ways to send money out. 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 ZEN Card reviews first.
Continue with
MetaMask Card
Continue with
ZEN Card
05 · Common questions
MetaMask vs ZEN FAQ
Is MetaMask or ZEN better overall?
ZEN 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 ZEN?
ZEN Card has the lower published FX fee (0–0.5% vs 0–1%). 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 ZEN?
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 ZEN differ on custody?
MetaMask Card uses a self-controlled wallet setup, while ZEN 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 ZEN comparison?
The latest information check for these two cards was August 23, 2026, using 55 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.