MetaMask Card
A self-custody Mastercard that pays cashback in mUSD. 2 plans, from free to $199 a year.
- Terms checked 28 Jun 2026
- Mastercard
- Debit
- Self-custody
- Apple Pay and Google Pay
- Cashback in stablecoins
- Free plan
- Subscription deals
- Earn on your balance
- Metal card
Count MetaMask Card's category bonuses
Part of your monthly spend. Leave blank if none.
Not offered to people in the US. Pick another country above to see what it pays there.
Not available in the US
Pick a plan
Virtual (Free)
Free, 1% on everything
- 4% off hotels booked through MetaMask Card Travel, on top of your normal cashback
$20.00 a month, 1.0%
- Highest at this spend
Metal
$199 a year, 3% on the first $833.33, then 1%
- 4% off hotels booked through MetaMask Card Travel, on top of your normal cashback
$20.08 a month, 1.0%
What you keep as spend grows
Hover the line to see other amounts.
Show as a table
| Monthly spend | What you keep | Plan |
|---|---|---|
| $250 | 1% | Virtual (Free) |
| $500 | 1% | Virtual (Free) |
| $750 | 1% | Virtual (Free) |
| $1,000 | 1.01% | Metal |
| $1,500 | 1.01% | Metal |
| $2,000 | 1% | Metal |
| $2,500 | 1% | Metal |
| $3,000 | 1% | Metal |
| $4,000 | 1% | Metal |
| $5,000 | 1% | Metal |
| $6,000 | 1% | Metal |
| $7,500 | 1% | Metal |
| $10,000 | 1% | Metal |
Every fee
- Yearly fee
- $199
- FX fee
- 1% cross-border (Virtual); 0% (Metal, subject to fair usage)
- Conversion fee
- Tiered conversion: matching-currency stablecoin free; non-matching stablecoin / DeFi tokens 0.5% (Metal free to $1,200/mo); other crypto (e.g. wETH) ~0.875%; + ~$0.01 Linea gas
- Topping up
- $0 (settled from wallet)
- ATM withdrawals
- 2% (Metal waives first $1,200/mo, then 2%)
- Card issue
- $0 (Virtual); Metal is $199/yr ($99 physical-card replacement)
- Monthly fee
- $0
Our own test
We're buying things with crypto cards in AUD, USD, EUR and GBP from October and comparing what each card takes with the mid-market rate. What this card actually charges will show here and in our Q4 report.
Where these numbers come from
MetaMask Card's published terms, checked 28 June 2026. Where sources disagree we use the less generous reading.
- MetaMask help centre: card limits and feesFee schedule
- MetaMask help centre: card FAQHelp centre
- MetaMask Card pageOfficial site
Our research notes
AVAILABILITY UPDATED 2026-09-27: the UK is removed from the regions where you can sign up. MetaMask's card page (metamask.io/card) says new sign-ups are temporarily closed in the US and the UK, and the UK no longer appears in its supported-territory list (Europe, UK Crown Dependencies, Canada, Latin America). Found in the 2026-09-12 re-check and confirmed again on 2026-09-27. MEDIUM-HIGH confidence (official page, read via search; the exact date the UK pause began is not published). CATEGORY BONUSES verified 2026-09-28 from official sources; see docs/research/cards/bonuses.md. AIRDROP SECTION RE-VERIFIED 2026-09-12: MetaMask's own support pages now state 'at this time, there are no plans for a $MASK token' and that Rewards 'Season 1 has ended, and there are no concrete plans for future seasons', so this card's airdrop profile was rewritten from 'token confirmed coming, H2 2026' to no-token-planned. Rewards continues only as occasional campaigns. PENDING for the next pass (see tasks/content-audit-2026-09-12.md): UK new sign-ups are now paused alongside the US; NY/TX residents can use Base as well as Linea; cashback auto-deposits to the new Money Account (Monad, up to 4% APY) rather than the Aave-wrapped stables described below; Bahrain/Oman were added; and Consensys announced in Sept 2026 that MetaMask is spinning out as its own company. The fee, rate and limit figures below were re-confirmed unchanged. ORIGINAL RESEARCH (June 2026): Cashback paid in mUSD (MetaMask's T-bill-backed stablecoin, issued by Bridge/Stripe; switched from USDC to mUSD Oct 2025). Metal's 3% cap is $10,000/YEAR, flattened to $833.33/mo (=10000/12) for this monthly model; the real cap is annual, so a heavy single month earns 3% beyond $833 until the yearly $10k is exhausted. Cashback rates, the annual cap basis, the $199 fee, FX, the $1,200/mo ATM waiver, mUSD payout, and 'no staking' are all confirmed HIGH against official MetaMask support pages. Separate MetaMask Rewards points program (1 pt/$1, redeemable for LINEA tokens / fee discounts, season-based) is NOT counted as cashback.
What's good and what to watch
Good
- Self-custodial: crypto stays in your wallet until purchase
- 0% FX on Metal
- Virtual + physical, Apple/Google Pay
- No staking required for cashback (Metal needs only the $199 fee)
- Multi-chain settlement (Linea/Base/Solana/Monad)
Watch
- Cashback paid in mUSD (de-peg/liquidity risk; may need gas to use)
- Metal 3% only on first $10k/YEAR, then 1%
- $199/yr needs high/international spend to pay off
- US new signups paused since 2026-06-03 (Metal orders paused 2026-06-02)
At a glance
- Network
- Mastercard
- Custody
- self-custodial
- Card type
- debit
- Form
- Physical & virtual
- Mobile wallets
- ✓ Apple Pay✓ Google Pay
- Chains
- LineaBaseSolanaMonad
- Tokens
- mUSDUSDCUSDTwETHEUReGBPeaUSDCamUSDaBasUSDC
- Availability
- EU/EEA, Canada, LatAm (broad), Non-EEA Europe (CH/Gibraltar/Monaco/Andorra/Channel Islands), UK (new signups paused, reported by Sept 2026), US (new signups paused 2026-06-03)
- KYC
- Required (Baanx)
- Extra rewards
- Unconfirmed token plans (not in the rate) · Points program
- Funding
- Self-custodial wallet (Linea/Base/Solana/Monad), settled per transaction
- Spending limit
- Virtual $15,000/day ($10,000/txn); Metal $30,000/day ($20,000/txn)
- ATM limit
- Virtual $1,000/day; Metal $5,000/day ($1,000/txn both tiers)
Perks and benefits
- Purchase protectionMastercard zero-fraud liability & dispute support only
- Offers & creditsMetal: ~7% travel cashback + hotel discounts; Blackbird dining rewards
- Idle-balance yieldSpend straight from your wallet. Hold Aave-wrapped stables (~4% on Base) until you spend
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General information only. These figures are calculated from the spend you enter and the card terms we've collected. We haven't considered your objectives, financial situation or needs, and this isn't a recommendation. Consider whether a card suits you and read the provider's terms before applying. Figures are estimates; terms change; crypto is volatile.
Affiliate link: we may earn a commission if you sign up.