MetaMask Card
A self-custody Mastercard that pays cashback in mUSD. No yearly fee. Not offered in the US. No FX fee on US dollars. Other currencies cost 1%.
Short answer: At $2,000 a month in the EU, MetaMask Card costs $6.00 a month more than it pays back, after fees and FX. It advertises up to 1% cashback. We haven’t tested it with our own purchases yet.
Terms checked How we work it out
- Mastercard
- Debit
- Apple Pay and Google Pay
- Cashback in stablecoins
- Self-custody
- Free plan
- Subscription deals
- Earn on your balance
- Metal card
In US dollars. FX on EUR spending is included.
Count MetaMask Card's category bonuses
Part of your monthly spend. Leave blank if none.
−$6.00 a month
Advertised up to 1% , real cashback rate −0.3%, on the Virtual (Free) plan
$20.00 cashback$0.00 card fees$26.00 FX and other fees
Affiliate link: we may earn a commission if you sign up.
Pick a plan
- Pays the most
Virtual (Free)
Free, 1% on everything
- 4% off hotels booked through MetaMask Card Travel, on top of your normal cashback
−$6.00 a month, −0.3%
What you keep as spend grows
Hover the line to see other amounts.
Show as a table
| Monthly spend | What you keep | Plan |
|---|---|---|
| $250 | −0.3% | Virtual (Free) |
| $500 | −0.3% | Virtual (Free) |
| $750 | −0.3% | Virtual (Free) |
| $1,000 | −0.3% | Virtual (Free) |
| $1,500 | −0.3% | Virtual (Free) |
| $2,000 | −0.3% | Virtual (Free) |
| $2,500 | −0.3% | Virtual (Free) |
| $3,000 | −0.3% | Virtual (Free) |
| $4,000 | −0.3% | Virtual (Free) |
| $5,000 | −0.3% | Virtual (Free) |
| $6,000 | −0.3% | Virtual (Free) |
| $7,500 | −0.3% | Virtual (Free) |
| $10,000 | −0.3% | Virtual (Free) |
Every fee
There’s no yearly or monthly fee. Outside US dollars, spending costs 1.3%, Mastercard’s exchange rate included.
- Yearly fee
- None
- 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% in the US only; card users in other regions can't withdraw cash at ATMs (MetaMask FAQ)
- Card issue
- $0 (Virtual); Metal is $199/yr ($99 physical-card replacement)
- Monthly fee
- $0
Our own test
We're testing crypto cards with a week of everyday spending each from October and comparing what each card takes with the 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 . Where sources disagree, we go with the less generous reading.
- MetaMask help center: card limits and feesFee schedule
- MetaMask help center: card FAQHelp center
- MetaMask help center: card FAQsHelp center
- MetaMask Card pageOfficial site
- MetaMask support: Metal card (orders paused since 2 Jun 2026)Official site
What changed on this card
- Metal card orders pausedMetaMask paused orders for its $199 Metal card on 2 Jun 2026, and they are still paused. New cardholders can get the free Virtual card, which pays 1%.MetaMask support: Metal cardOffer ended
What's good and what to watch
Good
- Self-custodial: crypto stays in your wallet until purchase
- Apple Pay and Google Pay
- No staking needed for cashback
- Multi-chain settlement (Linea/Base/Solana/Monad)
Watch
- Cashback paid in mUSD (de-peg/liquidity risk; may need gas to use)
- US new sign-ups paused since 3 Jun 2026, and Metal card orders paused everywhere since 2 Jun 2026 (Virtual card only)
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)
- Not offered in
- Israel, Nigeria, South Africa, Turkey and United Arab Emirates
- KYC
- Required (Crypto Life)
- 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
- US only: 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. mUSD in MetaMask's Money Account earns up to 4% APY (the card page says up to 6%)
Compare it and read more
Compare MetaMask Card
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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, and crypto is volatile.
Affiliate link: we may earn a commission if you sign up.