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MetaMask Card

by Consensys (MetaMask) via Baanx / Crypto Life · Updated 2026-06-28

Get my MetaMask Card
Marketed: 3.0%Your effective cashback: 1.0% ($50/mo) at $5,000/mo on the Metal plan
Cashback earned on your spend
$833 spent × 3.0%
3.0% applies to the first $833/mo of spend
$25/mo
$4,167 spent × 1.0%
1.0% on the rest of your spend (no cap)
$42/mo
Gross cashback per month
sum of the bands above, before fees
$67/mo
Annual cashback
$67/mo × 12 months
$800/yr
Fees subtracted (first-year view)
Annual membership fee
recurring cost to hold this plan
−$199/yr
Net cashback after fees
annual cashback minus all fees
$601/yr
Effective cashback rate
net ÷ your annual spend (1.0%)
1.0%

Based on your monthly spend, edit it on the home page.

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
UK, EU/EEA, Canada, LatAm (broad), Non-EEA Europe (CH/Gibraltar/Monaco/Andorra/Channel Islands), US (new signups paused 2026-06-03)
KYC
Required (Baanx)
Extra rewards
Possible airdrop · 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)

Pros

  • 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)

Cons

  • 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)

Cashback plans

Fees

FX markup
1% cross-border (Virtual); 0% (Metal, subject to fair usage)
ATM
2% (Metal waives first $1,200/mo, then 2%)
Spending (crypto→USD)
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
Funding / top-up
$0 (settled from wallet)
Issuance
$0 (Virtual); Metal is $199/yr ($99 physical-card replacement)
Monthly
$0

Perks & benefits

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We may earn a commission if you sign up through our links, but it never affects our rankings or the cashback math.

Sources & how we verify this

Researched June 2026; verify terms before publishing. 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.

Card terms are researched and illustrative, so always confirm the latest with the issuer. Nothing here is financial advice.

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