MetaMask Card vs Tangem Pay
Side by side at your spend: what each card pays back after fees and FX, where you can get it and what it includes.
Short answer: At $2,000 a month in other countries, MetaMask Card costs $6.00 a month more than it pays back and Tangem Pay costs $16.00 a month more than it pays back. MetaMask Card costs $10.00 a month less. At $500 a month, MetaMask Card costs $2.50 less. At $5,000 a month, Tangem Pay comes out $25.00 ahead. Only MetaMask Card is open to people in the EU and Canada. Only Tangem Pay is open to people in the US, Australia and most of Asia-Pacific.
Terms checked MetaMask Card , Tangem Pay How we work it out
In US dollars. FX on local spending is included.
MetaMask Card pays back $10.00 more a month than Tangem Pay at this spend.
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| Detail | MetaMask Card | Tangem Pay |
|---|---|---|
| Plan at this spend | Virtual (Free) | Basic |
| Paid in | mUSD | USDC |
| FX on your spend | 1.3% | 1.8% |
| Yearly fee | None | None |
| Network | Mastercard | Visa |
| Card type | Debit | Credit |
| Custody | Self-custody | Self-custody |
| Available in | EU, Canada, Elsewhere (not United Arab Emirates, Israel, Nigeria, Turkey, South Africa) | US, Australia, Asia-Pacific, Elsewhere (not Hong Kong, Indonesia, Israel, South Korea, Thailand, Turkey, Taiwan) |
| Perks | Discounts & offers, Earn yield, Metal card | Purchase protection, Earn yield |
MetaMask Card
Tangem PayFX marked measured is what we paid on our own purchases. The rest are worked out from each card's terms. How we work out FX
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.
MetaMask Card
- Self-custodial: crypto stays in your wallet until purchase
- Apple Pay and Google Pay
- No staking needed for cashback
- 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)
Tangem Pay
- 1% USDC cashback on Basic with no monthly fee
- 2% on Plus, with the $29.99 monthly fee waived at $4,500 of monthly spend
- Self-custodial: the card balance sits in a smart contract account you control
- 1.5% fee on every non-USD purchase, more than the 1% Basic cashback
- Purchases under $30 earn no cashback
More: other comparisons, every card at your spend, or the cashback list.