Mercuryo Card (Spend, compatible with Ledger) vs MetaMask Card
How does Mercuryo Card (Spend, compatible with Ledger) compare to MetaMask Card? A side-by-side look at fees, rewards, custody and availability.
Higher score: MetaMask Card · provisional, see how we rate
| Feature | Mercuryo Card (Spend, compatible with Ledger) | MetaMask Card |
|---|---|---|
| Our score | 7.4/10 | 8.5/10 |
| Type | Virtual | Debit |
| Networks | Mastercard | Mastercard |
| Rewards | None at launch (referral/cashback rewards announced as coming soon) | Virtual: 1% mUSD back per transaction; Metal: 3% mUSD back on first $10,000 spend then 1% |
| Annual fee | No issuance fee; €1/month maintenance only after 3 consecutive months of inactivity (waived on resuming use) | Virtual: free; Metal: $199/yr |
| FX fee | — | No additional MetaMask fee (uses Mastercard's exchange rate) |
| ATM fee | — | — |
| KYC | Full | — |
| Custody | Self-custodial | Self-custodial |
| Supported coins | Top up with BTC, ETH, USDC and stablecoins (more coming) | mUSD, wETH, EURe, GBPe, USDC, USDT |
| Availability | EEA only (initial launch) | 40+ countries incl. most EU, Canada, Latin America; Metal card available in the US; US and UK signups temporarily closed |
| Apple / Google Pay | Yes | Yes |
Choose Mercuryo Card if…
- You are based in the EEA, as Mercuryo Card is initially launching in this region.
- You prefer a card with no issuance fee and only a minimal maintenance fee of €1/month after 3 months of inactivity.
- You want a self-custodial solution that integrates with your Ledger wallet, allowing you to maintain control over your assets.
- You are interested in a card that supports top-ups with a variety of cryptocurrencies, including BTC, ETH, USDC, and stablecoins, with more options expected in the future.
- You are willing to wait for the introduction of rewards, as Mercuryo has announced that referral and cashback rewards are coming soon.
Choose MetaMask Card if…
- You are looking for a card that offers immediate rewards, with the Virtual card providing 1% mUSD back per transaction and the Metal card offering 3% mUSD back on the first $10,000 spent.
- You are interested in a card that supports a wide range of currencies, including mUSD, wETH, EURe, GBPe, USDC, and USDT, and operates on multiple blockchains such as Linea, Base, Arbitrum, and Solana.
- You are based in one of the 40+ countries where MetaMask Card is available, including most of the EU, Canada, and Latin America, with the Metal card option available in the US.
- You are willing to pay an annual fee of $199 for the premium Metal card to enjoy higher rewards and additional benefits.
- You prefer a card that uses Mastercard’s exchange rate without additional MetaMask fees for foreign exchange.
Bottom line
When deciding between the Mercuryo Card and the MetaMask Card, consider your geographical location, preference for rewards, and desired features. If you are in the EEA and value a self-custodial solution with minimal fees and potential for future rewards, the Mercuryo Card might be the better choice. On the other hand, if you are looking for immediate rewards, support for multiple currencies and chains, and are willing to pay an annual fee for higher benefits, the MetaMask Card could be more suitable. For more detailed insights on how we rate these cards, visit our rating methodology.