Quick answer. MetaMask Card is a debit crypto card on Mastercard from MetaMask (Consensys), issued on Mastercard. Rewards: Virtual: 1% mUSD back per transaction; Metal: 3% mUSD back on first $10,000 spend then 1%. Annual/issuance Virtual: free; Metal: $199/yr; No additional MetaMask fee (uses Mastercard's exchange rate) on foreign spend. Funds are self-custodial; it supports mUSD, wETH, EURe, GBPe, USDC, USDT. Available in 40+ countries incl. most EU, Canada, Latin America; Metal card available in the US; US and UK signups temporarily closed.
Key takeaways
- Network & type: Debit · Mastercard
- Rewards: Virtual: 1% mUSD back per transaction; Metal: 3% mUSD back on first $10,000 spend then 1%
- Annual fee: Virtual: free; Metal: $199/yr
- FX / spend fee: No additional MetaMask fee (uses Mastercard's exchange rate)
- Custody: Self-custodial
- Coins: mUSD, wETH, EURe, GBPe, USDC, USDT
Our rating, explained
Every card is scored on the same six factors — the weighting shows how much each counts toward the overall (provisional) score. How we rate →
Who it's for
Choose it if…
- You want no annual or monthly fee
- You spend enough for cashback to add up
- You want to keep custody of your funds until you spend
- You pay with Apple Pay or Google Pay
How it compares to the field
Put in context against all 67 crypto cards we track and verify.
Overview
The MetaMask Card is a crypto debit card issued by MetaMask, a product of Consensys, in partnership with Mastercard. It offers users the ability to spend their crypto assets directly from their self-custodial MetaMask wallet, providing a bridge between the decentralized finance (DeFi) ecosystem and traditional payment networks. The card is available in two tiers: a free Virtual card and a premium Metal card that comes with additional benefits but at a cost of $199 per year. As of now, the card is available in over 40 countries, including most of the EU, Canada, and Latin America, although US and UK signups are temporarily closed.
How it Works
The MetaMask Card operates on the Mastercard network, allowing users to make purchases anywhere Mastercard is accepted. The card supports a variety of cryptocurrencies, including mUSD, wETH, EURe, GBPe, USDC, and USDT, across several blockchain networks such as Linea, Base, Polygon, and Solana. Users can manage their card directly through the MetaMask wallet app, which supports both Apple Pay and Google Pay for added convenience.
One of the standout features of the MetaMask Card is its self-custodial nature. This means that users retain control of their private keys and, consequently, their funds until the moment of a transaction. This setup aligns with the ethos of decentralization and provides an additional layer of security, as users are not reliant on a third party to hold their assets.
Fees and Value
The MetaMask Card offers a straightforward fee structure. The Virtual card is available at no cost, making it an accessible option for users looking to dip their toes into crypto spending. The Metal card, on the other hand, comes with a $199 annual fee. In return, Metal cardholders receive a higher rewards rate: 3% mUSD back on the first $10,000 spent, which then drops to 1% thereafter, compared to the flat 1% mUSD back for Virtual cardholders.
When it comes to foreign exchange, MetaMask does not impose an additional fee, instead relying on Mastercard’s exchange rate. This can be a significant advantage for international travelers or those who frequently make cross-border transactions. However, it’s important to note that ATM fees are not specified, suggesting that users may incur charges from Mastercard or the ATM provider.
Who It’s For
The MetaMask Card is ideal for crypto enthusiasts who value self-custody and want to integrate their digital assets into their everyday spending. The card’s support for multiple cryptocurrencies and blockchain networks makes it a versatile option for those who actively participate in the DeFi space. The rewards program, particularly the higher rate for Metal cardholders, can be appealing for frequent spenders, although the $199 annual fee may be a deterrent for some.
Users who prioritize security and control over their funds will appreciate the self-custodial nature of the card. However, it’s crucial to understand the risks associated with self-custody, as losing access to your wallet could mean losing your assets. Additionally, the temporary closure of US and UK signups may limit the card’s accessibility for potential users in these regions.
Pros and Cons
- Pros:
- Self-custodial: users retain control of their tokens until payment.
- No additional MetaMask FX fee on international transactions.
- Supports Apple Pay and Google Pay.
- Cons:
- Metal tier costs $199 per year.
- US and UK signups are temporarily closed.
It’s important to consider the volatile nature of cryptocurrencies and the potential risks involved in using them for everyday transactions. While the MetaMask Card offers a convenient way to spend crypto, users should be aware of the market fluctuations and the implications they may have on their spending power.
VERDICT: The MetaMask Card is a versatile, self-custodial crypto debit card that offers flexibility and control, though its Metal tier fee and signup limitations may affect its appeal for some users.
Fees & costs
| Fee | Amount |
|---|---|
| Annual / issuance | Virtual: free; Metal: $199/yr |
| FX / spend fee | No additional MetaMask fee (uses Mastercard's exchange rate) |
| ATM withdrawal | — |
| Top-up / load | — |
| Staking / lockup | None |
Pros & cons
Pros
- Self-custodial: user keeps custody of tokens until the moment of payment (official)
- No additional MetaMask FX fee on international transactions
- Apple Pay and Google Pay supported
Cons
- Metal tier costs $199/year
- US and UK signups temporarily closed
Supported crypto
Coins:
Chains: