Coinbase Card vs MetaMask Card
How does Coinbase Card 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 | Coinbase Card | MetaMask Card |
|---|---|---|
| Our score | 6.8/10 | 8.5/10 |
| Type | Debit | Debit |
| Networks | Visa | Mastercard |
| Rewards | Optional crypto rewards on purchases, US card users only, variable reward rate (no fixed rate stated) | Virtual: 1% mUSD back per transaction; Metal: 3% mUSD back on first $10,000 spend then 1% |
| Annual fee | $0 (no annual fee) | Virtual: free; Metal: $199/yr |
| FX fee | — | No additional MetaMask fee (uses Mastercard's exchange rate) |
| ATM fee | — | — |
| KYC | Full | — |
| Custody | Custodial | Self-custodial |
| Supported coins | Spend USD and crypto held on Coinbase (incl. USDC) with no spending fee; crypto auto-converts to USD at point of sale | mUSD, wETH, EURe, GBPe, USDC, USDT |
| Availability | US (all states except Hawaii) | 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 |
Coinbase Card and MetaMask Card are two distinct debit card options for crypto users, each with unique features and limitations. The Coinbase Card is a Visa debit card available exclusively in the US (excluding Hawaii), while the MetaMask Card, issued on Mastercard, has a broader international reach but with some restrictions on US and UK signups. Both cards offer the convenience of spending crypto and fiat, but they differ significantly in terms of custody, rewards, and fees.
Choose Coinbase Card if…
- You are a US resident (excluding Hawaii) looking for a debit card that allows you to spend USD and crypto held on Coinbase without any spending fees.
- You prefer a card with no annual fee and no application fee or credit check.
- You want the flexibility to use Apple Pay and Google Pay with your card.
- You are comfortable with the card auto-converting your crypto to USD at the point of sale, even though this may trigger a taxable event.
- You are interested in optional crypto rewards, albeit at a variable rate, and are based in the US.
Choose MetaMask Card if…
- You value self-custody and want to keep control of your tokens until the moment of payment.
- You are based in one of the 40+ supported countries, including most of the EU, Canada, and Latin America, and are not in the US or UK, where signups are temporarily closed.
- You are interested in earning mUSD back on your transactions, with the Metal tier offering 3% back on the first $10,000 spent.
- You are willing to pay a $199 annual fee for the Metal tier, which offers higher rewards and additional benefits.
- You prefer using a card that supports a variety of stablecoins and tokens, including mUSD, wETH, EURe, GBPe, USDC, and USDT.
- You want to use a card that leverages Mastercard’s exchange rate without additional MetaMask fees on international transactions.
Bottom line
Your choice between the Coinbase Card and the MetaMask Card will largely depend on your geographic location, custody preferences, and reward expectations. If you are a US resident seeking a straightforward, fee-free card with optional rewards, the Coinbase Card is a strong option. However, if you prioritize self-custody, international usability, and higher rewards through the Metal tier, the MetaMask Card might be more suitable, provided you are willing to pay the annual fee. For more detailed insights on how we rate crypto cards, visit our rating methodology.