MetaMask Card vs Oobit
How does MetaMask Card compare to Oobit? A side-by-side look at fees, rewards, custody and availability.
Higher score: Oobit · provisional, see how we rate
Quick answer. MetaMask Card and Oobit are both crypto cards — here's how they differ. Key differences: network (MetaMask Card: Mastercard vs Oobit: Visa); annual fee (MetaMask Card: Virtual: free; Metal: $199/yr vs Oobit: None (card creation and holding free)). Our provisional scoring rates Oobit higher (8.7/10 vs 8.5/10), but the best pick depends on your country and how you spend.
| Feature | MetaMask Card | Oobit |
|---|---|---|
| Our score | 8.5/10 | 8.7/10 |
| Type | Debit | — |
| Networks | Mastercard | Visa |
| Rewards | Virtual: 1% mUSD back per transaction; Metal: 3% mUSD back on first $10,000 spend then 1% | Up to 10% cashback |
| Annual fee | Virtual: free; Metal: $199/yr | None (card creation and holding free) |
| FX fee | No additional MetaMask fee (uses Mastercard's exchange rate) | — |
| ATM fee | — | — |
| KYC | — | — |
| Custody | Self-custodial | Self-custodial |
| Supported coins | mUSD, wETH, EURe, GBPe, USDC, USDT | Bitcoin, USDT, Ethereum, Solana, Bitcoin Cash (and other stablecoins) |
| Availability | 40+ countries incl. most EU, Canada, Latin America; Metal card available in the US; US and UK signups temporarily closed | 100+ countries |
| Apple / Google Pay | Yes | Yes |
Which Crypto Card Should You Choose?
When deciding between the MetaMask Card and Oobit, consider your spending habits, preferred features, and geographic location. Both cards offer self-custodial options, allowing you to maintain control over your crypto assets, but they cater to different user needs in terms of rewards, fees, and availability.
Choose MetaMask Card if…
- You want a card with transparent international transaction fees: MetaMask Card uses Mastercard’s exchange rate without additional fees from MetaMask, making it a good choice for frequent international travelers.
- You prefer a tiered rewards system: The MetaMask Card offers 1% mUSD back on all transactions, with the Metal tier providing 3% back on the first $10,000 spent. This can be beneficial if you plan to spend significant amounts.
- You value self-custody and wallet integration: The MetaMask Card allows you to keep custody of your tokens until the moment of payment and supports wallet payments through Apple Pay and Google Pay.
- You are comfortable with a $199 annual fee for the Metal tier: If you opt for the Metal card, be prepared to pay a yearly fee, which is waived for the virtual card.
- You live in a supported country: Note that the Metal card is currently available in the US, but US and UK signups are temporarily closed.
Choose Oobit if…
- You prioritize cashback rewards: Oobit offers up to 10% cashback, which can be significantly higher than the rewards provided by the MetaMask Card, depending on your spending patterns.
- You want a card with no annual fees: Oobit does not charge for card creation or holding, making it a cost-effective option for those who want to avoid yearly fees.
- You prefer a Visa card with wide merchant acceptance: Oobit operates on the Visa network, giving you access to over 175 million merchants worldwide.
- You value flexibility with supported cryptocurrencies: Oobit supports a variety of cryptocurrencies, including Bitcoin, Ethereum, Solana, and stablecoins, offering more options for your crypto holdings.
- You live in a country where Oobit is available: Oobit is accessible in over 100 countries, providing broader geographic coverage compared to the MetaMask Card.
Bottom line
Your choice between the MetaMask Card and Oobit will depend on your specific needs and priorities. If you value transparent international transaction fees, a tiered rewards system, and are comfortable with an annual fee, the MetaMask Card might be the better option. On the other hand, if you prioritize high cashback rewards, no annual fees, and wider merchant acceptance, Oobit could be the more suitable choice. For more detailed comparisons, check out our rating criteria.