MetaMask Card vs Zeal Card
How does MetaMask Card compare to Zeal Card? A side-by-side look at fees, rewards, custody and availability.
Higher score: MetaMask Card · provisional, see how we rate
| Feature | MetaMask Card | Zeal Card |
|---|---|---|
| Our score | 8.5/10 | 8.3/10 |
| Type | Debit | Debit |
| Networks | Mastercard | Visa |
| Rewards | Virtual: 1% mUSD back per transaction; Metal: 3% mUSD back on first $10,000 spend then 1% | Up to 4% cashback (cashback managed by Gnosis Pay, paid in GNO on Gnosis Chain; requires holding GNO in the Gnosis Pay card Safe) |
| Annual fee | Virtual: free; Metal: $199/yr | — |
| FX fee | No additional MetaMask fee (uses Mastercard's exchange rate) | No exchange fees; uses Visa mid-market rate |
| ATM fee | — | — |
| KYC | — | Full |
| Custody | Self-custodial | Self-custodial |
| Supported coins | mUSD, wETH, EURe, GBPe, USDC, USDT | EUR and USD stablecoins (EURe for EUR, sDAI for USD) |
| Availability | 40+ countries incl. most EU, Canada, Latin America; Metal card available in the US; US and UK signups temporarily closed | 150+ countries |
| Apple / Google Pay | Yes | Yes |
How do they differ?
The MetaMask Card and Zeal Card both offer self-custodial crypto debit card solutions but cater to different user needs. The MetaMask Card focuses on flexibility with multiple supported blockchains and a choice between virtual and metal tiers, while the Zeal Card emphasizes high cashback rewards and broader international availability. Both cards utilize stablecoins and support popular mobile payment systems, but they differ in their fee structures, rewards, and supported networks.
Choose MetaMask Card if…
- You prefer a self-custodial wallet with direct control over your funds: The MetaMask Card allows you to keep custody of your tokens until the moment of payment, offering enhanced security and control.
- You want flexibility with supported blockchains: The MetaMask Card supports multiple chains including Linea, Base, Polygon, and Solana, providing a versatile experience for users with diverse crypto portfolios.
- You are interested in a tiered rewards system: The MetaMask Card offers a 1% mUSD back on all transactions for the virtual tier and a 3% mUSD back on the first $10,000 spend for the metal tier, which may appeal to users looking for a straightforward rewards structure.
- You want to avoid additional FX fees: The MetaMask Card does not charge additional fees for international transactions, using Mastercard’s exchange rate instead.
- You are comfortable with the annual fee for the metal tier: While the virtual tier is free, the metal tier costs $199 per year, which may be worthwhile for users who prioritize the higher rewards and additional benefits.
Choose Zeal Card if…
- You are looking for high cashback rewards: The Zeal Card offers up to 4% cashback, which is significantly higher than the MetaMask Card’s rewards, though it is paid in GNO and requires holding GNO in the Gnosis Pay card Safe.
- You want a card with broader international availability: The Zeal Card is available in over 150 countries, making it a more accessible option for users outside of the MetaMask Card’s supported regions.
- You are interested in yield on your balances: The Zeal Card offers yield on balances, with an APY of around 5-6%, providing an additional incentive for users to hold funds in their account.
- You prefer using Visa over Mastercard: The Zeal Card operates on the Visa network, which may be preferable for users with specific preferences or requirements.
- You are comfortable with full KYC: The Zeal Card requires full KYC, which may be a consideration for users who prioritize privacy.
Bottom line
Choosing between the MetaMask Card and the Zeal Card ultimately depends on your priorities. If you value self-custody, multiple blockchain support, and a tiered rewards system, the MetaMask Card is a strong option. However, if high cashback rewards, broader international availability, and yield on balances are more important to you, the Zeal Card may be the better choice. For more detailed comparisons, visit our how we rate page.