The strongest self-custody option for EEA residents right now, especially if you spend in stablecoins. It isn’t open to new US or UK users, and new users only get a virtual card.
Score breakdown
How we read the terms: Free tier: free virtual card, no monthly fee, 1% cross-border fee (scored as the FX fee), 1% cashback. The 3% rate needs the $199/year Metal plan, which is paused for new users.
Preliminary score: criteria marked “Not scored” are left out and their weight is shared among the rest. How scores are calculated.
Pros
- Self-custody: funds stay in your MetaMask wallet until you pay
- 1% cashback in mUSD on the free tier
- No issuance or monthly fee for the virtual card
- Apple Pay and Google Pay
Cons
- New US and UK sign-ups are closed
- Only a virtual card for new users
- Spending non-stablecoin crypto costs 0.875%
- The 3% Metal tier is paused for new users
Overview
MetaMask Card is a Mastercard debit card issued by Monavate, with Crypto Life as programme manager. Payments are settled from tokens you approve in your own MetaMask wallet.
Spending costs depend on the token: no fee for a stablecoin in the local currency, 0.5% for stablecoins in another currency and 0.875% for other crypto such as wETH, plus a 1% cross-border fee on the free tier.
We haven’t run a hands-on test of this card; this review is based on the issuer’s published documents linked on this page.
Fees and limits
- Card issuance (EEA (DE view))
- Free (Virtual card)source
- Monthly fee (EEA/global)
- $0 (Free tier); Metal $199/yearsource
- FX fee (EEA/global)
- 0% FX markup; 1% cross-border fee on Free tier (Metal: none, fair use)source
- Top-up (EEA/global)
- Token-dependent: 0% for local-currency stablecoins; 0.5% other-currency stablecoins; 0.875% other crypto (e.g. wETH); small gas (~$0.01)source
- Free ATM per month (EEA (DE view))
- Not available outside US; US: Free tier 2%, Metal free up to $1,200/month then 2%source
Fees are quoted from the issuer’s documents for the region shown. Each “source” link opens the issuer’s page; the wording is quoted in the availability table and in the link’s tooltip.
Is it worth it? Quick math
Entry tier, $1,000 a month of everyday spending in the card’s currency, first year, compared with a plain 2% cash-back card. Only the verified figures above are used.
- Cashback earned
- $120
- Card fees (issuance + 12 × monthly)
- $0
- Net value, year one
- $120
- Plain 2% cash-back card
- $240
At this spend, a plain 2% cash-back card earns $120 more. Higher tiers pay more, but may need staking, a balance or a paid plan — see the tiers above.
Cashback paid in a volatile token can be worth more or less when you sell it. FX and top-up fees are not included here.
Availability
| Region | Status | What the issuer says |
|---|---|---|
| US | Not available | “Signups for MetaMask Card in the US and the UK are temporarily closed.”source |
| UK | Not available | “Signups for MetaMask Card in the US and the UK are temporarily closed.”source MetaMask’s help centre lists the UK, but the product page says UK sign-ups are temporarily closed. |
| EEA | With restrictions | “Eligible countries include Austria, Belgium, France, Germany, Italy, Netherlands, Spain, Sweden among others.”source Available in most, not all, EEA countries. |
By country
Other regions listed by the issuer: EEA (most countries), Switzerland, Andorra, Monaco, Gibraltar, Channel Islands/Isle of Man, Canada, LATAM (Argentina, Brazil, Chile, Colombia, Costa Rica, Dominican Republic, El Salvador, Guatemala, Mexico, Panama, Uruguay), Bahrain, Oman, UK (listed, but sign-ups temporarily closed per product page), Excluded for new sign-ups: USsource. Not legal advice; an issuer can refuse any applicant.
How to get the card
- 1Install MetaMaskSet up the MetaMask wallet and back up your recovery phrase.
- 2Apply in the appOpen the card section and complete identity verification.
- 3Approve spendingChoose which tokens the card can spend and set a spending limit.
- 4Add to your phoneAdd the virtual card to Apple Pay or Google Pay and pay in stores.
MetaMask Card: common questions
Which countries can get the MetaMask Card?
MetaMask lists 45 countries, mostly in the EEA plus Switzerland, Andorra, Monaco, Gibraltar, the Channel Islands, Isle of Man, Canada and Latin America (Argentina, Brazil, Chile, Colombia, Costa Rica, Dominican Republic, El Salvador, Guatemala, Mexico, Panama, Uruguay). New sign-ups in the US and the UK are temporarily closed.source
What are the MetaMask Card fees?
The Virtual card (Free tier) has no subscription fee; the Metal tier costs $199 a year. Spending local-currency stablecoins is free, other-currency stablecoins cost 0.5%, and other crypto such as wETH 0.875%, plus a small gas fee. Paying merchants abroad costs 1% on the Free tier (none on Metal). ATM withdrawals cost 2%; Metal includes $1,200/month free.source
What are the MetaMask Card limits?
Free tier: $10,000 per transaction and $15,000 per day; Metal tier: $20,000 per transaction and $30,000 per day. ATM withdrawals are capped at $1,000 per transaction and $1,000 per day on the Free tier, or $5,000 per day on Metal. ATM withdrawals are only available to US cardholders.source
How does MetaMask Card cashback work?
The Virtual card earns 1% back in mUSD on eligible transactions, deposited automatically to your Money Account. Metal earns 3% on the first $10,000 spent each year, then 1%. Hotel bookings through MetaMask Card Travel earn 4% at checkout, plus 1% extra on Virtual or 3% on Metal.source
What is the MetaMask Metal card?
Metal is a physical metal debit card tied to a $199/year auto-renewing subscription. It adds 3% mUSD back on the first $10,000 a year, no foreign transaction fees, and higher limits. New Metal orders have been paused since 2 June 2026, so new users can only get the Virtual card.source
Is MetaMask Card self-custody?
Yes. Funds stay in your MetaMask wallet; you approve which tokens the card can spend and up to what limit.
Can I get MetaMask Card in the UK or US?
Not as a new user right now: MetaMask’s product page says US and UK sign-ups are temporarily closed.
Alternatives and comparisons
Information only, not financial advice. Crypto assets are volatile. Terms change often — confirm on the issuer’s site before applying.