ether.fi Cash scores higher overall (7.9 vs 5.6 on our preliminary scale), but MetaMask Card can still be the better choice depending on where you live and how you spend — see “Which to choose”.
Head-to-head
| Feature | ether.fi | MetaMask | Better |
|---|---|---|---|
| Cashback without staking | 3% | 1% | ether.fi |
| Best cashback | Up to 4% | Up to 3% | ether.fi |
| Issuance fee | Free | Free | Tie |
| Monthly fee (entry tier) | Free | Free | Tie |
| FX fee (entry tier) | 1.5% | 1% | MetaMask |
| Available in US | With restrictions | Not available | ether.fi |
| Available in UK | Available | Not available | ether.fi |
| Available in EEA | With restrictions | With restrictions | Tie |
| Network | Visasource | Mastercardsource | — |
| Card type | Debit / credit · self-custody | Debit · self-custody | — |
| Staking or paid plan for best rate | Yes | Yes | — |
| Top-up | Not verified | 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 | Core: none stated; Luxe and above: up to 10 free withdrawals a monthsource | Not available outside US; US: Free tier 2%, Metal free up to $1,200/month then 2%source | — |
Built from the verified facts in each review. “Better” is blank when either value is unverified.
Rewards compared
ether.fi Cash: entry-tier cashback 3%source, best rate Up to 4%source, paid in ETHFIsource. The best rate needs a token stake, holding or paid plan.
MetaMask Card: entry-tier cashback 1%source, best rate Up to 3%source, paid in mUSDsource. The best rate needs a token stake, holding or paid plan.
Fees compared
Example: you spend $1,000 a month on the entry tier, 20% of it in a foreign currency, and fund the card for free. Yearly result = entry-tier cashback − FX fees − monthly fees × 12.
| Card | Cashback | FX fees | Card fees | Net per year |
|---|---|---|---|---|
| ether.fi Cash | $360 | −$36 | −$0 | $324 |
| MetaMask Card | $120 | −$24 | −$0 | $96 |
Ignores issuance fees, ATM use, caps and token price moves. Fees are in each issuer’s currency for the region shown in the review. Run your own numbers.
Availability
| Region | ether.fi | MetaMask |
|---|---|---|
| US | With restrictions | Not available |
| UK | Available | Not available |
| EEA | With restrictions | With restrictions |
Both issuers require identity verification (KYC). Not legal advice; an issuer can refuse any applicant.
Choose ether.fi Cash if…
- You want cashback without staking — 3% on the entry tier versus 1%.
- You can reach the top tier: the best advertised rate is 4%.
- You live in the US, where ether.fi Cash is available with restrictions and MetaMask Card is not offered.
- You live in the UK, where ether.fi Cash can be issued and MetaMask Card is not offered.
Choose MetaMask Card if…
- You often pay in foreign currencies — the entry-tier FX fee is 1% versus 1.5%.
- You are looking for a card for spending from your own MetaMask wallet.
FAQ
Which is better, ether.fi Cash or MetaMask Card?
ether.fi Cash scores higher overall (7.9 vs 5.6 on our preliminary scale), but MetaMask Card can still be the better choice depending on where you live and how you spend — see “Which to choose”.
Can I get ether.fi Cash or MetaMask Card in the US?
ether.fi Cash: With restrictions. MetaMask Card: Not available. Availability can change; check the issuer’s site before applying.