We can’t pick an overall winner yet: at least one of these cards doesn’t have enough verified data for a score.
Head-to-head
| Feature | Ledger × Baanx | MetaMask | Better |
|---|---|---|---|
| Cashback without staking | 1% | 1% | Tie |
| Best cashback | Up to 1% | Up to 3% | MetaMask |
| Issuance fee | Free | Free | Tie |
| Monthly fee (entry tier) | Free | Free | Tie |
| FX fee (entry tier) | Not verified | 1% | — |
| Available in US | Available | Not available | Ledger × Baanx |
| Available in UK | Available | Not available | Ledger × Baanx |
| Available in EEA | Available | With restrictions | Ledger × Baanx |
| Network | Visasource | Mastercardsource | — |
| Card type | Debit | Debit · self-custody | — |
| Staking or paid plan for best rate | No | Yes | — |
| Top-up | Bank transfer free; card load €2.00 under €56, else €0.60 + 2.49%; 2% card-spend fee when paying with crypto; 1.75% crypto-to-fiatsource | 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 | None: €2.50 per domestic withdrawal; €3.00 + 1.5% in foreign currencysource | 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
Ledger CL Card: entry-tier cashback 1%source, best rate Up to 1%source, paid in BTC or USDT (BTC or USDC in the US)source.
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 |
|---|---|---|---|---|
| Ledger CL Card | Can’t calculate: a fee or rate is not verified | |||
| 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 | Ledger × Baanx | MetaMask |
|---|---|---|
| US | Available | Not available |
| UK | Available | Not available |
| EEA | Available | With restrictions |
Both issuers require identity verification (KYC). Not legal advice; an issuer can refuse any applicant.
Choose Ledger CL Card if…
- You live in the US, where Ledger CL Card can be issued and MetaMask Card is not offered.
- You live in the UK, where Ledger CL Card can be issued and MetaMask Card is not offered.
- You live in the EEA, where Ledger CL Card can be issued and MetaMask Card has restrictions.
- You are looking for a card for Ledger owners who want one card across the US, UK and EEA.
Choose MetaMask Card if…
- You can reach the top tier: the best advertised rate is 3%.
- You are looking for a card for spending from your own MetaMask wallet.
FAQ
Which is better, Ledger CL Card or MetaMask Card?
We can’t pick an overall winner yet: at least one of these cards doesn’t have enough verified data for a score.
Can I get Ledger CL Card or MetaMask Card in the US?
Ledger CL Card: Available. MetaMask Card: Not available. Availability can change; check the issuer’s site before applying.