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 | MetaMask | Tangem | Better |
|---|---|---|---|
| Cashback without staking | 1% | 1% | Tie |
| Best cashback | Up to 3% | Up to 2% | MetaMask |
| Issuance fee | Free | Free | Tie |
| Monthly fee (entry tier) | Free | Free | Tie |
| FX fee (entry tier) | 1% | Not verified | — |
| Available in US | Not available | With restrictions | Tangem |
| Available in UK | Not available | Not available | Tie |
| Available in EEA | With restrictions | Not available | MetaMask |
| Network | Mastercardsource | Visasource | — |
| Card type | Debit · self-custody | Prepaid · self-custody | — |
| Staking or paid plan for best rate | Yes | Yes | — |
| Top-up | Token-dependent: 0% for local-currency stablecoins; 0.5% other-currency stablecoins; 0.875% other crypto (e.g. wETH); small gas (~$0.01)source | Bank transfer: ACH $1 (free on Plus), Fedwire flat fee ($10 or $11 per different pages); crypto top-ups: network feessource | — |
| Free ATM per month | Not available outside US; US: Free tier 2%, Metal free up to $1,200/month then 2%source | None free: 4% fee on Basic, 2% on Plus (contactless ATMs via Apple Pay/Google Pay; max $250 per withdrawal)source | — |
Built from the verified facts in each review. “Better” is blank when either value is unverified.
Rewards compared
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.
Tangem Pay: entry-tier cashback 1%source, best rate Up to 2%source, paid in USDC (Polygon)source. 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 |
|---|---|---|---|---|
| MetaMask Card | $120 | −$24 | −$0 | $96 |
| Tangem Pay | Can’t calculate: a fee or rate is not verified | |||
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 | MetaMask | Tangem |
|---|---|---|
| US | Not available | With restrictions |
| UK | Not available | Not available |
| EEA | With restrictions | Not available |
Both issuers require identity verification (KYC). Not legal advice; an issuer can refuse any applicant.
Choose MetaMask Card if…
- You can reach the top tier: the best advertised rate is 3%.
- You live in the EEA, where MetaMask Card is available with restrictions and Tangem Pay is not offered.
- You are looking for a card for spending from your own MetaMask wallet.
Choose Tangem Pay if…
- You live in the US, where Tangem Pay is available with restrictions and MetaMask Card is not offered.
- You are looking for a card for Tangem wallet users outside Europe who spend in stablecoins.
FAQ
Which is better, MetaMask Card or Tangem Pay?
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 MetaMask Card or Tangem Pay in the US?
MetaMask Card: Not available. Tangem Pay: With restrictions. Availability can change; check the issuer’s site before applying.