Metamask Card
Mastercardself-custodialKYC: required
3.5 / 5
Net Reward3.8
Availability2.0
Custody & Risk5.0
Features3.0
UX4.5
The MetaMask Card is a self-custodial Mastercard debit card for spending crypto directly from your MetaMask wallet. It supports stablecoins and ETH, converting to local fiat at purchase, and offers both virtual and metal card options with 1-3% mUSD cashback.
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Slug: metamask-card
Latest News
Solana, Base, Linea funding support
November 24, 2025
You can now fund your Metamask card with $USDC or $USDT on Solana, Base, Linea.
Cashback rewards switch to mUSD
September 23, 2025
Starting October 7, all new cashback rewards will be issued in mUSD instead of USDC.
EURe and GBPe support added
May 7, 2025
You can now spend EURe and GBPe with MetaMask Card.
Our Verdict
Existing MetaMask users who maintain crypto assets in MetaMask wallet, self-custody advocates who want control of funds until spending, multi-network crypto holders with assets on Linea, Solana, or Base, and international spenders who benefit from Metal tier's zero foreign transaction fees.
Pros and cons
Pros
- True self-custody model preserves fund control until transaction
- Multi-network support (Linea, Solana, Base) reduces bridging needs
- ATM withdrawal functionality with competitive limits
- MetaMask Rewards points earning on all spending
- Zero foreign transaction fees on Metal tier
Cons
- Limited geographic availability with US launch pending
- Metal tier requires $199 annual subscription fee
- Cross-border fees on Free tier (1%)
- One card limit per user
- Stablecoin currency mismatch fees (0.5%)
Supported chains
BaseEthereumLineaSolana
Supported cryptos
ETHUSDCUSDTwETH
Fees
Annual: See card_tiers
Issuance: See card_tiers
Key Features
- True self-custody model - funds remain in user's wallet until transaction
- Converts crypto to fiat at point of purchase via multiple networks (Linea, Solana, Base)
- 1% mUSD cashback on eligible transactions (3% for Metal Card on first $10K annually)
- Mastercard acceptance worldwide with Apple Pay/Google Pay integration
- ATM withdrawal functionality with tier-based limits
- MetaMask Rewards points earning on all spending
- Multi-network support reduces bridging requirements
- On-chain tracking - all transactions recorded on blockchain
- Yield earning with interest-bearing tokens (aUSDC, amUSD, aBasUSDC)
Limitations
- Limited availability (EU/EEA, UK, Switzerland, Canada, select Latin America)
- US early access pilot closed - upcoming summer launch
- Metal tier has $199 annual subscription fee
- Cross-border fees on Free tier (1%)
- One card limit per user
- Stablecoin currency mismatch fees (0.5%)
- Limited token support
- Requires assets to be on supported networks - users must bridge assets from other networks
- Claiming rewards requires paying gas
Risks
- CounterpartyExodus announced acquisition of Baanx and Monavate's parent company in late 2025, which may influence future development directionLate 2025
Rewards & Cashback
Notes: Rewards accrue automatically; users can claim them under Card → Rewards → Claim (requires paying gas). Rewards (mUSD) can be withdrawn back to the wallet from Card → Withdraw at any time. Also earns MetaMask Rewards points at 1 point per $1 spent.
Cashback Cap: $10,000 annual spend at 3% rate for Metal Card
Reward Token: mUSD (MetaMask USD stablecoin)
Cashback Rate: 1% mUSD (Free Virtual Card) / 3% mUSD on first $10,000 annually, then 1% (Metal Card)
Interest On Balance: Ability to earn interest on idle funds using interest-bearing tokens (aUSDC, amUSD, aBasUSDC)
Eligibility Requirements: No staking requirements - rewards available without token staking
Spending Limits
Notes: ATM per transaction limit: $1,000 for both tiers. Users can set their own lower spending limits through the app for additional control. One card limit per user.
Atm Daily: $1,000 (Free) / $5,000 (Metal)
Daily Spending: $15,000 (Free) / $30,000 (Metal)
Per Transaction: $10,000 (Free) / $20,000 (Metal)
Top-Up Methods
No pre-loading required - funds remain in MetaMask wallet until purchase
Processing Time: Real-time - payment deducted from connected MetaMask wallet at time of transaction via app
Security Features
Features: True self-custody model with funds remaining in user's wallet until transaction,MetaMask wallet security protections,Instant card freeze/unfreeze via app,Multi-network blockchain security (Linea/Ethereum, Solana, Base),PCI-DSS-Level-1 stack operated by Mastercard/Baanx
Mobile Wallet Support
Apple PayGoogle PayiOSAndroid
Best For
Existing MetaMask users who maintain crypto assets in MetaMask wallet, self-custody advocates who want control of funds until spending, multi-network crypto holders with assets on Linea, Solana, or Base, and international spenders who benefit from Metal tier's zero foreign transaction fees.
Custody Model
self-custodialTrue self-custody model - funds remain in user's wallet until transaction. Users retain full control of private keys at all times. Funds are converted to fiat at the moment of purchase via smart contract technology.
Risk: If provider ceased operations, users keep full access to assets.
Card Issuer & Compliance
Issuer Name: Monavate Ltd.
Credit Check: false
Kyc Required: true
Issuer License: UK-based FCA-authorized electronic money institution, FRN 901097
Program Manager: Baanx (Crypto Life)
Platform Licenses: FCA-authorized electronic money institution
Availability
Available in 35 countries: UK, Switzerland, EU/EEA, Canada, select Latin America (Argentina, Brazil, Colombia, Mexico). US early access pilot closed - upcoming general launch planned for summer.
Card Tiers
Free Virtual Card
Virtual onlyVirtual only
Fees
Issuance: Free
MastercardApple PayGoogle Pay
Cashback: 1% in mUSD on eligible transactions
MetaMask Rewards pointsInstant digital issuance
MetaMask Metal Card
PhysicalMetal
MastercardApple PayGoogle Pay
Cashback: 3% mUSD on first $10,000 annually, then 1%
ATM Free: $1,200/month
VIP event accessExclusive perksZero foreign transaction feesMetaMask Rewards points
User Ratings
1.5/5.0 (631 ratings)
Trustpilot
4.5/5.0 (442,203 ratings)
Google Play
4.7/5.0 (69,503 ratings)
App Store
Mixed - positive feedback on easy setup, quick KYC, and Apple/Google Pay integration; negative feedback on geographic restrictions and fees
Roadmap & Updates
Expansion: US market launch planned for summer
Planned Features:
- US market launch planned for summer
- Continued geographic expansion to additional regions
- Potential support for additional tokens and networks
- Enhanced Metal Card benefits and exclusive perks
Recent Updates:
- Multi-network support (Linea, Solana, Base)
- ATM withdrawal functionality
- mUSD cashback system
- Interest-bearing token support
Conclusion
MetaMask Card represents a significant innovation in crypto payments by offering true self-custody spending capabilities across multiple blockchain networks. The expanded network support and addition of ATM functionality address key limitations from the initial launch. The structured fee system provides transparency, though Metal tier users benefit significantly from zero foreign transaction fees and waived ATM fees. The addition of mUSD cashback and MetaMask Rewards points creates a comprehensive rewards ecosystem. Key considerations include geographic restrictions, with US users awaiting the summer launch, and the Metal tier's annual fee. The multi-network approach and ATM access position this as a more complete crypto spending solution than many alternatives. For crypto-native individuals who value self-custody and use supported networks, the card offers compelling functionality for both everyday spending and cash access while maintaining control of digital assets.
Card launched: 2024 (limited pilot)
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