Free Virtual Card
None- Cashback
- 1% in mUSD on eligible transactions
- Card material
- Virtual only
- Issuance fee
- Free
- MetaMask Rewards points
- Instant digital issuance
DeFi maxiMonavate Ltd.mastercard● Live
Metamask Card
Self-custodial Mastercard debit card spending crypto directly from a MetaMask wallet on Linea/Solana/Base.
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.
Affiliate link — CoinsOnCards may earn a commission. Reviews are independent. How we rate.
Best for
Existing MetaMask users with assets on Linea, Solana, or Base valuing self-custody.
Skip if
You need a card in the US (waitlist only) or want no-fee cross-border spending.
Network
mastercard
Custody
self custodial
KYC
full
Max cashback
3%
Min monthly fee
$0
Apple Pay
Yes
Google Pay
Yes
Physical card
Yes
The verdict
What we like
- Multi-network support for Linea, Solana, and Base.
- ATM withdrawals up to $5,000 daily (Metal).
- Zero foreign transaction fees on $199 Metal tier.
Watch outs
- Metal tier requires a $199 annual fee.
- Free tier has a 1% cross-border fee.
- 0.5% fee for stablecoin currency mismatch.
- True self-custody, but requires assets on Linea, Solana, or Base networks.
- Metal tier offers 3% cashback and no FX fees, but costs $199 annually.
- Supports Apple Pay and Google Pay, but has a 1% cross-border fee on free tier.
Basic information
The MetaMask Card is a self-custodial debit card that enables direct cryptocurrency spending from MetaMask wallets. The card maintains user control of funds until the moment of purchase, converting designated tokens to local fiat currency at point of sale. It is issued by Monavate Ltd. and managed by Baanx. The card integrates with Apple Pay and Google Pay and is accepted wherever Mastercard is. It supports multiple networks including Linea, Solana, and Base, reducing the need for bridging assets.
Fees
- Annual Fee (Virtual): None
- Annual Fee (Metal): $199
- Physical Replacement (Metal): $99
- Cross-border Fee (Virtual): 1%
- Cross-border Fee (Metal): Free (subject to fair usage)
- Stablecoin Currency Mismatch: 0.5%
- ATM Withdrawal Fee (Virtual): 2%
- ATM Withdrawal Fee (Metal): Waived up to $1,200/month, then 2%
- wETH Transaction Fee: Network gas + 0.875% swap fee
Spending and ATM Limits
- Per Transaction: $10,000 (Virtual) / $20,000 (Metal)
- Daily Spending: $15,000 (Virtual) / $30,000 (Metal)
- ATM Per Transaction: $1,000
- ATM Daily Limit: $1,000 (Virtual) / $5,000 (Metal)
Spending & ATM 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)
Features
- True Self-Custody: Funds remain in the user's MetaMask wallet until the point of sale.
- Multi-Network Support: Spend assets directly from Linea, Solana, and Base networks.
- Supported Assets: mUSD, USDC, USDT, wETH, EURe, GBPe, and select interest-bearing tokens (aUSDC, amUSD, aBasUSDC).
- Real-Time Conversion: Crypto is converted to local fiat at the moment of purchase.
- ATM Withdrawals: Functionality to withdraw cash with tier-based limits and fees.
- Mobile Wallet Integration: Supports Apple Pay and Google Pay for contactless payments.
- Card Management: Freeze/unfreeze card, set spending limits, and track transactions within the MetaMask app.
Rewards
### Cashback Cashback is paid in mUSD (MetaMask USD stablecoin) and accrues automatically. Users must pay gas to claim rewards. * **Free Virtual Card:** 1% back in mUSD on eligible transactions. * **Metal Card:** 3% back in mUSD on the first $10,000 spent annually, then 1% thereafter. ### MetaMask Rewards Points * **Earning Rate:** Earn 1 point per $1 spent on all MetaMask Card transactions. * **Integration:** Points contribute to the broader MetaMask ecosystem rewards program.
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.
Top-up & funding
- No pre-loading required - funds remain in MetaMask wallet until purchase
Real-time - payment deducted from connected MetaMask wallet at time of transaction via app
Security & custody
- 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
Risk note. If the card provider (Monavate/Baanx) were to cease operations, users would retain full access to all crypto assets in their MetaMask wallet.
Mobile wallets
Apple Pay Supported
Google Pay Supported
Samsung Pay—
Card tiers
MetaMask Metal Card
$199- Cashback
- 3% mUSD on first $10,000 annually, then 1%
- Card material
- Metal
- ATM free
- $1,200/month
- VIP event access
- Exclusive perks
- Zero foreign transaction fees
- MetaMask Rewards points
What users say
App Store
4.7/5.0 (69,503 ratings)
Google Play
4.5/5.0 (442,203 ratings)
Trustpilot
1.5/5.0 (631 ratings)
Mixed - positive feedback on easy setup, quick KYC, and Apple/Google Pay integration; negative feedback on geographic restrictions and fees
Risks & limitations
Risks
- CounterpartyExodus announced acquisition of Baanx and Monavate's parent company in late 2025, which may influence future development direction
Limitations
- majorLimited availability (EU/EEA, UK, Switzerland, Canada, select Latin America)
- majorUS early access pilot closed - upcoming summer launch
- moderateMetal tier has $199 annual subscription fee
- moderateCross-border fees on Free tier (1%)
- minorOne card limit per user
- minorStablecoin currency mismatch fees (0.5%)
- moderateLimited token support
- moderateRequires assets to be on supported networks - users must bridge assets from other networks
- minorClaiming rewards requires paying gas
Latest updates
- November 24, 2025Solana, Base, Linea funding supportYou can now fund your Metamask card with $USDC or $USDT on Solana, Base, Linea.
- September 23, 2025Cashback rewards switch to mUSDStarting October 7, all new cashback rewards will be issued in mUSD instead of USDC.
- May 7, 2025EURe and GBPe support addedYou can now spend EURe and GBPe with MetaMask Card.
Roadmap
Recently shipped
- Multi-network support (Linea, Solana, Base)
- ATM withdrawal functionality
- mUSD cashback system
- Interest-bearing token support
Planned
- 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
Best suited 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.
Our verdict
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.
Ready to apply for the Metamask Card?
We may earn a commission if you apply through this link. Our reviews remain independent.
Visit official site