Image: MetaMask (Consensys)
MetaMask Card review: fees, cashback and limits
Spend straight from your MetaMask wallet with a Mastercard.
Quick answer
The MetaMask Card is a self-custody Mastercard that spends straight from your MetaMask wallet on Linea, Base, Solana or Monad. The virtual card is free and pays about 1% back. Paying in stablecoins that match your local currency has no fee, but cross-border purchases cost 1% and ATM withdrawals cost 2%. The $199 Metal tier removes cross-border fees, but new Metal orders have been paused since June 2026.
MetaMask Card at a glance
| Best for | People who already live in MetaMask and want to spend stablecoins without moving them to an exchange. |
|---|---|
| Skip it if | You want high cashback, or you need a physical card right now. |
| Network | Mastercard |
| Card issuer | Not disclosed by MetaMask |
| Custody | Self-custody (funds stay in your wallet until you spend) |
| Card type | Debit |
| Virtual or physical | Virtual (free). Metal physical card on the paid tier. |
| Cashback | About 1% back, up to 3% on Metal |
| Annual fee | Free tier $0. Metal $199 a year. |
| Apple Pay / Google Pay | Yes / Yes |
| Identity check (KYC) | Required |
| Where it works | Trackers list about 45 supported countries, including the US, much of the EEA, Switzerland, Canada, Argentina and Brazil. Metal was US-only (not Vermont) before orders paused. |
MetaMask Card fees
| Card cost | Virtual card free. Metal is a $199 annual membership. Metal replacement $99. |
|---|---|
| Annual or membership fee | Free tier $0. Metal $199 a year. |
| FX and cross-border | Free tier: 1% cross-border fee. Metal: no cross-border fee (fair usage applies). |
| Crypto conversion | Stablecoins in your local currency: no fee. Stablecoins in a third currency: 0.5%. DeFi or yield tokens: free up to $1,200 a month, then 0.5%. Other crypto such as wETH: 0.875%. |
| ATM withdrawals | Free tier: 2%. Metal: free up to $1,200 a month, then 2%. ATM operators may add their own fee. |
| Other fees | Network gas per transaction, typically around $0.01 |
| No fee to delegate funds for spending, no minimum balance |
Mastercard applies its own exchange rate on top of any card markup. Check the fee page in the MetaMask Card app for your country before you load money. To see what MetaMask Card would cost you in a year compared with every other card, try the cost calculator.
What a $100 purchase costs with MetaMask Card
These are MetaMask Card's own fees on the Free tier, before the card network's exchange rate and any ATM or top-up costs. Its FX markup of 1% is the same as the median of 1% across the 60 cards we track with a published FX fee, and cheaper than 24 of them. For a full year based on your own spending, use the cost calculator.
Where it ranks by our score: #4 of 20 in United States#1 of 7 in Canada#8 of 36 in Europe (EEA)#7 of 20 in United Kingdom#6 of 27 in Latin America
Cashback and rewards
- Trackers list 1% cashback on the free virtual card
- Metal: 3% in mUSD on the first $10,000 spent each year, then 1%
- Hotel bookings through MetaMask Card Travel: 5% total on the free tier, 7% on Metal
| Tier | Price or requirement | Cashback | Notes |
|---|---|---|---|
| Virtual | Free | About 1% | 1% cross-border, 2% ATM |
| Metal | $199/year | 3% on first $10K/yr, then 1% | No cross-border fee, higher limits. New orders paused since June 2, 2026. |
Deposits and withdrawals
How to top up
- No top-up step. Hold USDC, USDT, EURe or GBPe in your MetaMask wallet on a supported chain and approve the card to spend it
- Get stablecoins into your wallet with any onramp, exchange withdrawal or bridge
Fees: No fee to fund. You pay the onramp or exchange's own fees and small network gas.
How to withdraw
- Nothing to withdraw: funds never leave your wallet until you pay
- Move funds anywhere from MetaMask at any time
- ATM cash withdrawals
Fees: ATM 2% on the free tier. Network fees for onchain moves.
Supported assets: USDC, USDT, EURe and GBPe on Linea, Base, Solana and Monad. Other tokens can be spent with a conversion fee.
Where MetaMask Card works
Trackers list about 45 supported countries, including the US, much of the EEA, Switzerland, Canada, Argentina and Brazil. Metal was US-only (not Vermont) before orders paused.
Check the MetaMask app for your country. The list changes as the card rolls out.
Limits and perks
Limits
- Free: $10,000 per transaction, $15,000 per day
- Metal: $20,000 per transaction, $30,000 per day
- ATM: $1,000 per day on free, $5,000 per day on Metal
Perks
- Metal: no foreign transaction fees, higher limits, larger travel discounts
- Dining rewards through Blackbird ($FLY) on Metal
Pros and cons
What's good
- True self-custody, spend straight from your wallet
- No fee when spending stablecoins in your own currency
- Free virtual card with Apple Pay and Google Pay
- Works in the US, which many crypto cards don't
What's not
- Only about 1% back on the free card
- 1% cross-border fee on the free tier
- Metal card orders paused since June 2026
- Spending non-stablecoin tokens costs 0.875%
Our take on MetaMask Card
The MetaMask Card makes sense the moment you realise you never have to "load" it. Your stablecoins sit in your own MetaMask wallet on Linea, Base, Solana or Monad, and the card pulls from them only when you tap. Nobody holds your balance in between, which is exactly what self-custody people want.
Fees are simple if you stick to stablecoins in your own currency: there's no fee at all, just a tiny gas cost that's usually around a cent. Pay in a currency that matches neither you nor the merchant and it's 0.5%. Spending other tokens like wETH costs 0.875%. On the free tier, cross-border purchases cost 1% and ATM withdrawals cost 2%.
Rewards are modest on the free card, around 1%. The Metal tier ($199 a year) was the upgrade path: 3% back in mUSD on the first $10,000 each year, no cross-border fee and higher limits. But MetaMask paused new Metal orders on June 2, 2026, and before that Metal was only offered in the US. So for most people right now, the MetaMask Card means the free virtual card.
One small but real benefit: it's one of the few self-custody cards that works for US residents.
The cleanest way to spend stablecoins without giving them to anyone first. Rewards are thin, so pick it for control and simplicity rather than cashback.
How much people spend with MetaMask Card
Spending trackerHow we scored MetaMask Card: 7.4/10
MethodologyMetaMask Card FAQ
Is the MetaMask Card free?
The virtual card is free. Metal is a $199 annual membership, but new Metal orders have been paused since June 2, 2026.
What fees does the MetaMask Card charge?
Spending stablecoins in your local currency has no fee. The free tier charges 1% on cross-border purchases and 2% on ATM withdrawals. Spending tokens like wETH costs 0.875%.
Which chains does the MetaMask Card use?
Linea, Base, Solana and Monad, with USDC, USDT, EURe and GBPe as the main spending assets.
Is the MetaMask Card available in the US?
Yes. It's one of the few self-custody cards that serves US residents, alongside about 45 countries in total.
Sources
- MetaMask Card limits and feesFee and limit table
- MetaMask Metal cardMetal price, rewards, order pause from June 2, 2026
- DefiLlama card details: MetaMask CardChains, coins, country count, verified Sep 28, 2026
We checked these sources on 15 October 2026. Fees and rewards change often. Spotted something out of date? Report a correction and we'll check it within two working days.
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