Visa / Monavate
MetaMask Card
5.9/10Overall Score
Card Mode
Self-custodial
Card Type
Debit
Mobile Payments
Google PaySupportedApple PaySupported
About the Project
Fees & Rules
01Getting Started
- Virtual Card Application
- $0
- Physical Card Application
- $199
02Spending & Conversion
- Base Transaction Fee
- 0%
- ATM Withdrawal
- 2%
- FX Fee
- 0.5%
03Rewards
- Cashback
- 1%
Card Guide
Overview
MetaMask Card is a self-custodial Mastercard debit card built by MetaMask (Consensys) with Mastercard and Baanx, now Monavate. Unlike cards that require a custodial top-up, it spends straight from the user's own wallet: tokens leave the wallet only at the moment of payment, and unused balances stay under the user's control. Settlement runs on Linea (mUSD, USDC, USDT, wETH, EURe, GBPe), Solana and Base (USDC, USDT) and Monad (USDC).
| Item | Details |
|---|---|
| Formats: | a free virtual card issued instantly, plus a metal card tier that is issued in the United States only. |
| Tiers: | the free Virtual tier and the paid Metal tier, which differ on cashback and cross-border fees. |
| Network and assets: | Mastercard; spending limits and priority can be set per network inside the app. |
| Use cases: | everyday spending, subscriptions and cross-border payments, with Apple Pay and Google Pay support. |
Plan comparison
| Item | Virtual | Metal |
|---|---|---|
| Benefits | 1% on every purchase, paid in mUSD with no monthly cap and deposited automatically into the Money Account. | 3% on the first USD 10,000 of spending each calendar year, then 1%. |
| Issuance | free for the virtual card | Metal is a USD 199 annual membership. |
Benefits
| Item | Details |
|---|---|
| Cashback (Virtual): | 1% on every purchase, paid in mUSD with no monthly cap and deposited automatically into the Money Account. |
| Cashback (Metal): | 3% on the first USD 10,000 of spending each calendar year, then 1%. |
| Using rewards: | mUSD is pegged 1:1 to the dollar, so it can be spent directly or held in the Money Account for variable yield. |
| FX handling: | no markup on top of the network rate, and conversion quotes are shown in-app before confirming. |
| Self-custody: | no transfer into a platform balance, and the network and asset used for each payment stay selectable. |
Fees
| Item | Details |
|---|---|
| Issuance: | free for the virtual card; Metal is a USD 199 annual membership. |
| Annual and monthly fees: | none on the virtual card. |
| Spending: | 0 transaction fee; delegating or revoking token allowances is free and there is no minimum balance. |
| FX: | settled at the Mastercard rate with no MetaMask markup; a 1% cross-border fee applies on the virtual card, plus 0.5% when the stablecoin is neither the account country's nor the merchant's currency. |
| ATM: | 2% of the amount withdrawn; virtual cards outside the United States cannot withdraw cash. |
| Other: | claiming mUSD cashback carries a small onchain gas cost; metal card orders are currently paused. |
Availability
| Item | Details |
|---|---|
| Supported (47): | 23 EU member states, Iceland, Liechtenstein, Norway, Switzerland, Andorra, Monaco, Gibraltar, Guernsey, Jersey, Isle of Man, Canada, Bahrain and Oman, plus 11 Latin American markets including Argentina, Brazil, Mexico, Chile and Colombia. |
| Not supported: | new sign-ups are paused in both the United States and the United Kingdom; spending on Solana and Monad is unavailable in New York and Texas. |
| Onboarding: | full KYC with proof of identity and proof of residency, plus a MetaMask wallet funded with onchain assets. |
| Spending limits: | USD 10,000 per transaction and USD 15,000 a day on Virtual; USD 20,000 and USD 30,000 on Metal. |
| Cash access: | virtual cards without a PIN generally cannot be used at ATMs, so cash depends on the physical card. |
