MetaMask Card

MetaMask · Mastercard · debit · Self-custody · metal

45 countriesVerified 5 Sep 2026

At $1,000/month spend with no stake, MetaMask Card nets +$90 a year. According to Cardefi data, 7 of 9 key figures are verified from the issuer's pages, latest 5 Sep 2026.

Open at MetaMaskdirect — pays us nothing

Cashback at your stake: 1.0%
Min. stake for rewards: None
Annual fee: $0
FX fee: 1.0%
Net value / yr: +$90
Break-even: $0

Recalculate for a stake ofSpendchanges every number on this page

Cashback and net value by stake

Stake	Tier	Cashback	Net value / yr
$0 you Virtual	Virtual	1.0%	+$90

How this card scores

Same arithmetic as every card in the catalogue, with this card's numbers in:

Cashback at your stake	1.0% × $12,000	+$120
Yearly fees	annual $0 + 12 × $0	−$0
FX on 25.0% of spend	1.0% × $3,000	−$30
Locked stake, 5.0% opportunity cost	$0 × 5.0%	−$0
Net value per year		+$90

Fees in full

Every figure below carries the issuer's own words. Tap a source count to read them. A dash means we looked and the issuer does not say. How these fees compare across every card.

Annual fee	$0 / yearVirtual (Free tier) $0; Metal $199/year is in tiers as a subscription 1 source “Annual subscription fee \| $0 \| $199”[3] · help_center · captured 5 Sep 2026
Monthly fee	$0 / monthFee is annual, no monthly fee 1 source “Annual subscription fee \| $0 \| $199”[3] · help_center · captured 5 Sep 2026
Card issuance	$0Virtual card FREE; Metal only with the $199/year subscription 1 source “Get a free digital-only Virtual card or go Metal for exclusive perks.”[1] · landing · captured 5 Sep 2026
Foreign transaction (FX)	1.0%sources disagreeFee table: Cross-border 1% (Free tier), Metal no fee (fair usage). Landing: "No foreign transaction fees". help_center takes priority 2 sources “Cross-border3 \| 1% \| No fee4”[3] · help_center · captured 5 Sep 2026 “No foreign transaction fees”[1] · landing · captured 5 Sep 2026 · disagrees with the value shown
Crypto conversion / spread	0.0%Stablecoin in the cardholder's local currency: no fee; stablecoin in another currency 0.5%; DeFi tokens free up to $1,200/month then 0.5%; other crypto (wETH) 0.875% 2 sources “Stablecoin of non-US cardholder denominated in local currency \| No fee”[3] · help_center · captured 5 Sep 2026 “Other cryptocurrencies (e.g., wETH) \| 0.875%”[3] · help_center · captured 5 Sep 2026
ATM withdrawal	2.0%Free tier 2%; Metal free up to $1,200/month, then 2% 1 source “ATM withdrawal2 \| 2% \| No fee up to $1,200 / mo, then 2%”[3] · help_center · captured 5 Sep 2026
Card replacement	$99Metal only; the virtual card has no replacement 1 source “Physical card replacement fee \| n/a \| $99”[3] · help_center · captured 5 Sep 2026

Reward tiers, as the issuer states them

Tier	Requirement · rate · cap
Virtual	1.0% · None · Cap: not disclosed · Paid in mUSD 1 source “Earn 1% mUSD back with every MetaMask Virtual Card transaction, or 3% mUSD back with every MetaMask Metal Card transaction, auto deposited as mUSD to your Money Account.”[1] · landing · captured 5 Sep 2026
Metal	3.0% · $199 / year · Cap: not disclosed · Paid in mUSD 2 sources “*on first $10,000 spend, then 1%”[1] · landing · captured 5 Sep 2026 “Metal $199/year”[1] · landing · captured 5 Sep 2026

Limits

Spend per day	$15,000 / dayFree tier: $10,000 per transaction, $15,000 per day; Metal: $20,000 / $30,000 1 source “Card transaction limit \| $10,000 / tx $15,000 / day \| $20,000 / tx $30,000 / day”[3] · help_center · captured 5 Sep 2026
ATM per day	$1,000 / day 1 source “ATM withdrawal limit6 \| $1,000 / tx $1,000 / day \| $1,000 / tx $5,000 / day”[3] · help_center · captured 5 Sep 2026
Spend per month	— not disclosedNo monthly limit set; daily $15,000

What we could not find

These figures matter for the score, and the issuer's public pages do not state them. Where we looked is listed under Sources.

Spend per month. No monthly limit set; daily $15,000

Sources

4 pages captured and stored with a checksum. Quotes above are matched against these snapshots by script.

metamask.io/en-GB/card · landing · 5 Sep 2026
support.metamask.io/trade/metamask-card/what-is-metamask-card/ · help_center · 5 Sep 2026
support.metamask.io/trade/metamask-card/limits-and-fees/ · help_center · 5 Sep 2026
support.metamask.io/trade/metamask-card/getting-started-with-card/ · help_center · 6 Sep 2026

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Access & funding

Regions: 45 countries
KYC: full
Top-up: Self-custody wallet delegation
Fiat: local
Assets: mUSD, USDC, USDT, wETH, EURe, GBPe
Form: virtual + physical
Wallets: Apple Pay, Google Pay

Risks to know

Self-custody. You hold the keys; losing them loses the balance.

Who is behind the card

Brand / programme: Consensys (MetaMask)
Infrastructure: Baanx
Issuer of record: — not disclosed
Licence: —
Network: Mastercard
Custody: Self-custody · self custody

1 source

“MetaMask has partnered with Crypto Life, a card program manager with Mastercard leading the way on web3 card initiatives.”[2] · help_center · captured 5 Sep 2026

Status

Now: Live
2 Jun 2026: Live— Metal Card orders paused since 2 June 2026; new sign-ups in the US and UK paused (date not stated)

“MetaMask has temporarily paused new Card sign-ups in the United States and the United Kingdom. Existing Card holders are not affected and can continue using their cards as usual.”support.metamask.io · captured 5 Sep 2026

Where you can get it

Global (non-US): 45 countries: AD, AR, AT, BE, BR, BG, CA, CL, CO, CR, HR, CY, DK, DO, SV, FI, FR, DE, GI, GR, GT, GG, HU, IS, IE, IM, IT, JE, LI, LU, MT, MX, MC, NL, NO, PA, PL, PT, RO, SK, SI, ES, SE, CH, UY
waitlist: US, GB

2 sources

“MetaMask Card is currently available in: Andorra, Argentina, Austria, Belgium, Brazil, Bulgaria, Canada, Chile, Colombia, Costa Rica, Croatia, Cyprus, Denmark, Dominican Republic, El Salvador, Finland, France, Germany, Gibraltar, Greece, Guatemala, Guernsey, Hungary, Iceland, Ireland, Isle of Man, Italy, Jersey, Liechtenstein, Luxembourg, Malta, Mexico, Monaco, Netherlands, Norway, Panama, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland, Uruguay.”metamask.io · landing · captured 5 Sep 2026

“Signups for MetaMask Card in the US and the UK are temporarily closed.”metamask.io · landing · captured 5 Sep 2026

Availability and terms by country ↓

Trust

Verified: 5 Sep 2026
Coverage: 7 of 9 key figures verified, 1 not disclosed, 1 where sources disagree
Confidence: B official sources only
Disclosure: help center
Source: metamask.io
Link: direct — pays us nothing

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Availability and terms by country

One row per country with a Cardefi hub, read from the issuer's own country lists. 45 countries are listed as available in total.

Country	Status	Issuer / licence
United States	Waitlistchecked 5 Sep 2026
United Kingdom	Waitlistchecked 5 Sep 2026
Germany	Availablechecked 5 Sep 2026
Spain	Availablechecked 5 Sep 2026
Brazil	Availablechecked 5 Sep 2026
Ireland	Availablechecked 5 Sep 2026
Netherlands	Availablechecked 5 Sep 2026
Portugal	Availablechecked 5 Sep 2026
Poland	Availablechecked 5 Sep 2026
Greece	Availablechecked 5 Sep 2026
Sweden	Availablechecked 5 Sep 2026
Austria	Availablechecked 5 Sep 2026
Switzerland	Availablechecked 5 Sep 2026
Canada	Availablechecked 5 Sep 2026
Belgium	Availablechecked 5 Sep 2026
Cyprus	Availablechecked 5 Sep 2026
Slovakia	Availablechecked 5 Sep 2026
Croatia	Availablechecked 5 Sep 2026
Bulgaria	Availablechecked 5 Sep 2026
Liechtenstein	Availablechecked 5 Sep 2026
Norway	Availablechecked 5 Sep 2026
Hungary	Availablechecked 5 Sep 2026
Iceland	Availablechecked 5 Sep 2026
Argentina	Availablechecked 5 Sep 2026
Mexico	Availablechecked 5 Sep 2026
Colombia	Availablechecked 5 Sep 2026
Chile	Availablechecked 5 Sep 2026
Panama	Availablechecked 5 Sep 2026
Guatemala	Availablechecked 5 Sep 2026
El Salvador	Availablechecked 5 Sep 2026
Dominican Republic	Availablechecked 5 Sep 2026
Andorra	Availablechecked 5 Sep 2026
Monaco	Availablechecked 5 Sep 2026

Questions about this card

Answers are generated from the verified fields on this page. A question is only shown when the figure behind it has a source.

What does MetaMask Card charge on foreign currency?: MetaMask Card adds 1.0% on transactions in a currency other than the account currency.
Does MetaMask Card charge an annual fee?: The annual fee for MetaMask Card is $0.
How much cashback does MetaMask Card pay?: MetaMask Card pays up to 1.0%, which is the highest rate any of its tiers reaches.
Does MetaMask Card work with Apple Pay or Google Pay?: MetaMask Card works with Apple Pay and Google Pay.
What does MetaMask Card charge at an ATM?: MetaMask Card charges 2.0% on ATM withdrawals. The ATM operator may add its own fee on top.
Who holds the funds behind MetaMask Card?: You do. MetaMask Card pulls funds from your own wallet when a transaction is authorised, so the balance stays in your custody until you spend it.
Does MetaMask Card require identity verification?: Yes. MetaMask Card requires full identity verification before the card can be used.