MetaMask Card Review 2026

Name: MetaMask Card
Brand: Mastercard
Availability: InStock

Reviewed by Mihail B. in October 2026 · Data verified October 13, 2026 · how we verify

4.5 / 5.0Sweepbase rating

Algorithmic score, not user reviews: how it is calculated

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CustodySelf-custody

NetworkMastercard Debit

Cashback1% (3% Metal, paused)

Regions47 countries

Fees and limits

Issuance fee	Free
Annual fee	Free
FX fee	Cross-border fee 1% on the Free tier, defined by merchant location… The fine print … ("Using card with merchant located outside of cardholder country"), 0% on Metal Conversion at Mastercard's rate with no separate FX markup A second charge applies on both tiers: spending a stablecoin "denominated in currency not of cardholder country or merchant country" costs 0.5% (only Argentina is exempted, where the card is USD-denominated), so a Canadian or Mexican holder paying in USDC/mUSD at home pays 0.5%, not 1% wETH spending costs 0.875% Metal orders paused since 2 June 2026 and Metal was US-only (excluding Vermont), so the 0% tier cannot be ordered today New sign-ups paused in the US and UK, no date given (the notice was live by 12 June 2026)
ATM limit	Not available to new cardholders: virtual cards outside the US cannot withdraw cash… The fine print … ("Virtual card users in other regions cannot withdraw cash from an ATM"), and US sign-ups and Metal orders are both paused Existing US virtual and Metal holders: $1,000 per transaction $1,000 a day on the Free tier and $5,000 a day on Metal Fee 2% on the Free tier Metal free up to $1,200 a month, then 2% The ATM operator may add its own fee
Spending limit	$10,000 per transaction and $15,000 a day on the Free tier; $20,000 and $30,000 on Metal

Fees change; the current ones are in MetaMask’s terms.

Features

Cashback: 1% (3% Metal, paused)
The fine print
- Virtual (Free): 1% mUSD back on eligible transactions, no cap, claimed from the Card dashboard
- Metal ($199/year): 3% mUSD on the first $10,000 spent each year, then 1%, plus 0% cross-border fee
- Metal orders have been paused since 2 June 2026, so 1% is the rate anyone can get today
KYC: Yes
Card type: Virtual; Metal Physical. New US and UK sign-ups paused, no date given
Top up with: mUSD, USDC, USDT, wETH, EURe and GBPe on Linea; USDC and USDT on Solana and Base; USDC on Monad
Available countries: Andorra, Argentina, Austria, Bahrain, Belgium, Brazil, Bulgaria, Canada, Chile, Colombia, Costa Rica, Croatia, Cyprus…
Full list
… 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, Oman, Panama, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland, Uruguay

Who issues the MetaMask Card

The MetaMask Card has a different issuer depending on where you sign up. Each one is listed below with its own source.

The MetaMask Card is issued by Monavate Limited + UAB Monavate, UK (FCA 901097) + Lithuania (Bank of Lithuania). The issuer is named in the source linked below. MetaMask's card FAQ names Monavate as the card issuer and Baanx as the provider of the card, without naming a region. A Cross River binding for the US card is listed separately and is not confirmed.

Primary source · All cards issued by Monavate Limited + UAB Monavate · Why the issuer matters

MetaMask Card does not name its issuer outright, and on the documents we could reach, the sponsor appears to be Cross River Bank, USA (New Jersey state-chartered), inferred from the program manager and not stated by the issuer itself. US card, not confirmed by MetaMask. Its card FAQ names only Monavate as the issuer.

All cards issued by Cross River Bank · Why the issuer matters

Supported cryptocurrencies

You can load the MetaMask Card with crypto; the 3 assets we track for it are listed below.

Networks & deposit details: Linea, Base, Solana, Monad (Linea: mUSD, USDC, USDT, wETH, EURe, GBPe; Solana and Base: USDC, USDT; Monad: USDC)

The fine print

Solana and Monad not available in New York or Texas

USDCUSD CoinUSDTTetherSOLSolana

Pros and cons

Pros

✓
True self-custody spending from MetaMask wallet
The fine print
- 1% mUSD back on every eligible purchase, no cap
- Spends from Linea, Base, Solana or Monad
- Conversion at Mastercard's rate (the 1% cross-border and 0.5% stablecoin fees apply on top)
No card issuance fee
No annual maintenance fee

Cons

✗
US and UK sign-ups paused
The fine print
- Metal tier (3%, 0% cross-border) not orderable since 2 June 2026
- No ATM access for virtual cards outside the US
- 1% cross-border fee abroad and 0.5% on USD-stablecoin spending outside the US
- Must hold crypto on-chain
No IBAN or bank-account features

Regional availability

Available in 47 countries

47 countries on the help centre: 23 of the 27 EU states plus Iceland, Liechtenstein, Norway, Switzerland, Andorra, Monaco, Gibraltar, Guernsey, Jersey, Isle of Man, Canada, Bahrain, Oman and eleven Latin American markets. Not available in the USA or in the United Kingdom for new sign-ups; MetaMask gives no date for either pause, and the notice was already on its help-centre FAQ in a Wayback Machine capture of 12 June 2026; existing holders unaffected.

Card overview

The wallet you already use every day becomes the card. That's the pitch and it's the first time we've seen it work this cleanly. Spending pulls from mUSD, USDC, USDT, wETH, EURe or GBPe on Linea, USDC or USDT on Solana and Base, and USDC on Monad, with no pre-loading step (Solana and Monad are not supported in New York or Texas). The Metal tier at $199 a year pays 3% back in mUSD on the first $10,000 of annual spend, dropping to 1% after the cap, but Metal orders have been paused since 2 June 2026, so 1% is the rate anyone can get today.

The virtual card pays 1% across the board. Conversion is at Mastercard's rate with no separate markup, but the fee table charges 1% cross-border on the virtual card (0% on Metal) and 0.5% on both tiers when the stablecoin is not your country's or the merchant's currency, which means every USDC or mUSD purchase at home outside the US.

Coverage: 47 countries on the help centre, 23 EU states plus Iceland, Liechtenstein, Norway, Switzerland, Canada, Bahrain, Oman and eleven Latin American markets including Argentina, Brazil, Mexico, Chile and Colombia; new sign-ups are paused in the US and the UK with no date given. That leaves no ATM access for anyone joining today: virtual cards outside the US cannot withdraw cash at all. Rewards arrive as mUSD, MetaMask's dollar stablecoin, which the card can spend straight back; held in the MetaMask Money Account it earns a variable yield, shown in the app at 7.1% on 27 August 2026.

No IBAN, no SEPA. Good fit if you already hold balances on Linea or Base. Less compelling if your portfolio sits on chains that need bridging before each top-up.

Editor’s note by Mihail B. · Founder & Editor

Reviewed October 2026 Verified against issuer docs

Update 24 September 2026: Metal has taken no orders since 2 June 2026 and was US-only, US and UK sign-ups are paused, and a virtual card outside the US cannot withdraw cash, so the card you can get today is the free virtual one at 1% back with a 1% cross-border fee abroad. The MetaMask Card is the first self-custody card where the wallet I already used every day also became the card. Spending pulls from USDC or mUSD on Linea, no pre-loading step.
The Metal tier at $199 a year gets you 3% back in mUSD on the first $10K spent, and the Metal tier runs 0% cross-border fees, which is rare; the free virtual card pays 1% back and charges a 1% cross-border fee per the fee table. When I spent in Argentina and Brazil there was no markup beyond Mastercard's own rate. Virtual card cashback drops to 1% and mUSD is only useful if you spend it again inside the ecosystem. Good card if you already live on Linea.
Less compelling if you don't.

What we saw in the app

Taken in our own account. It shows the app screen on that day, not a purchase we made with the card.

The Money tab, 27 Aug 2026: 7.1% on mUSD, above the 4% published in July.

Common questions about the MetaMask Card

We do not collect user reviews. Answers come from the card terms, the issuer disclosure and the regulator registers we could reach, rechecked on the Data verified date above.

What are the fees for the MetaMask Card?

The one charge on the MetaMask Card is its FX fee: Cross-border fee 1% on the Free tier. No issuance or annual fee.

Is the MetaMask Card legit, and who is behind it?

The MetaMask Card has more than one issuer of record, by region. Monavate Limited + UAB Monavate, UK (FCA 901097) + Lithuania (Bank of Lithuania), named on support.metamask.io. MetaMask's card FAQ names Monavate as the card issuer and Baanx as the provider of the card, without naming a region. Cross River Bank, USA (New Jersey state-chartered), inferred from the program manager rather than stated by the issuer. US card, not confirmed by MetaMask. Its card FAQ names only Monavate as the issuer.

Is the MetaMask Card worth it?

What the MetaMask Card offers is its 1% cashback rewards and self-custody. That suits high spenders who will use a premium tier. Against it: US and UK sign-ups paused.

How does the MetaMask Card cashback work?

Virtual (Free): 1% mUSD back on eligible transactions, no cap, claimed from the Card dashboard. Metal ($199/year): 3% mUSD on the first $10,000 spent each year, then 1%, plus 0% cross-border fee. Metal orders have been paused since 2 June 2026, so 1% is the rate anyone can get today.