MetaMask Card Review 2026

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 USDC, USDT, mUSD, or wETH across Linea, Base, Solana, and Monad with no pre-loading step (Solana is excluded for US cardholders). 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. The virtual card pays 1% across the board. FX runs at Mastercard's standard rate with no Baanx markup on either tier, which is genuinely rare in this category. Coverage: 49 US states (Vermont excluded), EU/EEA, UK, plus Argentina, Brazil, Mexico, Chile, Colombia, and around a dozen other LatAm and Caribbean markets. The honest gap is mUSD itself. Rewards plug into the MetaMask Rewards ecosystem (fee discounts, partner allocations) but there's no fiat redemption flow, so the dollar value depends on you wanting more on-chain spend. 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.