MetaMask Card Review 2026
Reviewed: · against issuer documentation
How this rating is calculated · Algorithmic score, not user reviews
onTrustpilot(645 reviews)Independently reviewed by Mihail B. · how we verify
Get MetaMask CardCard 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 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.
MetaMask Card transforms your self-custody wallet into global spending power with the world's first Mastercard debit card enabling instant purchases directly from MetaMask. Earn 3% cashback in USDC with the premium Metal card or 1% with virtual, plus MetaMask Rewards points for every dollar spent, redeemable for fee discounts, token allocations, and exclusive airdrops. Built in partnership with Mastercard and Baanx on the Linea network, MetaMask Card maintains complete self-custody until transaction moment with zero foreign exchange fees. Perfect for MetaMask's 30+ million users who want DeFi flexibility with real-world utility, plus exclusive perks including up to 7% travel cashback and 60% hotel discounts.
Sweepbase verdict: For its up to 3% cashback rewards and true self-custody — your keys remain yours until the moment of purchase, MetaMask Card is one of the stronger picks in this space, which is why it appeals most to DeFi users and privacy-focused holders who want full control of their keys. That said, limited geographic availability is worth factoring in before you apply.
This is a Mastercard crypto card. It uses a self-custody model. It offers cashback rewards. Available to US residents. Available in Europe. Available in the UK.
Fees & Limits
| Issuance Fee | Free |
|---|---|
| Annual Fee | Free |
| FX Fee | 0% foreign transaction fees (Mastercard standard rates only) |
| ATM Limit | Not disclosed |
| Spending Limit | Based on wallet balance and spending caps |
These figures can change. Confirm the current fees, FX and network in MetaMask’s official terms before you apply.
Features
- Card Type: Virtual; Metal Physical
- Top up with: USDC, USDT, wETH on Linea network
- Available Countries: Andorra, Argentina, Austria, Belgium, Brazil, Bulgaria, Canada, Chile, Colombia, Costa Rica, Croatia, Cyprus, Denmark, Dominican Republic, Ecuador, 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, United Kingdom, United States, Uruguay
Banking & Fiat Rails
None — no IBAN/SEPA, pure self-custody crypto card
Supported Cryptocurrencies
You can load the MetaMask Card with 3 cryptocurrency tokens. When you pay, the card converts crypto to local fiat automatically.
Networks & deposit details: Linea, Base, Solana, Monad (USDC, USDT, mUSD, wETH, EURe, GBPe); Solana excluded in US
Who Is the MetaMask Card Best For?
The MetaMask Card is a good fit for DeFi users and privacy-focused holders who want to keep their own keys until they actually spend.
The MetaMask Card pays Virtual: 1% mUSD cashback; Metal Card ($199/year): 3% mUSD (first $10K/year, then 1%). Metal: 0% FX fees. cashback on eligible purchases, so it works well as a daily spending card.
The card is currently available in EU/EEA, United Kingdom, Argentina, Brazil, Canada, Chile, Colombia, Costa Rica, Dominican Republic, Ecuador, El Salvador, Guatemala, Mexico, Panama, Switzerland, Uruguay, so it works for residents and travellers in those areas.
Best for
- Frequent spenders who want to earn Virtual: 1% mUSD cashback; Metal Card ($199/year): 3% mUSD (first $10K/year, then 1%). Metal: 0% FX fees. cashback
- DeFi users who want to hold their own keys
- US residents who want a crypto spending card
- Budget-minded users (no issuance or annual fee)
Avoid if
- You need traditional bank integration (IBAN, SEPA, direct debits)
- You want a card backed by government deposit insurance (FDIC / FSCS)
Compare the MetaMask Card side-by-side with alternatives using the full card listing or explore our Mastercard crypto cards category.
Pros & Cons
Pros
- True self-custody spending from MetaMask wallet; 3% cashback on Metal card; MetaMask Rewards ecosystem; zero foreign transaction fees
- No card issuance fee
- No annual maintenance fee
- Works wherever Mastercard is accepted worldwide
- Self-custody: you keep your private keys until you spend
- Covers the European Economic Area (EEA)
Cons
- EU/UK only currently; requires Linea network; Metal card availability limited; must hold crypto on-chain
- Only available in certain regions
- Requires KYC identity verification
- Full KYC required, no anonymous tier
- No IBAN or bank account, prepaid only
How to Get the MetaMask Card
Here is what the sign-up process looks like, from application to first purchase.
Create a MetaMask account
~5 minutesGo to the MetaMask website or download the app. Sign up with your email, pick a password, and accept the terms. It's free.
Complete KYC verification
1–3 business daysUpload a government-issued photo ID (passport or national ID) and take a selfie. MetaMask verifies your identity under standard AML/KYC rules.
Fund your card
Usually instantOnce verified, load your card with USDC, USDT, wETH on Linea network through the funding screen. When you make a purchase, your crypto converts to local fiat at the current rate.
Start spending immediately
InstantYour virtual MetaMask Card shows up in the MetaMask app right away. Use it online or add it to Apple Pay / Google Pay for tap-to-pay in stores.
Requirements
Regional Availability
Available Across the EEA
The MetaMask Card covers all 27 EU member states plus Iceland, Liechtenstein, and Norway. If you're in the UK, check with the issuer about post-Brexit availability.
Key supported countries:
Frequently Asked Questions
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