Side-by-side comparison of BitPay Card and MetaMask Card — fees, cashback rates, custody models, and regional availability. Updated for 2026 with our editorial verdict based on real data from both issuers.
Quick Verdict:
MetaMask is the clear winner in this matchup with a Sweepbase rating of 4.2/5 vs 3.4/5. It offers a stronger overall package across fees, features, and user experience.
| Features |  BitPay Card |  MetaMask Card |
|---|---|---|
| Virtual only | Virtual + Physical | |
| Custodial | Self-custody | |
| Mastercard Standard | Mastercard Debit | |
| Free | Free | |
| Free | Free | |
| 0% foreign transaction fees, Mastercard standard conversion rates | 0% foreign transaction fees (Mastercard standard rates only) | |
| None (previously had promotional offers) | Virtual: 1% mUSD cashback; Metal Card ($199/year): 3% mUSD (first $10K/year, then 1%). Metal: 0% FX fees. | |
| Based on loaded balance | Based on wallet balance and spending caps | |
| Not available (virtual only) | Not disclosed | |
| BTC, ETH, LTC, BCH, DOGE, DAI, USDC, USDT (8+) | USDC, USDT, wETH on Linea network | |
| USA only | USA, EU/EEA, United Kingdom, Argentina, Brazil, Canada, Chile, Colombia, Costa Rica, Dominican Republic, Ecuador, El Salvador, Guatemala, Mexico, Panama, Switzerland, Uruguay | |
| Get BitPay Card | Get MetaMask Card |
MetaMask Card is our pick in this matchup. The self-custody model means your crypto stays in your own wallet until the moment of purchase — a critical advantage over BitPay's custodial approach. Full Apple Pay and Google Pay support makes it practical for daily spending. However, BitPay may be better if you have specific feature requirements.
Bottom line: For most crypto card users, MetaMask Card (4.2/5) delivers better overall value than BitPay Card (3.4/5).