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Bleap Card vs MetaMask Card: 2026 Comparison

Comparing Bleap Card and MetaMask Card on fees, cashback, custody, and where each card is available.

Some cards on this page link to affiliate partners, and we may earn a commission if you sign up. The comparison verdict comes from our public scoring formula either way. Read our editorial disclosure.

The short version:

These two are close: Bleap at 4.7/5, MetaMask at 4.5/5. A 0.2-point gap is inside the formula's own rounding, so treat them as level. What moves the score for Bleap: self-custody, no issuance or annual fee, 1% cashback.

Bleap:
MetaMask:

Side by side

Side-by-side comparison of Bleap Card, MetaMask Card. Scroll horizontally to see all columns.
Feature

Bleap Card 4.7 out of 5, Sweepbase rating

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MetaMask Card 4.5 out of 5, Sweepbase rating

Get card MetaMask Card
Overview
Card typeVirtual + PhysicalVirtual; Metal Physical. New US and UK sign-ups paused, no date given
NetworkMastercard Standard, issued by Unlimit EU Ltd, an electronic money institution licensed by the Central Bank of Cyprus
The fine print
  • Bleap is the programme provider, not the issuer, and says so: "Bleap does not issue e-money, operate payment accounts, hold client assets or private keys, or provide custody"
  • The card terms name Bleap SIA of Latvia as the programme entity, while the wallet Terms of Service name Bleap Finance sp. z o.o. of Poland
Mastercard Debit
Custody Strength: Self-custody Strength: Self-custody
Costs
Issuance fee Strength: Free Strength: Free
Annual fee Strength: Free Strength: Free
FX fee Strength: 0% from Bleap: the EEA cardholder terms say Bleap charges no exchange fees, while…
The fine print
  • … "Mastercard scheme, network/FX rates, merchant or ATM fees and taxes may still apply"
  • The card spends USD or EUR balances (USDC, EURe)
  • Other currencies convert at the Mastercard rate
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)
Rewards
Cashback Strength: 1% Strength: 1% (3% Metal, paused)
Yield on spendable balanceNoThe issuer pays yield, but in a separate product Strength: Yes
Access
Apple / Google Pay Strength: Yes - Apple Pay and Google Pay; the virtual card provisions on activation, no physical card needed Strength: Yes (Apple Pay; Google Pay)
Bank account in your name Strength: SEPA: Yes - top-up and receipt at 0% (SEPA and SEPA Instant, fee schedule of 1 September 2026)
The fine print
  • IBAN: Yes - a dedicated IBAN in your own name issued by Monerium, rolled out gradually from the second quarter of 2026 per the help centre (31 August 2026)
  • EUR in by SEPA arrives as EURe, and outgoing transfers still show Bleap as sender during a transition period
No
Daily spend limit€10,000 per transaction, €15,000 a day and €30,000 over a rolling 30 days$10,000 per transaction and $15,000 a day on the Free tier; $20,000 and $30,000 on Metal
ATM withdrawal limitFree up to EUR 400 and 3 withdrawals per rolling 30 days…
The fine print
  • … (the card page repeats "up to €400/month in free ATM withdrawals")
  • Virtual cards cannot use ATMs - "If you attempt to use a virtual card at an ATM, the transaction will be declined" - because they carry no PIN, so cash needs the plastic card
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
Top-up methodsUSDC, USDT, other stablecoins; multi-chain supportmUSD, USDC, USDT, wETH, EURe and GBPe on Linea; USDC and USDT on Solana and Base; USDC on Monad
RegionsEEA and Switzerland per the cardholder terms of 28 June 2026 and the help centre, which refuses cards to anyone…
The fine print
  • … residing elsewhere and adds a restricted-nationality list that includes the United States
  • Availability inside the EEA is not uniform either: "residents of countries like Italy or Spain may not yet have access to Bleap cards"
  • Not available in the United Kingdom
  • Bleap's own card page contradicts the contract by naming a second, non-European region alongside the EEA in its FAQ, and a help article of 21 September 2026 opens accounts to residents of Brazil, but no card terms exist for anywhere outside the EEA and Switzerland, so the contract's scope stands
47 countries on the help centre: 23 of the 27 EU states plus Iceland, Liechtenstein, Norway, Switzerland, Andorra…
The fine print
  • … 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
Behind the card
Card issuerUnlimit EU Ltd, Cyprus (Central Bank of Cyprus EMI, company number HE 328641)Named in the card termsMonavate Limited + UAB Monavate, UK (FCA 901097) + Lithuania (Bank of Lithuania); Cross River Bank, USA (New Jersey state-chartered)Named in the card terms; Cross River Bank is inferred
Our read
Strengths
  • You hold the keys
  • No issuance or annual fee
  • FX fee of 0.5% or less
  • Cashback: 1%
  • Apple Pay and Google Pay
  • Bank account in your name
  • Virtual and physical
  • You hold the keys
  • No issuance or annual fee
  • Cashback: 1% (3% Metal, paused)
  • Spendable balance earns
  • Apple Pay and Google Pay
  • Virtual and physical
Trade-offsNothing flagged by these checksNothing flagged by these checks

Which scores higher

Bleap leads on the formula, but the score is a sum, and MetaMask wins some of its terms: the balance MetaMask spends from earns yield, and the one Bleap spends from does not. If one of those is the thing you care about, read that row above before the score.

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Bleap vs MetaMask: FAQ

Bleap Card scores higher on the Sweepbase formula, at 4.7/5. What moves the score: self-custody, no issuance or annual fee, 1% cashback. The formula does not know where you live or how you spend, so check availability and fees for your own case.

Bleap Card: issuance Free, annual Free, FX 0% from Bleap: the EEA cardholder terms say Bleap charges… MetaMask Card: issuance Free, annual Free, FX Cross-border fee 1% on the Free tier, defined by merchant… Neither card charges for issuance or annual membership, so the difference comes down to FX fees.

Bleap Card: 1% cashback. MetaMask Card: 1% cashback (3% Metal, paused). Rates can depend on tier, staking or caps, so check each card's page for the conditions.

Bleap Card: Self-custody. MetaMask Card: Self-custody. Bleap Card keeps your crypto in your own wallet until you spend it, so the issuer never controls your funds.

Bleap Card supports Apple Pay and Google Pay. MetaMask Card supports Apple Pay and Google Pay.

Bleap Card: Europe. MetaMask Card: 47 countries. Check each card's detail page for the full country list.

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