Fold Card vs MetaMask Card: 2026 Comparison
Comparing Fold Card and MetaMask Card on fees, cashback, custody, and where each card is available.
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The short version:
MetaMask scores 4.5/5 on the Sweepbase formula and Fold scores 3.4/5, a gap of 1.1 points. The Strengths row in the table lists what each card is credited for. What moves the score for MetaMask: self-custody, no issuance or annual fee, 1% cashback (3% Metal, paused).
Fold:
MetaMask:
Side by side
| Feature | Fold Card 3.4 out of 5, Sweepbase rating Get card Fold Card | MetaMask Card 4.5 out of 5, Sweepbase rating Get card MetaMask Card |
|---|---|---|
| Overview | ||
| Card type | Virtual + Physical | Virtual; Metal Physical. New US and UK sign-ups paused, no date given |
| Network | Visa Prepaid Debit | Mastercard Debit |
| Custody | Custodial | Strength: Self-custody |
| Costs | ||
| Issuance fee | Strength: Free | Strength: Free |
| Annual fee | Free. Fold removed the Fold+ membership and its fee on 1 October 2026; the separate Fold Reserve balance that sets the rewards tier has no fee to hold | Strength: Free |
| FX fee | $3.00 per foreign transaction; waived for Fold Reserve members with a Reserve balance of $5,000 or more | Cross-border fee 1% on the Free tier, defined by merchant location…The fine print
|
| Rewards | ||
| Cashback | Strength: 0.25%, up to 3% with Fold Reserve | Strength: 1% (3% Metal, paused) |
| Yield on spendable balance | No | Strength: Yes |
| Access | ||
| Apple / Google Pay | Strength: Yes (Apple Pay; Google Pay) | Strength: Yes (Apple Pay; Google Pay) |
| Bank account in your name | No | No |
| Daily spend limit | $15,000 a day and per transaction; $50,000 a month | $10,000 per transaction and $15,000 a day on the Free tier; $20,000 and $30,000 on Metal |
| ATM withdrawal limit | $250 per withdrawal, $1,000 a day and $1,000 a month; $3.50 per withdrawal, waived for Fold Reserve members with a Reserve balance of $5,000 or more | Not available to new cardholders: virtual cards outside the US cannot withdraw cash…The fine print
|
| Top-up methods | Direct deposit to the card account's routing and account numbersThe fine print
| mUSD, USDC, USDT, wETH, EURe and GBPe on Linea; USDC and USDT on Solana and Base; USDC on Monad |
| Regions | USA only | 47 countries on the help centre: 23 of the 27 EU states plus Iceland, Liechtenstein, Norway, Switzerland, Andorra…The fine print
|
| Behind the card | ||
| Card issuer | Sutton Bank, USA (Ohio)Named in the card terms | Monavate 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 |
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| Trade-offs |
| Nothing flagged by these checks |
Which scores higher
Nothing in the formula favours Fold over MetaMask. What the formula cannot see is where you live and what you spend on: if Fold is sold in your country and MetaMask is not, that settles it, and the Regions row above is where to check.
Fold vs MetaMask: FAQ
MetaMask Card scores higher on the Sweepbase formula, at 4.5/5. What moves the score: self-custody, no issuance or annual fee, 1% cashback (3% Metal, paused). The formula does not know where you live or how you spend, so check availability and fees for your own case.
Fold Card: issuance Free, annual Free, $3.00 per foreign transaction. MetaMask Card: issuance Free, annual Free, FX Cross-border fee 1% on the Free tier, defined by merchant… You can compare total annual cost using our fee calculator.
Fold Card: 0.25%, up to 3% with Fold Reserve 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.
Fold Card: Custodial. MetaMask Card: Self-custody. MetaMask Card keeps your crypto in your own wallet until you spend it, so the issuer never controls your funds.
Fold Card supports Apple Pay and Google Pay. MetaMask Card supports Apple Pay and Google Pay.
Fold Card: USA. MetaMask Card: 47 countries. Check each card's detail page for the full country list.