Weekly Crypto Card Intel — fee changes, new cards, cashback drops. Free.
Comparing Fold Card and MetaMask Card on fees, cashback, custody, and where each card is available. All data is current for 2026.
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The short version:
These two are close: MetaMask at 4.2/5 vs Fold at 4.1/5. MetaMask has a small lead, but which card works better depends on what you need.
MetaMask Card is the better card here. With self-custody, your crypto stays in your wallet until you actually spend it, unlike Fold where the issuer holds your funds. Zero fixed costs give MetaMask a cost advantage from day one. It works with Apple Pay and Google Pay, which is useful if you pay by phone. However, Fold may be better if you need something it does better.
In short: MetaMask Card (4.2/5) is the stronger option for most people compared to Fold Card (4.1/5).
| Features |  Fold Card |  MetaMask Card |
|---|---|---|
| Virtual + Physical | Virtual + Physical | |
| Custodial | Self-custody | |
| Visa Credit Card | Mastercard Debit | |
| Free | Free | |
| Fold+: varies by tier | Free | |
| No foreign transaction fees, standard Visa rates | 0% foreign transaction fees (Mastercard standard rates only) | |
| Up to 2% back in Bitcoin (Fold+ members); Standard: 1.5% BTC + up to $100 bonus. Up to 20% on gift cards and merchant boosts. | Virtual: 1% mUSD cashback; Metal Card ($199/year): 3% mUSD (first $10K/year, then 1%). Metal: 0% FX fees. | |
| Based on creditworthiness | Based on wallet balance and spending caps | |
| $250/transaction, $1000/day, $1000/month; $2.50 fee (free for Fold+) | Not disclosed | |
| Link bank account for USD funding; Bitcoin purchases | 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 Card | Get Card |