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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:
MetaMask scores 4.5/5 on Sweepbase vs 3.6/5 for Fold. That gap shows up mostly in fees and feature coverage.
| Feature | ||
|---|---|---|
| Overview | ||
| Card type | Virtual + Physical | Virtual; Metal Physical |
| Network | Visa Debit + Visa Bitcoin Rewards Credit Card | Mastercard Debit |
| Custody | Custodial | Self-custody |
| Costs | ||
| Issuance fee | Free | Free |
| Annual fee | Fold+: $8.33/month ($100/year); standard plan: free | Free |
| FX fee | No foreign transaction fees, standard Visa rates | 0% foreign transaction fees (Mastercard standard rates only) |
| Rewards | ||
| Cashback | Up to 2% | Up to 3% |
| Yield on spendable balance | No | Yes |
| Access | ||
| Apple / Google Pay | Yes (Apple Pay; Google Pay) | Yes (Apple Pay; Google Pay) |
| Bank account in your name | No | No |
| Daily spend limit | Based on creditworthiness | Based on wallet balance and spending caps |
| ATM withdrawal limit | $250/transaction, $1000/day, $1000/month; $2.50 fee (free for Fold+) | Not disclosed |
| Top-up methods | Link bank account for USD funding; Bitcoin purchases | USDC, USDT, wETH on Linea network |
| Regions | USA only | 45 countries per metamask.io/card, 47 on the help centre which adds Bahrain and Oman: 23…45 countries per metamask.io/card, 47 on the help centre which adds Bahrain and Oman: 23 of the 27 EU states plus Iceland, Liechtenstein, Norway, Switzerland, Andorra, Monaco, Gibraltar, Guernsey, Jersey, Isle of Man, Canada and nine Latin American markets. Not available in the USA or in the United Kingdom - new sign-ups are closed in both and MetaMask publishes no date for either pause; existing holders unaffected |
| 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)Inferred, not stated by the issuer |
| Our read | ||
| Strengths |
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| Trade-offs |
| Nothing flagged by these checks |
| Get Fold Card | Get MetaMask Card | |
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. MetaMask also lets you earn yield on your deposits, something Fold doesn't offer. 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 (4.5/5) is the stronger option for most people compared to Fold Card (3.6/5).
