Side-by-side comparison of Fold 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:
Both cards score closely — Fold at 4.2/5 vs MetaMask at 4.2/5. Fold has a slight edge, but the best choice depends on your priorities.
| 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 Fold Card | Get MetaMask Card |
Fold Card is our pick in this matchup. Full Apple Pay and Google Pay support makes it practical for daily spending. However, MetaMask may be better if you prefer self-custody have specific feature requirements.
Bottom line: For most crypto card users, Fold Card (4.2/5) delivers better overall value than MetaMask Card (4.2/5).