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Comparing KAST 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 rates 4.5/5, slightly ahead of KAST at 3.9/5. Both are solid options, but MetaMask is the better pick for most people.
| Feature | ||
|---|---|---|
| Overview | ||
| Card type | Virtual + Physical | Virtual; Metal Physical |
| Network | Visa Prepaid | Mastercard Debit |
| Custody | Custodial | Self-custody |
| Costs | ||
| Issuance fee | Standard: Free virtual + Free physical ($40 shipping only); Premium/Limited/Luxe: included | Free |
| Annual fee | $0 (K Card; was $20) | Free |
| FX fee | 0.5-1.75% FX on non-USD (varies by corridor); 0% FX promo Apr-Jun 2026 | 0% foreign transaction fees (Mastercard standard rates only) |
| Rewards | ||
| Cashback | ~5% (Tiers) | Up to 3% |
| Yield on spendable balance | NoThe issuer pays yield, but in a separate product | Yes |
| Access | ||
| Apple / Google Pay | Yes (Apple Pay; Google Pay) | Yes (Apple Pay; Google Pay) |
| Bank account in your name | US account/routing number available (ACH, FedWire); EU-style virtual accounts; IBAN/SEPA via partners, SWIFT-like via FedWire | No |
| Daily spend limit | Unlimited up to available balance | Based on wallet balance and spending caps |
| ATM withdrawal limit | $250 per withdrawal, $750/day max (3 withdrawals) | Not disclosed |
| Top-up methods | USDT, USDC, PYUSD, USDe, RLUSD stablecoins (0% spread); BTC, ETH, SOL, XRP, BNB + 20 cryptos (2-5% conversion) | USDC, USDT, wETH on Linea network |
| Regions | 183 countries available; 46 restricted including US states, Russia, China, Canada, Australia | 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 | Third National (Nimbus LLC) — USA — Puerto Rico money transmitter (NMLS #2612780); a subsidiary of Signify Holdings, Inc. ("Rain") per Rain's privacy policyInferred, not stated by the issuer | 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 KAST 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 KAST where the issuer holds your funds. MetaMask also lets you earn yield on your deposits, something KAST 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, KAST 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 KAST Card (3.9/5).
