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Ledger Card vs MetaMask Card: 2026 Comparison

Comparing Ledger Card and MetaMask Card on fees, cashback, custody, and where each card is available.

Some cards on this page link to affiliate partners, and we may earn a commission if you sign up. The comparison verdict comes from our public scoring formula either way. Read our editorial disclosure.

The short version:

MetaMask scores 4.5/5 on the Sweepbase formula and Ledger scores 3.5/5, a gap of 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).

Ledger:
MetaMask:

Side by side

Side-by-side comparison of Ledger Card, MetaMask Card. Scroll horizontally to see all columns.
Feature

Ledger Card 3.5 out of 5, Sweepbase rating

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MetaMask Card 4.5 out of 5, Sweepbase rating

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Overview
Card typeVirtual + PhysicalVirtual; Metal Physical. New US and UK sign-ups paused, no date given
NetworkVisa Debit + Mastercard DebitMastercard Debit
CustodyHybrid: crypto on a Ledger signer stays in self-custody; once moved to the CL card account it is custodial, per Ledger's own FAQ Strength: Self-custody
Costs
Issuance fee Strength: Free Strength: Free
Annual fee Strength: Free Strength: Free
FX fee2% card spend fee on the crypto spent on every crypto-funded purchase
The fine print
  • UK cards carry no separate foreign-currency payment fee (UAB Monavate's UK fee document lists 0%), EEA foreign-currency fee not published, and the fee sheet separately lists 1.75% for crypto-to-fiat conversions without saying it applies to purchases
  • US cards: $0 on international point-of-sale purchases and $3 per international online purchase, plus the same 2% card spend fee
Cross-border fee 1% on the Free tier, defined by merchant location…
The fine print
  • … ("Using card with merchant located outside of cardholder country"), 0% on Metal
  • Conversion at Mastercard's rate with no separate FX markup
  • A second charge applies on both tiers: spending a stablecoin "denominated in currency not of cardholder country or merchant country" costs 0.5% (only Argentina is exempted, where the card is USD-denominated), so a Canadian or Mexican holder paying in USDC/mUSD at home pays 0.5%, not 1%
  • wETH spending costs 0.875%
  • Metal orders paused since 2 June 2026 and Metal was US-only (excluding Vermont), so the 0% tier cannot be ordered today
  • New sign-ups paused in the US and UK, no date given (the notice was live by 12 June 2026)
Rewards
Cashback Strength: 1% Strength: 1% (3% Metal, paused)
Yield on spendable balanceNoThe issuer pays yield, but in a separate product Strength: Yes
Access
Apple / Google Pay Strength: Yes (Apple Pay; Google Pay) Strength: Yes (Apple Pay; Google Pay)
Bank account in your nameNoNo
Daily spend limitUS: point-of-sale purchases up to $15,000 a day and total daily activity up to $10,000, per the account disclosures. UK and EEA: not published$10,000 per transaction and $15,000 a day on the Free tier; $20,000 and $30,000 on Metal
ATM withdrawal limitUS: $2.50 per domestic ATM withdrawal and $3 plus 2% abroad on the US Customer Fees sheet, which the account…
The fine print
  • … disclosures put at $3 plus 1.5%
  • Up to $2,000 a day and 5 withdrawals
  • UK: €2.50 per withdrawal in the UK and €3 plus 1.5% abroad on UAB Monavate's fee information document
  • Limit not published
  • EEA: not published
Not available to new cardholders: virtual cards outside the US cannot withdraw cash…
The fine print
  • … ("Virtual card users in other regions cannot withdraw cash from an ATM"), and US sign-ups and Metal orders are both paused
  • Existing US virtual and Metal holders: $1,000 per transaction
  • $1,000 a day on the Free tier and $5,000 a day on Metal
  • Fee 2% on the Free tier
  • Metal free up to $1,200 a month, then 2%
  • The ATM operator may add its own fee
Top-up methodsBTC, ETH, SOL, stablecoins and more from a Ledger signer through Ledger Wallet
The fine print
  • US accounts also take ACH and paycheck deposits
  • UK and EEA accounts take EUR and GBP bank transfers
mUSD, USDC, USDT, wETH, EURe and GBPe on Linea; USDC and USDT on Solana and Base; USDC on Monad
RegionsEEA, United Kingdom, USA, Canada, Switzerland, Colombia, Mexico, Brazil47 countries on the help centre: 23 of the 27 EU states plus Iceland, Liechtenstein, Norway, Switzerland, Andorra…
The fine print
  • … Monaco, Gibraltar, Guernsey, Jersey, Isle of Man, Canada, Bahrain, Oman and eleven Latin American markets
  • Not available in the USA or in the United Kingdom for new sign-ups
  • MetaMask gives no date for either pause, and the notice was already on its help-centre FAQ in a Wayback Machine capture of 12 June 2026
  • Existing holders unaffected
Behind the card
Card issuerMonavate Limited + UAB Monavate, UK (FCA 901097) + Lithuania (Bank of Lithuania); Cross River Bank, USA (New Jersey state-chartered)Named in the card termsMonavate 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
  • No issuance or annual fee
  • Cashback: 1%
  • Apple Pay and Google Pay
  • Virtual and physical
  • You hold the keys
  • No issuance or annual fee
  • Cashback: 1% (3% Metal, paused)
  • Spendable balance earns
  • Apple Pay and Google Pay
  • Virtual and physical
Trade-offs
  • Issuer holds your funds
Nothing flagged by these checks

Which scores higher

Nothing in the formula favours Ledger over MetaMask. What the formula cannot see is where you live and what you spend on: if Ledger is sold in your country and MetaMask is not, that settles it, and the Regions row above is where to check.

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Ledger 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.

Ledger Card: issuance Free, annual Free, FX 2% card spend fee on the crypto spent on every… MetaMask Card: issuance Free, annual Free, FX Cross-border fee 1% on the Free tier, defined by merchant… Neither card charges for issuance or annual membership, so the difference comes down to FX fees.

Ledger Card: 1% 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.

Ledger Card: Hybrid custody. MetaMask Card: Self-custody. MetaMask Card keeps your crypto in your own wallet until you spend it, so the issuer never controls your funds.

Ledger Card supports Apple Pay and Google Pay. MetaMask Card supports Apple Pay and Google Pay.

Ledger Card: Europe + USA. MetaMask Card: 47 countries. Check each card's detail page for the full country list.

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