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Comparing Ledger 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 4.5/5 vs Ledger at 4.2/5. MetaMask has a small lead, but which card works better depends on what you need.
| Feature | ||
|---|---|---|
| Overview | ||
| Card type | Virtual + Physical | Virtual; Metal Physical |
| Network | Visa Debit + Mastercard Debit | Mastercard Debit |
| Custody | Self-custody | Self-custody |
| Costs | ||
| Issuance fee | Free | Free |
| Annual fee | Free | Free |
| FX fee | 1.75% on non-base-currency transactions; plus 2% crypto-to-fiat spend fee on crypto-funded purchases (~3.75% all-in before cashback). | 0% foreign transaction fees (Mastercard standard rates only) |
| Rewards | ||
| Cashback | 1% | 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 | No | No |
| Daily spend limit | Based on verification and deposits | Based on wallet balance and spending caps |
| ATM withdrawal limit | €2000/day, €3 + 1.5% fee per withdrawal | Not disclosed |
| Top-up methods | Crypto from Ledger wallet; direct paycheck deposit via bank transfer | USDC, USDT, wETH on Linea network |
| Regions | EEA, United Kingdom, USA, Canada, Switzerland, Colombia, Mexico, Brazil | 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 | Monavate Limited + UAB Monavate — UK (FCA 901097) + Lithuania (Bank of Lithuania)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 | Nothing flagged by these checks |
| Get Ledger Card | Get MetaMask Card | |
MetaMask Card is the better card here. MetaMask also lets you earn yield on your deposits, something Ledger doesn't offer. It works with Apple Pay and Google Pay, which is useful if you pay by phone. However, Ledger may be better if you prefer self-custody need something it does better.
In short: MetaMask Card (4.5/5) is the stronger option for most people compared to Ledger Card (4.2/5).
