Side-by-side comparison of MetaMask Card and Gemini Credit 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:
Gemini Credit edges ahead with a 4.7/5 rating compared to MetaMask's 4.2/5. While both cards have merit, Gemini Credit delivers better value for most users.
| Features |  MetaMask Card |  Gemini Credit Card |
|---|---|---|
| Virtual + Physical | Virtual + Physical | |
| Self-custody | Custodial | |
| Mastercard Debit | Mastercard Credit | |
| Free | Free | |
| Free | Free | |
| 0% foreign transaction fees (Mastercard standard rates only) | 0% foreign transaction fees (2.49% applies only to crypto purchases on Gemini exchange | |
| Virtual: 1% mUSD cashback; Metal Card ($199/year): 3% mUSD (first $10K/year, then 1%). Metal: 0% FX fees. | 4% on gas, 3% on dining, 2% on groceries, 1% on everything else. 4% category capped at $200/month spend. Cashback auto-converts to crypto of choice (50+ options). APR 18.99-34.99%. | |
| Based on wallet balance and spending caps | Cash advance only; 3% + $10 fee, 29.99% APR | |
| Not disclosed | Referral: $50 per friend + $250 bonus per 5 referrals (up to $5000/year) | |
| USDC, USDT, wETH on Linea network | not card FX) | |
| USA, EU/EEA, United Kingdom, Argentina, Brazil, Canada, Chile, Colombia, Costa Rica, Dominican Republic, Ecuador, El Salvador, Guatemala, Mexico, Panama, Switzerland, Uruguay | USA only | |
| Get MetaMask Card |
Gemini Credit Card is our pick in this matchup. Gemini Credit also lets you earn yield on your deposits, something MetaMask doesn't offer. 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, Gemini Credit Card (4.7/5) delivers better overall value than MetaMask Card (4.2/5).