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Comparing Plutus Card and MetaMask Card on fees, cashback, custody, and where each card is available. All data is current for 2026.
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 Sweepbase vs 3.4/5 for Plutus. That gap shows up mostly in fees and feature coverage.
| Feature | ||
|---|---|---|
| Overview | ||
| Card type | Virtual + Physical | Virtual; Metal Physical |
| Network | Visa Debit | Mastercard Debit |
| Custody | Custodial | Self-custody |
| Costs | ||
| Issuance fee | GBP 9.99 physical card (optional) | Free |
| Annual fee | GBP 6.99/mo (Starter), GBP 9.99/mo (Everyday), GBP 19.99/mo (Premium) | Free |
| FX fee | 2.5% FX fee on foreign currency transactions | 0% foreign transaction fees (Mastercard standard rates only) |
| Rewards | ||
| Cashback | 3% (Tiers, cap GBP 250/mo) | 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 | IBAN yes (Netherlands EUR IBAN), SEPA yes, UK sort code/acct; SWIFT not disclosed | No |
| Daily spend limit | Based on tier (£250-£22000/month for 3% rate) | Based on wallet balance and spending caps |
| ATM withdrawal limit | €300/day, 1% + €1.35 fee per withdrawal | Not disclosed |
| Top-up methods | GBP fiat deposits from UK bank account | USDC, USDT, wETH on Linea network |
| Regions | UK and EEA only | 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 | Modulr FS Limited — UK (FCA FRN 900573); EEA via Modulr Finance B.V. (DNB R182870)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 |
| Get Plutus 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 Plutus where the issuer holds your funds. MetaMask also lets you earn yield on your deposits, something Plutus 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, Plutus 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 Plutus Card (3.4/5).
