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Comparing Xplace 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: Xplace at 4.6/5 vs MetaMask at 4.5/5. Xplace 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 Credit | Mastercard Debit |
| Custody | Self-custody | Self-custody |
| Costs | ||
| Issuance fee | Free | Free |
| Annual fee | Basic free; Silver $99/yr; Gold $249/yr; Platinum $999/yr (tier grid verified x.place 2026-07-22) | Free |
| FX fee | 1% FX on international transactions (Silver/Gold tiers); 0% FX on Platinum ($999/yr) | 0% foreign transaction fees (Mastercard standard rates only) |
| Rewards | ||
| Cashback | Up to 4% (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 | No | No |
| Daily spend limit | Based on collateral and tier | Based on wallet balance and spending caps |
| ATM withdrawal limit | Not available (no cash advances or ATM withdrawals) | Not disclosed |
| Top-up methods | 30+ Solana-based assets including SOL BTC ETH USDC USDT (collateral for borrowing) | USDC, USDT, wETH on Linea network |
| Regions | No published availability listNo published availability list - x.place documents geography only by exclusion. Operator: Pontech Group L.L.C-FZ; issuer Third National, named once in each of the US and international card terms, which is the same rail Hyperbeat runs on and the reason both publish an identical blocklist. Prohibited: Belarus, China, Cuba, India, Iran, Iraq, Israel, Myanmar, Nepal, Nicaragua, North Korea, Russia, Syria, Turkey, Ukraine, Venezuela, Vietnam. Its own two lists of barred US states disagree - 16 in the terms against 19 on the Prohibitions page. The 160+ figure is Visa acceptance rather than availability: the homepage reads Visa cards are accepted in 160+ countries | 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 policyNamed 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 Xplace Card | Get MetaMask Card | |
Xplace Card is the better card here. It works with Apple Pay and Google Pay, which is useful if you pay by phone. However, MetaMask may be better if you prefer self-custody need something it does better.
In short: Xplace Card (4.6/5) is the stronger option for most people compared to MetaMask Card (4.5/5).
