Xplace Card vs MetaMask Card: 2026 Comparison
Comparing Xplace 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:
These two are close: Xplace at 4.6/5, MetaMask at 4.5/5. A 0.1-point gap is inside the formula's own rounding, so treat them as level. What moves the score for Xplace: self-custody, up to 2% cashback.
Xplace:
MetaMask:
Side by side
| Feature | Xplace Card 4.6 out of 5, Sweepbase rating Get card Xplace Card | MetaMask Card 4.5 out of 5, Sweepbase rating Get card MetaMask Card |
|---|---|---|
| Overview | ||
| Card type | Virtual + Physical. Physical cards are live for Silver; Gold and Platinum physical cards are coming soon | Virtual; Metal Physical. New US and UK sign-ups paused, no date given |
| Network | Visa Credit | Mastercard Debit |
| Custody | Strength: Self-custody | Strength: Self-custody |
| Costs | ||
| Issuance fee | Strength: Free | Strength: Free |
| Annual fee | Basic free; Silver $99/yr; Gold $249/yr; Platinum $999/yr | Strength: Free |
| FX fee | 1% on Basic, 0.5% on Silver, 0.25% on Gold, 0% on Platinum ($999/yr) | Cross-border fee 1% on the Free tier, defined by merchant location…The fine print
|
| Rewards | ||
| Cashback | Strength: Up to 2% (Tiers) | Strength: 1% (3% Metal, paused) |
| Yield on spendable balance | NoThe 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 name | No | No |
| Daily spend limit | Based on collateral and tier | $10,000 per transaction and $15,000 a day on the Free tier; $20,000 and $30,000 on Metal |
| ATM withdrawal limit | Not available (no cash advances or ATM withdrawals) | Not available to new cardholders: virtual cards outside the US cannot withdraw cash…The fine print
|
| Top-up methods | BTC (cbBTC), ETH (wETH), SOL, JitoSOL, USDC, USDT and xStocks tokenized equities on Solana (collateral for borrowing) | mUSD, USDC, USDT, wETH, EURe and GBPe on Linea; USDC and USDT on Solana and Base; USDC on Monad |
| Regions | No published availability list - x.place documents geography only by exclusionThe fine print
| 47 countries on the help centre: 23 of the 27 EU states plus Iceland, Liechtenstein, Norway, Switzerland, Andorra…The fine print
|
| 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); Cross River Bank, USA (New Jersey state-chartered)Named in the card terms; Cross River Bank is inferred |
| Our read | ||
| Strengths |
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|
| Trade-offs | Nothing flagged by these checks | Nothing flagged by these checks |
Which scores higher
Xplace leads on the formula, but the score is a sum, and MetaMask wins some of its terms: the balance MetaMask spends from earns yield, and the one Xplace spends from does not; MetaMask charges nothing to issue or hold the card, and Xplace does. If one of those is the thing you care about, read that row above before the score.
Xplace vs MetaMask: FAQ
Xplace Card scores higher on the Sweepbase formula, at 4.6/5. What moves the score: self-custody, up to 2% cashback. The formula does not know where you live or how you spend, so check availability and fees for your own case.
Xplace Card: issuance Free, annual Basic free, FX 1% on Basic, 0.5% on Silver, 0.25% on Gold, 0% on Platinum… MetaMask Card: issuance Free, annual Free, FX Cross-border fee 1% on the Free tier, defined by merchant… You can compare total annual cost using our fee calculator.
Xplace Card: Up to 2% 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.
Xplace Card: Self-custody. MetaMask Card: Self-custody. Xplace Card keeps your crypto in your own wallet until you spend it, so the issuer never controls your funds.
Xplace Card supports Apple Pay and Google Pay. MetaMask Card supports Apple Pay and Google Pay.
Xplace Card: no published availability list. MetaMask Card: 47 countries. Check each card's detail page for the full country list.