MetaMask Card Review

Our MetaMask Card review

The MetaMask Card, a Mastercard debit card, lets you spend crypto directly from your MetaMask wallet. Your tokens remain in your wallet until you make a payment. At checkout, the amount is converted to your local currency. Crypto Life (Baanx) manages the card program, and MetaMask lists Monavate as the issuer, though the FAQ spells it Monovate.

In our view it is the most direct way to spend self-custodied crypto among the cards we compare, and the free Virtual card pays 1% back in mUSD. The Metal tier with the higher rate takes no new orders at the moment, and new sign-ups depend on where you live.

How the card works

To use the card, you must approve a spending limit from your MetaMask wallet on Linea, Base, Solana, or Monad. When you make a payment, the card draws the amount from your wallet and converts it to your local currency. You can spend mUSD, wETH, EURe, GBPe, USDC, and USDT, with support for Apple Pay or Google Pay for contactless payments. A small, variable network gas fee applies, usually $0.01.

The MetaMask app holds a rating of 4.74 from 76,477 ratings on the US App Store and 4.5 on Google Play. As a debit card, it requires no credit check. However, you must verify your identity through a KYC process, and users are limited to one MetaMask Card each.

Rewards

The free Virtual card earns 1% back in mUSD, MetaMask's stablecoin, on every purchase. For the Metal tier, the reward is 3% mUSD back on the first $10,000 spent annually and 1% thereafter. Rewards are automatically deposited as mUSD to your MetaMask Money Account. Booking hotels through MetaMask Card Travel adds 4% mUSD back at checkout.

Metal costs $199 per year, renews automatically, and includes a physical metal card. Since June 2, 2026, orders for the Metal card are on hold, so only the Virtual card is available for new users.

Fees

There is no annual fee for the Virtual card. What you pay varies by token:

• No fee for a stablecoin in your local currency
• 0.5% for a stablecoin in a currency not from your country or the merchant's
• No fee for DeFi or yield tokens like aUSDC up to $1,200 monthly, then 0.5%
• 0.875% for other crypto like wETH

The Metal tier exempts you from foreign fees. According to MetaMask's support site, there is a 1% cross-border fee for transactions made with the free Virtual card when the merchant is located outside your country. Replacing a Metal card costs $99. The Virtual card permits up to $10,000 per transaction and $15,000 daily.

Who can get it

New sign-ups are available in most European countries, Switzerland, Canada, Brazil, and parts of Latin America. The Czech Republic, Estonia, Latvia, and Lithuania are not on the list. MetaMask has temporarily halted new card sign-ups in the US. Existing US cardholders can continue using their cards, with ATM withdrawals limited to them.

Who it is for

We believe the MetaMask Card is appropriate for users in Europe, Canada, and Latin America who already possess stablecoins in MetaMask and wish to spend them directly, avoiding the need to transfer them to an exchange. It is less suitable for those spending volatile tokens due to conversion fees or who require cash withdrawals.

Two cards available in the US are detailed in the Coinbase Card review and the KAST Card review. In Europe, the Bybit Card review covers an exchange card offering 1% cashback for each user.

For more on the wallet itself, see our MetaMask review. To compare all cards, visit our crypto card comparison or the list of crypto debit cards.