MetaMask Card Review — Self-Custodial Mastercard Crypto Debit Card (1–3% mUSD Cashback)

Overview

The MetaMask Card is a self-custodial crypto debit card issued by MetaMask (ConsenSys) on the Mastercard network. It is the only major card that spends directly from your MetaMask wallet — your crypto stays in self-custody until the moment of payment, eliminating the need for centralized exchanges, top-ups to a separate card balance, or third-party platforms.

Cardholders can choose between two tiers:

Virtual Card — a free digital-only card that can be activated instantly. 1% mUSD back on every purchase, $15,000/day spend limit, $1,000/day ATM limit.
Metal Card — a premium physical card for $199/year. 3% mUSD back on the first $10,000 of annual spend (then 1%, capped at $1,200/month), $30,000/day spend limit, $5,000/day ATM limit, no foreign transaction fees, and free ATM withdrawals.

Spending happens via direct connection to your MetaMask wallet on Linea, Base, Monad and Solana networks. Crypto is converted to the local currency at checkout at Mastercard's rates — no centralized exchange, no manual top-up, no third-party intermediary.

MetaMask Card currently supports six spendable assets: mUSD, wETH, EURe, GBPe, USDC and USDT. Tap-to-pay is supported via Apple Pay and Google Pay.

Available across 47+ countries in Europe, Latin America, Canada and select other markets. The Metal Card is now available in the US; Virtual Card signups in the US and UK are temporarily closed (a waitlist is open).

True self-custody model

Unlike custodial crypto cards that hold your funds in a card program account, MetaMask Card uses your wallet's private keys for non-custodial security. Your crypto sits in the wallet until the moment of payment — you only convert what you spend, exactly when you spend it. Cardholders can instantly freeze or replace the card, get transaction alerts, and monitor activity in the MetaMask app.

MetaMask's card is the flagship self-custodial option, which puts it directly against the Ledger CL Card and the OKX Card for anyone who would rather spend from their own wallet than an exchange balance. Compare all three in our crypto cards directory.

Features & Benefits

Seamless spending directly from your wallet

Tap-to-pay with mUSD, wETH, EURe, GBPe, USDC and USDT via Apple Pay or Google Pay.
Everywhere Mastercard is accepted — 150M+ merchants worldwide.
Crypto-to-local-currency conversion at Mastercard's rates with no additional MetaMask fees.

Full custody until the moment you pay

Go bankless and maintain self-custody of your tokens until you actually transact.
Uses your wallet's private keys for non-custodial security — no card balance to top up separately.
Instant freeze or replace the card, real-time transaction alerts, all in MetaMask.

One-tap funding

Deposit and manage your card funds directly inside the MetaMask mobile app.
Card automatically links to your MetaMask wallet on supported chains — no manual setup, just choose your funding account and token during onboarding.
Switch funding sources or permissions anytime via MetaMask Card Settings.

Supported chains

Linea — Ethereum L2 by ConsenSys (primary mUSD funding chain)
Base — Coinbase L2
Monad — high-throughput L1
Solana — fast L1

mUSD cashback

1% mUSD back with every Virtual Card transaction.
3% mUSD back with every Metal Card transaction on the first $10,000 of annual spend, then 1% (max $1,200/month).
Cashback is auto-deposited as mUSD to your MetaMask Money Account, where it can earn up to 6% APY (variable, not guaranteed).

DeFi rewards

Coinmunity Cashback on Linea — boosted yield on Linea activity.
Boosted yield on Aave — earn an extra APY bonus when you lend via Aave through MetaMask.

Lifestyle benefits

Blackbird $FLY — 5X (Virtual) or 7X (Metal) $FLY token bonus at the best US restaurants, plus exclusive Blackbird dining experiences.
Hotel discounts — up to 60% off premium hotels worldwide + 4% off at checkout on hotel bookings via MetaMask Travel, plus extra cashback on bookings made with the card.

Configurable spending limits

Set daily, weekly or monthly spending limits from the MetaMask Card tab via Manage Limits.
Pause or adjust limits anytime to control spending and crypto exposure.
Available across all supported regions.

Supported Cryptocurrencies

MetaMask Card currently supports six spendable tokens across four supported chains. Funding happens directly from your MetaMask wallet — no exchange top-ups or debit rails required.

Spendable tokens

mUSD — MetaMask USD stablecoin (primary cashback payout currency, native to Linea)
wETH — Wrapped Ether (Ethereum on L2s)
EURe — Monerium EUR Money (e-money token redeemable 1:1 for EUR)
GBPe — Monerium GBP Money (e-money token redeemable 1:1 for GBP)
USDC — USD Coin (Circle stablecoin)
USDT — Tether (most widely used stablecoin)

Supported funding chains

Linea — Ethereum L2 developed by ConsenSys (primary mUSD chain)
Base — Coinbase L2
Monad — high-throughput L1
Solana — fast L1 with low fees

During onboarding you choose your funding account and token (e.g. mUSD on Linea, USDC on Base). You can switch funding sources or chain permissions at any time from MetaMask Card Settings.

Supported fiat (auto-conversion)

EUR — Euro (EURe natively redeemable for EUR)
GBP — Pound Sterling (GBPe natively redeemable for GBP)
USD — US Dollar (mUSD / USDC conversion)
Local currencies at 150M+ Mastercard merchants worldwide

Fees & Limits

MetaMask Card fee schedule at a glance

Feature	Virtual (Free)	Metal ($199/yr)
Issuance fee	FREE	$199/year
mUSD cashback	1% on every purchase	3% on first $10,000/yr spend, then 1% (max $1,200/month)
Daily spending limit	$15,000 / day	$30,000 / day
ATM daily limit	$1,000 / day	$5,000 / day
Form factor	Digital card only	Physical Metal card
Foreign transaction fees	Converted at Mastercard rates, no MetaMask markup	No foreign transaction fees
ATM withdrawals	Standard Mastercard ATM fees apply	Free ATM withdrawals (up to $1,200/month)

Conversion & network fees

Crypto-to-fiat conversion: Uses Mastercard's live exchange rate at the moment of purchase. MetaMask applies no additional conversion fee on top of Mastercard's rate.
Network gas: Standard network gas fees on the funding chain (Linea / Base / Monad / Solana) apply at the moment of spend — Linea and Base keep these costs low.
No card top-up fees: Because the card spends directly from the wallet, there's no separate top-up or load fee — you only convert what you spend.

Money Account APY

mUSD cashback and the optional MetaMask Money Account can earn up to 6% APY (variable, not guaranteed).

Always-on limits & control

Daily / weekly / monthly limits configurable inside MetaMask Card tab.
Instant card freeze or replace from the app.
Real-time transaction alerts to monitor activity.

Pros & Cons

Pros

True self-custody — funds stay in your MetaMask wallet until the moment of payment; no third-party platform or exchange holds your balance
Connects directly to MetaMask wallet on Linea, Base, Monad and Solana — no card top-up or pre-funded balance required
150M+ Mastercard merchants worldwide with crypto-to-local-currency conversion at Mastercard's rates
1% mUSD cashback on the free Virtual card, 3% mUSD cashback on the Metal card (first $10k/year spend, max $1,200/month)
Cashback auto-deposits as mUSD into the MetaMask Money Account where it can earn up to 6% APY (variable)
Apple Pay and Google Pay supported for tap-to-pay everywhere
No foreign transaction fees on the Metal card; free ATM withdrawals up to $1,200/month on Metal
Free virtual card with instant activation — start spending immediately after onboarding
Rich lifestyle perks via Blackbird dining (up to 7X $FLY) and up to 60% off premium hotels through MetaMask Travel
Configurable daily / weekly / monthly spending limits with instant card freeze from the app

Cons

Metal card costs $199/year — a steep entry price compared to wallet competitors that ship a metal card for free
Top-tier 3% cashback drops to 1% after the first $10,000 of annual spend ($1,200/month payout cap)
Cashback is paid in mUSD (MetaMask USD stablecoin), not in BTC/ETH or fiat — limited secondary utility outside the Linea ecosystem
US and UK Virtual Card signups are temporarily closed (waitlist only); the Metal Card is currently available in the US only
Only six spendable tokens supported at launch — far fewer than custodial competitor cards
Self-custody means you must keep your wallet funded and your funding chain's gas topped up — failed transactions can occur if wallet balance / gas is insufficient at point of sale
No explicit statement on international ATM withdrawal markup outside the Metal card's free-ATM perk

Frequently Asked Questions

What is the MetaMask Card?

MetaMask Card is a self-custodial crypto debit card on the Mastercard network. It lets you spend crypto directly from your MetaMask wallet anywhere Mastercard is accepted — at 150M+ merchants worldwide. Your crypto is converted to the local currency at checkout at Mastercard's rates, eliminating the need for centralized exchanges or third-party platforms. You keep custody of your funds until the moment of payment.

What's the difference between the Virtual and Metal cards?

The Virtual Card is a free, digital-only card activated instantly. It earns 1% mUSD cashback, has a $15,000/day spending limit and a $1,000/day ATM limit. The Metal Card is a premium physical card for $199/year. It earns 3% mUSD cashback on the first $10,000 of annual spend (then 1%, max $1,200/month), has a $30,000/day spending limit, a $5,000/day ATM limit, no foreign transaction fees, and free ATM withdrawals up to $1,200/month.

Which networks and tokens does the MetaMask Card support?

The card connects directly to your MetaMask wallet on Linea, Base, Monad and Solana. It currently supports six spendable tokens: mUSD, wETH, EURe, GBPe, USDC and USDT. You choose your funding account and token (e.g. mUSD on Linea) during onboarding, and can switch sources anytime in Card Settings.

Do I keep custody of my crypto with MetaMask Card?

Yes. MetaMask Card uses your wallet's private keys for non-custodial security. Your crypto stays in self-custody in your MetaMask wallet until the moment of payment — unlike custodial cards that hold funds in a separate card program account. You can instantly freeze or replace the card, get transaction alerts, and monitor activity in the MetaMask app.

Where is the MetaMask Card available?

MetaMask Card is available across 47+ countries including most of the EEA, Andorra, Argentina, Austria, Belgium, Brazil, Bulgaria, Canada, Chile, Colombia, Costa Rica, Croatia, Cyprus, Denmark, Dominican Republic, El Salvador, Finland, France, Germany, Gibraltar, Greece, Guatemala, Guernsey, Hungary, Iceland, Ireland, Isle of Man, Italy, Jersey, Liechtenstein, Luxembourg, Malta, Mexico, Monaco, Netherlands, Norway, Panama, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland and Uruguay. The Metal Card is available in the US; US and UK Virtual Card signups are temporarily closed — a waitlist is open for these regions.

How does the mUSD cashback work?

You earn mUSD back on every card purchase: 1% on the Virtual Card, 3% on the Metal Card (on the first $10,000 of annual spend, then 1%, with a $1,200/month payout cap). Cashback is auto-deposited as mUSD to your MetaMask Money Account, where it can earn up to 6% APY (variable, not guaranteed).

Can I add the MetaMask Card to Apple Pay or Google Pay?

Yes — the card supports tap-to-pay with mUSD, wETH, EURe, GBPe, USDC and USDT via Apple Pay and Google Pay. You can fund the wallet-side balance with any of these tokens and pay contactless in stores.

How do I get a MetaMask Card?

If you're in a supported country, open the Card tab in the MetaMask app, fill in your details and select your funding wallet and token. Your Virtual Card is activated instantly. After Virtual Card approval you can preorder a Metal Card from the app, which is then shipped securely to your verified address and can be activated in one tap.

Does MetaMask Card work internationally?

Yes. The card works globally wherever Mastercard is accepted (150M+ merchants). Crypto is converted to the local currency at Mastercard's rates with no additional MetaMask markup. Metal Card holders also get no foreign transaction fees and free ATM withdrawals up to $1,200/month.

MetaMask Card