#12
Bybit Card
8.0/10
Ranked #11 of 32
Overview
The MetaMask Card is a genuinely self-custodial Mastercard debit card from Consensys (the company behind the MetaMask wallet), built with Mastercard and issuer partner Monavate (formerly Baanx). Unlike custodial exchange cards, your crypto stays in your own MetaMask wallet on Linea, Base, or Solana until the exact moment of purchase — MetaMask can't touch your funds without your transaction signature. It works at ~150 million Mastercard merchants worldwide with Apple Pay and Google Pay, and can even spend directly from Aave-wrapped yield-bearing tokens.
It comes in two tiers: a free Virtual card (1% cashback, 1% cross-border fee, $15K/day limit) and a premium Metal card ($199/year, 3% cashback on the first $10,000 spent annually then 1%, 0% FX, $30K/day, free ATM to $1,200/month). Cashback is paid in mUSD, MetaMask's 1:1 dollar-backed stablecoin — so it's stable, not a volatile token. You also earn separate MetaMask Rewards points (1 per $1). Important: US signups were paused in early June 2026 shortly after the nationwide launch — check current status before applying.
★ Metamask Card referral code
METAMA8982
Using Metamask Card's referral code at sign-up may unlock a welcome perk where the provider offers one. Availability and amounts are set by Metamask Card and vary by region — check their site for current terms.
Rating breakdown
How the Metamask Card scores across the categories we weigh into its overall 8.0/10.
Fees & value8.1
Rewards8.4
Ease of use7.8
Security & custody7.9
Availability7.6
Cashback & rewards
MetaMask Card pays cashback in mUSD, its own Ethereum-based stablecoin issued via Bridge (a Stripe company) and backed 1:1 by dollar-equivalent assets — so unlike token-based cards, the reward value is stable. The free Virtual tier earns 1% on all spend. The Metal tier ($199/year) earns 3% on the first $10,000 spent per year, then 1% above that, meaning the blended rate converges toward 1% for heavy spenders (at $5K/month it's about 1.33%). Separately, every purchase earns MetaMask Rewards points (1 per $1) redeemable for fee discounts and future ecosystem allocations — but these points live off-chain in MetaMask's system and could lose value if the program changes. Note some sources cite a 2% base rate; MetaMask's own site states 1% Virtual / 3% Metal.
| Tier | Requirement | Cashback | Monthly cap |
|---|---|---|---|
| Virtual | Free, no requirement | 1% mUSD | Uncapped at 1% |
| Metal | $199/year | 3% mUSD (first $10,000/yr, then 1%) | ~$300/yr max at 3% |
Fees & limits
A snapshot of the typical fee structure. Always verify the live figures before applying, as providers adjust these often.
| Fee | Typical amount |
|---|---|
| Monthly fee | $0 (Virtual free; Metal $199/year) |
| Card issuance | $Not specified |
| Card spend (USD)Fee on purchases made in US dollars | 0% (token conversion: 0% matching stablecoin, 0.5% mismatched, ~0.875% volatile) |
| FX fee (non-USD transactions)Charged when you spend in a currency other than USD | 1% cross-border (Virtual); 0% (Metal) |
| ATM withdrawals | Metal: free up to $1,200/mo then 2%; Virtual: 2% |
How to get the Metamask Card
- 1. Download the MetaMask app or visit metamask.io/card and sign in with your MetaMask wallet.
- 2. Confirm the card is available in your country (US signups were paused in June 2026 — verify status).
- 3. Complete KYC verification (government photo ID + selfie).
- 4. Fund your wallet with supported assets (mUSD, USDC, USDT, wETH, EURe, GBPe) on Linea, Base, or Solana.
- 5. Receive your virtual Mastercard instantly and add it to Apple Pay or Google Pay.
- 6. Optionally upgrade to the Metal card ($199/year) for 3% cashback, 0% FX, and higher limits.
Pros & cons
Pros
- Genuinely non-custodial, funds stay in your MetaMask wallet until you pay
- Cashback paid in mUSD, a stable 1:1 dollar-backed coin (not a volatile token)
- Metal tier offers 3% cashback and 0% foreign transaction fees
- Can spend directly from Aave yield-bearing tokens — a rare feature
- Works at ~150M Mastercard merchants; Apple Pay and Google Pay supported
- Multi-chain: Linea, Base, and Solana; deep integration for existing MetaMask users
- Instant virtual card issuance; freeze/replace controls in-app
Cons
- US signups paused since early June 2026 (Metal orders also paused) — verify status
- Metal's 3% cashback is capped at $10,000/year, so the blended rate falls toward 1%
- Virtual tier charges a 1% cross-border fee that offsets its 1% cashback abroad
- Token conversion fees apply for mismatched (0.5%) and volatile (0.875%) assets
- On-chain top-ups incur small gas fees; frequent reloads add up
- Card operations depend on issuer Monavate/Baanx — an added dependency
- MetaMask Rewards points are off-chain and could lose value if the program changes
Is It Worth It?
Best for existing MetaMask users who want to spend on-chain assets while keeping self-custody, and who value stable mUSD cashback over volatile token rewards. The Metal tier suits moderate spenders (up to ~$10K/year) who travel and benefit from 0% FX. A weaker fit for very heavy spenders (whose blended rate drops to 1%), anyone wanting a fully custody-free experience with no KYC, or US residents while signups remain paused.
Frequently asked questions
Does the MetaMask Card offer cashback?
Yes — 1% on the free Virtual card and 3% on the Metal card (first $10,000/year, then 1%), paid in mUSD, a stable dollar-backed coin. You also earn separate MetaMask Rewards points.
Is the MetaMask Card available in my country?
It's available across the US (49 states, not Vermont), EEA, UK, Switzerland, Canada, and parts of LATAM — but US signups were paused in early June 2026. Confirm current status in the app.
Does the MetaMask Card require KYC?
Yes. Government photo ID and a selfie are required to comply with KYC/AML rules.
Is the MetaMask Card custodial or self-custodial?
Non-custodial. Your crypto stays in your MetaMask wallet on Linea, Base, or Solana until the moment of purchase; MetaMask can't move funds without your signature.
What network does the MetaMask Card run on?
Mastercard, accepted at ~150M merchants, with Apple Pay and Google Pay. It's issued by Cross River Bank with Monavate (formerly Baanx) as card issuer.
What are the fees?
No annual fee on Virtual (Metal is $199/year). No MetaMask FX markup on Metal; Virtual has a 1% cross-border fee. Token conversion is 0% for matching stablecoins, 0.5% mismatched, ~0.875% volatile, plus small on-chain gas on top-ups.
