MetaMask Card is one of the first truly self-custodial crypto debit cards, letting you spend stablecoins and wETH directly from your MetaMask wallet anywhere Mastercard is accepted without preloading to an exchange. The free Virtual tier gives 1% cashback in mUSD with simple setup, while the Metal tier (US-only for now, $199/year) adds a physical metal card, up to 3% cashback on the first $10k per year, no FX fees and free ATM withdrawals up to $1,200/month. The trade-offs are a complex token-fee matrix, region-limited Metal availability, and a curated token list, so it best fits active MetaMask users who already manage funds on-chain and want to spend them in daily life.
The MetaMask Card is a debit mastercard card linked to your MetaMask account. You can spend stablecoins directly. Top up via crypto, then spend anywhere mastercard is accepted. Earn 1% cashback in mUSD on all eligible purchases. cashback on purchases.
Showing fees for Virtual tier.
| Fee Type | Amount |
|---|---|
| Annual Fee | $0 |
| Monthly Fee | $0 |
| Conversion Fee | 0–0.875% token fee depending on asset: 0% for local-currency stablecoins, 0.5% for non-local stablecoins, 0.875% for wETH. DeFi tokens free up to $1,200/month then 0.5%. |
| Foreign Exchange Fee | 1% cross-border surcharge when paying merchants outside your cardholder country. |
| Top-up Fee | No fee to delegate funds from MetaMask wallet; small variable network gas fee (typically ~$0.01 on Linea). |
| ATM Free Limit | $0/mo |
| ATM Fee After Limit | 2% per withdrawal (ATM operator may add its own fees). |
Note: Crypto is converted to local currency at Mastercard's mid-market rate with no additional MetaMask spread beyond published token and cross-border fees.
Earn 1% cashback in mUSD on all eligible purchases. cashback on purchases. Rewards paid in mUSD.
Can delegate yield-bearing tokens like aUSDC or amUSD — earn interest until the moment of spend.
This tier is free to access — no staking, deposits, or spending requirements.
Digital-only Mastercard debit card issued instantly once KYC is complete; can be added to Apple Pay/Google Pay for tap-to-pay. Available in all supported regions.
✓ Instant card freeze. ✓ Biometric authentication. Custody model: non-custodial.
Licenses: Baanx / Crypto Life registered as an FCA cryptoasset business in the UK under MLR 2017., Monavate authorised and regulated by the UK FCA as an e-money institution and principal member of Mastercard., MetaMask Card issued in the US by Cross River Bank, a US-licensed FDIC-insured bank.
MetaMask Card is powered by Crypto Life (Baanx) and Monavate under FCA authorisations and cryptoasset registration, with programme issuance by Cross River Bank in the US and compliance with KYC/AML requirements.
Top up your card with 9 cryptocurrencies. Fiat top-ups supported in USD, EUR, GBP.
MetaMask Card (Virtual tier) is live across the US (49 states, Vermont excluded), EU/EEA, UK, Switzerland, Canada, Argentina, Brazil, Colombia, Mexico and Uruguay. The Metal tier is currently US-only; users outside the US can join a waitlist.
General availability of MetaMask Card across the US (49 states including New York, Vermont excluded), plus introduction of the premium MetaMask Metal Card tier at $199/year.
Source →All new cashback rewards switched from USDC to mUSD (MetaMask USD), issued by Bridge (Stripe-owned) via M0 infrastructure.
Source →Expansion of stablecoin card issuing capabilities with Monavate, extending MetaMask Card to Canada as part of broader Americas rollout.
Source →MetaMask, Mastercard and Baanx announce pilot launch of MetaMask Card as a self-custodial Mastercard debit card for selected users in the EU and UK.
Source →MetaMask Card is one of the first truly self-custodial crypto debit cards, letting you spend stablecoins and wETH directly from your MetaMask wallet anywhere Mastercard is accepted without preloading to an exchange. The free Virtual tier gives 1% cashback in mUSD with simple setup, while the Metal tier (US-only for now, $199/year) adds a physical metal card, up to 3% cashback on the first $10k per year, no FX fees and free ATM withdrawals up to $1,200/month. The trade-offs are a complex token-fee matrix, region-limited Metal availability, and a curated token list, so it best fits active MetaMask users who already manage funds on-chain and want to spend them in daily life.
Visit MetaMask to get started with the MetaMask Card.
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