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Illustration in the plan's colour, not the issuer's artwork

MetaMask Card

MastercardSelf-custodyKYC fulldebit

MetaMask Card is a Mastercard debit card that spends directly from your self-custody MetaMask wallet or Money Account, with Crypto Life as program manager. The free Virtual card pays 1% back in mUSD; new US sign-ups and new Metal orders are paused.

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64Card Score, #4 of 36
$10You keep a year
C60Trust points of 100
84%Key fields with a source

Plans side by side

Virtual
Price
Monthly priceFree1
Yearly priceFree1Free tier
Virtual card feeFree1,2
Staking needed01No fee to delegate funds and no minimum balance
Other requirementsProof of residency and KYC through Crypto Life; a MetaMask account2,7
Rewards
Cashback1%3,6,71% back on each eligible transaction
Paid inmUSD3,6Claimed on-chain from the Money Account or the card dashboard
Earns onEligible card transactions3
PointsBlackbird dining earns 5X $FLY3
PerksHotel bookings via MetaMask Card Travel earn extra mUSD back, Blackbird dining earns 5X $FLY6,3
Fees
FX fee1%1Cross-border fee on the Free tier. A Paymentscan test of a PLN payment measured about 2.1% over the reference rate (see tests).
Crypto conversion fee0.88%1Other crypto such as wETH 0.875%. Stablecoins: 0% in the card or merchant local currency, 0.5% otherwise. DeFi or yield tokens: free up to $1,200 a month, then 0.5%.
Top-up fee0%1,5No fee to delegate funds; network gas only, typically about $0.01
Free ATM a monthFree1Free tier pays 2%
ATM fee2%1The ATM operator may charge extra
Inactivity feeFree3No annual or maintenance fees for the Virtual card
Limits
Limit per payment$10,0001
Spend limit a day$15,0001
ATM limit a day$1,0001

Real payments

FX markup paidPaymentscanPaying 4.99 PLN with the free Virtual card was charged $1.353 against a reference rate of 3.765 PLN per USD, about 2.1% over; the page states about 1.7%, and rounding on a small payment matters8

What someone actually paid, which can differ from the advertised fee. Each test is one payment or a few, so treat it as a signal.

What you keep

Rewards you can spend+$120
FX fee on foreign spend−$50
Fees on every purchase−$60
Net a year, Virtual plan$10

$1,000 a month, 20% in a foreign currency, no staking. Change

Trust

Licence and regulator9 of 25

Issuer is named as Monovate with Crypto Life as program manager, but the issuer pages show no licence or regulator, and third parties spell the issuer name differently.3

Custody and fund protection16 of 20

Funds stay in the user's self-custody wallet until spent, with revocable per-token spending limits; custody of the optional Money Account is not described.5

Incidents in the last 24 months13 of 20

No hack or freeze found, but new US sign-ups and new Metal orders are paused with no end date.2,3

Track record and verified volume12 of 15

Live since April 2024 with about $88M all-time volume and 26,891 addresses per Paymentscan; monthly volume has fallen from its Oct 2025 peak.8

Published fees and terms6 of 10

Detailed fee and limit page, but issuer pages contradict each other on Metal cashback and cross-border terms, and the issuer licence is not shown.1,3

Support and user sentiment4 of 10

Support is by email to Crypto Life only; no hours or chat listed.3

Company

Legal entityCrypto Life (card program manager); MetaMask is a Consensys product2,3Crypto Life manages card accounts and personal data, not MetaMask
Websitemetamask.com4

Issuer and licence

Card issuerMonovate3Named in the issuer FAQ (spelled Monovate); Paymentscan uses the spelling Monavate. Paymentscan lists only the program manager.
Program managerCrypto Life2,3
NetworkMastercard2,3

The card

Statuslive2,7,4New US sign-ups are paused and new Metal card orders are unavailable; the free Virtual card is open in the other supported countries and existing cardholders are not affected.
Launched2024-048Per Paymentscan
Typedebit3The FAQ says no credit check because it is a debit card
FormsVirtual2Metal physical card exists but is not currently available to new users
Custodyself-custody5Spending uses self-custody MetaMask accounts; the page does not describe custody of the Money Account
How custody worksYou approve a spending limit per token from your wallet and funds stay in it until spent; the limit can be revoked at any time.5
KYCfull7Email, phone confirmation and identity verification, with proof of residency

Funding

Crypto acceptedmUSDUSDCUSDTwETHEUReGBPeEURC5Varies by network
ChainsLineaSolanaBaseMonad5New York and Texas: Linea and Base only
Fiat top-upBuy or swap in MetaMask Mobile 8.0+5Methods not named
Deposit feesNo fee to delegate funds; network gas only1,5
Minimum depositFree1
Spends fromDirectly from the wallet or Money Account, converted at payment5

Payments

Apple Pay6,7
Google Pay6Added to Google Wallet by entering card details manually
Online subscriptionsCard details work on any site that accepts Mastercard6

Where it works

RegionsEurope (EEA)United KingdomCanadaLatin America2Sign-up regions; spending works anywhere Mastercard is accepted
Countries482Counted from the issuer list; the product page omits Bahrain and Oman, which the help page lists
United States2,4New US sign-ups are temporarily closed; existing US cardholders continue
United Kingdom2
EEA2
Supported countriesAndorraAndorraArgentinaArgentinaAustriaAustriaBahrainBahrainBelgiumBelgiumBrazilBrazilBulgariaBulgariaCanadaCanadaChileChileColombiaColombiaCosta RicaCosta RicaCroatiaCroatiaCyprusCyprusDenmarkDenmarkDominican RepublicDominican RepublicEl SalvadorEl SalvadorFinlandFinlandFranceFranceGermanyGermanyGibraltarGibraltarGreeceGreeceGuatemalaGuatemalaGuernseyGuernseyHungaryHungaryIcelandIcelandIrelandIrelandIsle of ManIsle of ManItalyItalyJerseyJerseyLiechtensteinLiechtensteinLuxembourgLuxembourgMaltaMaltaMexicoMexicoMonacoMonacoNetherlandsNetherlandsNorwayNorwayOmanOmanPanamaPanamaPolandPolandPortugalPortugalRomaniaRomaniaSlovakiaSlovakiaSloveniaSloveniaSpainSpainSwedenSwedenSwitzerlandSwitzerlandUnited KingdomUnited KingdomUruguayUruguay2

Account

OtherOptional MetaMask Money Account whose balance can be spent directly as mUSD5

App

Web app7
SupportEmail to Crypto Life3

Reputation

Common complaintsKYC identity or address step failing repeatedly during card sign-up9One user report

Adoption

On-chain spend, all time$88,350,0008Apr 2024 to Nov 2026 per Paymentscan; 26,891 addresses
On-chain spend, last month$3,383,0008Oct 2026 figure; Paymentscan peak month was Oct 2025 at $5.99M

Incidents and changes

Nov 2026New US sign-ups are temporarily paused; existing cardholders are not affected.7,8other
Jun 2026New Metal card orders were paused; the Metal card is not currently available to new users.2,8other

More details

Metal tier (closed to new users)$199 a year; 3% mUSD back on the first $10,000 spent each year then 1%; no cross-border fee (fair usage); ATM free up to $1,200 a month then 2%; limits $20,000 per transaction, $30,000 daily; physical replacement $991,6,7
Metal cashback wording differsThe FAQ says 3% on every Metal transaction while the fees and help pages say 3% on the first $10,000 a year4,6
Travel and dining rewardsHotel bookings through MetaMask Card Travel earn 4% mUSD back plus a bonus; Blackbird dining earns 5X $FLY (7X for Metal)6,3
Network gasTypically about $0.01 to $0.02 on Linea; none on Monad; one gas fee per token approval1,6,5

Quick answers

What does the MetaMask Card cost?

The Virtual plan: Free a month, — for a physical card.

How much cashback does the MetaMask Card pay?

1% on the Virtual plan, paid in mUSD.

What is the MetaMask Card FX fee?

1% on the Virtual plan.

Is the MetaMask Card custodial?

Self-custody. You approve a spending limit per token from your wallet and funds stay in it until spent; the limit can be revoked at any time.

Is the MetaMask Card available in the US, the UK and the EEA?

US: no. UK: yes. EEA: yes.

How much do you keep with the MetaMask Card?

$10 a year on the Virtual plan at $1,000 a month with 20% in a foreign currency, after every fee.

Sources

  1. MetaMask Card: Limits and fees, issuer, Nov-05, 2026
  2. MetaMask Card: what is it, issuer, Nov-05, 2026
  3. MetaMask Card FAQ, issuer, Nov-05, 2026
  4. MetaMask Card, issuer, Nov-05, 2026
  5. MetaMask Card: How to fund your card, issuer, Nov-05, 2026
  6. MetaMask Card: Using your card, issuer, Nov-05, 2026
  7. MetaMask Card: Getting started, issuer, Nov-05, 2026
  8. Paymentscan: MetaMask Card, paymentscan, Nov-05, 2026
  9. Finek chat, user report, Sep-23, 2026, community, Nov-05, 2026

Something wrong or out of date? Report it with a source.