by Consensys · EEA, UK, US (49 states), Canada, Switzerland…
True self-custodial Mastercard — assets stay in your MetaMask wallet until purchase. Free tier earns 1% in mUSD; Metal tier ($199/yr) earns 3% on first $10k annual spend. Available across US, EU and 10+ countries. Earn yield on idle balances via Aave integration.
EEA, UK, US (49 states), Canada, Switzerland, Argentina, Brazil, Chile, Colombia, Costa Rica, Dominican Republic, Ecuador, El Salvador, Guatemala, Mexico, Panama, Uruguay
Where it's available
STAKING
Not required
Lock-up to earn rewards
SIGNUP BONUS
250 MetaMask Rewards Points referral bonus
Welcome offer
CUSTODY
Self-custody
You hold the keys
REWARDS
Earning Up to 3%
The headline rate is usually the top of a band, not a flat rate on everything. In practice most spending earns the base rate, and the higher figure applies to selected merchants, campaigns or staking tiers.
Reward summary
Up to Up to 3%, metal tier only, paid in mUSD, MetaMask Reward Points. No staking required for the base rate.
PLANS & TIERS
Compare the plans
This card has 2 plans. Select one to see its rate, fees and perks.
Free
Requirement: No requirement
1%
Cashback
PRICE
Free
ATM FEE
2% per withdrawal
FX FEE
1% cross-border fee
WHAT'S INCLUDED
✓1% cashback in mUSD on all purchases
✓Virtual card only
✓0% stablecoin conversion fee
✓0.5% mismatched asset conversion
✓0.875% volatile asset conversion
✓1 MetaMask Reward Point per $1 spent
Plan
Free
Metal
Cashback
1%
3%
Price
Free
$199/year
ATM fee
2% per withdrawal
Free up to $1,200/mo, then 2%
FX fee
1% cross-border fee
0%
Requirement
No requirement
$199 annual subscription
COSTS
Fees you'll actually meet
Annual fee
Cost to hold the card each year
Free (Metal: $199/yr)
Monthly fee
Recurring account cost
None
FX spread
Applied on foreign-currency spend
1% Free tier, 0% Metal
ATM withdrawal
Cash withdrawal cost
2% Free tier; Free up to $1,200/mo then 2% Metal
Crypto conversion
When spending crypto directly
0% stablecoins, 0.5% mismatched, 0.875% volatile
Issuance fee
One-off cost to get the card
Free
ℹ️ Metal tier only
VERDICT
Strengths and trade-offs
WORKS FOR YOU IF
✓True self-custody
✓Available globally including US and EU
✓Apple Pay and Google Pay
✓Yield on idle balances via DeFi
✓No credit check
LOOK ELSEWHERE IF
!$199/yr for Metal tier
!Gas fees for setting spending limits
!1% cross-border fee on Free tier
!Up to 0.875% volatile asset conversion fee
!Free tier only 1% cashback
STANDOUT FEATURES
What sets it apart
✦True self-custody until point of sale
✦Yield on idle balances via Aave
✦Metal Card with no cross-border fees
✦1 MetaMask Reward Point per $1 spent
✓ Apple Pay✓ Google Pay✓ iOS app✓ Android app✓ Self-custody✓ No staking
ABOUT THIS CARD
Common questions
Where can I use the MetaMask Card?
+
Does the MetaMask Card have an annual fee?
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Do I need to stake anything to earn rewards?
+
How much can I earn with the MetaMask Card?
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Does it work with Apple Pay and Google Pay?
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Is this a self-custody card?
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Figures on this page come from Consensys's published card terms. Rewards, fees and availability change often and vary by region. See our methodology for how we score and verify every card. This is not financial advice.
