MetaMask Card vs RedotPay Card: which wins?

Cashback, annual fee, FX and ATM charges, custody and country availability — both cards on the same fields, taken from each issuer's published terms; each card page shows when its data was last verified.

DEBITConsensys / Baanx logo
CASHBACK
3%
ANNUAL FEE
Free Virtual…
METAMASK CARD
CONSENSYS / BAANX
MASTERCARD

MetaMask Card

Consensys / Baanx
  • Self-custody
  • No staking
  • Apple Pay
  • Google Pay
PREPAID
RedotPay logo
CASHBACK
None
ANNUAL FEE
Free
REDOTPAY CARD
REDOTPAY
VISA

RedotPay Card

RedotPay
  • No fees
  • No staking
  • Virtual card
  • Apple Pay
OUR SCORE

How we rate them

Our own assessment, not a user rating — four criteria at 25% each, scored against each issuer's published terms. See the scoring model.

Editorial scores for the MetaMask Card and the RedotPay Card
CriterionMetaMask CardRedotPay Card
Overall3.9 / 53.3 / 5
Cost 25%4.0The Virtual card is free with a 1% cross-border fee and 2% on ATM withdrawals. Stablecoin conversion is free in matching currencies, 0.5–0.875% otherwise.3.5No monthly or annual fee, but the card costs $10 (virtual) or $100 (physical), every purchase carries a 1% crypto conversion fee, non-USD purchases add 1.2%, and ATM withdrawals cost 2%.
Conditions 25%4.5Nothing to stake or hold on the free card. The 3% rate needs the $199-a-year Metal card, three times the everyday rate.5.0There is no reward rate to unlock, so nothing is needed beyond identity verification: no spend level, balance, stake or subscription.
Rewards 25%3.01% on the free Virtual card, paid in mUSD, a dollar stablecoin rather than a volatile token. Metal's 3% on the first $10,000 a year barely covers its own fee.1.0There is no cashback. Spending earns RedotPay points, which can only buy tickets for in-app prize draws and can't be cashed out.
Reliability 25%4.0Built by Consensys with Baanx, with per-tier fees and limits published, and our data re-checked this month.3.5RedotPay publishes a dated fee schedule (effective 1 December 2025) and explicit lists of where cards can and can't be issued. The schedule is only an image, though, and several small charges (declines, payments under $1, some merchants) sit outside the headline fees.
QUICK VERDICT

Who wins on what

  • CHEAPER TO HOLD
    RedotPay Card
    no annual fee vs Free Virtual; $199/year Metal
  • KEEPS YOUR KEYS
    MetaMask Card
    spends from your own wallet, not a custodial balance

Only stated where the published data supports it. A card with a tiered or conditional fee is not counted as free.

THE SHORT VERSION

How they actually differ

  • MetaMask Card is a debit card while RedotPay Card is a prepaid card — that changes how you fund it, not just what it pays.
  • Rewards arrive in different assets: mUSD on the MetaMask Card, No cashback on the RedotPay Card.
  • MetaMask Card runs on Mastercard; RedotPay Card runs on Visa.
EVERY FIELD

MetaMask Card vs RedotPay Card, side by side

Full field-by-field comparison of the MetaMask Card and the RedotPay Card
FieldMetaMask CardRedotPay Card
Card typeDebitPrepaid
NetworkMastercardVisa
Max cashbackUp to 3%None
Rewards paid inmUSDNo cashback
Annual feeFree Virtual; $199/year MetalFree
Monthly feeNoneFree
FX feeVirtual: 1% cross-border fee; Metal: 0% cross-border fee subject to fair use1.2%
1.20% on purchases in a currency other than the card's default currency. All new cards have been issued in USD since 21 January 2026, so USD purchases carry no FX fee.
ATM feeVirtual: 2%; ATM access currently limited to eligible US Virtual users. Metal: free up to $1,200/month, then 2%2%
Physical card only. On USD cards, ATM withdrawals cost 2% while your monthly withdrawals stay at or under 10,000 USD, and 3% above that. Older HKD cards pay 2%.
Crypto conversion0% for eligible local-currency stablecoins; 0.5% for certain mismatched stablecoins; 0.875% for other cryptocurrencies; DeFi/yield tokens 0% up to $1,200/month then 0.5%1%
RedotPay charges a 1.00% transaction fee on card purchases, which it describes as the cryptocurrency conversion fee.
Where it worksAndorra, 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, Uruguay100+ countries (NOT available in: Afghanistan, Albania, Belarus, Bosnia and Herzegovina, Bouvet Island, Burkina Faso, Burundi, Central African Republic, Democratic Republic of the Congo, Croatia, Cuba, Eritrea, Ethiopia, Guinea-Bissau, Haiti, India, Indonesia, Iran, Iraq, Kosovo, Lebanon, Liberia, Libya, Mainland China, Mali, Montenegro, Morocco, Myanmar, Nepal, Netherlands Antilles, Nicaragua, North Korea, North Macedonia, Russia, Serbia, Singapore, Slovenia, Somalia, South Sudan, Sudan, Syria, Turkey, Ukraine, United States, Venezuela, Yemen, Zimbabwe)
Self-custodyYesNo
No staking neededYesYes
Apple PayYesYes
Google PayYesYes
Virtual card—Yes

A dash means the issuer has not published that figure — it does not mean zero. See our methodology for how each field is verified. Rewards and availability change often and vary by region. Not financial advice.

COMMON QUESTIONS

MetaMask Card vs RedotPay Card: common questions

Which is better, the MetaMask Card or the RedotPay Card?

It depends on what you optimise for. MetaMask Card is a debit card advertising up to 3%; RedotPay Card is a prepaid card with no published cashback rate. Compare their fees, regions and custody model side by side before deciding.

Can I get both the MetaMask Card and the RedotPay Card?

Usually yes — these are separate products from different issuers, so holding one does not prevent you from applying for the other, provided you meet each issuer's own eligibility and region requirements.

GO DEEPER

Read the full review of each

MetaMask Card review →RedotPay Card review →Compare three cards instead

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