MetaMask Card
by MetaMask · Mastercard · Debit card · Issuer terms last read Sep 28, 2026
The cleanest self-custody option on the page: the tokens stay in your own wallet until the moment the payment settles, and there is no balance to pre-load with an issuer. The free virtual card pays 1%, which is fair for a card that costs nothing; the 3% metal tier costs $199 a year and only pays 3% on the first $10,000 of spending, so it needs roughly $10,000 of annual spending before the fee is earned back.
What works
- Self-custody — you hold the tokens until the payment is made
- Free virtual card with 1% back and no annual fee
- Works from Linea, Base, Monad and Solana balances
- No foreign transaction fees on the metal tier
What does not
- 3% needs the $199/year metal card and only applies to the first $10,000 of spending
- Sign-ups are currently closed in the US and the UK
- Rewards are paid in mUSD, the issuer's own stablecoin
- The metal card is available in select regions only
Who it suits
Wallet-native spenders who refuse to hand custody to an exchange and want a card that reads straight from their own balance.
Terms in full
Quoted from the issuer's own pages. Rows the issuer does not publish are marked as such rather than guessed.
- Network
- Mastercard
- Card type
- Debit card spending directly from your MetaMask wallet
- Reward
- Virtual card 1% back; Metal card 3% back on the first $10,000 of spending, then 1%
- Reward asset
- mUSD
- Requirement
- None for the virtual card
- Annual fee
- Virtual card free; metal card $199 a year
- Foreign exchange
- No foreign transaction fees on the metal card
- ATM
- ATM limits $1,000 a day on virtual and $5,000 a day on metal; free withdrawals on metal up to $1,200 a month
- Assets you can spend
- mUSD, wETH, EURe, GBPe, USDC and USDT, on Linea, Base, Monad and Solana
- Availability
- 45+ countries across Europe and the Americas; sign-ups in the US and UK are temporarily closed
- Custody
- Self-custody until the payment settles
If this one does not fit
Questions about this card
No. MetaMask states you keep custody of the tokens in your own wallet until the second you pay, when they are converted to local currency at checkout.
It pays 3% on the first $10,000 of spending each period, then 1%. Against the free 1% virtual card the extra 2% on $10,000 is $200, so the fee is roughly break-even at $10,000 of annual spending before the other perks.
Not at the moment. MetaMask says sign-ups for the card in the US and the UK are temporarily closed; other listed countries remain open.