https://t.co/7NTRvTXY1M
MetaMask Card
Self-custodial Mastercard debit card with 1% mUSD cashback and four supported chains
3.6/ 5
Our score
Good
Foreign exchange fee
0%
Max cashback
3%
Top-up networks
LineaSolanaBaseMonad
Card network
Mastercard
What is MetaMask Card?
MetaMask Card is a self-custodial Mastercard debit card for spending supported crypto at Mastercard merchants. The free Virtual card pays 1% cashback in mUSD, while the $199-per-year Metal card pays 3% on the first $10,000 of annual spending, then 1%.
Who is behind it
The card is part of MetaMask, the wallet business operated by Consensys. MetaMask was founded in 2016. Consensys announced in September 2026 that CSI would be rebranded as MetaMask, with Joe Lubin as Chairman and CEO, while the former CSI Protocols Group and institutional blockchain infrastructure business became a separate company. Cross River Bank is the banking partner for the card program.
How the card works
Crypto remains in the linked self-custodial wallet until a payment is made. Card funds can be managed from the MetaMask mobile app. Supported deposits operate across Linea, Base, Solana and Monad. Assets include mUSD, USDC and USDT, with additional support for wETH, EURe, GBPe, aUSDC, amUSD and aBasUSDC depending on the network.
mUSD can be spent directly from a linked Money Account. Apple Pay and Google Pay support contactless payments. Each top-up and spend incurs on-chain gas, typically around $0.01. The Virtual card has a $15,000 daily spending limit and a $1,000 daily ATM limit. Metal limits are $30,000 and $5,000 respectively.
Fees and rewards
The Virtual card is free. Metal costs $199 per year and includes no foreign transaction fees. Metal ATM withdrawals are free up to $1,200 per month. Cashback is paid in mUSD, MetaMask's dollar-pegged stablecoin issued by Bridge, a Stripe company. Frequent top-ups can add recurring network costs, even when the card itself has no issuance fee.
Availability and record
MetaMask announced general availability across the United States, including New York, in February 2026. Users in New York and Texas can spend supported tokens only on Linea and Base. The card can be used through Apple Pay, Google Pay or a physical Metal card at more than 150 million Mastercard merchants worldwide. US sign-ups were temporarily paused on June 3, 2026.
Risks and limitations
Availability varies by region and chain. Cashback is denominated in mUSD rather than fiat, and the Metal headline rate is capped at the first $10,000 of annual spending. The self-custodial design leaves wallet access and transaction approval with the customer, while card use also depends on the banking partner and program availability. Network fees can make small, frequent top-ups more expensive.
Best for:Self-custodial crypto spendingUS stablecoin paymentsApple Pay crypto usersHigh-limit card spending
Pros and cons
Pros
- Self-custodial wallet funding
- Free Virtual card option
- Supports four blockchain networks
- Apple Pay and Google Pay support
- Up to $30,000 daily spending limit
- Metal has no foreign transaction fees
Cons
- Metal card costs $199 annually
- Cashback is paid in mUSD
- Headline Metal cashback stops after $10,000 annual spending
- Frequent top-ups add on-chain gas costs
- Availability and chains vary by US state
- US sign-ups were paused in June 2026
Our review
3.6/5
Good
MetaMask Card spends crypto from a self-custodial wallet, but its $199 Metal tier, on-chain gas costs, and regional limits reduce its everyday value.
MetaMask Card is a Mastercard debit card that spends supported tokens from a self-custodial MetaMask wallet. MetaMask says the card works at more than 150 million Mastercard merchants worldwide, although actual availability and supported features vary by region.
The free Virtual card has a 1% mUSD cashback rate and a $15,000 daily spending limit. The Metal card costs $199 per year, pays 3% mUSD back on the first $10,000 of annual spending and 1% after that, and raises the daily limit to $30,000. Metal also has no foreign transaction fees and free ATM withdrawals up to $1,200 per month. Those are documented strengths, but the headline cashback is capped and paid in mUSD, MetaMask's dollar-pegged stablecoin, rather than a cash balance.
Funding is available across Linea, Base, Solana and Monad. Supported assets include stablecoins such as USDC and USDT, along with mUSD, wETH, EURe and GBPe on selected networks. Every top-up and spend incurs on-chain gas, typically around $0.01, so frequent small payments add a cost that ordinary debit cards do not have. ATM limits are $1,000 per day for Virtual and $5,000 for Metal.
Cross River Bank is the banking partner. MetaMask has operated since 2016 and is part of Consensys; Joe Lubin is MetaMask's Chairman and CEO. The card reached United States general availability, including New York, on February 26, 2026, but US sign-ups were temporarily paused on June 3, 2026.
Fees & limits
| Card type | Debit |
|---|---|
| Card network | Mastercard |
| Card format | Virtual, Physical, Metal · unverified |
| Custody | Self-custodial |
| Max cashback ⓘ | 3% · unverified |
| Rewards paid in | mUSD · unverified |
| Annual fee | $199 · unverified |
| Foreign exchange fee | 0% · unverified |
| Top-up fee | On-chain gas applies to every top-up and spend, typically around $0.01 · unverified |
| ATM withdrawals | Free up to $1,200/month for Metal · unverified |
| Daily spending limit | $15,000 Virtual; $30,000 Metal · unverified |
| ATM withdrawal limit | $1,000/day Virtual; $5,000/day Metal · unverified |
| Available in | United States · unverified |
| Spendable assets | mUSD, USDC, USDT, wETH, EURe, GBPe, aUSDC, amUSD, aBasUSDC · unverified |
| Top-up networks | Linea, Solana, Base, Monad · unverified |
| Spend stablecoins | Yes · unverified |
| Apple Pay | Yes · unverified |
| Google Pay | Yes · unverified |
| Good for | Everyday spending, Travel, Online shopping · unverified |
| Perks | mUSD cashback, Cashback on Linea, Boosted yield on Aave, Hotel discounts, Blackbird benefits · unverified |
| Card issuer | Cross River Bank · unverified |
| Virtual card fee | Free · unverified |
Not disclosed by the provider: KYC required, Business card, Staking needed for top rewards, Welcome bonus, Card issuance fee, Monthly fee, Crypto conversion spread, Not available in, Card currencies, Referral program.
Data from the provider's website and public sources. Fees and availability change; confirm on the official site before you sign up.
Key features
Self-custodial spending
The card draws from a linked MetaMask wallet, with tokens remaining in self-custody until payment.
Two card tiers
The free Virtual card is digital only; the Metal card costs $199 per year and includes a physical card.
Four supported chains
Card deposits operate across Linea, Base, Solana and Monad, with asset support varying by network.
mUSD cashback
Virtual pays 1% mUSD back; Metal pays 3% on the first $10,000 of annual spending, then 1%.
Mobile wallet payments
Supported crypto can fund payments through Apple Pay or Google Pay, as well as the physical Metal card.
High spending limits
Daily spending limits are $15,000 for Virtual and $30,000 for Metal.
ATM access
Daily ATM limits are $1,000 for Virtual and $5,000 for Metal; Metal withdrawals are free up to $1,200 monthly.
Inside MetaMask Card
Virtual
Virtual is the free digital-only card for spending supported crypto wherever Mastercard is accepted. It pays 1% mUSD back and has a $15,000 daily spending limit.
Metal
Metal is the physical card tier, priced at $199 per year. It pays 3% mUSD back on the first $10,000 of annual spending, then 1%, with a $30,000 daily spending limit.
Money Account
Money Account lets users spend mUSD directly from linked funds in MetaMask. The spending limit is set automatically to the available balance, with no network fee required to approve that spending limit.
MetaMask Card screenshots
What users say about MetaMask Card
Reviews describe MetaMask as easy to use, while complaints focus on app reliability, confusing interfaces, fees, and failed transactions. The overall picture is mixed, with recurring complaints about reliability and access to funds.
In their own words
“Very smooth MetaMask has always been intuitive since the early versions. But it just gets better and better. Back in the day I appreciated the ease in which you could generate multiple wallets”
“It’s a very user-friendly if I can use it It’s so very nice. It’s very easy for buy eth token buy sell button”
“hideen fee Misleading gas fee estimation! The app shows one gas fee amount on the confirmation screen, but actually deducts a significantly higher amount from my wallet after the transaction goes through. Charged way more than what was displayed.”
“Browser Busted Not sure which update did this, but the on-chain browser is so busted I can’t even close tabs anymore. When I try to use the browser and open new tabs, the app basically freezes and crashes. MM could use a tremendous facelift”
“MetaMask Card has been withholding my money for 11 days as of today I just want to share this story so everyone is aware of what's happening (and I'll make sure to share it on other subs too). I have a MetaMask Card that I've been using for the past few months.”
“VERY FRUSTRATED!!!! So I bought crypto on the 12th of June and the tokens haven't been sent to my wallet. The token is verified as safe by Metamask. I have been trying to resolve this and I am at a loss! The entirety of Metamask support is a chatbot that has failed to solve my issue.”
Scam warning: Phishing emails and links have exposed users' secret recovery phrases.
Scam warning: Fake trading platforms, support accounts, and wallets can trick users into depositing funds or paying gas before draining them.
Based on 100 Reddit posts and comments, 47 App Store reviews from the last 12 months, checked Oct 18, 2026. These are posts by users on other sites, not reviews submitted on CryptoReview.
User reviews
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FAQ
Who founded MetaMask Card?
MetaMask Card is a product of MetaMask, which was founded in 2016 and is part of Consensys. Joe Lubin is Consensys' chairman and CEO as of September 2026.
What are MetaMask Card's fees?
The Virtual card is free, while the Metal card costs $199 per year. Metal has no foreign transaction fee and free ATM withdrawals up to $1,200 per month; every top-up and spend also incurs on-chain gas, typically around $0.01.
Where is MetaMask Card available, and is KYC required?
MetaMask Card has general availability across the United States, including New York, with features varying by region.
Is MetaMask Card safe?
MetaMask Card keeps supported tokens in a self-custodial MetaMask wallet until payment and uses Cross River Bank as its banking partner. US sign-ups were temporarily paused on June 3, 2026.
Which chains and assets does MetaMask Card support?
The card supports deposits on Linea, Base, Solana and Monad. Assets vary by chain, including mUSD, USDC, USDT, wETH, EURe, GBPe, aUSDC, amUSD and aBasUSDC.
Does MetaMask Card have a token or cashback?
MetaMask Card pays cashback in mUSD, with 1% on Virtual and 3% on the first $10,000 of annual Metal spending before dropping to 1%. mUSD is a dollar-pegged stablecoin issued by Bridge, a Stripe company.
Latest from MetaMask Card on X
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Who do you have for this anticipated matchup?
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self-custodying with MetaMask is way easier than carving a MetaMask pumpkin.
happy halloween!
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Your top swaps in MetaMask recently:
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$LINK - @chainlink
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Recent public posts from @MetaMask, shown as published. Not reviewed or endorsed by CryptoReview.
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