The most mainstream self-custody card: MetaMask wallet spending stablecoins on Linea through a Mastercard program run with Baanx/Monavate, keys stay yours. 1% mUSD cashback on the orderable Virtual card; US and UK sign-ups are paused, Metal (3% tier) paused since June 2026. Verify current availability in-app before ordering.
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by the cryptodebitcards editorial desk · curated review · prose updated 2026-10-01 · facts as of 2026-10-01 · how we verify
The MetaMask Card lets you spend stablecoins straight from your self-custodial MetaMask wallet through a Mastercard program - your funds stay in your wallet until the moment a transaction completes, per the official launch post [5]. The card is built by Consensys (MetaMask) together with Mastercard and Baanx, which now operates as Monavate [5][7]. Today only the Virtual card is orderable, free of charge [2]. The regional picture has shrunk: US sign-ups have been paused since 3 June 2026, UK sign-ups are closed on the current product page, and eligible regions today are the EEA, LATAM and MENA [1][6]. The card is a real oddity worth taking seriously: it is one of very few products where the spending balance never leaves your own wallet.
The Virtual card is free to order and carries no yearly fee [2]. Delegating funds for spending carries no fee and no minimum balance [1]. Card conversion runs at Mastercard's rates with no additional MetaMask FX fee on the Virtual tier [1]. ATM withdrawals cost 2% [1]. The Metal tier is a 199-dollar-per-year membership that removes the cross-border fee and gives free ATM withdrawals up to 1,200 dollars per month [1][4] - but Metal orders are paused as of 2 June 2026, so none of those terms are attainable today [3]. Documented spend limits are 10,000 dollars per transaction and 15,000 per day on the free tier, with 20,000 and 30,000 respectively on Metal [4]. The honest gap: with Metal paused, the premium fee terms exist only on paper.
Full KYC applies, including proof of residency to sign up [2]. The program runs through the MetaMask Portfolio interface, with the card program manager handling identity verification [2][7]. New sign-ups order the Virtual card after verification [2][3]. Onboarding duration is not documented in any official source we checked.
The card spends tokens you designate from your own MetaMask wallet - you set the spending limits and keep complete access to your funds until you complete a transaction [2]. Supported spending tokens include mUSD, USDC, USDT, wETH, EURe and GBPe across Linea, Solana, Base and Monad [1]. Tapping to pay with Apple Pay or Google Pay is supported [1]. There is no custodial top-up step and no auto-sell: the tokens leave your wallet on-chain at the moment of payment [5]. The practical constraint is the rail: tokens sit on specific networks, and sending a token on the wrong network can strand it - the operator documents the supported chains, not a rescue flow [1].
Cashback is paid in mUSD and auto-deposited into your Money Account: 1% on every Virtual Card transaction [1]. The Metal tier pays 3% mUSD on the first 10,000 dollars spent per year, then 1% [1][3] - but Metal cannot be ordered right now [3], so the realistic obtainable rate today is 1%. mUSD is issued by Bridge, a Stripe-owned stablecoin platform, and minted through M0 [7]; a reward denominated in a platform stablecoin carries that platform's risk until you swap it out. No additional reward programs are documented for the Virtual tier.
The corporate chain is unusually legible: Consensys, Mastercard, Baanx/Monavate - each named in official sources [5][7]. The self-custody mechanics are the documented strong point: your funds stay in your wallet until each transaction [5]. Three availability red flags are documented rather than rumored: US sign-ups paused since 3 June 2026 [6], UK sign-ups closed on the current product page [1], and Metal card orders paused since 2 June 2026 [3]. A program that paused its two biggest markets within the same week deserves caution about future regional availability. The cashback token depends on Bridge/M0 infrastructure, a dependency outside the card itself [7]. Our fact set is not fully verified (reported) as of the facts date.
For eligible-region stablecoin holders, this is one of the strongest self-custody spending designs available - funds never sit on a card balance, and the 1% mUSD cashback is auto-deposited [1][2]. Do not count on the 3% Metal tier or on US/UK access: all three are paused today [1][3][6]. Keep only tokens on the documented networks in the spending delegation, and move rewards out of mUSD if you do not want platform-stablecoin exposure [1][7].
| Issuance | Virtual card free; Metal card via $199/year Metal subscription (Metal orders temporarily paused since 2026-06-02, official) |
|---|---|
| Monthly | none |
| Top-up fee | 0% |
| FX fee | 1% |
| ATM fee | 2% 2% (Metal tier: free up to $1,200/mo, then 2%); ATM operator fees possible; ATM limits $1,000/day (Free) / $5,000/day (Metal) |
| Fine print | Official limits-and-fees page: stablecoin denominated in cardholder/merchant currency = no fee; non-matching stablecoin 0.5%; DeFi/yield tokens (aUSDC) free up to $1,200/mo then 0.5%; other crypto (wETH) 0.875%; cross-border 1% (Free) / 0% (Metal); network gas ~$0.01 on Linea; delegate funds for spending: no fee. New Card sign-ups temporarily paused in the US and UK (official support page, checked 2026-09-19); Metal orders paused since 2026-06-02. |
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Three steps, based on the operator-documented facts in this review (fact status: checked 2026-10-01):
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Based on our checks as of 2026-10-01: MetaMask Card scores 5.7/10 in our weighted review. We logged no red flags. User reports and the operator background are documented with dated sources in the meta-review below.
Watch for the December 2026 sunset: the consumer product is closing. Solid self-custody architecture (card only moves whitelisted tokens from your Safe to settlement, up to a daily limit), but as a spending card it has an end date. Migrate to a partner app (Rebind/Picnic) or another self-custody card before 20 December 2026.
Bleap is one of the few crypto cards whose core fee promises check out: free issuance, no monthly fee, Mastercard rate with no FX markup, and free ATM withdrawals up to 400 EUR/month, all debited from a genuinely non-custodial MPC wallet with a named Cypriot EMI issuer and a verifiable MiCA CASP license. The catch is that the famous 'up to 20% cashback' is a lattice of category promos with small eligible-spend caps (realistic value is roughly 1% on everyday spend up to 3,000 EUR/month), the 2% groceries and dining rate already expired in May 2026, rates can change without notice, and the physical card is referral-only. Availability is EEA plus Switzerland only, with 45 excluded nationalities and some EEA countries still on a waiting list.
A long-running hybrid-rail card: crypto side non-custodial per the live Terms (USDC only), fiat/e-money side with unnamed regulated partners. Full KYC, invite-only membership (CHF 0/yr personal), ramp fees 1%/0.5%, and the card cashback is no longer published. Fine for EUR/USDC payments in the EEA if you accept the partner custody on the fiat side - verify card terms before ordering.
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