The most mainstream self-custody card: MetaMask wallet spending stablecoins on Linea through a Monavate-issued Mastercard, keys stay yours. Application throughput and the stablecoin-only rail are the practical limits.
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by the cryptodebitcards editorial desk · review version 4 · prose updated 2026-09-21 · facts as of 2026-09-21 · how we verify
The MetaMask Card is a virtual debit card offered by MetaMask, a crypto-native provider, on the Mastercard network. It is designed for users who want to spend their cryptocurrencies directly from their MetaMask wallet. The card is available in several regions, including the EEA, UK, US, LATAM, and MENA.
The MetaMask Card has no issuance fee for the virtual card, but the Metal card requires a $199/year subscription. There are no monthly fees, top-up fees, or inactivity fees. The card charges a 1% foreign exchange fee, a 2% ATM fee, and ATM operator fees are possible. Stablecoin transactions in the cardholder's currency incur no fee, while non-matching stablecoins incur a 0.5% fee.
The MetaMask Card requires full KYC, which is triggered during the application process. Users must verify their identity, but the specific documents required are not specified. The application process can take several weeks, and some users have reported delays.
The MetaMask Card supports direct loading of several cryptocurrencies, including mUSD, USDC, USDT, wETH, EURe, and GBPe, on various networks such as Linea, Solana, Base, and Monad. There are no top-up fees, and the minimum top-up amount is not specified. The card spends directly from the user's MetaMask wallet, and network gas fees on Linea are approximately $0.01.
The MetaMask Card offers a cashback reward of 1% in mUSD for virtual card transactions and 3% in mUSD for Metal card transactions, with a cap on the Metal card reward. The cashback is auto-deposited into the user's Money Account.
MetaMask is a well-established provider with a reputation for self-custodial wallets. However, some users have reported issues with application processing and card management. There are no red flags, but the data quality is reported, not verified. External sources, such as Reddit threads, document some users' experiences with delayed application processing and card issues.
The MetaMask Card is a suitable option for users who want to spend their cryptocurrencies directly from their MetaMask wallet. However, users should be aware of the potential delays in application processing and the limited availability of the Metal card. The card's rewards program and lack of fees make it an attractive option, but users should carefully review the terms and conditions before applying.
| 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% |
| 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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Based on our checks as of 2026-09-21: MetaMask Card scores 5.6/10 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.
Yes, full KYC is required during the application process.
The card charges a 1% foreign exchange fee, a 2% ATM fee, and ATM operator fees are possible.
The card supports direct loading of several cryptocurrencies, including mUSD, USDC, USDT, wETH, EURe, and GBPe.
Yes, the card offers a cashback reward of 1% in mUSD for virtual card transactions and 3% in mUSD for Metal card transactions.
The card is available in several regions, including the EEA, UK, US, LATAM, and MENA.
The MetaMask Card is available as both a virtual and physical (Metal) card.
The reference architecture for self-custody spending: your own Safe smart account settles stablecoins to a Monavate-issued Visa - no custodial balance. The 2026 B2B pivot means consumers now reach it through partner apps, and rewards are minimal.
A self-custody stablecoin banking app whose Visa card (issued by Wirex) is live and documented: 1-8% cashback tiers, free virtual card, Apple Pay/Google Pay, EUR 30k/month limits, up to 5% APY. The rewards are real but tier-gated by $COCA staking and monthly claim caps; the '0% FX' marketing does not survive independent measurement (1.18% spread), and the no-CRS/DAC8 claim deserves skepticism.
A veteran self-custody rail for EUR stablecoins - your keys, your EURS - with the usual trade-offs: full KYC, EEA focus, minimal rewards and stablecoin-only rails.
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