Review
What it is
MetaMask Card is a virtual crypto card. It is a debit card. It is issued by Monavate. Payments run on the Mastercard network.
Funding and spending
You keep your keys, and the card spends from your own wallet. It is funded with crypto. You can top it up by crypto. You can reload it after the first load. It can be funded with 7 assets: EURC, USDC, USDT, EURE, GBPE, MUSD and WETH. Top-ups are accepted on 4 blockchain networks: Base, Linea, Monad and Solana.
Fees
It has no virtual card issuance fee. The annual fee is free to USD 199, depending on tier. It has no monthly fee. The foreign currency fee is 0% to 1%, depending on tier. The crypto conversion spread is 0.88%. It has no top-up fee. The ATM withdrawal fee is 0% to 2%, depending on tier. Some of these fees have conditions, which are listed in the fees table on this page.
Limits and rewards
Daily spending limit: USD 15,000 to USD 30,000, depending on tier. ATM withdrawal limit per day: USD 1,000 to USD 5,000, depending on tier. Maximum per payment: USD 10,000 to USD 20,000, depending on tier. It pays 1% to 3% back on card spend, depending on tier. Rewards are paid in mUSD. It works with Apple Pay and Google Pay.
Signing up
Signing up needs full KYC: a government ID document, and sometimes a selfie. You can apply in 45 countries. That includes 33 in Europe, 7 in North America and 5 in South America. You cannot apply in the United Kingdom and the United States.
How we check
We last checked this card on 15 Oct 2026, against 9 official issuer pages. The tables below show the source and the check date of every value we have verified. Facts not listed here are unknown so far.
Tiers compared
| Fee or limit | Free | Metal |
|---|---|---|
| Card issuance | Free | Not verified |
| Annual fee | Free | USD 199 |
| Monthly fee | Free | Not verified |
| Foreign currency (FX) | 1% | 0% |
| ATM withdrawal | 2% | 0% |
| Card replacement | Not verified | USD 99 |
| Other fee | 1% | 0% |
| ATM per day | USD 1,000 | USD 5,000 |
| Daily spend | USD 15,000 | USD 30,000 |
| Maximum per payment | USD 10,000 | USD 20,000 |
| Back on card spend | Not verified | 3% |
Fees, limits and the reward rate for each tier. A cell that says Not verified has no checked figure yet.
Pros and cons of MetaMask Card
Pros
- No monthly fee
- Low foreign exchange fee: 0% to 1%
- No card issuance fee
- 1% back, up to 3% on higher tiers
- Self-custody: you keep control of your funds
- You can apply in 45 countries
Who it suits
- People who want to keep control of their own keys
- Frequent travellers, as foreign exchange fees are low
- People who want cashback on everyday spending
Built only from facts we have verified. Anything we have not verified is left out.
Fees
Amounts in the card currency, as the issuer publishes them?
?
?
Limits
Rewards
Top-up assets and networks
- EURCBaseChecked 03 Oct 2026agingsource
- EURELineaChecked 03 Oct 2026agingsource
- GBPELineaChecked 03 Oct 2026agingsource
- MUSDLineaChecked 03 Oct 2026agingsource
- USDCBaseLineaMonadSolanaChecked 03 Oct 2026agingsource
- USDTBaseLineaSolanaChecked 03 Oct 2026agingsource
- WETHBaseLineaChecked 03 Oct 2026agingsource
Access and funding
Where it's available
Applying for the card and using it are tracked separately.
Virtual card only: nothing is shipped.
Rules the issuer states
- Yes, the MetaMask Card works worldwide wherever Mastercard is accepted, at over 150 million merchants.Checked 03 Oct 2026agingsource
No country matches your search.
No information for 5 countries yet
Frequently asked questions about MetaMask Card
Who issues MetaMask Card?
MetaMask Card is issued by Monavate. Payments run on the Mastercard network.
Is MetaMask Card a virtual or a physical card?
MetaMask Card is a virtual card only.
Does MetaMask Card require KYC?
Signing up needs full KYC: a government ID document, and sometimes a selfie.
How do I top up MetaMask Card?
You can top it up by crypto. MetaMask Card has no top-up fee.
Does MetaMask Card work with Apple Pay and Google Pay?
It works with Apple Pay and Google Pay.
Which crypto can I use with MetaMask Card?
It can be funded with 7 assets: EURC, USDC, USDT, EURE, GBPE, MUSD and WETH. Top-ups are accepted on 4 blockchain networks: Base, Linea, Monad and Solana.
Does MetaMask Card have an annual fee?
It depends. The annual fee is free to USD 199, depending on tier.
What does MetaMask Card charge on payments in a foreign currency?
The foreign currency fee is 0% to 1%, depending on tier. The conditions are listed in the fees table on this page.
Does MetaMask Card pay cashback?
Yes. It pays 1% to 3% back on card spend, depending on tier. Rewards are paid in mUSD.
What are the spending and ATM limits of MetaMask Card?
Daily spending limit: USD 15,000 to USD 30,000, depending on tier. ATM withdrawal limit per day: USD 1,000 to USD 5,000, depending on tier. Maximum per payment: USD 10,000 to USD 20,000, depending on tier.
In which countries can I apply for MetaMask Card?
You can apply in 45 countries. That includes 33 in Europe, 7 in North America and 5 in South America. You cannot apply in the United Kingdom and the United States.
Sources
- Fees pageLimits and feessupport.metamask.ioChecked 15 Oct 2026
- Supported countriesCardmetamask.ioChecked 15 Oct 2026
- Other official pageCard faqsupport.metamask.ioChecked 15 Oct 2026
- Other official pageWhat is metamask cardsupport.metamask.ioChecked 15 Oct 2026
- Other official pageGetting started with cardsupport.metamask.ioChecked 15 Oct 2026
- Other official pageFundingsupport.metamask.ioChecked 15 Oct 2026
- Other official pageUsingsupport.metamask.ioChecked 15 Oct 2026
- Other official pageMetal cardsupport.metamask.ioChecked 15 Oct 2026
- Other official pageSecurity privacysupport.metamask.ioChecked 15 Oct 2026
- Supported countriesUk migrationsupport.metamask.io