Mastercard · Self-custody · Full KYC · Virtual and Physical

MetaMask Card: Fees, Limits and Cashback

MetaMask Card is a self-custody Mastercard from MetaMask (Consensys) that charges 0.5% to convert crypto when you spend. The FX markup on foreign-currency spending is 1%, and cashback is 1%, or up to 3% on higher tiers. There is no annual fee. It is offered in 45 countries.

Verified September 24, 2026Issued by MetaMask (Consensys)

54/100

Overall rating

Countries offered

Free

Annual fee

0.5%

Conversion fee

FX markup

1% to 3%

Cashback

65/100

Safety score · Good

MetaMask Card pros and cons

Pros

No annual or monthly fee on the base tier
1% FX markup on foreign-currency spending
1% cashback, up to 3% on higher tiers
Self-custody: funds stay in your wallet until you pay
Works with Apple Pay and Google Pay
Free virtual card
Safety score 65/100 (Good)

Cons

0.5% crypto conversion fee

MetaMask Card fees and limits

Virtual card	Free
Physical card	Not disclosed
Annual fee	Free
Monthly fee	None
Crypto conversion fee	0.5%
FX markup	1%
Fee on purchases in USD	None
ATM withdrawals	2%
Daily spending limit	$15,000
Monthly spending limit	Not disclosed
Daily ATM limit	$1,000
Card currency	USD

"Not disclosed" means MetaMask Card does not publish the figure. Fees are read from the issuer's own pages, linked under Sources.

MetaMask Card cashback and rewards

Tier	Rate	Paid in	Monthly spend cap	Requirement
Virtual (free)	1%	mUSD	None published	None
Metal ($199 a year)	3%	mUSD	None published	$16.58 a month subscription

Paid in mUSD. The Metal tier also removes the 1% cross-border fee and adds $1,200 a month of free ATM withdrawals, which this model does not reflect.

What MetaMask Card costs over a year

Net value per year after cashback, conversion, FX, ATM and fixed fees, with US dollars as the home currency, 20% of spending abroad and one $200 ATM withdrawal a month.

Monthly spending	Net per year	Tier used
$500	-$42	Virtual (free)
$2,000	+$12	Virtual (free)
$5,000	+$120	Virtual (free)

Run it with your own numbers in the card cost calculator.

MetaMask Card Apple Pay, Google Pay and ATM withdrawals

MetaMask Card works with Apple Pay and Google Pay. The virtual card is ready to use as soon as it is issued. ATM withdrawals: 2%, up to $1,000 a day. It runs on Mastercard, so it works wherever that network is accepted, online and in shops.

Where MetaMask Card is available

MetaMask Card is offered in the 45 countries below. MetaMask lists these countries on its card page. Sign-ups in the US and UK are temporarily closed.

Supported countries (45)

Andorra
Argentina
Austria
Belgium
Brazil
Bulgaria
Canada
Chile
Colombia
Costa Rica
Croatia
Cyprus
Denmark
Dominican Republic
El Salvador
Finland
France
Germany
Gibraltar
Greece
Guatemala
Guernsey
Hungary
Iceland
Ireland
Isle of Man
Italy
Jersey
Liechtenstein
Luxembourg
Malta
Mexico
Monaco
Netherlands
Norway
Panama
Poland
Portugal
Romania
Slovakia
Slovenia
Spain
Sweden
Switzerland
Uruguay

The crypto card finder lists every card we track by country.

Topping up MetaMask Card

MetaMask Card tops up with USDC, USDT, mUSD, wETH, EURe and GBPe. Converting crypto costs 0.5%. The card is self-custody, so funds stay in your wallet until you pay.

How to get the MetaMask Card

Check that you live in a country where MetaMask Card is offered (see the list above).
Download the MetaMask app and complete identity verification with a government ID and a selfie check.
Top up with USDC, USDT, mUSD, wETH, EURe and GBPe.
Issue the virtual card for free and add it to Apple Pay or Google Pay.
Order the physical card if you need ATM withdrawals or chip and PIN payments.

Who the MetaMask Card suits

Travellers and people who pay in several currencies, thanks to its 1% FX markup.
Wallet users who want funds to stay in their own wallet until they pay.

MetaMask Card overall rating

MetaMask Card rates 54/100 in our crypto card ranking.

Factor	Detail	Points
Reach	45 countries	19 / 40
Yearly cost	+$12 a year at $2,000 a month	15.3 / 30
Safety	65/100	19.5 / 30

Is MetaMask Card safe?

MetaMask Card scores 65/100 (Good) in our safety check. Issuer: MetaMask (Consensys). Licence details are not published.

Funds stay in the user's own MetaMask wallet until each payment. US cards are issued by Cross River Bank, Member FDIC; the issuer for the countries listed here is not named on MetaMask's site.

Full MetaMask Card safety report

Compare MetaMask Card with other cards

Frequently asked questions

What are the MetaMask Card fees?

MetaMask Card charges a 0.5% conversion fee, a 1% FX markup on foreign-currency spending, no annual fee. The virtual card is free. Its ATM fee is listed in the fees table on this page.

Is MetaMask Card available in the US?

No. MetaMask Card does not offer the card to US residents. MetaMask lists these countries on its card page. Sign-ups in the US and UK are temporarily closed.

Does MetaMask Card have cashback?

Yes. MetaMask Card pays 1% to 3%. Paid in mUSD. The Metal tier also removes the 1% cross-border fee and adds $1,200 a month of free ATM withdrawals, which this model does not reflect.

What is the MetaMask Card ATM withdrawal fee?

MetaMask Card charges 2% per ATM withdrawal. The daily ATM limit is $1,000. ATM operators may add their own fee.

Does MetaMask Card work with Apple Pay and Google Pay?

Yes. MetaMask Card supports both Apple Pay and Google Pay.

Is MetaMask Card safe?

MetaMask Card scores 65/100 (Good) in our safety check, which looks at licensing, custody, fund segregation, proof of reserves and incident history. Keeping only what you plan to spend on any crypto card is a sensible habit.

Sources

MetaMask Card fees · checked September 24, 2026
MetaMask Card availability · checked September 24, 2026
MetaMask Card terms and licensing · checked September 24, 2026