Yearly cost at three spending levels
| Monthly spend | MetaMask Card | Binance Card |
|---|---|---|
| $500 | $42 Virtual (free) | -$20.40 Tier 2 |
| $2,000 | -$12 Virtual (free) | -$386.40 Tier 3 |
| $5,000 | -$120 Virtual (free) | -$398.40 Tier 3 |
Yearly cost: conversion, FX, ATM and fixed fees minus cashback. A minus sign means cashback outweighs fees. US dollars, 20% foreign spending, one $200 ATM withdrawal a month. The card cost calculator runs the same comparison with your own habits.
Where the money goes at $2,000 a month
| Line | MetaMask Card Virtual (free) | Binance Card Tier 3 |
|---|---|---|
| Top-up and conversion fees | $132 | $237.60 |
| Spending fees | $0 | $0 |
| Foreign exchange markup | $48 | $96 |
| ATM fees | $48 | $0 |
| Annual, monthly and subscription fees | $0 | $0 |
| Cashback | -$240 | -$720 |
| Yearly cost | -$12 | -$386.40 |
Fees
MetaMask Card charges 0.5% to convert or top up and 1% on spending in a foreign currency. Binance Card charges 0.9% and 2%.
The conversion fee applies to every dollar you load, so MetaMask Card's lower rate matters most for everyday spending in your home currency. On $1,000 of spending, the gap is $4.00.
ATM withdrawals: MetaMask Card 2%; Binance Card $1.50 after 2 free a month.
A virtual card costs nothing with MetaMask Card and nothing with Binance Card. A physical card costs an undisclosed fee and $10. Neither card has an annual fee on its base tier.
Cashback and rewards
MetaMask Card cashback: 1% to 3%. Binance Card cashback: 1.5% to 3%.
MetaMask Card tiers: Virtual (free): 1%; Metal ($199 a year): 3%.
Binance Card tiers: Tier 1: 1.5%; Tier 2: 2% from $100 of monthly spend; Tier 3: 3%, capped at $100 a month from $1,000 of monthly spend.
MetaMask Card: Paid in mUSD. The Metal tier pays 3% on the first $10,000 spent each year and 1% after that, removes the 1% cross-border fee and adds $1,200 a month of free ATM withdrawals. Metal card orders have been paused since 2 June 2026.
Binance Card: Tiers updated on 1 June 2026. The tier you reach in a calendar month applies to all of that month's eligible spending, and cashback is paid by the 10th of the next month in USDC or BTC depending on your country. Brazil uses the same rates in BRL with a R$500 cap.
Availability and KYC
MetaMask Card is offered in 45 countries, including Argentina, Brazil, Canada, France, Germany, Ireland, Italy, Mexico, Netherlands and Portugal. MetaMask lists these countries on its card page. Sign-ups in the US and UK are temporarily closed.
Binance Card is offered in 8 countries, including Australia, Mexico, Argentina and Brazil. Binance runs the card through its Global Program in "selected countries" and confirms eligibility at application. Its support pages name Australia, New Zealand, Mexico, Colombia, Peru and Armenia, plus some CIS countries it doesn't list, and separate programs in Argentina and Brazil. It isn't offered in the US, the UK or the EU.
MetaMask Card needs full KYC and Binance Card needs full KYC.
The card finder checks both cards against your country, KYC level and must-have features.
Limits, wallets and card types
MetaMask Card publishes a daily spending limit of $15,000 and ATM withdrawals of up to $1,000 a day.
Binance Card publishes a daily spending limit of $5,000 and a monthly limit of $15,000.
MetaMask Card works with Apple Pay and Google Pay, and Binance Card works with Apple Pay. MetaMask Card and Binance Card issue a virtual card you can use straight away.
Custody and safety
MetaMask Card scores 65/100. Licensing: we could not confirm a licence for the card issuer on its own website. No incidents or enforcement actions found in the last 36 months. 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.
Binance Card scores 61/100. Licensing: holds a licence or registration outside the tier-one list (Outside Brazil and Argentina, the card is issued by Immersve Limited, a New Zealand company (FSP1003031) and Mastercard Global Reach partner. In Brazil it is issued by Dock, a payment institution regulated by the Central Bank of Brazil). The card is issued through Immersve Limited. 2023-11-21: Binance pleaded guilty in the US to anti-money laundering and sanctions violations and agreed to pay more than $4 billion. Binance stopped offering new crypto-asset services in the EU from 1 July 2026 after withdrawing its MiCA application.
Full reports: MetaMask Card safety check and Binance Card safety check.
About each card
MetaMask Card is a self-custody Mastercard from MetaMask (Consensys). It tops up with USDC, USDT, mUSD, wETH, EURe and GBPe.
Binance Card is a custodial Mastercard from Binance. It tops up with USDT, USDC, FDUSD, BNB, BTC, ETH, SOL, ADA, LINK and XRP.
Which card fits you
MetaMask Card fits if
- You want to keep crypto in your own wallet until each payment.
- You spend in foreign currencies often, since its FX markup is lower.
- Most of your spending is in your home currency, where its lower conversion fee counts most.
- You weigh licensing and fund segregation heavily, since it scores higher on our safety check.
Binance Card fits if
- Its fees and availability match your situation better on the table above.
Read more: MetaMask Card fees and details · Binance Card fees and details · MetaMask Card review · Binance Card review