Yearly cost at three spending levels
| Monthly spend | MetaMask Card | Bitget Wallet |
|---|---|---|
| $500 | -$42 Virtual (free) | ≤ +$99.60 Base |
| $2,000 | +$12 Virtual (free) | ≤ +$398.40 Base |
| $5,000 | +$120 Virtual (free) | ≤ +$996 Base |
Net value per year: cashback minus conversion, FX, ATM and fixed 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) | Bitget Wallet Base |
|---|---|---|
| Top-up and conversion fees | -$132 | $0 |
| Spending fees | $0 | $0 |
| Foreign exchange markup | -$48 | -$81.60 |
| ATM fees | -$48 | Not disclosed |
| Annual, monthly and subscription fees | $0 | $0 |
| Cashback | +$240 | +$480 |
| Net per year | +$12 | +$398.40 |
Fees
MetaMask Card charges 0.5% to convert or top up and 1% on spending in a foreign currency. Bitget Wallet charges 0% and 1.7%.
The conversion fee applies to every dollar you load, so Bitget Wallet's lower rate matters most for everyday spending in your home currency. On $1,000 of spending, the gap is $5.
ATM withdrawals: MetaMask Card 2%; Bitget Wallet no atm access (virtual card only).
A virtual card costs nothing with MetaMask Card and $0.10 with Bitget Wallet. A physical card costs an undisclosed fee and an undisclosed fee. Neither card has an annual fee on its base tier.
Cashback and rewards
MetaMask Card cashback: 1% to 3%. Bitget Wallet cashback: 2% to 3%.
MetaMask Card tiers: Virtual (free): 1%; Metal ($199 a year): 3%.
Bitget Wallet tiers: Base: 2%; Booster: 3%.
MetaMask Card: 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.
Bitget Wallet: Cashback (called assetback) is paid into your choice of Bitcoin, gold, USDC or tokenized US stocks. Small gas fees apply to on-chain transactions.
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.
Bitget Wallet is offered in 41 countries, including France, Germany, Ireland, Italy, Netherlands, Portugal, Spain, United Kingdom, Argentina and Brazil. This entry covers the virtual card issued through Immersve in the EEA, the UK and Latin America. Bitget Wallet also offers cards in Asia (DCS Card Centre, with a physical card), mainland China (Fiat24) and South Africa on different terms.
MetaMask Card needs full KYC and Bitget Wallet 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.
Bitget Wallet does not publish fixed spending or ATM limits.
MetaMask Card works with Apple Pay and Google Pay, and Bitget Wallet works with Apple Pay and Google Pay. MetaMask Card and Bitget Wallet 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.
Bitget Wallet 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. Bitget Wallet names its regional card issuers (Immersve for Europe and Latin America) but does not publish their licences on its card pages.
Full reports: MetaMask Card safety check and Bitget Wallet 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.
Bitget Wallet Card (Europe and Latin America) is a self-custody Mastercard from Bitget Wallet (issued through Immersve). It tops up with USDC and USDT.
Which card fits you
MetaMask Card fits if
- You spend in foreign currencies often, since its FX markup is lower.
Bitget Wallet fits if
- Most of your spending is in your home currency, where its lower conversion fee counts most.
Read more: MetaMask Card fees and details · Bitget Wallet fees and details · MetaMask Card review