Yearly cost at three spending levels
| Monthly spend | MetaMask Card | Bybit Card |
|---|---|---|
| $500 | -$42 Virtual (free) | -$3.60 Tier 2 (Beta) |
| $2,000 | +$12 Virtual (free) | +$122.40 Tier 2 (Beta) |
| $5,000 | +$120 Virtual (free) | +$974.40 Tier 3 (Alpha) |
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) | Bybit Card Tier 2 (Beta) |
|---|---|---|
| Top-up and conversion fees | -$132 | -$237.60 |
| Spending fees | $0 | $0 |
| Foreign exchange markup | -$48 | -$96 |
| ATM fees | -$48 | -$24 |
| Annual, monthly and subscription fees | $0 | $0 |
| Cashback | +$240 | +$480 |
| Net per year | +$12 | +$122.40 |
Fees
MetaMask Card charges 0.5% to convert or top up and 1% on spending in a foreign currency. Bybit 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%; Bybit Card 2% after $100 free a month.
A virtual card costs nothing with MetaMask Card and nothing with Bybit Card. A physical card costs an undisclosed fee and $5. Neither card has an annual fee on its base tier.
Cashback and rewards
MetaMask Card cashback: 1% to 3%. Bybit Card cashback: 2% to 10%.
MetaMask Card tiers: Virtual (free): 1%; Metal ($199 a year): 3%.
Bybit Card tiers: Tier 1 (Base): 2%, capped at $5 a month; Tier 2 (Beta): 2%, capped at $50 a month from $500 of monthly spend; Tier 3 (Alpha): 4%, capped at $150 a month from $3,500 of monthly spend; Tier 4 (Apex): 6%, capped at $250 a month from $9,500 of monthly spend; Tier 5 (Omega): 8%, capped at $400 a month from $12,500 of monthly spend; Tier 6 (Infinite): 10%, capped at $600 a month from $25,000 of monthly spend.
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.
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.
Bybit Card is offered in 4 countries, including Australia and Mexico. The fee table on Bybit's help center lists the same fees for Australia, Georgia, Kazakhstan (AIFC), Mexico and an "Asia Pacific" card whose countries Bybit does not list publicly. Bybit's card page says the card is not offered to EEA residents. Argentina, Brazil and Peru use different fees and are not covered by this entry.
MetaMask Card needs full KYC and Bybit 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.
Bybit Card does not publish fixed spending or ATM limits.
MetaMask Card works with Apple Pay and Google Pay, and Bybit Card does not list either. MetaMask Card and Bybit 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.
Bybit Card scores 45/100. Licensing: we could not confirm a licence for the card issuer on its own website. 2025-02-21: About $1.5 billion in ETH was stolen from a Bybit cold wallet. The FBI attributed the theft to North Korean actors. The issuer of the Asia Pacific card is not named on Bybit's public help pages.
Full reports: MetaMask Card safety check and Bybit 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.
Bybit Card (Asia Pacific) is a custodial Mastercard from Bybit. It tops up with USDT, USDC, BTC and ETH.
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.
Bybit Card fits if
- You want a higher cashback ceiling (up to 10%).
Read more: MetaMask Card review · Bybit Card review