Yearly cost at three spending levels
| Monthly spend | MetaMask Card | Coinbase Card |
|---|---|---|
| $500 | -$42 Virtual (free) | ≤ $0 Crypto rewards |
| $2,000 | +$12 Virtual (free) | ≤ $0 Crypto rewards |
| $5,000 | +$120 Virtual (free) | ≤ $0 Crypto rewards |
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) | Coinbase Card Crypto rewards |
|---|---|---|
| Top-up and conversion fees | -$132 | $0 |
| Spending fees | $0 | $0 |
| Foreign exchange markup | -$48 | Not disclosed |
| ATM fees | -$48 | $0 |
| Annual, monthly and subscription fees | $0 | $0 |
| Cashback | +$240 | Not disclosed |
| Net per year | +$12 | $0 |
Fees
MetaMask Card charges 0.5% to convert or top up and 1% on spending in a foreign currency. Coinbase Card charges 0% and Not disclosed.
The conversion fee applies to every dollar you load, so Coinbase Card'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%; Coinbase Card no card fee.
A virtual card costs nothing with MetaMask Card and an undisclosed fee with Coinbase Card. 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%. Coinbase Card cashback: Variable, not published.
MetaMask Card tiers: Virtual (free): 1%; Metal ($199 a year): 3%.
Coinbase Card tiers: Crypto rewards: rate not published.
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.
Coinbase Card: Rewards are paid in a crypto you choose from a rotating list. Coinbase describes the rate as variable and shows it only in the app.
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.
Coinbase Card is offered in one country, including United States. Available in every US state except Hawaii.
MetaMask Card needs full KYC and Coinbase 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.
Coinbase Card does not publish fixed spending or ATM limits.
MetaMask Card works with Apple Pay and Google Pay, and Coinbase Card does not list either. MetaMask Card issues 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.
Coinbase Card scores 75/100. Licensing: issued by a bank or e-money institution regulated in a tier-one jurisdiction. The card is issued through Pathward, N.A.. 2025-05-15: Overseas support staff bribed by criminals copied customer data for under 1% of monthly transacting users. Coinbase said no passwords, private keys or funds were exposed. The user agreement says customer digital assets are held for customers, are not property of Coinbase and are not subject to claims of Coinbase's creditors.
Full reports: MetaMask Card safety check and Coinbase 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.
Coinbase Card is a custodial Visa card from Coinbase. It tops up with USDC.
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.
- You want a higher cashback ceiling (up to 3%).
Coinbase Card fits if
- Most of your spending is in your home currency, where its lower conversion fee counts most.
- You live in United States, the only market it serves.
- You weigh licensing and fund segregation heavily, since it scores higher on our safety check.
Read more: MetaMask Card review · Coinbase Card fees and details