Yearly cost at three spending levels
| Monthly spend | MetaMask Card | Crypto.com Card |
|---|---|---|
| $500 | -$42 Virtual (free) | ≤ -$24 Basic (Midnight) |
| $2,000 | +$12 Virtual (free) | ≤ -$96 Basic (Midnight) |
| $5,000 | +$120 Virtual (free) | ≤ -$240 Basic (Midnight) |
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) | Crypto.com Card Basic (Midnight) |
|---|---|---|
| Top-up and conversion fees | -$132 | Not disclosed |
| Spending fees | $0 | $0 |
| Foreign exchange markup | -$48 | -$96 |
| ATM fees | -$48 | $0 |
| Annual, monthly and subscription fees | $0 | $0 |
| Cashback | +$240 | $0 |
| Net per year | +$12 | -$96 |
Fees
MetaMask Card charges 0.5% to convert or top up and 1% on spending in a foreign currency. Crypto.com Card charges Not disclosed and 2%.
ATM withdrawals: MetaMask Card 2%; Crypto.com Card 2% after €200 free a month.
A virtual card costs nothing with MetaMask Card and nothing with Crypto.com Card. A physical card costs an undisclosed fee and €4.99. Neither card has an annual fee on its base tier.
Cashback and rewards
MetaMask Card cashback: 1% to 3%. Crypto.com Card cashback: None.
MetaMask Card tiers: Virtual (free): 1%; Metal ($199 a year): 3%.
Crypto.com Card tiers: Basic (Midnight): 0%.
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.
Crypto.com Card is offered in 30 countries, including France, Germany, Ireland, Italy, Netherlands, Portugal and Spain. This entry covers the card for users with a residential address in Europe (EEA). Crypto.com publishes separate fee schedules for the US, UK, Australia, Singapore, Brazil and GCC markets.
MetaMask Card needs full KYC and Crypto.com 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.
Crypto.com Card publishes a daily spending limit of €25,000, a monthly limit of €25,000 and ATM withdrawals of up to €2,000 a day.
MetaMask Card works with Apple Pay and Google Pay, and Crypto.com Card works with Apple Pay and Google Pay. MetaMask Card and Crypto.com 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.
Crypto.com Card scores 59/100. Licensing: holds a licence or registration outside the tier-one list (MiCA crypto-asset service provider authorisation, Malta Financial Services Authority). No incidents or enforcement actions found in the last 36 months. The e-money institution that issues the European card is not named on Crypto.com's public fee pages.
Full reports: MetaMask Card safety check and Crypto.com 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.
Crypto.com Visa Card (Europe) is a custodial Visa card from Crypto.com (Foris DAX MT Limited in the EU). It tops up with USDT, USDC, BTC and ETH and its balance is held in EUR. Card rewards on the Plus, Pro and Private Level Up plans are advertised as up to 4.5%, but Crypto.com does not publish the rate for each plan in Europe, so only the Basic plan is modelled.
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 want a higher cashback ceiling (up to 3%).
- You weigh licensing and fund segregation heavily, since it scores higher on our safety check.
Crypto.com Card fits if
- Its fees and availability match your situation better on the table above.
Read more: MetaMask Card review · Crypto.com Card review