Yearly cost at three spending levels
| Monthly spend | MetaMask Card | CL Card |
|---|---|---|
| $500 | -$42 Virtual (free) | -$142.15 Standard |
| $2,000 | +$12 Virtual (free) | -$322.15 Standard |
| $5,000 | +$120 Virtual (free) | -$682.15 Standard |
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) | CL Card Standard |
|---|---|---|
| Top-up and conversion fees | -$132 | -$528 |
| Spending fees | $0 | $0 |
| Foreign exchange markup | -$48 | $0 |
| ATM fees | -$48 | -$34.15 |
| Annual, monthly and subscription fees | $0 | $0 |
| Cashback | +$240 | +$240 |
| Net per year | +$12 | -$322.15 |
Fees
MetaMask Card charges 0.5% to convert or top up and 1% on spending in a foreign currency. CL Card charges 2% and 0%.
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 $15.
ATM withdrawals: MetaMask Card 2%; CL Card €2.50.
A virtual card costs nothing with MetaMask Card and nothing with CL 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%. CL Card cashback: 1% to 2%.
MetaMask Card tiers: Virtual (free): 1%; Metal ($199 a year): 3%.
CL Card tiers: Standard: 1%; BXX rewards: 2%.
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.
CL Card: Ledger's page says "1% cashback in BTC, USDC, or USDT" (BTC or USDC in the US, BTC or USDT elsewhere), claimed from the Loyalty program page. CL's own FAQ also offers 2% if you take the reward in Baanx's BXX token. Spending funded by the Cryptodraft credit line earns nothing. No spend or reward cap is published.
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.
CL Card is offered in 37 countries, including France, Germany, Ireland, Italy, Netherlands, Portugal, Spain, United Kingdom, United States and Canada. Ledger says "The CL Card is currently available in the EEA, the UK, the US, Canada, Switzerland, Colombia, Mexico, and Brazil." This file uses the EU fee schedule. You do not need a Ledger device to get the card.
MetaMask Card needs full KYC and CL 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.
CL Card does not publish fixed spending or ATM limits.
MetaMask Card works with Apple Pay and Google Pay, and CL Card works with Apple Pay and Google Pay. MetaMask Card and CL 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.
CL Card scores 64/100. Licensing: issued by a bank or e-money institution regulated in a tier-one jurisdiction. The card is issued through UAB Monavate. No incidents or enforcement actions found in the last 36 months. Only money loaded to the card as e-money is safeguarded under e-money rules. Crypto deposited to the CL platform becomes Baanx's property, and Baanx's terms warn that "in the event that any of Us becomes insolvent ... You may not be able to have the full value of Your deposits restored". Baanx describes its crypto services as "not regulated financial services". We could not find a published proof-of-reserves report. We found no official enforcement actions against the card providers. Ledger's own past security incidents are not listed, because Ledger does not provide or hold funds for the card.
Full reports: MetaMask Card safety check and CL 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.
Ledger CL Card (Europe) is a custodial Visa card from Baanx (CL Card), card account by UAB Monavate. It tops up with BTC, ETH, USDT, USDC, LTC, XRP and SOL and its balance is held in EUR.
Which card fits you
MetaMask Card fits if
- You want to keep crypto in your own wallet until each payment.
- 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.
CL Card fits if
- You spend in foreign currencies often, since its FX markup is lower.
Read more: MetaMask Card fees and details · CL Card fees and details · MetaMask Card review