Yearly cost at three spending levels
| Monthly spend | MetaMask Card | OKX Card |
|---|---|---|
| $500 | -$42 Virtual (free) | ≤ +$111.60 Non-VIP |
| $2,000 | +$12 Virtual (free) | ≤ +$453.60 Non-VIP |
| $5,000 | +$120 Virtual (free) | ≤ +$621.46 Non-VIP |
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) | OKX Card Non-VIP |
|---|---|---|
| Top-up and conversion fees | -$132 | -$26.40 |
| Spending fees | $0 | $0 |
| Foreign exchange markup | -$48 | $0 |
| ATM fees | -$48 | Not disclosed |
| Annual, monthly and subscription fees | $0 | $0 |
| Cashback | +$240 | +$480 |
| Net per year | +$12 | +$453.60 |
Fees
MetaMask Card charges 0.5% to convert or top up and 1% on spending in a foreign currency. OKX Card charges 0.1% and 0%.
The conversion fee applies to every dollar you load, so OKX Card's lower rate matters most for everyday spending in your home currency. On $1,000 of spending, the gap is $4.
ATM withdrawals: MetaMask Card 2%; OKX Card no atm access (virtual card only).
A virtual card costs nothing with MetaMask Card and nothing with OKX 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%. OKX Card cashback: 2% to 10%.
MetaMask Card tiers: Virtual (free): 1%; Metal ($199 a year): 3%.
OKX Card tiers: Non-VIP: 2% on the first €2,500 a month, capped at €50 a month; VIP 1: 4% on the first €7,500 a month, capped at €300 a month; VIP 2: 4.5% on the first €10,000 a month, capped at €450 a month; VIP 3: 5% on the first €20,000 a month, capped at €1,000 a month; VIP 4+: 10% on the first €10,000 a month, capped at €1,000 a month.
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.
OKX Card: Cashback is earned only on purchases paid with USDG and is credited in USDG. The VIP level depends on your OKX balance and trading volume. Rates apply from 1 September 2026.
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.
OKX Card is offered in 28 countries, including France, Germany, Ireland, Italy, Netherlands, Portugal and Spain. Available across the EU and Norway, excluding Iceland and Liechtenstein. The card is virtual only for now.
MetaMask Card needs full KYC and OKX 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.
OKX Card does not publish fixed spending or ATM limits.
MetaMask Card works with Apple Pay and Google Pay, and OKX Card works with Apple Pay and Google Pay. MetaMask Card and OKX 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.
OKX Card scores 74/100. Licensing: holds a licence or registration outside the tier-one list (MiCA crypto-asset service provider licence from the Malta Financial Services Authority (OKX Europe Limited); OKX says the card itself is not a MiCA-licensed product). 2025-02-24: Aux Cayes FinTech Co. Ltd., an OKX operator, pleaded guilty in the US to operating an unlicensed money transmitting business and agreed to pay more than $504 million. 2025-04-03: Malta's Financial Intelligence Analysis Unit fined OKX's European entity €1.1 million for anti-money laundering failures in 2023. OKX publishes a monthly proof of reserves; the 45th report was published on 30 July 2026.
Full reports: MetaMask Card safety check and OKX 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.
OKX Card (Europe) is a self-custody Mastercard from OKX Europe Limited (Malta). It tops up with USDC and USDG and its balance is held in EUR.
Which card fits you
MetaMask Card fits if
- Its fees and availability match your situation better on the table above.
OKX Card fits if
- 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 10%).
- You weigh licensing and fund segregation heavily, since it scores higher on our safety check.
Read more: MetaMask Card fees and details · OKX Card fees and details · MetaMask Card review