Moonwell Card vs MetaMask Card
On cashback MetaMask Card wins (up to 3%, but the full rate requires Nessuno); for spending abroad FX markup matters, and MetaMask Card does better (0% vs 1.5%). In our editorial rating MetaMask Card leads (5.0 vs 4.0). The choice depends on your real spending profile: redo the math with your volumes before picking between Moonwell Card and MetaMask Card.
| Moonwell Card | MetaMask Card | |
|---|---|---|
| Tier | B | S |
| Rating | ★ 4.0 | ★ 5.0 |
| Estimated net annual cost | €0 | €0 |
| Network | Visa | Mastercard |
| Fund custody | Self-custody (funds in your control) | Self-custody (funds in your control) |
| Issuance fee | Free | Free |
| Annual fee | Free | Free |
| Free ATM limit | $2,000/day (max 3 withdrawals), $10,000/month | $1,000/day |
| ATM withdrawal | 3% | 2% |
| FX markup | 1.5% | 0% |
| Cashback | Not disclosed | 3% in mUSD · Nessuno |
| Chains | Base | Linea, Base, Solana |
| On-chain settlement | Yes | Yes |
| Contactless | Yes | Yes |
| Virtual card | Yes | Yes |
| KYC | Full | Full |
| Privacy | 4/10 | 8/10 |
| Supported countries | US, EEA, UK, APAC, LATAM · 180+ countries | UK, EEA, LATAM · 30+ countries |
| Funding / solidity | Moonwell è un protocollo DeFi di lending open-source sulla rete Base, governato da una DAO (token WELL). La Moonwell Card è realizzata in collaborazione con Cypher, con il partner bancario Reap (Hong Kong) come emittente Visa. | 30M+ wallet attivi · valutazione pre-IPO $10B+ |
| Regulator | Reap (partner bancario, membro principale Visa con sede a Hong Kong) | Financial Conduct Authority (FCA) — UK |
| Segment | B2C | B2C |
| OAM Italy registration | — | No |
| Regions | US, EU/EEA, UK, APAC, LATAM | UK, EU/EEA, LATAM |
| Licences & safety |
Frequently asked questions
Moonwell Card vs MetaMask Card: which is better?
On cashback MetaMask Card wins (up to 3%, but the full rate requires Nessuno); for spending abroad FX markup matters, and MetaMask Card does better (0% vs 1.5%). In our editorial rating MetaMask Card leads (5.0 vs 4.0). The choice depends on your real spending profile: redo the math with your volumes before picking between Moonwell Card and MetaMask Card.
Which is cheaper, Moonwell Card or MetaMask Card?
On the standard spending profile Moonwell Card has the lowest net annual cost: €0 versus €0 for MetaMask Card.
Which offers more cashback, Moonwell Card or MetaMask Card?
MetaMask Card has the highest cashback: up to 3%. Note the top rate often requires token staking and is subject to spending caps.
Is Moonwell Card custodial or self-custody?
Moonwell Card is self-custody: you keep the keys, while MetaMask Card is self-custody.
Which is better for spending abroad?
For foreign-currency spending MetaMask Card wins, with the lowest FX markup: 0%.