MetaMask Card Virtual
A plan byMetaMask Card · Mastercard
The MetaMask Card is a self-custody Mastercard: funds stay on-chain in your MetaMask wallet until the moment of payment. It comes in two tiers: the free Virtual tier with 1% cashback, and the $199/year Metal tier with 3% mUSD cashback on the first annual spending tier and 0% FX markup. The Metal fee, however, only pays off with high spending (above ~$830/month).
Virtual
- Price
- Free
- Issuance fee
- Free
- FX markup
- 1%
- Cashback
- 1%
- Cashback currency
- USDC o asset scelto
- Required staking
- Nessuno
- ATM fee
- 2%
- ATM limit
- $1.000/giorno
- Net annual cost
- Free
What's included
- 1% cashback uncapped
- FX 1% cross-border
- Daily limit $15K
- Issuance gratis
- Apple Pay/Google Pay
Data & conditions
§ Amounts in USD/GBP are shown in the service's native currency.
| Network | Mastercard |
|---|---|
| Fund custody | Self-custody (funds in your control) |
| Issuance fee | Free |
| Annual fee | Free |
| Free ATM limit | $1,000/day |
| ATM withdrawal | 2% |
| FX markup | 1% |
| Cashback | 1% in USDC o asset scelto · Nessuno |
| Chains | Linea, Base, Solana |
| On-chain settlement | Yes |
| Contactless | Yes |
| Virtual card | Yes |
| KYC | Full |
| Privacy | 8/10 |
| Supported countries | UK, EEA, LATAM · 30+ countries |
| Funding / solidity | 30M+ wallet attivi · valutazione pre-IPO $10B+ |
| Estimated net annual cost | €0/year |
| Regulator | Financial Conduct Authority (FCA) — UK |
| OAM Italy registration | No |
| Segment | B2C |
| Funding / solidity | 30M+ active wallets · $10B+ pre-IPO valuation |
| MiCA / License status | EURe/GBPe compliant (EU/UK) |
Strengths
- Self-custody: funds stay on-chain until payment
- Free Virtual tier with 1% cashback
- Metal tier with 0% FX markup + 3% mUSD cashback
- Supports Ethereum, Polygon and Linea
- Self-custody: funds stay in your wallet — the platform cannot touch them.
Weaknesses
- The $199/year Metal fee is worth it only above ~$830/month of spending
- 3% cashback only on the first annual tier, then 1%
- Self-custody means full user responsibility for the keys
- Full KYC required: verified identity, zero pseudonymity.
- Subject to regulation (EURe/GBPe compliant (EU/UK)): reporting to authorities and freezes on order.
Verdict
The top rating reflects a balance that is rare for the segment: FCA oversight, EURe/GBPe compliance, transparent on-chain settlement and a two-tier offering starting with a free Virtual tier at 1% cashback. The caveats stand: the $199-a-year Metal fee only pays off above ~$830/month of spending, the 1% FX markup, and above all self-custody, which means full user responsibility for the keys.
Here MetaMask Card is at the top: funds stay on-chain in your wallet until payment, settlement runs on Linea, Base and Solana, and cashback reaches 3% in mUSD, with the highest privacy score in the group. Native self-custody is precisely the strength under this lens; full KYC remains the only concession to the regulated world.
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
"Sovereignty" rating: score computed on privacy/anonymity (30%), fund control (20%), censorship resistance (20%), trustless/auditability (20%) and costs (10%). Same data, different weights.
FAQ
Are MetaMask Card funds held by a third party?
No: it is a self-custody card, your crypto stays in your on-chain MetaMask wallet until the moment of payment.
When is the MetaMask Card Metal tier worth it?
The $199/year fee is offset by cashback only if you spend more than about $830 per month; below that the free Virtual tier is the better choice.
Sources
- Official service page Plans & pricing · Regulatory framework Data verified on Jun 13, 2026
- architectpartners.com Valuation · Latest funding round · Investors Data verified on Jun 14, 2026
- baanx.com License type · License country · Regulator · Legal name · +3 Data verified on Jun 14, 2026
- github.com Third-party audit Data verified on Jun 14, 2026
Show 7 more sources
- pitchbook.com Founded · Investors Data verified on Jun 14, 2026
- spendnode.io Tier.Virtual.cashback cap eur Data verified on Jun 14, 2026
- trustpilot.com Trustpilot reviews Data verified on Jun 14, 2026
- bleap.finance Cashback.staking richiesto · Annual cost Data verified on Jun 13, 2026
- consensys.io Founders Data verified on Jun 13, 2026
- cryptoslate.com Past incidents Data verified on Jun 13, 2026
- hackerone.com Bug bounty Data verified on Jun 13, 2026