MetaMask Card Metal
MetaMask · Mastercard
The MetaMask Card Metal is a self-custody Mastercard: funds stay on-chain in your MetaMask wallet until the moment of payment. It offers 0% FX markup and 3% cashback in mUSD on the first annual spending tier. The $199/year fee, however, only pays off with high spending (above ~$830/month).
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 | €183/year |
| Free ATM limit | $1,200/month free, then 2% |
| ATM withdrawal | 2% |
| FX markup | 0% |
| Cashback | 3% in mUSD · Nessuno |
| Chains | Ethereum, Polygon, Linea |
| On-chain settlement | Yes |
| Contactless | Yes |
| Virtual card | Yes |
| KYC | Full |
| Privacy | 8/10 |
| Supported countries | US, UK, EEA, LATAM · 30+ countries |
| Funding / solidity | 30M+ wallet attivi · valutazione pre-IPO $10B+ |
| Estimated net annual cost | €183/year |
| OAM Italy registration | No |
| Segment | B2C |
| Funding / solidity | 30M+ active wallets · $10B+ pre-IPO valuation |
| MiCA / License status | EURe/GBPe compliant (EU/UK) |
Plans & pricing
Strengths
- Self-custody: funds stay on-chain until payment
- 0% FX markup + 3% cashback in mUSD
- Supports Ethereum, Polygon and Linea
Weaknesses
- $199/year fee: 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
Verdict
The MetaMask Card Metal is a self-custody Mastercard: funds stay on-chain in your MetaMask wallet until the moment of payment. It offers 0% FX markup and 3% cashback in mUSD on the first annual spending tier. The $199/year fee, however, only pays off with high spending (above ~$830/month).
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
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 fee worth it?
The $199/year fee is offset by cashback only if you spend more than about $830 per month.
Sources
- Official service page Data verified on Jun 1, 2026
- Verified source Data verified on Jun 13, 2026
Update history
- Entry rebuilt from the v2 canonical dataset (manually verified record).