The MetaMask Card is a Mastercard debit card from MetaMask, the wallet run by Consensys. You link it to your existing MetaMask wallet and spend crypto anywhere Mastercard is accepted, in shops or online, with tap to pay through Apple Pay or Google Pay. KYC is required, so this is a regulated product, not an anonymous burner.
One thing sets it apart from almost every rival: it is non-custodial. Your money stays in your own MetaMask wallet right up to the second you pay. There is no exchange holding your balance, no waiting for a load to clear, no account you top up in advance. That single design choice changes who this card is for, and it is worth understanding before you sign up.
MetaMask Card at a glance
| Detail | What you get |
|---|---|
| Network | Mastercard (debit) |
| Custody | Non-custodial: funds stay in your MetaMask wallet |
| KYC | Required |
| Card format | Virtual card only today (a physical Metal card is announced but not yet orderable) |
| Virtual fee | Free |
| Metal fee | $199/year, once it launches (not available now) |
| FX fee | 0% advertised on the metal tier (currently only the free virtual card ships) |
| Cashback | 1% in mUSD on the virtual card (the 3% metal tier is not yet available) |
| Supported tokens | mUSD, wETH, EURe, GBPe, USDC, USDT |
| Networks | Linea, Base, Solana, Monad |
| Availability | 44+ countries. US signups paused |
How the non-custodial model actually works
Most crypto cards ask you to move funds onto an exchange or a prepaid balance first. You load the card, then you spend from that pot. The MetaMask Card skips that step. When you tap or enter your card details, MetaMask pulls the crypto from your wallet at that moment and settles the payment. Until then, the coins sit under your own keys, and only you can move them.
This matters for two reasons. You keep control, so an exchange freeze or collapse cannot lock up your spending money the way it might with a custodial card. You also skip the dead time and the transfer fees of pre-loading. The trade-off: you need funds in the right supported token, on a supported network, when you go to pay. Right now those tokens are mUSD, wETH, EURe, GBPe, USDC and USDT, across Linea, Base, Solana and Monad. If your money is parked in something else, or on a chain the card does not read, that balance will not spend.
The cashback you can actually get today
Ignore the marketing for the metal card for a moment, because you cannot order one right now. Today MetaMask ships the free virtual card, and it pays a flat 1% back in mUSD, MetaMask's own stablecoin. That is the number to plan around. A 3% metal tier is announced, with zero FX fees and free ATM withdrawals, but it is not available to order yet, so treat it as a maybe rather than a reason to choose this card now.
At 1%, the card earns you $10 back for every $1,000 you run through it. That is fair for a free card, though it trails the headline rates on staking-gated cards like Crypto.com. The real draw here is not the cashback rate. It is keeping custody of your own funds while you spend, which no cashback number captures.
Plan around the virtual card, not the metal one
Most write-ups sell the MetaMask Card on the metal tier's 3% cashback and zero FX fees. You cannot get that card at the moment. Judge it on what ships today: a free virtual card, 1% back, and self-custody. If the metal tier lands later, revisit it then.
The Money Account and its 4% APY
MetaMask pairs the card with an integrated Money Account that earns a variable 4% APY. Variable is the key word: that rate can move, so treat it as a current figure, not a promise. Still, holding your spending buffer somewhere that pays 4% while it waits is a real perk, and it keeps that money inside the same MetaMask flow rather than on a separate platform. You also get customizable daily, weekly and monthly spending limits, instant card freeze from the app, and perks such as hotel discounts.
What's good
- True non-custodial spending: your keys, your funds, right up to payment
- Free virtual card with 1% cashback and no annual cost
- Money Account pays a variable 4% APY on funds you leave sitting
- Drops into Apple Pay and Google Pay for tap-to-pay
What to watch
- US signups are paused, so Americans cannot join for now
- Only the free virtual card ships today; the 3% metal tier is announced but not yet orderable
- SMS confirmation codes for a transaction do not always arrive, a known bug that can leave a payment stuck at the till
- You must hold supported tokens on supported chains, or a payment can fail
The verdict
Get the MetaMask Card if you already live in MetaMask and want to keep custody of your own funds while you spend. The free virtual card is a no-risk way to start, with 1% back and a 4% Money Account behind it. Go in expecting the virtual card, not the metal one, which you cannot order yet. Skip it if you are in the US, since signups are paused, if you need a physical card today, or if the flaky SMS confirmation would leave you stranded at a checkout. A simpler custodial card may suit a light spender better. Compare it against the field on our best crypto cards page, or use the card finder to match one to how you actually spend.
