Nº 4 Simplest wallet card

MetaMask Card review

The card for the wallet you already have. Funds stay in your MetaMask until the moment you pay — the lowest-friction entry into self-custodial spending.

MetaMask's Mastercard connects directly to your own wallet: assets remain under your keys until authorization. The standard card is free and pays 1% back in mUSD — a stablecoin, so your reward doesn't evaporate with the market. The Metal tier lifts that to 3% on your first $10,000 of annual spend, then 1% after.

Availability: you can sign up across the EEA, in Switzerland, the United Kingdom and Latin America. New sign-ups are paused only in the United States, where existing cardholders keep using their cards. Orders for the Metal card have been paused everywhere since June 2, 2026, so new users get the free virtual card.

The fee that matters is the 1% cross-border charge on the free tier: MetaMask adds it whenever the merchant sits outside your country, which for a Dutch user means a German web shop as much as a holiday in Turkey. That wipes out the 1% cashback on every such purchase. Metal waives it, but Metal is paused. There is also a 0.5% charge when the stablecoin you spend from is in a currency that is neither yours nor the merchant's. That one matters outside the euro area: a Romanian paying a Romanian shop in lei is not charged the 1% cross-border fee, because the merchant is domestic, but there is no lei stablecoin, so the 0.5% applies. In Romania, Hungary, Poland, Norway, Switzerland or the UK the free card therefore keeps about half its 1% on local spending.

A worked example

At €1,500 a month the free card earns €180 a year. In a euro country, spending euros from a euro stablecoin is free, and the 1% cross-border fee on the 10% you spend with foreign merchants costs about €18: €162 a year. In Romania, where most spending is in lei at local shops, the 0.5% fee costs about €77: €103 a year. Bleap, which charges nothing in any currency, keeps €180 in both.

Unspent balances can sit in yield-earning positions through MetaMask's DeFi integrations, which narrows the gap to ether.fi's "your money keeps working" pitch — with a far simpler mental model.

Licensing: MetaMask holds no licence of its own for the card. Its help centre says Baanx provides the card, Monavate issues it and Mastercard runs the network, with those partners holding the regulatory authorisations in each country where the card is offered. Monavate is UAB Monavate, an e-money institution authorised by the Bank of Lithuania. The wallet side is self-custodial software and unregulated.

Who it's for: existing MetaMask users in the euro area who spend mostly at home and want stablecoin rewards and self-custody without learning a new wallet, vault or chain. For travel or non-euro countries, Bleap is the better self-custody pick.