MetaMask Card
Issued by MetaMask on the Mastercard network
- KYC required
- 3% cashback
- Self-custodial
- Virtual
- Physical
A self-custodial Mastercard built into the MetaMask wallet, spending directly from your own wallet on Linea. Metal-tier cashback is capped at $10,000/month spend before dropping to 1%.
Verdict
A self-custodial Mastercard built directly into the MetaMask wallet, spending straight from your own wallet on Linea rather than a custodial balance. The free virtual card pays a flat 1% back in mUSD; the $199/year metal card pays 3% on your first $10,000 of monthly spend, then drops to 1% beyond that — so the metal card's real edge is capped, not unlimited. Availability is EU/EEA-heavy plus a handful of Latin American countries and Canada; the metal card recently added the US, but virtual-card signups in the US and UK are temporarily closed, which rules this out for a lot of readers outright.
- Best for: Existing MetaMask users who want to spend straight from their wallet without moving funds to a custodial exchange first, and who live somewhere the card is actually available
- Less suited to: Anyone in the US or UK trying to sign up for the free virtual card right now — both are temporarily closed; check MetaMask's own card page before assuming you're eligible
At a glance
- Self-custodial — spends directly from your MetaMask wallet on Linea, funds never leave your control until the moment of purchase
- Free virtual card: 1% back in mUSD on every purchase
- $199/year metal card: 3% back on the first $10,000 spent per month, then 1% after that
- No MetaMask fee on international currency conversion beyond minimal network gas costs
- Supports mUSD, wETH, EURe, GBPe, USDC and USDT across Linea, Base, Monad and Solana
Who can get it
MetaMask states the card is currently available in a specific list of EU/EEA countries plus Andorra, Argentina, Brazil, Canada, Chile, Colombia, Costa Rica, the Dominican Republic, El Salvador, Guatemala, Mexico, Panama, Switzerland and Uruguay. The metal card has separately become available in the US, but virtual-card signups in the US and UK are described on MetaMask's own page as "temporarily closed." Full identity verification is required regardless of card type. Confirm current availability directly on metamask.io/card before applying — this list changes.
How it works
- Open the MetaMask app and apply for a virtual card (instant) or a $199/year metal card.
- Complete identity verification — required for both card types.
- Spend directly from your MetaMask wallet on Linea; the card converts crypto to fiat at the point of sale, so there's no separate funding step.
Strengths and trade-offs
Strengths
- Genuinely self-custodial — no separate custodial balance to fund or trust
- No stated MetaMask fee on international conversion
- Works for anyone already living in the MetaMask ecosystem, no new app to trust
- Metal card's 3% rate is competitive with custodial cards, up to its $10,000/month cap
- Wide asset support across four chains (Linea, Base, Monad, Solana)
Trade-offs
- Free virtual card pays a flat 1% — modest next to top custodial cards
- Metal card's 3% rate is capped at $10,000/month spend, then falls to 1%
- $199/year is a real cost most competing self-custodial cards don't charge
- US and UK virtual-card signups are currently closed — a hard blocker for many readers
- Availability list is narrower than the large custodial exchange cards
| Issuer | MetaMask |
|---|---|
| Card network | Mastercard |
| Card type | Virtual, Physical |
| KYC requirement | Full identity verification required |
| Cashback | 1% back in mUSD (free virtual card); 3% on the first $10,000/month spent, then 1% after (metal card, $199/yr) |
| Annual fee | Free (virtual) / $199/yr (metal) |
| Custody model | Self-custodial |
| Supported assets | mUSD, wETH, EURe, GBPe, USDC, USDT |
Every figure above was checked against MetaMask's own card page on 2026-09-15. Terms, fees and rewards change frequently — confirm current details directly with the issuer before applying. We publish no star ratings of our own and take no payment for placement. This is not financial advice.
Common questions about the MetaMask Card
Is the MetaMask Card actually self-custodial?
Yes — MetaMask's own card page describes "non-custodial security" where you retain self-custody of your tokens until the moment of payment, spending directly from your wallet on the Linea network rather than a balance MetaMask holds for you.
What's the real cashback rate?
1% back in mUSD on the free virtual card. The $199/year metal card pays 3% on your first $10,000 of monthly spend, then 1% on anything beyond that — so the 3% is a capped rate, not a flat one.
Can I get this card in the US?
The metal card has become available in the US, but as of this review MetaMask's own page states virtual-card signups in the US (and UK) are "temporarily closed." Check metamask.io/card directly for the current status.
What crypto can I use?
MetaMask's card page lists mUSD, wETH, EURe, GBPe, USDC and USDT, spendable across the Linea, Base, Monad and Solana networks.
Is there a fee to convert currency abroad?
MetaMask states there are "no additional MetaMask fees" for international conversion, beyond the minimal network cost of the underlying transaction.
New to crypto cards? Read what is a crypto card? for how self-custodial cards like this one actually work.