MetaMask Card Metal
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).
Metal
- Price
- Free
- Annual price
- €199
- Issuance fee
- Free
- FX markup
- 0%
- Cashback
- 3%
- Cashback currency
- mUSD
- Cashback cap
- €276
- Required staking
- Nessuno
- ATM fee
- 2%
- ATM limit
- $1.000/giorno
- Net annual cost
- €199
- Eligible spend cap/year
- $10K
What's included
- Physical metal card (stainless steel, 16 g, chrome finish)
- 3% mUSD cashback on the first $10,000 spent/year, then 1%
- 0% fees on foreign-currency transactions
- MetaMask Card Travel program: +3% mUSD on travel bookings (up to 7% total) and up to 60% off selected hotels via Entravel
- Dining rewards: 7X $FLY points at 1,000+ independent US restaurants
- Instant virtual card via Apple/Google Wallet
- Accepted at 150M+ Mastercard merchants worldwide
- Higher spending and ATM withdrawal limits than the free tier
- Access to premium events and exclusive perks
The clause
That 3% on the banner isn't what you pocket.
After FX markup, fees and withdrawals, on an average profile of €1,000/mo (20% abroad).
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 | €199/year |
| Free ATM limit | $1,000/day |
| ATM withdrawal | 2% |
| FX markup | 0% |
| Cashback | 3% in mUSD · 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 Linea, Base and Solana
- 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 ($10,000), then 1%
- Self-custody means full user responsibility for the keys
- Metal tier orders temporarily paused (since June 2026)
- 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.
Reputation
What happened to people who used MetaMask Card, and what users say. External signals: they do not feed the promp.it rating.
Incidents & regulatory actions
No known incidentSearch across public sources: no known hack, withdrawal freeze or regulatory action as of the verification date.
verified on
Public reviews
-
App Store ↗
4.7/5
~
76,000 reviews
The rating refers to the MetaMask wallet app on the US App Store, not to the card; count displayed rounded. Trustpilot and Google Play are not included: the pages block automated reading.
Weighted average across 1 public review platform (76,000 reviews in total), weighted by volume. This is not our rating: it is those platforms’ average.
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
- spendnode.io Tier.Virtual.cashback cap eur Data verified on Jul 10, 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
Show 7 more sources
- github.com Third-party audit Data verified on Jun 14, 2026
- pitchbook.com Founded · Investors 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