MetaMask

MetaMask Card pays rewards in mUSD on eligible card transactions. The free Virtual card earns 1%, while existing Metal cardholders earn 3% on the first $10,000 spent each year and 1% thereafter.

Rewards can be claimed through a linked MetaMask Money Account or the card’s web dashboard. We needed an approved funding source before redeeming rewards to a connected wallet.

MetaMask separates its card fees into token-conversion, cross-border, ATM, and network charges. Stablecoins denominated in the cardholder’s local currency or the merchant’s local currency carry no token fee. A 0.5% fee applies when the stablecoin is denominated in neither currency, with a separate exception for USD-denominated cards in Argentina.

DeFi tokens and tokenised yield assets can be spent without a conversion fee on up to $1,200 per month, after which a 0.5% fee applies. Other cryptocurrencies, including wETH, carry a 0.875% conversion fee.

ATM operators may impose their own additional charges.

Paymentscan Testing

We paid 4.99 PLN using the free Virtual card and were charged $1.353. Based on the reference rate at the time of 1 USD to 3.765 PLN, this represented an effective cost of approximately 1.7%.

This was a small transaction, so currency rounding could materially affect the percentage.

MetaMask Card does not require a conventional card top-up. Cardholders approve a spending limit for a supported token, and the assets remain in the selected MetaMask account until they are spent.

A MetaMask Money Account can also be linked as the primary funding source. The available Money Account balance then becomes the card’s spending limit without requiring a network fee for the initial approval.

Cardholders can approve multiple tokens and arrange them in spending priority order. If the first asset cannot cover a transaction, the card moves to the next approved asset.

MetaMask Card Travel

MetaMask Card Travel is operated in partnership with Entravel. It provides discounted hotel rates and 4% mUSD back at checkout.

The card reward is added on top of this travel benefit. Virtual cardholders can therefore receive a total of 5% mUSD back, while existing Metal cardholders can receive 7%.

Blackbird Dining Rewards

MetaMask Cardholders earn 5X Blackbird $FLY per dollar when paying through the Blackbird app at participating US restaurants. New Blackbird users also receive a 2,000 $FLY welcome bonus.

Existing Metal cardholders earn 7X $FLY and can activate a 90-day trial of Blackbird Club Regular status. Spending $1,000 during the trial retains that status through 31 December 2027.

The Virtual card is available to users in eligible countries. New US sign-ups are temporarily paused, and MetaMask requires proof of residency during onboarding. Metal card orders are also temporarily unavailable to new users.

Our onboarding took approximately 10 minutes. We provided our legal name, date of birth, residential address, government-issued identification, and facial video verification.

We tested the process on an iPhone. Adding the card to Apple Pay required us to enter the details manually and select the alternative issuer option when the expected bank name did not appear. MetaMask also supports manual addition to Google Wallet.

MetaMask Card is strongest for people who already use MetaMask and want to spend supported assets without moving them into a separate custodial card account. The free Virtual card combines 1% mUSD back with multi-network funding and relatively high daily spending limits.

Existing Metal cardholders receive meaningfully better rewards, limits, and travel benefits. However, new users cannot currently order the physical Metal card.

Our sign-up process was as follows:

1. We opened MetaMask Mobile and selected Money, followed by Card.
2. We created a card account using an email address and password.
3. We confirmed our phone number.
4. We completed identity verification with our personal details, government-issued identification, and facial video.
5. We selected a supported network and approved one or more tokens for card spending.
6. We set a spending limit and arranged the funding priority where multiple assets were enabled.
7. We activated the Virtual card and manually added it to Apple Pay.