Metamask Card
The MetaMask Card is a Mastercard debit card that allows direct spending from your self-custodial MetaMask wallet without pre-funding or transferring assets to third parties. It maintains user control of funds until the moment of purchase, eliminating the typical multi-step process for spending cryptocurrency. The card integrates with the Linea network secured by Ethereum for transactions.
- Type: Mastercard debit card with virtual and physical (premium metal) options
- Key Feature: True self-custody - funds remain in your wallet until purchase
- Availability: UK, European Economic Area, select Latin American countries, Switzerland, and US (excluding NY/VT)
- Standout Benefit: 1% USDC cashback on purchases made with USDC
- Biggest Downside: Limited currency support (USDC, USDT, WETH on Linea) with US users restricted to USDC only
Card Tiers
Detailed Summary
MetaMask Mastercard Debit Card: Self-Custodial Crypto Payment Solution
Quick Summary
Key Features
- True debit card that spends directly from your self-custodial MetaMask wallet
- No bank account or pre-funding required - funds remain in your control until purchase
- Instantly available via Apple Pay/Google Pay after approval
- 1% USDC cashback on purchases made with USDC
- Supports multiple cryptocurrencies with customizable spending priority
Main Advantages
- Eliminates multi-step crypto-to-fiat conversion process
- Maintains self-custody principles until point of transaction
- Global Mastercard acceptance for everyday purchases
- No intermediary banks or exchanges required
- Seamless integration with existing MetaMask ecosystem
Notable Limitations
- Limited currency support (USDC, USDT, WETH on Linea)
- US users restricted to USDC only
- Not yet globally available (specific regions only)
- Requires KYC verification
- Limited track record as a new product in early access phase
Table of Contents
Basic Information
| Specification | Details |
|---|---|
| Card Name | MetaMask Card |
| Card Network | Mastercard |
| Card Type | Debit card |
| Card Issuer | Partnership between MetaMask, Mastercard, and Baanx (Crypto Life) |
| Launch Date | Pilot launched August 14, 2024; Early access program as of March 19, 2025 |
| Current Status | Early access phase in select regions |
Rewards and Benefits
Unique Features
- Self-Custodial Integration: Direct spending from your MetaMask wallet without transferring to a third party
- Asset Control: Maintains user control of assets until the exact moment of transaction
- USDC Cashback: 1% USDC cashback for purchases made with USDC
- Linea Integration: Uses Linea network secured by Ethereum for transactions
- Token Management: Ability to prioritize which cryptocurrencies are spent first when multiple are delegated
Fees and Limits
| Fee Type | Details |
|---|---|
| Standard Virtual Card Issuance | Not specified in available information |
| Premium Metal Card Issuance | "Introductory price" to cover manufacturing and fulfillment (specific amount not disclosed) |
| Transaction Fees | Not specified in available information |
| Foreign Exchange Fees | Not specified in available information |
| Monthly/Annual Fees | Not specified in available information |
| Limit Type | Details |
|---|---|
| Transaction Limits | Not specified in available information |
| Withdrawal Limits | Not specified in available information |
| Spending Limits | Not specified in available information |
Card Tiers and Options
Standard Virtual Card
| Feature | Details |
|---|---|
| Card Format | Virtual card; integrates with digital wallets |
| Issuance Fee | Not specified in available information |
| Cashback Rate | 1% USDC cashback on purchases made with USDC |
| Delivery Method | Instant digital delivery with Apple Pay/Google Pay integration |
| Special Features | Direct spending from self-custodial wallet No bank account required Full control of funds until moment of payment Customizable token spending priorities |
| Limits | Not specified in available information |
Premium Metal Card
| Feature | Details |
|---|---|
| Card Format | Physical metal card with "chromatic Fox design" |
| Issuance Fee | "Introductory price" to cover manufacturing and fulfillment (specific amount not disclosed) |
| Cashback Rate | "Premium rewards" (specific rates not detailed) |
| Delivery Method | Physical delivery (timeline not specified) |
| Special Features | VIP event access Surprise perks Exclusive premium benefits |
| Availability | Limited-release with waitlist for pre-sale |
Top-Up Methods
The MetaMask Mastercard Debit Card does not require traditional top-ups or pre-loading; instead, it spends directly from your self-custodial MetaMask wallet, allowing assets to remain under your control until each transaction is made. Supported spending assets are USDC (all regions), USDT and WETH (all regions except US), with US users limited to USDC. When you make a purchase, the exact amount needed is automatically deducted from your wallet in real time via the provider's app or integrated digital wallets (Apple Pay/Google Pay), with no need to transfer funds to the card provider in advance and no pre-loading minimums or custody transfer prior to spending. Any required currency conversions (for example, spending USDT or WETH) happen on demand at the moment of transaction, though specific fees and conversion rates are not disclosed in the available information. Be aware of limited currency support and regional availability, as well as a required KYC process before activation.
Self-Custody True Self-Custody
This card allows users to retain complete control of their crypto assets—along with their private keys—inside their own MetaMask wallet until the exact moment they make a purchase. There is no need to pre-fund the card or move assets to a third party; your funds only leave your wallet when you approve a transaction at checkout through your wallet app. If MetaMask or the card provider were to cease operations, you would still have direct access to your assets because they always remain in your self-custodial wallet, independent of the provider's systems. The model provides the security and sovereignty benefits of self-custody, but users must complete KYC and rely on the card's payment rails for spending. As with any self-custodial setup, you are responsible for safeguarding your wallet and private keys—if you lose access, recovery is not possible through the provider. This approach maximizes user control compared to custodial or hybrid options, but does require some trust in MetaMask’s wallet infrastructure and partnership integrations for transaction execution.
Supported Currencies and Conversion
Supported Cryptocurrencies
| Currency | Availability |
|---|---|
| USDC | All supported regions |
| USDT | All regions except US |
| WETH (on Linea) | All regions except US |
Note: US users are limited to USDC only
Geographic Availability
Supported Countries/Regions
- United Kingdom
- European Economic Area (EEA)
- Brazil
- Colombia
- Mexico
- Argentina
- Switzerland
- United States (excluding New York and Vermont)
Note: Further global expansion is planned
Compliance and Security
KYC Requirements
Complete Know Your Customer (KYC) verification is mandatory to qualify for the MetaMask Card.
Technical Details
Blockchain Integration
The MetaMask Card utilizes the Linea network, which is secured by the Ethereum blockchain, providing infrastructure for fast, cost-effective, and secure spending experiences.
User Experience
The MetaMask Card offers a streamlined user experience by eliminating the traditional multi-step process typically required for spending cryptocurrency. Users can directly spend from their self-custodial MetaMask wallet without pre-funding or transferring assets to a third party. The virtual card is immediately available through Apple Pay and Google Pay after approval, enabling instant use for everyday purchases.
Best Suited For
- Crypto Enthusiasts who want to integrate digital assets into everyday spending
- Self-Custody Advocates who prioritize maintaining control of their assets
- DeFi Users who are already engaged in the MetaMask ecosystem
- Crypto-First Spenders who are looking to reduce dependence on traditional banking
- Privacy-Conscious Consumers who prefer to minimize interactions with traditional financial systems
Pros and Cons
Pros
- True self-custody - maintains decentralization principles by keeping funds in your control until purchase
- Frictionless experience - eliminates the traditional multi-step process for spending crypto
- No pre-funding - no need to transfer funds to a card issuer in advance
- Instant availability - virtual card immediately usable through digital wallets
- Direct integration - seamlessly connected to the popular MetaMask wallet ecosystem
Cons
- Limited currency support - small selection of supported tokens, especially for US users
- Geographic restrictions - not yet available in many regions worldwide
- Early stage product - limited track record and user feedback available
- Unspecified fees - lack of detailed information about potential conversion fees or other charges
- KYC required - not suitable for users seeking complete anonymity
Conclusion
The MetaMask Card represents a significant step toward bridging cryptocurrency and everyday commerce by combining self-custody principles with payment convenience. By eliminating intermediary steps typically required for crypto spending while leveraging Mastercard's global acceptance, it addresses a key friction point in cryptocurrency adoption. The card's direct integration with MetaMask's self-custodial wallet creates a unique value proposition for users who want to maintain control of their assets until the moment of transaction.
However, potential users should be mindful of the current limitations in supported currencies and geographic availability as this product continues to develop beyond its early access phase. While the true self-custodial nature of the card aligns with crypto-native principles, the required KYC verification and partnership with traditional payment networks represent the practical compromises necessary for mainstream adoption.
For users already invested in the MetaMask ecosystem who prioritize asset control while seeking payment convenience, the MetaMask Card offers a compelling solution that minimizes many of the typical friction points associated with crypto spending.
Additional Information
Product Status
As of April 2025, the MetaMask Card is in early access phase, having launched its pilot in August 2024 followed by an early access program in March 2025. The card's features, supported regions, and fee structures may continue to evolve as the product moves toward full public release.
Last Updated
This information was last updated in April 2025 and may not reflect the most current product details. Interested users should consult the official MetaMask Card website for the latest information.
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