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MetaMask Card Review: Spend Crypto Anywhere in the World
July 1, 2025
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If you've ever wished you could spend your crypto as easily as swiping a debit card, MetaMask Card is built for exactly that. It's a crypto debit card that connects directly to your MetaMask wallet and lets you pay anywhere Mastercard is accepted — at over 150 million merchants worldwide — without ever giving up control of your funds until the moment you pay.
Here's everything you need to know about how MetaMask Card works, what it costs, and whether it's the right crypto card for you.
What Is MetaMask Card?
MetaMask Card is a self-custodial crypto debit card powered by Mastercard and issued in partnership with Baanx. It links directly to your MetaMask wallet via Linea, Base, and Solana, converting your crypto to local fiat currency at the point of sale — no pre-loading, no centralized exchanges, no third-party platforms required.
The key difference between MetaMask Card and traditional crypto cards: you maintain custody of your tokens right up until the second you pay. A smart contract verifies and authorizes each transaction on-chain in under five seconds, so your assets are never sitting in a custodial account waiting to be spent.
It comes in two tiers: a free Virtual Card and a premium Metal Card.
MetaMask Card Tiers: Virtual vs. Metal
*3% cashback applies to the first $10,000 spent annually, then drops to 1%**Up to $1,200/month
All cashback is automatically deposited as mUSD (MetaMask USD, MetaMask's stablecoin) directly to your wallet.
Supported Tokens
MetaMask Card currently supports nine tokens for spending:
mUSD, amUSD, wETH, EURe, GBPe, USDC, aUSDC, aBasUSDC, and USDT.
Supported Networks
MetaMask Card operates across three blockchain networks:
- Linea — MetaMask's native Layer 2, secured by Ethereum
- Base
- Solana
Regional note: Solana is not currently supported in the US. Base is not currently supported in New York or Texas.
Where Can You Use MetaMask Card?
Globally — anywhere Mastercard is accepted, which spans over 150 million merchants worldwide. That includes in-store tap-to-pay, online checkout, Apple Pay, Google Pay, and recurring subscriptions (Netflix, Amazon Prime, Spotify, and more).
Supported countries include: US (except Vermont), UK, EU/EEA countries, Canada, Switzerland, and select Latin American countries including Argentina, Brazil, Chile, Colombia, Mexico, and more.
If you're outside a currently supported region, you can sign up for the Virtual Card now and be notified when the Metal Card becomes available in your area.
How MetaMask Card Works
Getting started is straightforward:
- Download the MetaMask app and set up or connect your wallet
- Go to the Card tab, fill in your details, and complete KYC verification
- Select your funding wallet and token (e.g., mUSD on Linea)
- Activate your Virtual Card instantly — it's ready to use right away
- Preorder the Metal Card from within the app after Virtual Card approval; it ships to your verified address and activates in one tap
Your card automatically links to your MetaMask wallet on supported chains — no manual setup needed. You can switch funding sources or adjust permissions anytime in your MetaMask Card Settings.
Cashback & Rewards
Every MetaMask Card purchase earns cashback paid in mUSD, deposited directly to your wallet:
- Virtual Card: 1% cashback on all eligible transactions
- Metal Card: 3% cashback on the first $10,000 spent annually, then 1%
Rewards accrue automatically and can be claimed in the app under Card → Rewards → Claim (a small gas fee applies). mUSD can also be used for card payments, yield opportunities, or transferred within the MetaMask ecosystem.
Security Features
Because MetaMask Card is non-custodial by design, your security posture is fundamentally different from traditional prepaid or custodial crypto cards:
- Your wallet's private keys are never shared or stored by a third party
- You can instantly freeze or replace your card at any time in the app
- Transaction alerts keep you informed of every purchase in real time
- Spending limits (daily, weekly, or monthly) can be set and adjusted anytime under Card → Manage Limits
- If your card is lost or stolen, your funds remain secure in your wallet and your Virtual card stays active for subscriptions while you reorder
Fees
MetaMask Card converts your tokens to local fiat at the moment of each transaction at Mastercard's network rates. MetaMask charges no additional FX fee on conversions, though a minimal per-transaction fee applies. Network costs are minimized through the use of Layer 2 infrastructure.
For a full breakdown of fees, see the MetaMask Card fees table at metamask.io/card.
Tax note: Spending crypto with MetaMask Card may be a taxable event in your jurisdiction, as each transaction involves a crypto-to-fiat conversion. MetaMask's Tax Hub has resources by region, and your full transaction history is exportable directly from the app.
Frequently Asked Questions
What is MetaMask Card and how does it work?
MetaMask Card is a crypto debit card that lets you spend crypto anywhere Mastercard is accepted. It connects directly to your MetaMask wallet via Linea, Base, and Solana. Your crypto is converted to local currency at checkout, eliminating the need for centralized exchanges or third-party platforms. You control your funds until the moment of payment.
Which tokens does MetaMask Card support?
MetaMask Card currently supports nine tokens: mUSD, amUSD, wETH, EURe, GBPe, USDC, aUSDC, aBasUSDC, and USDT.
Which networks does MetaMask Card support?
MetaMask Card supports Linea, Base, and Solana. Note: Solana is not currently supported in the US, and Base is not currently supported in New York or Texas.
How do I get a MetaMask Card?
Go to the Card tab in the MetaMask app, fill in your details, and select your funding wallet. Your Virtual Card can be activated instantly. After Virtual Card approval, you can preorder the Metal Card from within the app — it ships securely to your verified address and activates in one tap. MetaMask Metal Card is now available in the US.
Where can I use my MetaMask Card?
Anywhere Mastercard is accepted — at over 150 million merchants worldwide. Transactions draw directly from your MetaMask wallet, and you maintain self-custody of your funds until the moment you pay.
Can I use MetaMask Card internationally?
Yes. MetaMask Card works globally wherever Mastercard is accepted. Your crypto is converted to the local currency at Mastercard's rates with no additional MetaMask FX fees and minimized network costs.
How do I link MetaMask Card to my wallet?
MetaMask Card automatically links to your MetaMask wallet on supported chains. Simply choose your funding account and token during onboarding, and switch sources or permissions anytime in your Card Settings.
What happens if my MetaMask Card is lost or stolen?
Freeze or deactivate your card instantly in the MetaMask app. Your funds remain secure in your wallet, and your Virtual card stays active for subscriptions. You can reorder at any time, and MetaMask Card Support is available 24/7 for assisted replacement.
Will I have to pay taxes when spending crypto with MetaMask Card?
This depends on your jurisdiction. Each transaction involves a crypto-to-fiat conversion, which may be a taxable event. Visit MetaMask's Tax Hub for region-specific guidance, or consult a tax professional. Your full transaction history is downloadable from your MetaMask Card account at any time.
What fees will I pay when using MetaMask Card?
MetaMask Card converts tokens to local currency at the time of each transaction. A minimal conversion fee applies per transaction. See the full MetaMask Card fees table at metamask.io/card for a complete breakdown.
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