CoinsOnCards

    Issued by Monavate Ltd. — UK-based FCA-authorized electronic money institution, FRN 901097

    Metamask CardReview

    Self-custodial Mastercard debit card spending crypto directly from a MetaMask wallet on Linea/Solana/Base.

    3.5· Updated: Multi-network support (Linea, Solana, Base)
    Visit issuer
    Cashback
    Up to 300.0%
    Custody
    self_custodial
    KYC
    full
    Networks
    —
    Monthly fee
    Free
    Available in
    —

    The verdict

    Best for: Existing MetaMask users with assets on Linea, Solana, or Base valuing self-custody.

    Skip if: You need a card in the US (waitlist only) or want no-fee cross-border spending.

    • True self-custody, but requires assets on Linea, Solana, or Base networks.
    • Metal tier offers 3% cashback and no FX fees, but costs $199 annually.
    • Supports Apple Pay and Google Pay, but has a 1% cross-border fee on free tier.
    Get the Metamask Card

    How it works

    • * **True Self-Custody:** Funds remain in the user's MetaMask wallet until the point of sale.
    • * **Multi-Network Support:** Spend assets directly from Linea, Solana, and Base networks.
    • * **Supported Assets:** mUSD, USDC, USDT, wETH, EURe, GBPe, and select interest-bearing tokens (aUSDC, amUSD, aBasUSDC).
    • * **Real-Time Conversion:** Crypto is converted to local fiat at the moment of purchase.
    • * **ATM Withdrawals:** Functionality to withdraw cash with tier-based limits and fees.
    • * **Mobile Wallet Integration:** Supports Apple Pay and Google Pay for contactless payments.
    • * **Card Management:** Freeze/unfreeze card, set spending limits, and track transactions within the MetaMask app.

    Funding: No pre-loading required - funds remain in MetaMask wallet until purchase

    Custody & risk

    • If the issuer disappears
      If the card provider (Monavate/Baanx) were to cease operations, users would retain full access to all crypto assets in their MetaMask wallet.
    • Counterparty risk
      Exodus announced acquisition of Baanx and Monavate's parent company in late 2025, which may influence future development direction

    Users retain full control of their private keys at all times. Funds remain in the user's personal MetaMask wallet until a transaction is initiated, at which point they are converted to fiat at the point of sale.

    Protections

    • True self-custody model with funds remaining in user's wallet until transaction
    • MetaMask wallet security protections
    • Instant card freeze/unfreeze via app
    • Multi-network blockchain security (Linea/Ethereum, Solana, Base)
    • PCI-DSS-Level-1 stack operated by Mastercard/Baanx

    Limits

    notes
    ATM per transaction limit: $1,000 for both tiers. Users can set their own lower spending limits through the app for additional control. One card limit per user.
    atm daily
    $1,000 (Free) / $5,000 (Metal)
    daily spending
    $15,000 (Free) / $30,000 (Metal)
    per transaction
    $10,000 (Free) / $20,000 (Metal)

    The good

    • Multi-network support for Linea, Solana, and Base.
    • ATM withdrawals up to $5,000 daily (Metal).
    • Zero foreign transaction fees on $199 Metal tier.

    The catches

    • Metal tier requires a $199 annual fee.
    • Free tier has a 1% cross-border fee.
    • 0.5% fee for stablecoin currency mismatch.

    Limitations

    • majorLimited availability (EU/EEA, UK, Switzerland, Canada, select Latin America)
    • majorUS early access pilot closed - upcoming summer launch
    • moderateMetal tier has $199 annual subscription fee
    • moderateCross-border fees on Free tier (1%)
    • moderateLimited token support
    • moderateRequires assets to be on supported networks - users must bridge assets from other networks
    • minorOne card limit per user
    • minorStablecoin currency mismatch fees (0.5%)
    • minorClaiming rewards requires paying gas

    Recent activity

    • November 24, 2025
      Solana, Base, Linea funding support
      You can now fund your Metamask card with $USDC or $USDT on Solana, Base, Linea.
    • September 23, 2025
      Cashback rewards switch to mUSD
      Starting October 7, all new cashback rewards will be issued in mUSD instead of USDC.
    • May 7, 2025
      EURe and GBPe support added
      You can now spend EURe and GBPe with MetaMask Card.

    What users say

    App Store
    4.7/5.0 (69,503 ratings)
    Google Play
    4.5/5.0 (442,203 ratings)
    Trustpilot
    1.5/5.0 (631 ratings)

    Mixed - positive feedback on easy setup, quick KYC, and Apple/Google Pay integration; negative feedback on geographic restrictions and fees

    Rating breakdown

    Net reward
    3.8
    Custody risk
    5.0
    Availability
    2.0
    User experience
    4.5
    Features & convenience
    3.0

    See our methodology for how we score each axis.