MetaMask, one of the world's most popular cryptocurrency wallets, is evolving with its new MetaMask Card. This card allows users to spend cryptocurrencies anywhere Mastercard is accepted, seamlessly integrating decentralized finance (DeFi) with real-world transactions. But how does it work? Is it secure? Is it worth it? This article answers all your questions.
What Is the MetaMask Card?
The MetaMask Card is a debit card that enables users to spend cryptocurrencies like traditional money. It works anywhere Mastercard is accepted and integrates directly with the MetaMask wallet. Currently, it's in pilot phase and available only in select countries.
Key Features of the MetaMask Card
✅ Global Spending: Use it at any physical or online store that accepts Mastercard.
✅ Token Support: Pay with USDC, USDT, and wETH (USDC only in the U.S.).
✅ Rewards: Earn 1% cashback in USDC on all purchases.
✅ Digital Wallet Integration: Compatible with Apple Pay and Google Pay for contactless payments.
✅ Self-Custody: Retain full control over your funds.
✅ Linea Network: Built on Linea (a Layer 2 network), ensuring fast transactions and low fees.
How to Get the MetaMask Card
The card is currently available in the UK, EEA, Brazil, Mexico, Colombia, and the U.S. (excluding New York and Vermont). To apply:
1️⃣ Go to MetaMask Portfolio and select the Card tab.
2️⃣ Register with the provider Crypto Life.
3️⃣ Complete KYC verification.
4️⃣ Fund your Linea network wallet.
5️⃣ Set a spending limit.
6️⃣ Link the card to Apple Pay or Google Pay.
Fees and Charges
💳 Transaction Fees:
- USDC/USDT: Linea gas fee (≈$0.02 per transaction).
- wETH: Gas fee + 0.875% conversion fee.
💰 Balance Withdrawal: Withdraw USDC to your MetaMask wallet at no extra cost.
🔄 Auto-Conversion: Tokens are automatically converted to fiat during purchases.
Pros of the MetaMask Card
🌍 Global Accessibility: Spend crypto effortlessly worldwide.
🔐 Security & Self-Custody: No reliance on banks—you control your funds.
⚡ Low Fees: Fast, affordable transactions via Linea.
💰 Rewards: Earn cashback on every purchase.
📱 Convenience: Works with Apple/Google Pay.
Cons:
❌ Limited Availability: Not yet globally accessible.
❌ KYC Required: Identity verification is mandatory.
❌ Limited Token Support: Only USDC, USDT, and wETH.
MetaMask Card vs. Competitors
| Feature | MetaMask Card | Crypto.com Card | Binance Card |
|------------------|---------------|-----------------|--------------|
| Rewards | 1% USDC | Up to 5% CRO | Up to 8% BNB |
| Self-Custody | Yes | No | No |
| Fees | Low | Variable | Variable |
| Token Support| USDC, USDT, wETH | Multiple | Multiple |
| KYC | Yes | Yes | Yes |
The MetaMask Card excels in self-custody and low fees but offers fewer tokens and rewards than competitors.
Is the MetaMask Card Worth It?
If you prioritize self-custody and want a simple way to spend crypto, the MetaMask Card is ideal. Its Apple/Google Pay integration, USDC cashback, and low fees make it attractive.
However, if you seek maximum rewards or broader token support, alternatives may suit you better.
👉 Discover how MetaMask Card compares to top crypto cards
The Future of the MetaMask Card
MetaMask has announced upcoming upgrades:
🚀 More Supported Tokens
🔄 Gas Fee Reductions (pay gas with any token).
💎 MetaMask Metal Card: A premium version with exclusive perks.
The MetaMask Card could become a cornerstone of DeFi adoption, bridging crypto and traditional finance.
FAQs
1. Can I use the MetaMask Card without KYC?
No—KYC verification is mandatory for compliance.
2. Which cryptocurrencies can I spend with the card?
Currently: USDC, USDT, and wETH (expanding soon).
3. How do I earn cashback?
1% is automatically credited in USDC after each purchase.
4. Is there an annual fee?
No, but standard transaction fees apply.
5. When will the card launch globally?
MetaMask has not announced a timeline but is expanding gradually.
6. Can I withdraw cash at ATMs?
Not yet—this feature may be added later.
The MetaMask Card marks a major leap toward everyday crypto usability, reducing barriers between decentralized and traditional finance.
👉 Learn more about MetaMask's latest innovations
Remember: Think BIG, think CRYPTO. The future is in your hands!