After analyzing the Bybit Card and Ether.fi Card, today I'd like to talk about the MetaMask Card.
The wallet is the most famous and perhaps the most used in the world and needs no introduction, while the card deserves a full article for what it offers.
It was born from the partnership between Consensys and the Mastercard circuit and stands out because it combines self-custody, immediate cashback, and passive returns on stablecoins held.
Unlike cards issued by CEXs, where you must first deposit funds into the platform, the MetaMask Card works directly on-chain.
When you tap your card at the POS to pay for your coffee, a small DeFi miracle happens behind the scenes in just a few milliseconds:
- The assets remain under the control of your private keys until the moment of purchase and are not hosted by any bank.
- The circuit draws from your mUSD balance or from traditional stablecoins like USDC/USDT and wrapped ETH (i.e., wETH) on fast, low-cost networks like Solana and others. Conversion to local currency (euros, dollars, pounds, etc.) occurs instantly at checkout.
MetaMask Money: The Heart of the Ecosystem
Instead of leaving stablecoins inactive in your wallet, you can convert them to mUSD with zero fees, automatically generating an APY of approximately 4% (variable).
Tiers, Costs, and Operating Limits
MetaMask offers two plans for different needs:
- Virtual Card (Free), which can be integrated with Apple Pay and Google Wallet. It has no activation fee, 1% mUSD cashback with no maximum spending limit, 1% FX exchange fees, limited ATM withdrawals (not available in some countries), and a daily spending limit of $15,000.
- Physical Metal Card, which can also be integrated with digital wallets, costs $199 per year, 3% cashback in mUSD up to $10,000 after 1%, 0% FX fees, free withdrawals up to $1,200 per month (then 2%), and a daily spending limit of $30,000.
Transparency on Fees and Benefits
Regarding Transaction Fees (Gas), when you spend crypto on Layer2 as Linea, the gas fee is around a few cents ($0.02), while if you spend wETH, the swap fee is approximately 0.875%.
As mentioned, in addition to receiving cashback in mUSD immediately present in your wallet, MetaMask offers some interesting benefits.
For example, by spending on the Linea network, you participate in periodic campaigns that distribute ecosystem tokens. Furthermore, using the card unlocks additional incentives, such as a 2.4% increased return on USDC lending through Aave and up to 7% cashback earned on hotel bookings through the partner portal Entravel.
Finally, you can withdraw funds via SEPA transfers, cards, and PayPal.
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