BitPay Card vs MetaMask Card - HodlCue
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BitPay Card vs MetaMask Card

BitPay Card vs MetaMask Card: compare effective rewards, reward asset, fees, regulation, and custody in one head-to-head table.

BitPay Card

BitPay Card

The BitPay Card lets you spend supported cryptocurrencies at any merchant that accepts Visa, converting crypt…

VS
MetaMask Card

MetaMask Card

MetaMask Card is a non-custodial crypto debit card that lets you spend your crypto assets directly from your …

Head-to-head comparison

Effective rewards

BitPay Card

No base reward on everyday spend

MetaMask Card

1% cashback uncapped + MetaMask Rewards points (1 pt/$1)

Reward asset

BitPay Card

None (occasional promos)

MetaMask Card

Cashback token/points (MetaMask Rewards)

Custody

BitPay Card

Custodial

MetaMask Card

Non-custodial

Annual fee

BitPay Card

$0 stated

MetaMask Card

Free issuance (virtual)

FX fee

BitPay Card

~3% foreign transaction fee (poor for travel)

MetaMask Card

~1% cross-border fee

ATM fee

BitPay Card

Applies

MetaMask Card

Verify

Conversion spread

BitPay Card

BitPay conversion rate on load

MetaMask Card

Spend USDC/USDT/wETH direct; minimal conversion

Network

BitPay Card

Mastercard

MetaMask Card

Mastercard

Apple / Google Pay

BitPay Card

Yes

MetaMask Card

Yes

Region availability

BitPay Card

United States only; new applications paused (waitlist)

MetaMask Card

US and select markets (EEA expanding; verify UK)

Pros & cons

BitPay Card

BitPay Card

Pros

  • Spend crypto directly at millions of Visa merchants
  • Supports multiple cryptocurrencies and stablecoins
  • Easy integration with BitPay wallet
  • No need to manually sell crypto on an exchange

Cons

  • Custodial: BitPay holds the private keys
  • Fees can add up (issuance, monthly, reload, ATM)
  • Primarily available to U.S. residents only
MetaMask Card

MetaMask Card

Pros

  • Non-custodial: you keep control of your private keys
  • Direct spending from MetaMask wallet
  • Supports Ethereum and ERC-20 tokens
  • No need to deposit funds onto a third-party platform

Cons

  • Limited availability (not yet global)
  • Transaction fees and gas costs may apply
  • Requires comfort with self-custody security practices
BitPay Card

BitPay Card

The BitPay Card lets you spend supported cryptocurrencies at any merchant that accepts Visa, converting crypto to fiat at the point of sale. It is a custodial prepaid card issued by BitPay, designed for users who want to use their digital assets for everyday purchases.

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MetaMask Card

MetaMask Card

MetaMask Card is a non-custodial crypto debit card that lets you spend your crypto assets directly from your MetaMask wallet without moving funds to a third party. It combines the convenience of a traditional card with full self-custody of your digital assets.

Read review

Risk warning: Cryptocurrency is a volatile, high-risk asset class. Prices can fall as well as rise, and you could lose some or all of the money you put in. Custodial providers carry counterparty risk; self-custody puts key security entirely on you. This page is general information, not financial advice.

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