MetaMask Card vs Karma Card
Two crypto cards compared side by side on fees, limits, ID checks, phone wallets and ratings. MetaMask Card scores higher overall (8.7 vs 8.5), but the better pick depends on what you need.
MetaMask Card
by MetaMask
8.7editor score 6.3/10
Pick MetaMask if you want a card that
- ✓pays more cashback
- ✓also comes as a physical card
- ✓works with Apple Pay
- ✓works with Google Pay
- ✓supports more coins
Karma Card
by Karma Wallet
8.5editor score
Pick Karma if you want a card that
- ✓fits your country and coins
Side by side
| MetaMask | Karma | |
|---|---|---|
| Editor score | 8.7/10Better | 8.5/10 |
| User rating | 6.3/10 | Not rated |
| ID check | ID verification | ID verification |
| Card fee | Free | Free |
| Monthly fee | Free | Free |
| Top-up fee | Not listed | Not listed |
| FX fee | Free | Not listed |
| Daily limit | No stated limit | No stated limit |
| Cashback | 3%Better | None |
| Card type | Virtual and physicalBetter | Virtual |
| Network | Mastercard | Visa |
| Apple Pay | YesBetter | No |
| Google Pay | YesBetter | No |
| Coins | 3Better | 2 |
MetaMask: pros and cons
- +Real self-custody, spending directly from the MetaMask wallet
- +Smart contract verification in under 5 seconds
- +Up to 3% cashback on Metal Card purchases
- +Works across Linea, Base and Solana
- −Metal Card costs $199 per year
- −Pilot phase with limited regions
- −Cashback paid in mUSD rather than USDC
- −Fewer supported tokens than rivals
Karma: pros and cons
- +Self-custody with real IBANs and routing numbers
- +Fast Solana wallet with instant settlement
- +Real-time FX and no hidden fees
- +Euros and crypto managed in one place
- −Newer platform with little track record
- −Mostly Solana-focused, with limited multi-chain support
- −Focused on Europe and the SEPA region
- −Assumes some understanding of crypto banking
Questions
Is MetaMask Card or Karma Card better?
MetaMask Card has the higher editor score (8.7/10). MetaMask pays more cashback, also comes as a physical card and works with Apple Pay.
Which is cheaper, MetaMask or Karma?
MetaMask charges free to open and an unlisted fee per top-up. Karma charges free to open and an unlisted fee per top-up. The top-up fee matters most if you load larger amounts.
Do MetaMask and Karma require KYC?
MetaMask: yes, id verification. Karma: yes, id verification.
Do MetaMask and Karma work with Apple Pay?
MetaMask works with Apple Pay and Karma does not work with Apple Pay.