MetaMask Card vs Payy 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
- ✓rated higher by users
- ✓pays more cashback
- ✓supports more coins
Payy Card
by Payy
8.5editor score 5.8/10
Pick Payy if you want a card that
- ✓fits your country and coins
Side by side
| MetaMask | Payy | |
|---|---|---|
| Editor score | 8.7/10Better | 8.5/10 |
| User rating | 6.3/10Better | 5.8/10 |
| ID check | ID verification | ID verification |
| Card fee | Free | Free |
| Monthly fee | Free | Free |
| Top-up fee | Not listed | Free |
| FX fee | Free | Free |
| Daily limit | No stated limit | No stated limit |
| Cashback | 3%Better | None |
| Card type | Virtual and physical | Virtual and physical |
| Network | Mastercard | Visa |
| Apple Pay | Yes | Yes |
| Google Pay | Yes | Yes |
| Coins | 3Better | 1 |
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
Payy: pros and cons
- +Zero-knowledge proofs keep wallet activity separate from card spending
- +Self-custodial, so funds cannot be frozen or suspended
- +No monthly, transaction or top-up fees
- +Works with OpenAI, Netflix and Spotify, which many cards do not
- −1% foreign exchange fee on international purchases
- −Physical card is contactless only, with no chip or swipe
- −No cashback or rewards program
- −USDC only
Questions
Is MetaMask Card or Payy Card better?
MetaMask Card has the higher editor score (8.7/10). MetaMask rated higher by users, pays more cashback and supports more coins.
Which is cheaper, MetaMask or Payy?
MetaMask charges free to open and an unlisted fee per top-up. Payy charges free to open and free per top-up. The top-up fee matters most if you load larger amounts.
Do MetaMask and Payy require KYC?
MetaMask: yes, id verification. Payy: yes, id verification.
Do MetaMask and Payy work with Apple Pay?
MetaMask works with Apple Pay and Payy works with Apple Pay.