MetaMask Card vs XPlace 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 8.6), 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
- ✓supports more coins
XPlace Card
by XPlace
8.6editor score 6.7/10
Pick XPlace if you want a card that
- ✓rated higher by users
Side by side
| MetaMask | XPlace | |
|---|---|---|
| Editor score | 8.7/10Better | 8.6/10 |
| User rating | 6.3/10 | 6.7/10Better |
| ID check | ID verification | ID verification |
| Card fee | Free | Not listed |
| Monthly fee | Free | Free |
| Top-up fee | Not listed | 1% |
| FX fee | Free | Not listed |
| Daily limit | No stated limit | No stated limit |
| Cashback | 3%Better | None |
| Card type | Virtual and physical | Virtual and physical |
| Network | Mastercard | Mastercard |
| Apple Pay | Yes | Yes |
| Google Pay | Yes | Yes |
| 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
XPlace: pros and cons
- +Credit mode allows spending without selling crypto
- +Rewards paid in BONK, PYTH and JUP tokens
- +XP system linked to a Q4 2026 token airdrop
- +Fairly competitive 1% FX fee on international purchases
- −Smart contracts have not been publicly audited
- −Credit interest rates not published
- −Based in Dubai, UAE, which raises regulatory questions
- −Annual membership fees on premium tiers
Questions
Is MetaMask Card or XPlace Card better?
MetaMask Card has the higher editor score (8.7/10). MetaMask pays more cashback and supports more coins. XPlace rated higher by users.
Which is cheaper, MetaMask or XPlace?
MetaMask charges free to open and an unlisted fee per top-up. XPlace charges an unlisted fee to open and 1% per top-up. The top-up fee matters most if you load larger amounts.
Do MetaMask and XPlace require KYC?
MetaMask: yes, id verification. XPlace: yes, id verification.
Do MetaMask and XPlace work with Apple Pay?
MetaMask works with Apple Pay and XPlace works with Apple Pay.