Everyday spending, fees first

Compare issuance, conversion and ongoing costs.

An editorial candidate list, not a ranking. Order is not based on headline rewards or commissions.

3card options found

MetaMask CardVirtual

Debit · Mastercard

Rewards & conditions: 1% mUSD on eligible purchases
Claim in the rewards page; gas may apply. Refunds and ineligible transactions are excluded.
Custody: Funds stay in your wallet until payment
Only approved assets can be spent; you control spending permissions.
Foreign currency: 1% cross-border merchant fee
Conversion and gas are extra: eligible stablecoins 0–0.5%; other crypto 0.875%.

Applications open； Listed in the current signup regions; identity and card approval required.

Credit · Visa

Rewards & conditions: Up to 3% · paid in ETHFI
First $2,000/month standard spend or $800 USD-equivalent EUR spend, then lower tiers; 7-day lock and $5 minimum claim.
Ongoing fees: No monthly / annual fee
Direct Pay has no borrowing interest; collateral-backed Borrow Mode accrues variable interest.
Foreign currency: No USD / EUR FX markup
EUR exemption is in beta; other currencies about 1% + 0–0.5%, with merchant DCC separate.

Applications open； Officially supported Cash jurisdiction; citizenship, identity and compliance conditions still apply.

Partner link · we may earn a commission if you apply

Prepaid · Visa

Rewards & conditions: 4% at qualifying M-Score tier
Base tier requires score 350, capped at 100 USDT/month; 6%/10% require higher actual tiers.
Foreign currency: Regular 1% fee · no extra FX markup
Campaign waivers are separate; Visa rates and small/failed-transaction charges apply.
Issuance: Currently $0 · normally $20
Limited waiver with no published fixed end date.

Applications open； Only actual M-Score 600+ or approved partner-channel applicants qualify; Advanced KYC, address and issuer checks still apply.

Partner link · we may earn a commission if you apply