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Card	Issuance	Monthly / annual	Spending feesConversion + FX	RewardsRate / cap / eligibility	EligibilityResidence & identity	Apple Pay	Google Pay	ATM withdrawals	Funding fees	Card format	Payment assets	Spending / ATM limits	Who holds funds	Apply / activate	Refunds / repayment	Usage limits
MetaMask CardVirtual App application guide Card 1	Free virtual card MetaMask Card · Virtual Issuance Free virtual issuance	No annual fee MetaMask Card · Virtual Monthly / annual No annual fee	1% cross-border fee Eligible stablecoin conversion 0–0.5% Other crypto 0.875%; gas extra MetaMask Card · Virtual Spending fees Foreign-merchant transactions 1%; asset conversion may add fees Non-US holders: local stablecoin conversion free; 0.5% when the stablecoin matches neither holder nor merchant currency (Argentina USD exception); other crypto such as wETH 0.875%. Mastercard exchange rates and gas also apply.	1% mUSD Eligible spend; claim; gas extra MetaMask Card · Virtual Rewards 1% mUSD on eligible purchases Claim in the Card rewards page; network gas may apply. Refunds and ineligible transactions do not earn rewards; Metal 3% terms do not apply.	Applications open · identity checks required Listed in the current signup regions; identity and card approval required. MetaMask Card · Virtual Eligibility Applications open · identity checks required Listed in the current signup regions; identity and card approval required.	Yes Supported MetaMask Card · Virtual Apple Pay Can be added to your mobile wallet Wallet region and device requirements apply	Yes Supported MetaMask Card · Virtual Google Pay Can be added to your mobile wallet Wallet region and device requirements apply	No Not supported Non-US virtual edition MetaMask Card · Virtual ATM withdrawals No ATM for non-US virtual cards US legacy virtual and Metal ATM terms do not apply to this variant	Free spending authorization On-chain gas applies; no minimum authorization amount MetaMask Card · Virtual Funding fees Free spending delegation; network gas applies No minimum delegation amount. Wallet funding, bridging and third-party purchases carry route-specific costs.	Virtual only; no plastic card shipped MetaMask Card · Virtual Card format Virtual only; no plastic card shipped	Linea / Base / Solana / Monad Specified assets per network; support is not interchangeable MetaMask Card · Virtual Payment assets Selected assets on Linea / Base / Solana / Monad Linea: mUSD, USDC, USDT, wETH, EURe, GBPe; Base/Solana: USDC, USDT; Monad: USDC. Select the funding wallet and asset; the same token name on another chain is not sufficient.	Up to $10,000/tx, $15,000/day Balance, authorization and risk limits apply; no ATM MetaMask Card · Virtual Spending / ATM limits Up to $10,000/transaction and $15,000/day Balance, delegation and risk controls also apply; non-US virtual cards have no ATM allowance	Funds stay in your wallet until payment Only approved assets can be spent; permissions adjustable MetaMask Card · Virtual Who holds funds Funds remain in your wallet until payment Only authorized assets can be spent; spending permissions can be adjusted. Keep your wallet and recovery credentials secure.	Apply in MetaMask Choose funding wallet and asset after approval MetaMask Card · Virtual Apply / activate MetaMask → Card → verification → funding wallet and asset After approval in a supported region, activate the virtual card and add it to a mobile wallet; no credit check	Refunds to card balance · withdrawable Merchant initiates; withdrawable in Card → Withdraw MetaMask Card · Virtual Refunds / repayment Request merchant refunds; disputes go to Crypto Life support Refund credits can be spent or withdrawn under Card → Withdraw. Freeze the card and review wallet permissions on suspicious activity.	Yield-bearing tokens have a separate conversion fee MetaMask Card · Virtual Usage limits Yield-bearing tokens have a separate conversion fee For assets such as aUSDC, the first $1,200/month converts free, then 0.5%; this does not waive all transaction charges
Bitpanda CardEuro-area physical card App application guide Card 2	First card + delivery free Lost card: €5.90 replacement Bitpanda Card · Euro-area physical card Issuance First card and initial delivery are free Lost/damaged replacements cost €5.90; expired cards are replaced free. Shipping must match the registered residential address.	No monthly fee Trading / conversion / ATM extra Bitpanda Card · Euro-area physical card Monthly / annual No monthly fee Trading, asset conversion and ATM fees are separate.	€0 extra FX fee Visa rate; crypto trading fee extra Bitpanda Card · Euro-area physical card Spending fees €0 additional non-EUR card transaction fee Network conversion still applies and crypto trading fees are separate; merchant/ATM dynamic currency conversion may impose its own costs.	1% on eligible crypto spend Paid in spent crypto; excludes stablecoins, EUR, metals, stocks Bitpanda Card · Euro-area physical card Rewards 1% on eligible crypto-funded purchases Rewards use the crypto spent. Stablecoins including USDC/USDT, EUR, metals and stocks are excluded, as are transfers, taxes, utilities and other excluded merchant categories. Allow up to 15 business days for crediting.	Applications open · identity checks required Eligible euro-area residents excluding Cyprus; Bankident verification is not accepted for ordering. Account and card approval required. Bitpanda Card · Euro-area physical card Eligibility Applications open · identity checks required Eligible euro-area residents excluding Cyprus; Bankident verification is not accepted for ordering. Account and card approval required.	Yes Supported Bitpanda Card · Euro-area physical card Apple Pay Apple Pay supported Wallet and device requirements apply.	Yes Supported Bitpanda Card · Euro-area physical card Google Pay Google Pay supported Requires a device compatible with Google Wallet.	Yes： ATM 2% (min €2) · daily €500 Operator fee extra; asset-to-EUR fee separate Bitpanda Card · Euro-area physical card ATM withdrawals 2%, minimum €2 ATM operators may add charges; asset-to-EUR trading fees are separate. Daily withdrawal limit: €500.	Spend balance; trading fee on asset sale EUR balance debited directly; funding costs depend on route Bitpanda Card · Euro-area physical card Funding fees Spend account assets; asset sales incur platform trading fees Asset-sale quotes include trading fees, shown under Trade summary → Trade Fee; EUR is debited directly. Deposit minimums and coin/network fees are in Payment Methods and Limits; regulatory account limits may be lower.	Physical Visa debit · mobile wallet Bitpanda Card · Euro-area physical card Card format Physical Visa debit card with mobile-wallet support This entry covers the physical card only, not the separate virtual-only product. Complete a chip-and-PIN transaction before contactless use.	Platform crypto, metals and EUR Set primary & backup asset; entire tx switches Bitpanda Card · Euro-area physical card Payment assets Choose a main and fallback payment asset Supported crypto, metals and EUR balances can fund payments; other fiat cannot be selected directly. If the main asset is insufficient, the whole payment uses the fallback; otherwise it is declined.	Spend €10k/day · ATM €500/day Monthly spend €280k; contactless limit ~€50 Bitpanda Card · Euro-area physical card Spending / ATM limits €10,000 daily spending; €500 daily ATM withdrawals Published spending caps: €70,000/week and €280,000/month; minimum payment €1. Contactless is typically €50, varying by country. Check effective account limits in Card settings → Limits and Fees.	Bitpanda platform custody Auto-sells crypto and settles via EUR e-money Bitpanda Card · Euro-area physical card Who holds funds Funds are held in the Bitpanda platform account The platform sells assets and settles from the EUR e-money wallet. Transact Payments Malta Limited issues the card; this is not direct spending from a personal onchain wallet.	Apply via App Profile → Card Delivery up to 20 workdays; activate with CVV Bitpanda Card · Euro-area physical card Apply / activate Apply under Profile → Card in the Bitpanda app Complete verification, check name and residential address, select payment assets and order. The help page allows up to about 20 business days for delivery; activate the physical card using its CVV.	Sells to EUR · refunds return EUR Refunds credited as EUR, not repurchased crypto Bitpanda Card · Euro-area physical card Refunds / repayment Assets sell to EUR; refunds return to the EUR wallet Preauthorisation sells assets and may hold EUR for up to 30 days. Refunds, less applicable fees, return as e-money rather than the original crypto quantity. Related rewards may be reversed; any negative balance must be covered promptly.	Rewards and trading costs are separate · Main payment asset must not consist exclusively or predominantly of e-money Bitpanda Card · Euro-area physical card Usage limits Rewards and trading costs are separate Stablecoin spending does not earn 1%. Price moves and asset sale costs affect the outcome; refunds do not restore the original crypto quantity. · Main payment asset must not consist exclusively or predominantly of e-money Product terms section 2.2 imposes this restriction; support for EUR payments does not make this an unrestricted fiat-only account.

Monthly spend · USD equivalent Merchant charge currency Estimate period

Issuance, ongoing and purchase fees only; rewards not deducted. Estimate scope

Issuance, ongoing and spending fees, and their subtotal for each card, in USD
Card	Three-fee subtotalUSD · First year	Spending / year	Ongoing / year	Issuance	Assumptions
MetaMask CardVirtual	—Spending rate not estimable	—	$0	$0	Full fee terms MetaMask Card · Virtual Spending fees depend on region, payment assets or transaction conditions; no single rate is used. Full fee terms →
Bitpanda CardEuro-area physical card	—Spending rate not estimable	—	—	—	Full fee terms Bitpanda Card · Euro-area physical card Spending fees depend on region, payment assets or transaction conditions; no single rate is used. Full fee terms →

Assumes a funded balance and current regular rates over 12 months. Excludes funding/network costs, ATM, exchange-rate differences, merchant surcharges and special-transaction fees. Temporary offers are not projected for a full year. “—” means unconfirmed or unsuitable for projection, not free. Ranges retain rate differences. No first-year subtotal where the regional issuance price is unclear. This is not a best-price ranking.