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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
Krak CardEEA physical App application guide Card 2	First plastic card free Replacement €4.99 Krak Card · EEA physical Issuance Initial plastic card issuance is free Replacement €4.99; excludes the separately qualified metal edition.	No annual / monthly fee Conversion spread / funding extra Krak Card · EEA physical Monthly / annual No annual or monthly fee Asset conversion, some funding routes and ATM-operator fees remain payable.	No extra FX fee; spread applies Variable cross-asset spread Krak Card · EEA physical Spending fees No added FX fee; Mastercard exchange rate applies Cross-asset spending includes a variable spread; settlement uses the card base currency, even when holding merchant currency.	0%–2% by asset tier 30-day avg. €200: 0.5% €50,000: 2%; fiat/BTC Krak Card · EEA physical Rewards 0%–2% by 30-day average assets; 2% requires €50,000 Combined Krak/Kraken/Kraken Pro assets: below €200 earns 0%; 200/1,000/10,000/50,000 unlock 0.5%/1%/1.5%/2%. Settlement-time tier applies, paid in EUR or BTC, currently uncapped monthly. ATM, refunds and purchases below €0.49 excluded. New-user 30-day 2% requires promotional eligibility.	Applications open · identity checks required Qualifying residents of this regional program, subject to account and card approval. Krak Card · EEA physical Eligibility Applications open · identity checks required Qualifying residents of this regional program, subject to account and card approval.	Yes Supported Krak Card · EEA physical Apple Pay Apple Pay supported Requires a supported device/wallet market and successful card enrollment.	Yes Supported Krak Card · EEA physical Google Pay Google Pay supported Requires a supported device/wallet market and successful card enrollment.	Yes： No Krak ATM fee Operator fees & conversion spread extra; monthly €4,800 Krak Card · EEA physical ATM withdrawals No Krak ATM withdrawal fee Operator charges and cross-asset spread may apply. Maximum €300/withdrawal, €900/day and €4,800/month, subject to available balance.	0 crypto deposit fee; local bank transfer free Gas extra; bank-card funding €0.25 + 3.75% Krak Card · EEA physical Funding fees No platform deposit fee for crypto or internal Krak/Kraken transfers Sender network fees remain. Debit-card or Apple/Google Pay funding costs €0.25 + 3.75%; local bank transfer is free, PayPal/SWIFT varies.	Mastercard debit + virtual card Krak Card · EEA physical Card format Plastic Mastercard debit card with a virtual companion No credit borrowing; activate the delivered physical card for in-person and ATM use.	Fund Everyday · choose spend coin Fiat and crypto split; verify network Krak Card · EEA physical Payment assets Fund Everyday first, then choose assets in Spend Order Transfer from Kraken or use Krak Add money. Supported fiat/crypto can fund a purchase together; assets marked Unavailable cannot be spent. Match token and network for on-chain funding.	Spend €12k/day · €12k/month Max €6k/tx; ATM €300/tx, €900/day Krak Card · EEA physical Spending / ATM limits Spend €6,000/purchase, €12,000/day, €12,000/month ATM €300/withdrawal, €900/day, €4,800/month. Card → Card Settings → Limits shows personal and remaining limits.	Spend Krak Everyday balance Platform-managed; not bank deposits, no deposit protection Krak Card · EEA physical Who holds funds Spends platform-held Krak Everyday balances Trading/staked assets must first be transferred in. E-money is not a bank deposit: no UK FSCS or EEA deposit-guarantee protection.	KYC → virtual card → order physical Unified login; activate physical in app Krak Card · EEA physical Apply / activate Verify identity → set up virtual card → order physical → shipping address → activate Krak/Kraken share login; manage cards in Krak Card. After initial setup select a physical card and confirm name/address. This is plastic, not the separately qualified metal edition.	EUR settlement · refunds credited in EUR Refunds not repurchased; freeze in app for disputes Krak Card · EEA physical Refunds / repayment Settles in EUR; refunds return EUR to Everyday Refunds do not automatically repurchase crypto. Merchant preauthorizations may reserve extra funds. Freeze in Card; dispute through transaction details → Get help with this transaction, contacting the merchant first for goods/services issues.	No additional terms listed Krak Card · EEA physical Usage limits No additional terms listed

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 →
Krak CardEEA physical	—Spending rate not estimable	—	—	—	Full fee terms Krak Card · EEA physical 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.