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Free virtual card
MetaMask Card · Virtual
Issuance
Free virtual issuance
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No annual fee
MetaMask Card · Virtual
Monthly / annual
No annual fee
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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.
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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.
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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.
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Yes
Supported
MetaMask Card · Virtual
Apple Pay
Can be added to your mobile wallet
Wallet region and device requirements apply
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Yes
Supported
MetaMask Card · Virtual
Google Pay
Can be added to your mobile wallet
Wallet region and device requirements apply
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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
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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.
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Virtual only; no plastic card shipped
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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.
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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
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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.
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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
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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.
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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
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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.
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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.
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€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.
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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.
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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.
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Yes
Supported
Bitpanda Card · Euro-area physical card
Apple Pay
Apple Pay supported
Wallet and device requirements apply.
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Yes
Supported
Bitpanda Card · Euro-area physical card
Google Pay
Google Pay supported
Requires a device compatible with Google Wallet.
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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.
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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.
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Physical Visa debit · mobile wallet
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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Yes
Supported
Krak Card · EEA physical
Apple Pay
Apple Pay supported
Requires a supported device/wallet market and successful card enrollment.
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Yes
Supported
Krak Card · EEA physical
Google Pay
Google Pay supported
Requires a supported device/wallet market and successful card enrollment.
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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.
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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.
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Mastercard debit + virtual card
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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.
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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.
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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.
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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.
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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.
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No additional terms listed
Krak Card · EEA physical
Usage limits
No additional terms listed
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Free virtual card
Eligible European users only
OKX Card · EEA virtual
Issuance
Free virtual-card issuance
Eligible European users only; no physical card is issued.
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No monthly / annual fee
Stablecoin spread: 0.1%
OKX Card · EEA virtual
Monthly / annual
No monthly, annual or inactivity fee
Stablecoin conversion spread still applies; no holding fee does not mean cost-free purchases.
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0.1% conversion spread
EUR settlement; Mastercard FX
OKX Card · EEA virtual
Spending fees
0.1% stablecoin conversion spread; no card FX markup
Card settles in EUR; Mastercard converts non-EUR purchases. EUR billing and the stablecoin conversion spread still apply.
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2% USDG · max €50/mo
Eligible USDG purchases only
OKX Card · EEA virtual
Rewards
Non-VIP 2%, capped at €50/month; VIP up to 10%/€1,000
Standard schedule effective 2026-09-01: VIP1 4%/€300, VIP2 4.5%/€450, VIP3 5%/€1,000, VIP4+ 10%/€1,000. USDG-funded purchases only, not USDC; paid in USDG usually within 72 hours of settlement. Cash, finance, insurance, education, government and other MCC exclusions apply; refunds reverse rewards. Minimum reward 0.01 EUR and 0.01 USDG after conversion.
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Applications open · identity checks required
Qualifying EU/Norway residents; requires an OKX Europe account, in-app availability and issuer approval.
OKX Card · EEA virtual
Eligibility
Applications open · identity checks required
Qualifying EU/Norway residents; requires an OKX Europe account, in-app availability and issuer approval.
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Yes
Supported
OKX Card · EEA virtual
Apple Pay
Apple Pay supported
Requires supported device, wallet market and successful enrollment.
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Yes
Supported
OKX Card · EEA virtual
Google Pay
Google Pay supported
Requires supported device, wallet market and successful enrollment.
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No
ATM withdrawals not supported Cash-like, transfer and broker funding restricted
OKX Card · EEA virtual
ATM withdrawals
ATM withdrawals not supported
Cash-like transactions, financial transfers and brokerage/crypto-exchange funding are also restricted.
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Debits OKX Pay · no separate card top-up
Hold supported stablecoins; network costs apply
OKX Card · EEA virtual
Funding fees
Spend OKX Pay balance without a separate card top-up
Hold supported stablecoins first; external transfer or purchase costs depend on network/channel.
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Virtual Mastercard debit (prepaid BIN)
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USDC and USDG stablecoins
Select USDG for rewards; auto-converts to EUR
OKX Card · EEA virtual
Payment assets
USDC and USDG held in OKX Pay
Convert other assets into supported stablecoins first; automatic EUR conversion on spending. Select USDG for rewards; Exchange balances are not automatically available Pay balances.
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Subject to Pay balance and risk limits
Set personal per-purchase/daily limits in app
OKX Card · EEA virtual
Spending / ATM limits
No uniform fixed EEA per-purchase/day limit; balance and risk controls apply
Set personal per-purchase/day limits in Card management → Spending limits; the app shows available range. Disabled personal limits do not mean unrestricted spending. Daily limits reset 00:00 UTC; refunds do not restore allowance, except pre-settlement reversals.
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OKX Pay custody · auto conversion
Issued by Monavate; crypto asset, not bank deposit
OKX Card · EEA virtual
Who holds funds
Assets stay in OKX Pay with authority for OKX to convert and settle card payments
Monavate issues the card; OKX Europe manages the program. Continuous payment authority permits tips/settlement adjustments. Crypto balances are not deposit-insured bank deposits.
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OKX App → Pay → Card
Activate after regional access and approval
OKX Card · EEA virtual
Apply / activate
OKX App → Pay → Card → identity/region approval → activate → select payment stablecoin
Virtual card is app-only; no Card entry means unavailable for that account/region. Billing address must match the main account.
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EUR settlement · refunds reverse rewards
Original FX rate used; does not restore daily cap
OKX Card · EEA virtual
Refunds / repayment
OKX converts assets to EUR for issuer settlement; merchant refunds return to the account
EEA terms use the original transaction FX rate for refunds, without guaranteed compensation for FX losses. Tips/extra settlement can be debited automatically. Refunds reverse rewards and do not restore daily allowance; freeze suspicious cards and contact OKX support for disputes.
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No additional terms listed
OKX Card · EEA virtual
Usage limits
No additional terms listed
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$0 promotional issuance
Normally $20; check waiver
MEXC Card · Global virtual
Issuance
Currently $0 issuance under a limited waiver of the $20 standard fee
No fixed waiver end date is published; confirm at application, not a permanent free-issuance promise.
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No annual fee
Small / failed transactions extra
MEXC Card · Global virtual
Monthly / annual
$0 annual, inactivity and termination fees
Global transactions below $1 cost $0.10; failed transactions cost $0.50 each when failure rate reaches 20%.
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Regular purchase fee 1%
Campaign waivers separate; no FX markup. Visa rates and small/failed fees apply.
MEXC Card · Global virtual
Spending fees
Standard purchase fee 1%; no conversion fee or additional FX markup
Visa FX rates apply; small/failed-transaction fees are separate. These are regular rates. Qualifying campaign waivers are separate, not a full-year free-fee promise.
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4% · max 100 USDT/mo
Standard actual M-Score ≥350
Month-end tier applies
MEXC Card · Global virtual
Rewards
Standard 4%/100 USDT monthly; Premier 6%/300; Elite 10%/800
Requires actual M-Score 350–599, 600–799 or 800+, using month-end tier; trial tiers do not qualify. Eligible settled spending only, excluding disallowed merchants and refunds; paid to Spot on the next month’s 15th. Rewards may change with the program.
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Applications open · identity checks required
Global Card applications available; Advanced KYC, actual address and account/card approval required.
MEXC Card · Global virtual
Eligibility
Applications open · identity checks required
Global Card applications available; Advanced KYC, actual address and account/card approval required.
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Yes
Supported
MEXC Card · Global virtual
Apple Pay
Apple Pay supported
Add card details and verify; wallet name must match the cardholder, with supported region/device.
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Yes
Supported
MEXC Card · Global virtual
Google Pay
Google Pay supported
Add card details and complete verification; wallet name must match the cardholder.
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No
No ATM for virtual card Global virtual card; offline withdrawals excluded
MEXC Card · Global virtual
ATM withdrawals
No ATM access for the virtual card
This edition is the Global virtual card, without a physical card.
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0 USDT card top-up fee
Fund via Fiat balance; network and buy costs extra
MEXC Card · Global virtual
Funding fees
No card top-up fee for USDT funding
Network and crypto-purchase channel costs are separate; fund the card through your Fiat account.
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USD Visa virtual card
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USDT funded via Fiat account
Spot transfer or on-chain deposit; initial top-up
MEXC Card · Global virtual
Payment assets
USDT → Fiat account → My MEXC Card → Deposit
Transfer from Spot, deposit on-chain, or buy USDT through Quick Buy/P2P; verify network/address. Activation funding may be required and is returned if the application fails.
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Max $80,000/tx · $1,000,000/day
Max 100 tx/day, 2,500/mo; risk checks apply
MEXC Card · Global virtual
Spending / ATM limits
Up to $80,000/transaction and $1,000,000/day
100 transactions/day, 2,500/month and 25,000/year; no fixed annual amount is listed, which does not imply unlimited spending.
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USDT held in MEXC Fiat/card account
Platform managed; insufficient balance declines
MEXC Card · Global virtual
Who holds funds
USDT held in MEXC Fiat/card accounts managed by the platform
Card funding is held in platform accounts, not a separately controlled wallet; insufficient funds can cause declines.
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Apply for Global after Advanced KYC
Real residence details; normally one card per type per identity
MEXC Card · Global virtual
Apply / activate
Advanced KYC → Buy Crypto / More → MEXC Card → Global → Apply
Supply identity, contact and actual residence details; deposit if required for activation, then link a wallet after approval. Normally one card of each type per verified identity.
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Refunds 1–7 days · no fee
Hotels up to 30d; clawback applies; dispute 90-120d
MEXC Card · Global virtual
Refunds / repayment
Settlement usually 1–3 working days; no Global refund fee
Settlement may take 30 days; refunds usually 1–7 days, up to 30 for travel/hotels. Rewards are clawed back. Freeze suspicious cards and contact merchant/support; duplicate-charge disputes within 90 days, fraud within 120.
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October campaign advertises purchase-fee waivers
MEXC Card · Global virtual
Usage limits
October campaign advertises purchase-fee waivers Campaign eligibility applies, not every account or transaction. Annual estimates retain the regular 1%, without annualizing the waiver. Issuance offers are separate.
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