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Direct comparison

ether.fi Cash vs MetaMask Card

Wallet and vault cards compared — regional terms, reward tiers and ongoing costs.

What matters

Key differences to help you choose, without an overall score.

  1. ether.fi Cash

    • If you want to connect card payments to your own wallet and use the ether.fi Cash workflow.
    • If you can check FX, ETHFI saveback and the monthly tiers together.

  2. MetaMask Card

    • If you want to make card payments from a MetaMask wallet.
    • If you want to compare Virtual and Metal by annual fee, regional fees and ATM access.

Features

Differences5

criterionether.fi CashMetaMask Card
NetNetwork: Visa or Mastercard. “Both” in research meets the Visa or Mastercard filter.VisaMastercard
FXFX: Provider's surcharge when paying in foreign currency, plus target currency if used. Spread when changing assets is not 0-%-FX. Visa rate = network rate without extra markup.0% EUR · otherwise base rate + up to 0.5%1% abroad
CapCap: Upper limit or scale of this SKU (month, AI band, flight). No cap in the cell does not mean “unlimited” if the policy is unknown.$2k, EUR $800 · 1% / 0.5–0.1%no cap
SavebackSaveback: Rate of this SKU — not the marketing cap. One number per column for sorting to work.3%1%
Card costsCard Cost: Issue or subscribe to this SKU. Month × 12 = Year. EUR 0 only with an officially free edition - “no subscription” is not a 0. Mandatory lock or hold (CRO, XPL, WPAY) is in the cell with the amount - this is not a sorting price. Tickers lead to CoinMarketCap.$0 virtual · $50 physical$ 0
To the offerAffiliate links
To the offer ↗
To the offer ↗
Shared features3
criterionether.fi CashMetaMask Card
Card typeCard type: Debit debits credit/account. Prepaid is loaded beforehand. Mixed = Debit and Credit variants in one SKU line.DebitDebit
CustodyCustody: Custodial = credit on the provider account. Non-custodial = card on a wallet, not on the exchange account.Non-custodialNon-custodial
Apple/Google PayApple/Google Pay: Hard Research Line. A help text “2025 is coming” does not count as yes.✓✓

Overview

Conclusion — Strengths, limitations and suitable uses. Your workflow and the functions it requires are what matter.

Editorial assessment

ether.fi Cash and MetaMask Card connect card payments to a wallet or vault workflow. Supported balances, regional availability and ongoing costs are decisive. Self-custody removes neither smart-contract risk nor the card partner’s terms.

ether.fi Cash tiers rewards by monthly use and membership. Its starting rate is therefore not a fixed cashback rate for all spending. The USD card currency, conversion and your selected level’s terms belong in the same cost calculation.

For MetaMask Card Virtual and Metal differ in annual fees and ATM access, among other things. The current FAQ lists Virtual ATM withdrawals only for the US. Older FX and ATM values in the catalogue are therefore not a reliable promise for a German or European account; its regional card terms govern.

Compare eligible spending, caps and fees for the same region and card tier. The starting rates alone do not establish a higher net benefit here.

For these crypto cards, also compare the path from your existing balance to the card payment: supported tokens, network and any conversion.

Compare alternatives

01

ether.fi Cash

Pros

  • Non-custodial Vault: according to its help pages, ether.fi cannot move your funds
  • Saveback at entry level 3%
  • EUR Trader: 0% FX Markup (Beta)
  • SEPA at EUR 0.90 per EURC deposit or per withdrawal
  • Apple Pay / Google Pay

Cons

  • Cashback drops along the monthly ladder (Core from $ 2000, EUR purchases from $ 800)
  • Saveback in ETHFI: the price moves, with a seven-day lock
  • Luxe and Pinnacle require membership points or an annual purchase
  • Other currencies: base rate plus up to 0.5% in Core
  • Physical Core card costs $50
  • Private key cannot be exported yet

more suitable if...

  • If you want to connect card payments to your own wallet and use the ether.fi Cash workflow.
  • If you can check FX, ETHFI saveback and the monthly tiers together.
02

MetaMask Card

Pros

  • Non-custodial — keys stay with you
  • Saveback at entry level 1%
  • Card Issuance $ 0 (Virtual)
  • Apple Pay / Google Pay

Cons

  • Metal has an annual fee
  • According to the FAQ, Virtual allows ATM withdrawals only in the United States
  • Check wallet, token and regional fee terms before use

more suitable if...

  • If you want to make card payments from a MetaMask wallet.
  • If you want to compare Virtual and Metal by annual fee, regional fees and ATM access.

Sources & notes

Where to go next