El DoradovsMetaMask - Metal Card
A metric-by-metric comparison based on published fees and limits. “Best” means the lowest cost or highest reward in that row — not an editorial endorsement.
| Metric | EDVisa El Dorado Tala Mobile / Visa Partner 5.7/10 Get card |  Crypto Life (Baanx) 7.6/10 Get card |
|---|---|---|
| Verdict | ||
| Editor scoreComposite of fees, rewards, transparency and user sentiment | 5.7/10 | Best 7.6/10 |
| Costs | ||
| Annual fee | Best None | $199 |
| FX fee | 0% | 0% |
| Crypto top-up | Best 0% | 0.9% |
| Issuance fee | Free | Free |
| ATM fee | Best 0% | 2% |
| Rewards | ||
| Max cashback | Up to 2% cashback | Best 1%–3% cashback |
| Payout token | USDT | mUSD |
| Staking | None | $199/year subscription |
| Perks | Apple & Google Pay · LATAM Local Ramps · Micro-Credit Access | Metal card · 3% mUSD back · 0% FX |
| Access | ||
| KYCNo KYC scored highest, then light KYC | Full KYC | Full KYC |
| Custody | Custodial | Self-custody |
| Countries | 7 (Bolivia & LATAM (7+ countries)) | Best 48 (48 countries: EEA, UK, Switzerland, LATAM, Canada & Middle East) |
| Max daily spend | $2,500 | Best $30,000 |
| Monthly ATM limit | No ATM | Best $1,200 |
| Mobile wallets | Apple Google | Apple Google |
| Networks | Tron, Polygon, Arbitrum, BNB Chain | Linea, Base, Solana, Monad |
| Top-up tokens | USDT, USDC | Best mUSD, USDC, USDT, wETH, EURe +2 |
| Issuer | Tala Mobile / Visa Partner | Crypto Life (Baanx) |
| Network | Visa | Mastercard |
The quick verdict
MetaMask - Metal Card pays the highest headline cashback at 3%, but check the staking requirement: $199/year subscription.
El Dorado is the cheaper travel card at 0% FX, while El Dorado wins on annual cost at $0.
Both cards are available in 7 and 48 countries respectively. If your country is not on one of those lists, the choice is already made for you.
- Essential USD Visa card and inflation shield for Bolivia and LATAM
- Deep integration with local LATAM rails (PIX, Yape, Nequi, QR Simple)
- 3% mUSD back on the first $10,000 each year
- 0% FX plus free ATM up to $1,200/mo
El Dorado vs MetaMask - Metal Card — FAQ
Which is better, El Dorado or MetaMask - Metal Card?+
MetaMask - Metal Card has the higher editor score. El Dorado pays Up to 2% cashback with 0% FX, while MetaMask - Metal Card pays 1%–3% cashback with 0% FX. The right choice depends on whether you value cashback, low FX, self-custody or country availability more.
Which card has lower fees, El Dorado or MetaMask - Metal Card?+
El Dorado has a no annual fee annual fee, 0% top-up fee and 0% FX. MetaMask - Metal Card has a $199 annual fee, 0.9% top-up fee and 0% FX. The winner depends on your spend currency and funding token; run the net return calculator for your own numbers.
Can I use El Dorado and MetaMask - Metal Card together?+
Yes, in most jurisdictions there is no restriction on holding multiple crypto cards. A common setup is using the lowest-FX card for travel and the highest-cashback card for domestic or online spend.