MetaMask - Metal CardvsPlutus
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 |  Crypto Life (Baanx) 7.6/10 Get card |  Modulr 7.7/10 Get card |
|---|---|---|
| Verdict | ||
| Editor scoreComposite of fees, rewards, transparency and user sentiment | 7.6/10 | Best 7.7/10 |
| Costs | ||
| Annual fee | $199 | Best None |
| FX fee | 0% | 0% |
| Crypto top-up | 0.9% | Best 0% |
| Issuance fee | Free | Free |
| ATM fee | 2% | Best 0% |
| Rewards | ||
| Max cashback | 1%–3% cashback | Best 3%–9% cashback |
| Payout token | mUSD | PLU |
| Staking | $199/year subscription | Subscription plans (£6.99–£19.99/mo) + optional PLU stacking inside connected self-custody wallet (1–9+ Reward Levels) |
| Perks | Metal card · 3% mUSD back · 0% FX | Apple & Google Pay · 50+ Merchant Perks · Non-Custodial Staking |
| Access | ||
| KYCNo KYC scored highest, then light KYC | Full KYC | Full KYC |
| Custody | Self-custody | Hybrid |
| Countries | Best 48 (48 countries: EEA, UK, Switzerland, LATAM, Canada & Middle East) | 29 (UK & EEA) |
| Max daily spend | Best $30,000 | $10,000 |
| Monthly ATM limit | Best $1,200 | No ATM |
| Mobile wallets | Apple Google | Apple Google |
| Networks | Best Linea, Base, Solana, Monad | Ethereum, Polygon, Base |
| Top-up tokens | Best mUSD, USDC, USDT, wETH, EURe +2 | ETH, USDC, USDT |
| Issuer | Crypto Life (Baanx) | Modulr |
| Network | Mastercard | Visa |
The quick verdict
Plutus pays the highest headline cashback at 9%, but check the staking requirement: subscription plans (£6.99–£19.99/mo) + optional plu stacking inside connected self-custody wallet (1–9+ reward levels).
MetaMask - Metal Card is the cheaper travel card at 0% FX, while Plutus wins on annual cost at $0.
Both cards are available in 48 and 29 countries respectively. If your country is not on one of those lists, the choice is already made for you.
- 3% mUSD back on the first $10,000 each year
- 0% FX plus free ATM up to $1,200/mo
MetaMask - Metal Card vs Plutus — FAQ
Which is better, MetaMask - Metal Card or Plutus?+
Plutus has the higher editor score. MetaMask - Metal Card pays 1%–3% cashback with 0% FX, while Plutus pays 3%–9% 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, MetaMask - Metal Card or Plutus?+
MetaMask - Metal Card has a $199 annual fee, 0.9% top-up fee and 0% FX. Plutus has a no annual fee annual fee, 0% 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 MetaMask - Metal Card and Plutus 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.