MetaMask - Metal CardvsSolidYield
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 | SYVisa SolidYield Rain 7.6/10 Get card |
|---|---|---|
| Verdict | ||
| Editor scoreComposite of fees, rewards, transparency and user sentiment | 7.6/10 | 7.6/10 |
| Costs | ||
| Annual fee | $199 | Best None |
| FX fee | Best 0% | 1.5% |
| Crypto top-up | 0.9% | Best 0% |
| Issuance fee | Free | Free |
| ATM fee | 2% | 2% |
| Rewards | ||
| Max cashback | 1%–3% cashback | Best 3%–5% cashback |
| Payout token | mUSD | USDC |
| Staking | $199/year subscription | Core ($0/yr): 3% USDC back ($50/mo cap); Prime & Ultra unlock up to 5% + 10%–20% on AI/subscriptions |
| Perks | Metal card · 3% mUSD back · 0% FX | Apple & Google Pay · 3%–5% USDC Cashback · DeFi Yield + Statements |
| Access | ||
| KYCNo KYC scored highest, then light KYC | Full KYC | Full KYC |
| Custody | Self-custody | Self-custody |
| Countries | Best 48 (48 countries: EEA, UK, Switzerland, LATAM, Canada & Middle East) | 19 (Global (EU, LATAM, SEA, Africa)) |
| Max daily spend | Best $30,000 | $10,000 |
| Monthly ATM limit | $1,200 | Best $2,000 |
| Mobile wallets | Apple Google | Apple Google |
| Networks | Linea, Base, Solana, Monad | Ethereum, Base, Arbitrum, Polygon |
| Top-up tokens | Best mUSD, USDC, USDT, wETH, EURe +2 | USDC, USDT, ETH |
| Issuer | Crypto Life (Baanx) | Rain |
| Network | Mastercard | Visa |
The quick verdict
SolidYield pays the highest headline cashback at 5%, but check the staking requirement: core ($0/yr): 3% usdc back ($50/mo cap); prime & ultra unlock up to 5% + 10%–20% on ai/subscriptions.
MetaMask - Metal Card is the cheaper travel card at 0% FX, while SolidYield wins on annual cost at $0.
Both cards are available in 48 and 19 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
- 3% base cashback paid in USDC on the free Core tier (up to 5% on Ultra)
- 10% to 20% cashback on subscriptions and rides on Prime/Ultra
MetaMask - Metal Card vs SolidYield — FAQ
Which is better, MetaMask - Metal Card or SolidYield?+
MetaMask - Metal Card has the higher editor score. MetaMask - Metal Card pays 1%–3% cashback with 0% FX, while SolidYield pays 3%–5% cashback with 1.5% 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 SolidYield?+
MetaMask - Metal Card has a $199 annual fee, 0.9% top-up fee and 0% FX. SolidYield has a no annual fee annual fee, 0% top-up fee and 1.5% 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 SolidYield 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.