MetaMask - Metal CardvsYodl Pay
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 | YDVisa Yodl Pay Sovereign QR Rails 6.6/10 Get card |
|---|---|---|
| Verdict | ||
| Editor scoreComposite of fees, rewards, transparency and user sentiment | Best 7.6/10 | 6.6/10 |
| Costs | ||
| Annual fee | $199 | Best None |
| FX fee | Best 0% | 0.8% |
| Crypto top-up | 0.9% | Best 0% |
| Issuance fee | Free | Free |
| ATM fee | 2% | Best 0% |
| Rewards | ||
| Max cashback | Best 1%–3% cashback | Up to 1% cashback |
| Payout token | mUSD | USDC |
| Staking | $199/year subscription | None (streak rewards for everyday QR payments) |
| Perks | Metal card · 3% mUSD back · 0% FX | Sovereign QR Pay · Gasless L2 Payments · Quick Pay No-KYC |
| Access | ||
| KYCNo KYC scored highest, then light KYC | Full KYC | Best Light KYC |
| Custody | Self-custody | Self-custody |
| Countries | Best 48 (48 countries: EEA, UK, Switzerland, LATAM, Canada & Middle East) | 7 (LATAM & Southeast Asia (Argentina, Brazil, Philippines, Vietnam, Colombia, Bolivia, Peru)) |
| Max daily spend | Best $30,000 | $5,000 |
| Monthly ATM limit | Best $1,200 | No ATM |
| Mobile wallets | Best Apple Google | |
| Networks | Linea, Base, Solana, Monad | Best Ethereum, Arbitrum, Base, BNB Chain +3 |
| Top-up tokens | Best mUSD, USDC, USDT, wETH, EURe +2 | USDC, USDT, ETH |
| Issuer | Crypto Life (Baanx) | Sovereign QR Rails |
| Network | Mastercard | Visa |
The quick verdict
MetaMask - Metal Card pays the highest headline cashback at 3%, but check the staking requirement: $199/year subscription.
MetaMask - Metal Card is the cheaper travel card at 0% FX, while Yodl Pay wins on annual cost at $0.
Both cards are available in 48 and 7 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 Yodl Pay — FAQ
Which is better, MetaMask - Metal Card or Yodl Pay?+
MetaMask - Metal Card has the higher editor score. MetaMask - Metal Card pays 1%–3% cashback with 0% FX, while Yodl Pay pays Up to 1% cashback with 0.8% 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 Yodl Pay?+
MetaMask - Metal Card has a $199 annual fee, 0.9% top-up fee and 0% FX. Yodl Pay has a no annual fee annual fee, 0% top-up fee and 0.8% 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 Yodl Pay 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.