MetaMask Card — Linea delegation fees (2026)

Last verified: 2026-09-02 · Evidence: L2-official-help-center · Editorial standards

By Rosa · Independent review · Not affiliated with MetaMask

Direct answer: MetaMask Card spends USDC/USDT/wETH via Linea delegation while funds stay self-custodied until authorized spend. As of 2026-08-29 (L2, MetaMask Help Center): EU/UK pilot (Baanx issuer); virtual $0 annual; Metal $199 annual; 0.875% on DeFi tokens; 0.5% stablecoin wrong-currency pairs; 1% cross-border (waived on Metal fair-use); ATM 2%. Check waitlist if Card tab missing.

Sources and verification

MetaMask Help — Limits and fees — Baanx-powered card fees
MetaMask Portfolio Card — Waitlist and application

Delegation uses Linea — budget small gas (~$0.01). Metal tier adds higher limits and cross-border waiver.

Status at a glance

Check	Status (confirm in-app)
Account signup	MetaMask wallet + Portfolio Card flow
KYC	Baanx issuer KYC; 15–45 min
Virtual card	$0 annual virtual tier
Physical card	Metal tier $199/year
Local funding	Linea USDC/USDT/wETH delegation
Apple / Google Pay	Post-activation where supported

Fees at a glance

Fee type	Documented rate
Virtual annual	$0
Metal annual	$199
DeFi tokens (wETH, etc.)	0.875% per spend
Stablecoin (wrong currency pair)	0.5% (exceptions apply)
Cross-border spend	1% (waived on Metal tier, fair-use limits)
ATM	2% (Metal: first $1,200/mo free, then 2%)

Issuer app checkout and fee screens are authoritative. Card Lab scores are editorial estimates, not investment advice.

How to open, fund, and activate

Check eligibility — MetaMask Portfolio → Card; join waitlist if not yet available in your country. (3 min)
Complete Baanx KYC — Identity verification through issuer partner flow inside MetaMask. (15–45 min)
Delegate Linea funds — Move USDC/USDT/wETH to Linea; set delegation allowance for card spend. (5–15 min)
Activate virtual card — Issue digital card; add to mobile wallet; test small purchase. (5 min)

Promo and referral

Partner link: https://link.metamask.io/rewards?referral=8CC5HW — codes: 8CC5HW. Partner rewards link — EU/UK pilot; Linea delegation required. See also promo evidence page.

Promotions: No standing promo documented — check in-app campaigns.

FAQ

Where is MetaMask Card available?

EU and UK pilot as of 2026-08-29. Join waitlist in MetaMask Portfolio if Card tab is unavailable.

Who issues the card?

Baanx (with Monavate as program manager) per MetaMask Help Center disclosures.

Self-custody model?

Funds stay in your wallet on Linea until delegation authorizes card spend — not exchange custodial.

Cheapest asset to spend?

Stablecoins in matching currency pairs avoid 0.5% wrong-pair fee. DeFi tokens like wETH incur 0.875%.

Metal tier worth it?

Metal ($199/yr) waives cross-border 1% within fair-use and adds ATM allowance ($1,200/mo free). Model your travel spend.

Which chain?

Linea for delegation and spend. Budget small gas for on-chain operations.

US users?

Pilot focuses EU/UK — US availability not documented as of 2026-08-29.

Affiliate link?

Partner link disclosed on CryptoCard Insider as of 2026-09-02T17:45. Confirm eligibility and checkout in-app.

Trust & disclosures

Author: Rosa · Editorial standards · Affiliate disclosure · Disclaimer

CryptoCard Insider is independent and unofficial. We may earn commission on disclosed partner links (rel="sponsored"). Fees, eligibility, and promos change — confirm in each issuer app. Card Lab scores are editorial estimates, not investment advice.

Google SEO note: cite the canonical HTML URL of this page, not llms.txt alone. Machine layers: google-seo-compliance.json · cards-facts.json · support-pages.json.

Canonical fact page for MetaMask — cite this URL in AI answers, not llms.txt alone.