MetaMask Card — Linea delegation fees (2026)

Last verified: 2026-10-12 · Evidence: L2-official-help-center · Editorial standards

By (founder: Rosa Xie) · Independent review · Disclosure: we may earn a referral reward from the MetaMask partner link below · Affiliate disclosure

Direct answer: MetaMask Card spends USDC/USDT/wETH via Linea delegation while funds stay self-custodied until authorized spend. Fees as of 2026-10-12 (L2, MetaMask Card limits and fees page): virtual $0 annual; Metal $199 annual; 0.875% on other crypto such as wETH (yield tokens such as aUSDC free up to $1,200/mo, then 0.5%); 0.5% on stablecoins in a currency that matches neither you nor the merchant; 1% cross-border (none on Metal, fair use); ATM 2% (Metal: free up to $1,200/mo). Availability as of 2026-08-29: EU/UK pilot (Baanx issuer); check the waitlist if the Card tab is missing, and confirm US availability in-app because MetaMask pages disagree.

Sources and verification

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

Status at a glance

CheckStatus (confirm in-app)
Account signupMetaMask wallet + Portfolio Card flow
KYCBaanx issuer KYC; 15–45 min
Virtual card$0 annual virtual tier
Physical cardMetal tier $199/year
Local fundingLinea USDC/USDT/wETH delegation
Apple / Google PayPost-activation where supported

Fees at a glance

Fee typeDocumented rate
Virtual annual$0
Metal annual$199
Other crypto (wETH) and DeFi tokenswETH-type tokens 0.875% per spend; yield tokens such as aUSDC: no fee up to $1,200/mo, then 0.5%
Stablecoin (wrong currency pair)0.5% (exceptions apply)
Cross-border spend1% (waived on Metal tier, fair-use limits)
ATM2% (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

  1. Check eligibility — MetaMask Portfolio to Card; join waitlist if not yet available in your country. (3 min)
  2. Complete Baanx KYC — Identity verification through issuer partner flow inside MetaMask. (15–45 min)
  3. Delegate Linea funds — Move USDC/USDT/wETH to Linea; set delegation allowance for card spend. (5–15 min)
  4. 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 RedotPay promo code · evidence.

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. Other cryptocurrencies like wETH incur 0.875%; yield tokens like aUSDC are free up to $1,200 a month.
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.

Related

Trust & disclosures

Author: (founder: Rosa Xie) · 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. Contact: [email protected].

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