Exa CardvsMetaMask - Metal Card
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 | EXVisa Exa Card Third National Bank 6.2/10 Get card |  Crypto Life (Baanx) 7.6/10 Get card |
|---|---|---|
| Verdict | ||
| Editor scoreComposite of fees, rewards, transparency and user sentiment | 6.2/10 | Best 7.6/10 |
| Costs | ||
| Annual fee | Best None | $199 |
| FX fee | 1.5% | Best 0% |
| Crypto top-up | Best 0% | 0.9% |
| Issuance fee | Free | Free |
| ATM fee | Best 0.7% | 2% |
| Rewards | ||
| Max cashback | No cashback | Best 1%–3% cashback |
| Payout token | USDC | mUSD |
| Staking | Collateral deposited in Exactly Protocol earns variable supply APY | $199/year subscription |
| Perks | Apple & Google Pay · DeFi Installments · Visa Signature Perks | Metal card · 3% mUSD back · 0% FX |
| Access | ||
| KYCNo KYC scored highest, then light KYC | Full KYC | Full KYC |
| Custody | Self-custody | Self-custody |
| Countries | 23 (47 countries (US, LATAM, APAC, Africa)) | Best 48 (48 countries: EEA, UK, Switzerland, LATAM, Canada & Middle East) |
| Max daily spend | $10,000 | Best $30,000 |
| Monthly ATM limit | $1,000 | Best $1,200 |
| Mobile wallets | Apple Google | Apple Google |
| Networks | Optimism, Ethereum, Base | Best Linea, Base, Solana, Monad |
| Top-up tokens | USDC, ETH, BTC | Best mUSD, USDC, USDT, wETH, EURe +2 |
| Issuer | Third National Bank | Crypto Life (Baanx) |
| Network | Visa | Mastercard |
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 Exa Card wins on annual cost at $0.
Both cards are available in 23 and 48 countries respectively. If your country is not on one of those lists, the choice is already made for you.
Exa Card vs MetaMask - Metal Card — FAQ
Which is better, Exa Card or MetaMask - Metal Card?+
MetaMask - Metal Card has the higher editor score. Exa Card pays No cashback with 1.5% FX, while MetaMask - Metal Card pays 1%–3% 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, Exa Card or MetaMask - Metal Card?+
Exa Card has a no annual fee annual fee, 0% top-up fee and 1.5% FX. MetaMask - Metal Card has a $199 annual fee, 0.9% 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 Exa Card and MetaMask - Metal Card 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.