MetaMask - Metal CardvsPlasma One
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 |  Third National Bank 7.8/10 Get card |
|---|---|---|
| Verdict | ||
| Editor scoreComposite of fees, rewards, transparency and user sentiment | 7.6/10 | Best 7.8/10 |
| Costs | ||
| Annual fee | $199 | Best None |
| FX fee | Best 0% | 1% |
| Crypto top-up | 0.9% | Best 0% |
| Issuance fee | Free | Free |
| ATM fee | 2% | 2% |
| Rewards | ||
| Max cashback | 1%–3% cashback | Best 2%–4% cashback |
| Payout token | mUSD | XPL |
| Staking | $199/year subscription | Lite ($0): 2%; Core ($199/yr or 20k XPL lock): 3% + 5% AI; Platinum (150k XPL 12-mo lock): 4% + 10% AI & Flights |
| Perks | Metal card · 3% mUSD back · 0% FX | Apple & Google Pay · 10% AI & Flight Cashback · Free Claude Pro & ChatGPT Plus |
| 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) | 26 (Global (150+ countries)) |
| Max daily spend | $30,000 | Best $1,000,000 |
| Monthly ATM limit | $1,200 | Best $3,000 |
| Mobile wallets | Apple Google | Apple Google |
| Networks | Linea, Base, Solana, Monad | Best Ethereum, Arbitrum, Base, Solana +1 |
| Top-up tokens | Best mUSD, USDC, USDT, wETH, EURe +2 | USDT, USDC |
| Issuer | Crypto Life (Baanx) | Third National Bank |
| Network | Mastercard | Visa |
The quick verdict
Plasma One pays the highest headline cashback at 4%, but check the staking requirement: lite ($0): 2%; core ($199/yr or 20k xpl lock): 3% + 5% ai; platinum (150k xpl 12-mo lock): 4% + 10% ai & flights.
MetaMask - Metal Card is the cheaper travel card at 0% FX, while Plasma One wins on annual cost at $0.
Both cards are available in 48 and 26 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
- 2% base cashback on free Lite tier and up to 4% base / 10% AI & Flights on Platinum
- Complimentary Claude Pro & ChatGPT Plus on Platinum (ChatGPT Go on Core)
MetaMask - Metal Card vs Plasma One — FAQ
Which is better, MetaMask - Metal Card or Plasma One?+
Plasma One has the higher editor score. MetaMask - Metal Card pays 1%–3% cashback with 0% FX, while Plasma One pays 2%–4% cashback with 1% 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 Plasma One?+
MetaMask - Metal Card has a $199 annual fee, 0.9% top-up fee and 0% FX. Plasma One has a no annual fee annual fee, 0% top-up fee and 1% 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 Plasma One 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.