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Head-to-head · Crypto Cards

MetaMask Card vs Plutus Card MetaMask Card leads by 28 points.

MetaMask Card scores 28 points above Plutus Card, led by cost abroad, card reliability, and named issuer. MetaMask Card ranks #4 and Plutus Card #9 of 9 published crypto cards. Every term of the gap is on the ledger below; the inputs are on the audit receipt.

MetaMask Card69
Plutus Card41
Scores are out of 100; published scores fall within 41–99 · ranks #4 and #9 of 9
Methodology v2026.10.18Ranking snapshot Evidence verified through 4 published criteria5 score dimensions Receipt #cc-VS-METAMASK-CARD-VS-PLUTUS-CARD-33649867
Published verdictRanking snapshot 3 November 2026

MetaMask Card leads by 28 points

MetaMask Card scores 28 points above Plutus Card, led by cost abroad, card reliability, and named issuer.

MetaMask Card #4 of 969
Plutus Card #9 of 941
Scores are out of 100; published scores fall within 41–99; a bar is empty at 41 and full at 99.
Why, term by termMetaMask Card leads on 4 of 4 published criteria; Plutus Card on 0. The terms sum to the gap.
TermMetaMask CardPlutus CardWeightPoints
Cost abroad6/104/107.9+4.1for MetaMask Card+2.1 of 32
Card reliability4/101/106.2+4.9for MetaMask Card+2.5 of 32
Named issuer5/101/105+5.2for MetaMask Card+2.7 of 32
Tax on spending6/102/104.8+5.0for MetaMask Card+2.6 of 32
AvailabilityScore dimension12620+15.6for MetaMask Card
Net of the terms+34.8
Criteria roundingThe criteria block is rounded to whole points before it is spread−0.2
Reproduced gap+34.6
Published gapAfter score rounding and bounds — see the note below6941+28.0

Weight is in points of the 86-point weighted total. Points are score points of the gap between the two.

  • A floor bound on one row means the criterion arithmetic does not reproduce the displayed gap exactly.
Quick facts

At a glance

1 of 3 rows read the same for both.
FactMetaMask CardPlutus Card
PricingSnapshotFrom https://support.metamask.io/trade/metamask-card/limits-and-fees/ (HTTP 200, fetched 28 September 2026), "Fee type" / "Free tier" / "Metal tier": "Annual subscription fee" "$0" / "$199"; "Physical card replacement fee" "n/a" / "$99"; token fees "Delegate funds for spending" "No fee (no min. balance)", "Stablecoin of non-US cardholder denominated in local currency" "No fee", "Stablecoin of US cardholder denominated in USD" "No fee", "Stablecoin denominated in currency not of cardholder country or merchant country" "0.5%", "Stablecoin denominated in local currency of merchant country but not of cardholder country" "No fee", "DeFi token or tokenized yield (e.g., aUSDC)" "No fee up to $1,200 / mo, then 0.5%", "Other cryptocurrencies (e.g., wETH)" "0.875%"; "Network gas (e.g., Linea)" "Small, variable gas fee (typically $0.01)"; "ATM withdrawal" "2%" (Free) / "No fee up to $1,200 / mo, then 2%" (Metal); "Cross-border" "1%" (Free) / "No fee" (Metal). Footnotes: "ATM operator may charge you additional fee." "Using card with merchant located outside of cardholder country." "Subject to fair usage." Limits: "Card transaction limit" "$10,000 / tx" "$15,000 / day" (Free), "$20,000 / tx" "$30,000 / day" (Metal); "ATM withdrawal limit" "$1,000 / tx" "$1,000 / day" (Free), "$1,000 / tx" "$5,000 / day" (Metal). The zero-fee Metal tier cannot currently be bought: https://support.metamask.io/trade/metamask-card/metal-card/ (fetched 28 September 2026) says "New Metal card orders are currently unavailable." and the Metal tier "is currently only available to users in the United States", where sign-ups are "temporarily closed" (https://metamask.io/card). Not priced anywhere: the FX margin over the Mastercard rate (https://support.metamask.io/trade/metamask-card/card-faq/ says only "the best foreign exchange rate allowed by MasterCard").From https://www.plutus.it/fees (HTTP 200, fetched 28 September 2026), verbatim rows across the plan columns "Starter" / "Everyday" / "Premium": "1.3 Trading Fee" "1%" "0%" "0%"; "1.4 Virtual Card Order Fee" "Free"; "1.6 Physical Card Order Fee" "€9.99 / £9.99"; "2.1 Point of Sale transaction (Domestic)*" "Free"; "2.2 Point of Sale transaction (Non Domestic)*" "2.5%" on all three plans; "3.1 ATM withdrawal" "2.5%" on all three plans; "4.1 Single Card Transaction Limit" "£500,000 /€500,000". Footnote: "However, if you use a EURO-denominated card to make a payment in a currency other than EURO, a 2.5% fee will be imposed (classified as a non-domestic transaction)." The page carries no last-updated stamp of its own; its only date is "© Plutus 2025". Subscriptions, https://www.plutus.it/plans (fetched 28 September 2026): "Starter (£/€)" "6.99 / month*", "Everyday(£/€)" "9.99 / month*", "Premium (£/€)" "19.99 / month*". These prices govern a card the vendor says cannot currently be spent: https://www.plutus.it/blog/plutus-q1-migration-faq (dated 20 February 2026, still the newest status notice on 28 September 2026) says "even while card spending is not possible".
Asset coverageEditorial——
Region fitSnapshoteurope, latam, caeurope
From the published criteria

Which should you pick?

MetaMask Card

69#4 of 9
Leads
Pick it when
Pick MetaMask Card if cost abroad matters most — it scores 6/10 to Plutus Card's 4/10 there (weight 33).
Strength
Swipe cost abroad — 6/10
Tradeoff
You will most likely be annoyed by discovering that the tier you paid to reach cannot be bought, and that MetaMask's three fee pages do not agree. The $199 Metal tier is the only way to zero the 1% cross-border fee and to waive the 2% ATM fee on the first $1,200 a month — and https://support.metamask.io/trade/metamask-card/what-is-metamask-card/ (loaded 2026-08-17) says 'Orders for the Metal card are temporarily paused as of June 2nd, 2026.' while https://metamask.io/card (same date) still runs a 'GET METAL' button at '$199/year' and claims 'MetaMask Metal Card is now available in the US. Get yours today.' Meanwhile the help-centre FAQ tells you foreign transactions carry no additional fee while the fee table charges 1%, and the help-centre article on using the card lists only gas and a 0.875% swap fee under 'You will also be charged a minimal fee for each transaction:', omitting the cross-border and ATM lines entirely. On the free tier outside the US you cannot use an ATM at all.

Plutus Card

41#9 of 9
Pick it when
Plutus Card leads MetaMask Card on no published criterion and no score dimension — pick it only if a fact outside the score (country, funding rail, custody) decides for you.
Strength
Swipe cost abroad — 4/10
Tradeoff
You can be paying £/€6.99 to £/€19.99 a month, today, for a card the vendor's own most recent dated communication says cannot be spent — and the page that sells you the subscription links to that communication under the words 'The 2026 Transition Update'. The homepage headline next to it reads 'No fees. No Catch.'
Self-identify in 10 seconds

Which one is actually for you?

MetaMask CardLeads

Choose MetaMask Card if cost abroad matters most

  • Cost abroad: 6/10 against 4/10 for Plutus Card (weight 33)
  • Card reliability: 4/10 against 1/10 for Plutus Card (weight 26)
  • Named issuer: 5/10 against 1/10 for Plutus Card (weight 21)
Plutus Card

Plutus Card leads MetaMask Card on no published criterion

  • Choose it only if something outside the published criteria decides for you — your country, a funding rail, or custody.
Criterion by criterion

Scorecard

Published criteria · weight in points of 868 of 8 cells scored. Strength is read from the evidence file; the weight is the published one. Methodology

Cost abroad

by 2 of 10weight 7.9 of 86MetaMask Card leads
MetaMask Card6 out of 10
Plutus Card4 out of 10

Card reliability

by 3 of 10weight 6.2 of 86MetaMask Card leads
MetaMask Card4 out of 10
Plutus Card1 out of 10

Named issuer

by 4 of 10weight 5 of 86MetaMask Card leads
MetaMask Card5 out of 10
Plutus Card1 out of 10

Tax on spending

by 4 of 10weight 4.8 of 86MetaMask Card leads
MetaMask Card6 out of 10
Plutus Card2 out of 10

Score dimensions

weights sum to 86

The published score is five dimensions, each weighted for the category. "Published criteria" is the criteria block above; the other four are the engine's own terms — availability, friction, trust record, measured data. Each bar is one side's points out of that dimension's maximum; the weight beside the name is its points of the 86-point weighted total. The published criteria above can fill 24 of the block’s 30. A weight marked “constant here” belongs to a dimension every ranked product in the category holds at the same value: it still counts in the total, and it orders nothing here.

Availabilityweight 20 of 86
MetaMask Card12/20Plutus Card6/20
MetaMask Card leads
Published criteriaweight 30 of 86
MetaMask Card12.6/30Plutus Card5.3/30
MetaMask Card leads
Frictionweight 10 of 86 · constant here
MetaMask Card2.7/10Plutus Card2.7/10
Tie
Trust recordweight 8 of 86 · constant here
MetaMask Card3.2/8Plutus Card3.2/8
Tie
Measured dataweight 18 of 86 · constant here
MetaMask Card8.3/18Plutus Card8.3/18
Tie
Decision rulePublished order

Choose MetaMask Card unless the term Plutus Card leads on is the one you are buying.

Plutus Card leads MetaMask Card on no published criterion and no score dimension — pick it only if a fact outside the score (country, funding rail, custody) decides for you.

The published order weighs every criterion the same way for everyone. To weigh them your way, run .

From the published order

Next best action

If this isn't your case

Other matchups worth comparing

How you can lose money here, and what the ranking scores
  • Regulatory failure: no licence where you are, or a forced market exit.
    Scored by Whose licence is actually behind this card, and will they even tell me their name? · 21% (MetaMask Card 5/10, Plutus Card 1/10)
    Scored by Does buying a coffee create a taxable disposal, and will they hand me the record? · 20% (MetaMask Card 6/10, Plutus Card 2/10)
  • Exit failure: you cannot get out at par, on time, or with what is yours.
    Scored by Will this card still work next month, and who has to fail for it to stop? · 26% (MetaMask Card 4/10, Plutus Card 1/10)
Not assessed by this ranking: Control failure, Liveness failure, Custody failure, Insolvency failure, Execution failure, Information failure. A high place says nothing about these; the Methodology tab says what each means.
Also scored, as cost, quality or a summary of several families: What does one swipe abroad actually cost me, and can I work that out before I sign up? (33%).
Questions

Frequently asked questions

MetaMask Card scores 28 points above Plutus Card, led by cost abroad, card reliability, and named issuer. Published scores, out of 100: MetaMask Card 69 (rank 4 of 9 crypto cards), Plutus Card 41 (rank 9 of 9).

Related pages

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Written and reviewed by Founder
Reviewed Next review by Methodology v2026.10.18
How this page is reviewed

Reviewed means both products compared here was read against its sources on or after that date; every ranked category is re-read at least every 45 days. Models research, extract and parse. A deterministic engine ranks. Every quote passes an adversarial refute pass.

Accountable for this review: Mathias Siemonsmeier, Founder.

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