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Head-to-head · Crypto Cards

MetaMask Card vs Zeal MetaMask Card leads by 20 points.

MetaMask Card scores 20 points above Zeal, led by cost abroad and tax on spending. MetaMask Card ranks #4 and Zeal #8 of 9 published crypto cards. Every term of the gap is on the ledger below; the inputs are on the audit receipt.

MetaMask Card69
Zeal49
Scores are out of 100; published scores fall within 41–99 · ranks #4 and #8 of 9
Methodology v2026.10.18Ranking snapshot Evidence verified through 4 published criteria5 score dimensions Receipt #cc-VS-METAMASK-CARD-VS-ZEAL-2c2d04eb
Published verdictRanking snapshot 3 November 2026

MetaMask Card leads by 20 points

MetaMask Card scores 20 points above Zeal, led by cost abroad and tax on spending.

MetaMask Card #4 of 969
Zeal #8 of 949
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 2 of 4 published criteria; Zeal on 2. The terms sum to the gap.
TermMetaMask CardZealWeightPoints
Cost abroad6/105/107.9+2.1for MetaMask Card+1.1 of 32
Card reliability4/105/106.2−1.6for Zeal−0.8 of 32
Named issuer5/106/105−1.3for Zeal−0.7 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+19.7
Criteria roundingThe criteria block is rounded to whole points before it is spread−0.2
Reproduced gap+19.5
Published gapAfter score rounding and bounds — see the note below6949+20.0

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

Quick facts

At a glance

1 of 3 rows read the same for both.
FactMetaMask CardZeal
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.zeal.app/ (HTTP 200, fetched 28 September 2026), footnote 2 in the FOR CARD block, the closest thing Zeal publishes to a price for spending: "When spending in another currency with the Gnosis Pay card, Visa's wholesale foreign exchange rate is used, which is a very competitive exchange rate. The rate is subject to change and will fluctuate. Zeal does not charge any additional foreign exchange fees. Other fees and charges from Gnosis Pay, such as ATM withdrawal fees, may apply as per their documentation." Headline on the same page: "Spend abroad with no exchange fees and up to 4% Cashback." and "Spend abroad at the Visa mid-market rate". Card acquisition, https://www.zeal.app/learn/order-your-free-card (fetched 28 September 2026): "Order card for free". Cashback tier cost, https://www.zeal.app/learn/gnosis-pay-explained (fetched 28 September 2026, dated 20 November 2025): "0.1 to 1 GNO (~€10-110): 0.5-1% cashback", "5.5 GNO (~€605): 2.5% cashback", "Currently, one GNO token costs around €100-110." ZEAL PUBLISHES NO FEE SCHEDULE, although its terms (https://www.zeal.app/terms-and-conditions/, "Last updated: 19 February 2026") say "Fees applicable to the Services or any component of the Services, if any, shall be set forth at zeal.app and/or the Zeal Wallet mobile application." The ATM fee is delegated by link to https://help.gnosispay.com/en/articles/8663251-fees-and-limits, which still returned HTTP 404 on 28 September 2026.
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 Zeal's 5/10 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.

Zeal

49#8 of 9
Pick it when
Pick Zeal if card reliability matters most — it scores 5/10 to MetaMask Card's 4/10 there (weight 26).
Strength
Whose licence issues it — 6/10
Tradeoff
The buyer cannot find out what an ATM withdrawal costs before signing up, and Zeal's own footnote sends them to a dead page to find out. 'Other fees and charges from Gnosis Pay, such as ATM withdrawal fees, may apply as per their documentation' links to https://help.gnosispay.com/en/articles/8663251-fees-and-limits, which returned HTTP 404 on 2026-08-17. The FX headline is genuinely good — Zeal adds no markup and names the Visa rate it sits on — but that is the one leg it prices. Everything else about the cost of this card (ATM percentage, ATM flat fee, free allowance, physical card price) is left to someone else's documentation, and the fees article Zeal links to for it returned HTTP 404 again on 2026-09-28.
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 5/10 for Zeal (weight 33)
  • Tax on spending: 6/10 against 2/10 for Zeal (weight 20)
Zeal

Choose Zeal if card reliability matters most

  • Card reliability: 5/10 against 4/10 for MetaMask Card (weight 26)
  • Named issuer: 6/10 against 5/10 for MetaMask Card (weight 21)
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 1 of 10weight 7.9 of 86MetaMask Card leads
MetaMask Card6 out of 10
Zeal5 out of 10

Card reliability

by 1 of 10weight 6.2 of 86Zeal leads
MetaMask Card4 out of 10
Zeal5 out of 10

Named issuer

by 1 of 10weight 5 of 86Zeal leads
MetaMask Card5 out of 10
Zeal6 out of 10

Tax on spending

by 4 of 10weight 4.8 of 86MetaMask Card leads
MetaMask Card6 out of 10
Zeal2 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 Card12/20Zeal6/20
MetaMask Card leads
Published criteriaweight 30 of 86
MetaMask Card12.6/30Zeal11.1/30
MetaMask Card leads
Frictionweight 10 of 86 · constant here
MetaMask Card2.7/10Zeal2.7/10
Tie
Trust recordweight 8 of 86 · constant here
MetaMask Card3.2/8Zeal3.2/8
Tie
Measured dataweight 18 of 86 · constant here
MetaMask Card8.3/18Zeal8.3/18
Tie
Decision rulePublished order

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

Pick Zeal if card reliability matters most — it scores 5/10 to MetaMask Card's 4/10 there (weight 26).

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, Zeal 6/10)
    Scored by Does buying a coffee create a taxable disposal, and will they hand me the record? · 20% (MetaMask Card 6/10, Zeal 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, Zeal 5/10)
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 20 points above Zeal, led by cost abroad and tax on spending. Published scores, out of 100: MetaMask Card 69 (rank 4 of 9 crypto cards), Zeal 49 (rank 8 of 9).

Related pages

Go deeper

Trust & process
Individual reviews
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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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