MetaMask Card only takes residents of a limited country list, and new sign-ups are paused in some countries, so for many readers Tria is the one they can actually get. Pick MetaMask Card if you want to spend from a wallet or vault you control instead of a balance held for you and you want the lower entry cost ($0 vs $20 in the first year). Pick Tria if you live in Japan (Japan is not on Tria's restricted list; MetaMask Card does not accept Japan residents) and you want the higher entry-tier cashback (1.5% vs 1%).
Key differences
- MetaMask Card is self-custodial (you spend from your own wallet or vault); Tria is a self-custody wallet with a separate card balance you top up.
- Who can apply differs. MetaMask Card: Residents of 45 countries on metamask.io/card (48 in the help center, adding the UK, Bahrain and Oman); US and UK sign-ups are temporarily closed. Tria: Card support in 150+ countries per Tria's card article; the full list is the country dropdown in the app, and Tria's Prohibited Use Policy names the excluded places.
- Entry cost in the first year: $0 for MetaMask Card (Virtual) and $20 for Tria (Lite), counting the annual fee and any virtual card fee.
- Entry-tier cashback: 1% in mUSD for MetaMask Card, 1.5% in USDT for Tria.
- Paying in a non-USD currency costs 1–1.5% with MetaMask Card and 0–4% with Tria (FX plus any conversion fee).
- MetaMask Card's entry card can withdraw cash at ATMs; Tria needs a paid physical card or higher tier for ATM cash.
The two cards
MetaMask Card vs Tria side by side
Entry-tier terms unless a row says otherwise. Where an issuer does not publish a figure, the cell says so instead of estimating.
| Check | MetaMask Card | Tria Card |
|---|---|---|
| Card network | Mastercard debit card Source: MetaMask Card official page, MetaMask: What is MetaMask Card? · checked 2026-10-01 | Visa Source: Tria: What are Tria Cards? · checked 2026-10-01 |
| Custody | Self-custodial: tokens stay in your MetaMask wallet until a purchase converts them at the point of sale Source: MetaMask: What is MetaMask Card? · checked 2026-10-01 | Self-custodial wallet, but card purchases are paid from a separate card balance you top up from the wallet Source: Tria Card top-up guide, Tria: What are Tria Cards? · checked 2026-10-01 |
| Issuer | Not published: not named on the MetaMask pages we checked Source: MetaMask: What is MetaMask Card? · checked 2026-10-01 | Third National under the U.S. Card Terms; Nimbus, LLC under the International Card Terms Source: Tria U.S. Card Terms, Tria International Card Terms · checked 2026-10-01 |
| Who can apply | Residents of 45 countries on metamask.io/card (48 in the help center, adding the UK, Bahrain and Oman); US and UK sign-ups are temporarily closed Source: MetaMask Card official page, MetaMask: What is MetaMask Card? · checked 2026-10-01 | Card support in 150+ countries per Tria's card article; the full list is the country dropdown in the app, and Tria's Prohibited Use Policy names the excluded places Source: Tria: What are Tria Cards?, Tria: KYC and supported countries, Tria Prohibited Use Policy · checked 2026-10-01 |
| Japan | Japan is not on either official country list; waitlist only Source: MetaMask Card official page, MetaMask: What is MetaMask Card? · checked 2026-10-01 | Japan is not on Tria's Prohibited Use Policy, and Tria's ATM article names Japanese ATM networks (Seven Bank, E-net, Lawson Bank, Japan Post Bank, AEON Bank) for Pro and Max cards; confirm Japan in the app's country dropdown Source: Tria Prohibited Use Policy, Tria: ATM withdrawals · checked 2026-10-01 |
| Annual or membership fee | Virtual $0; Metal $199 a year, but Metal is closed to new users (orders paused since 2026-06-02) Source: MetaMask Card limits and fees, MetaMask: Metal card · checked 2026-10-01 | Lite $20 a year (the free Virtual offer ended on 2026-09-26); Pro $109 and Max $250 a year in the card terms Source: Tria Memberships: Lite, Pro, Max, Tria International Card Terms · checked 2026-10-01 |
| Card fee | Virtual card free; no physical card for new users while Metal is paused Source: MetaMask Card limits and fees, MetaMask: Metal card · checked 2026-10-01 | Lite is digital only; Pro includes a plastic and Max a metal physical card (card terms list the issue fee equal to the annual fee) Source: Tria Memberships: Lite, Pro, Max, Tria International Card Terms · checked 2026-10-01 |
| FX and conversion | 1% cross-border fee when the merchant is outside your country; token fee: none for a stablecoin in your or the merchant's local currency, 0.5% for a stablecoin in a third currency, 0.875% for other crypto such as wETH Source: MetaMask Card limits and fees · checked 2026-10-01 | Tria's help center says zero Tria FX fees (Visa conversion still applies); the International Card Terms allow up to 3% FX plus up to 1% on international transactions Source: Tria: What are Tria Cards?, Tria International Card Terms · checked 2026-10-01 |
| Funding | No separate top-up: supported tokens are spent straight from the wallet; network gas is small (MetaMask cites about $0.01 on Linea) Source: MetaMask Card limits and fees, MetaMask: What is MetaMask Card? · checked 2026-10-01 | Top up from 1,000+ tokens; no direct Tria deposit fee, but a provider fee can apply to swaps or bridging; minimum $10 for most tokens Source: Tria Card top-up guide, Tria: provider fees · checked 2026-10-01 |
| Cashback | 1% back in mUSD on the Virtual card (Metal advertises 3% on the first $10,000 a year but is closed to new users) Source: MetaMask Card official page, MetaMask: mUSD · checked 2026-10-01 | Lite 1.5% on the first $1,000 a month, then 0.5%; Pro 4.5% and Max 6% up to their monthly caps; paid in USDT Source: Tria Memberships: Lite, Pro, Max, Tria card cashback terms · checked 2026-10-01 |
| ATM | 2% on the Virtual card; $1,000 per transaction and $1,000 a day Source: MetaMask Card limits and fees · checked 2026-10-01 | Not available on Lite; Pro and Max pay $1 + 1% per withdrawal, up to $750 each and 3 withdrawals in 24 hours Source: Tria: ATM withdrawals · checked 2026-10-01 |
| Apple Pay / Google Pay | Apple Pay and Google Pay on the Virtual card Source: MetaMask Card official page, MetaMask Card limits and fees · checked 2026-10-01 | Apple Pay and Google Pay where supported Source: Tria: What are Tria Cards? · checked 2026-10-01 |
Worked example: $1,000 a month in a non-USD currency
Same assumptions for both cards: entry tier, $1,000 of eligible card spending a month at a merchant charging in a currency other than US dollars, paid from a US-dollar stablecoin balance. The figures are our arithmetic from the rows above, not issuer quotes; reward tokens are valued at the moment they are paid.
| Per month | MetaMask Card | Tria |
|---|---|---|
| Entry tier | Virtual | Lite |
| Fixed cost, first year | $0 | $20 |
| FX and conversion on $1,000 | $10.00–$15.00 | $0.00–$40.00 |
| Cashback on $1,000 | $10.00 in mUSD | $15.00 in USDT |
| Cashback minus FX | -$5.00 to $0.00 | -$25.00 to +$15.00 |
Who should pick which
- You want to spend from a wallet or vault you control instead of a balance held for you
- You want the lower entry cost ($0 vs $20 in the first year)
- You need ATM cash without buying a physical card or paid tier
- Residents of MetaMask's listed countries who want to spend straight from their own wallet Source: MetaMask: What is MetaMask Card? · checked 2026-10-01
- Spending a stablecoin in your own currency at local merchants, where no token fee applies Source: MetaMask Card limits and fees · checked 2026-10-01
- Not open in Japan, the US or the UK for new sign-ups Source: MetaMask Card official page, MetaMask: What is MetaMask Card? · checked 2026-10-01
- Foreign merchants add a 1% cross-border fee, which can cancel the 1% mUSD back Source: MetaMask Card limits and fees · checked 2026-10-01
- You live in Japan (Japan is not on Tria's restricted list; MetaMask Card does not accept Japan residents)
- You live outside MetaMask Card's short list of supported countries
- You want the higher entry-tier cashback (1.5% vs 1%)
- Self-custody users who want to top up from many tokens rather than only stablecoins Source: Tria Card top-up guide · checked 2026-10-01
- Steady monthly spenders who can use the higher Pro or Max rates inside their caps Source: Tria Memberships: Lite, Pro, Max · checked 2026-10-01
- The entry Lite tier now costs $20 a year and cannot withdraw cash Source: Tria Memberships: Lite, Pro, Max, Tria: ATM withdrawals · checked 2026-10-01
- In August 2026 a flaw at card issuer Rain affected 636 users' card balances; Tria refunded them in full plus 10%, so keep only near-term spending on the card Source: Tria on X: card-balance refunds completed plus 10% · checked 2026-10-01
Japan note
- MetaMask Card: Japan is not on either official country list; waitlist only Source: MetaMask Card official page, MetaMask: What is MetaMask Card? · checked 2026-10-01
- Tria: Japan is not on Tria's Prohibited Use Policy, and Tria's ATM article names Japanese ATM networks (Seven Bank, E-net, Lawson Bank, Japan Post Bank, AEON Bank) for Pro and Max cards; confirm Japan in the app's country dropdown Source: Tria Prohibited Use Policy, Tria: ATM withdrawals · checked 2026-10-01
Paying with a card in Japan is not the same as being able to open one as a Japan resident. Select your real country of residence in the app and stop if it is not offered.
Next step
Check the country screen, the fee preview and a small first payment in the app before moving a larger balance.
The MetaMask Card and Tria buttons are our referral links; we may earn a commission at no cost to you, and it does not change the facts on this page.FAQ
MetaMask Card or Tria: which should I choose?
Pick MetaMask Card if you want to spend from a wallet or vault you control instead of a balance held for you; or you want the lower entry cost ($0 vs $20 in the first year); or you need ATM cash without buying a physical card or paid tier. Pick Tria if you live in Japan (Japan is not on Tria's restricted list; MetaMask Card does not accept Japan residents); or you live outside MetaMask Card's short list of supported countries; or you want the higher entry-tier cashback (1.5% vs 1%).
Can I get MetaMask Card or Tria in Japan?
MetaMask Card: Japan is not on either official country list; waitlist only (checked 2026-10-01). Tria: Japan is not on Tria's Prohibited Use Policy, and Tria's ATM article names Japanese ATM networks (Seven Bank, E-net, Lawson Bank, Japan Post Bank, AEON Bank) for Pro and Max cards; confirm Japan in the app's country dropdown (checked 2026-10-01). The issuer's app decides in the end, so check the country screen before you fund either card.
Which costs less, MetaMask Card or Tria?
MetaMask Card: Virtual $0; Metal $199 a year, but Metal is closed to new users (orders paused since 2026-06-02); Virtual card free; no physical card for new users while Metal is paused; FX: 1% cross-border fee when the merchant is outside your country; token fee: none for a stablecoin in your or the merchant's local currency, 0.5% for a stablecoin in a third currency, 0.875% for other crypto such as wETH. Tria: Lite $20 a year (the free Virtual offer ended on 2026-09-26); Pro $109 and Max $250 a year in the card terms; Lite is digital only; Pro includes a plastic and Max a metal physical card (card terms list the issue fee equal to the annual fee); FX: Tria's help center says zero Tria FX fees (Visa conversion still applies); the International Card Terms allow up to 3% FX plus up to 1% on international transactions.
How does MetaMask Card cashback compare with Tria?
MetaMask Card: 1% back in mUSD on the Virtual card (Metal advertises 3% on the first $10,000 a year but is closed to new users) (checked 2026-10-01). Tria: Lite 1.5% on the first $1,000 a month, then 0.5%; Pro 4.5% and Max 6% up to their monthly caps; paid in USDT (checked 2026-10-01).
Is MetaMask Card or Tria self-custodial?
MetaMask Card: Self-custodial: tokens stay in your MetaMask wallet until a purchase converts them at the point of sale (checked 2026-10-01). Tria: Self-custodial wallet, but card purchases are paid from a separate card balance you top up from the wallet (checked 2026-10-01).
Official sources checked
Each table row shows its own source and check date; facts on this page were last checked on 2026-10-01. Terms change, so treat the issuer's app as the final word before applying or funding.