MetaMask Card vs Plutus Card
MetaMask Card scores 11/16, Plutus Card scores 4/16 on the CBL Card Score. Here is every criterion side by side.
 MetaMask Card |  Plutus Card | |
|---|---|---|
| Custody | 2 of 2 | 1 of 2 |
| Issuer and licence | 2 of 2 | 0 of 2 |
| Availability | 0 of 2 | 0 of 2 |
| FX fee on a foreign-currency purchase | 1 of 2 | 0 of 2 |
| Funding cost | 1 of 2 | 1 of 2 |
| Apple Pay and Google Pay | 2 of 2 | 1 of 2 |
| Freeze and dispute policy | 1 of 2 | 1 of 2 |
| Yield on idle balance | 2 of 2 | 0 of 2 |
| Total | 11 | 4 |
The short verdict: MetaMask Card leads overall (11 to 4). Self-custodial; spends straight from your wallet, mastercard rate plus 1% cross-border fee FX. Health: Watch. Check each profile for what still needs confirming before deciding.
Cashback, as of 20 Oct 2026
| MetaMask Card | 1% back in mUSD on eligible card transactions for the Virtual card; 3% for Metal on the first $10,000 spent, then 1% (official, metamask.io/card, checked 20 Oct 2026). The Money Account page states 3% on Metal without the cap. Paid to the Money Account as mUSD. Dining: 5X $FLY via Blackbird on Virtual, 7X on Metal (official, card FAQ). |
| Plutus Card | 3% on eligible card spend on every plan, rising to 9% through PLU stake levels (official, plutus.it/rewards and plutus.it/plans, checked 20 Oct 2026). Eligible spend is capped at £/€250, 500 or 1,000 a month by plan (official, fees page). Rewards are now called PLUS and accrue as in-app points while card spending is paused (official, Q1 migration FAQ, 20 Feb 2026). The top rate needs 40,000 PLU staked (third-party: SpendNode, 24 Jul 2026). |
Cashback is shown as a dated fact and never scored.