BoursoBank
BoursoBank Metal Visa
BoursoBank Metal Visa is a premium French Visa bank card offer with cashback on eligible card payments, free and unlimited foreign-currency payments and withdrawals, travel insurance and assistance benefits, virtual cards, mobile wallet support, and premium banking features. It is best described as a premium Visa card with immediate or deferred debit options, not a traditional revolving credit card.
Highlights
Main benefits
- 0.20% cashback on eligible euro payments
- 2.00% cashback on eligible foreign-currency payments
- Free and unlimited foreign-currency payments
- Free and unlimited foreign-currency withdrawals
- Premium Visa Metal card offer from BoursoBank
- Physical recycled metal card option
- Lower-cost dematerialized card option
- Immediate debit option available
- Deferred debit option for eligible customers
- Virtual cards for safer online payments
- Apple Pay, Google Pay, Samsung Pay and Garmin Pay support
- Travel insurance and assistance benefits
- Foreign medical expense cover may be included under insurance terms
- Baggage delay, baggage loss and transport delay protections may be included
- Rental vehicle cover may be included under insurance terms
- Bourso Protect Plus may be included with the Metal offer
- Priority phone customer support may be included
- Useful for international travel and online banking
Fees
Fees and charges
Joining fee
€0 card joining fee; BoursoBank account opening and first deposit conditions may apply
Renewal fee
€9.90/month for physical Metal card; €5.90/month for dematerialized Metal card
Annual fee waiver
No standard annual fee waiver publicly highlighted.
The card is normally a paid monthly subscription.
Who can apply
Eligibility
- Applicant should be eligible to open a BoursoBank individual bank account in France
- Immediate debit Metal card is generally more accessible than deferred debit
- Deferred debit may require account history, income, or asset conditions
- Identity verification and electronic contract signing are required
- Eligibility is subject to BoursoBank approval and latest terms
Checklist
Documents required
- Valid official identity document
- Selfie or identity verification through the BoursoBank app
- Existing bank account/RIB details in the applicant’s name when requested
- Personal details and contact information
- Additional proof may be requested by BoursoBank depending on applicant profile
Process
How to apply
1. Visit the BoursoBank website or open the BoursoBank mobile app
2. Choose the Metal card offer
3. Enter personal details and select the preferred card format, physical or dematerialized
4. Choose immediate debit or deferred debit if eligible
5. Upload or scan the required identity documents
6. Complete identity verification and sign the contract electronically
7. Make the first deposit if requested by BoursoBank
8. Activate the card and add it to a supported mobile wallet if needed
Value
Reward and cashback structure
Reward rate
0.20% cashback on eligible euro payments
2.00% cashback on eligible foreign-currency payments
Cashback is capped monthly as per issuer terms
Cashback
20% cashback on eligible payments in euros, capped at €20/month.
00% cashback on eligible payments in foreign currencies, capped at €20/month.
Cashback applies according to BoursoBank eligibility and offer terms.
Good fit
Pros
- Real cashback-style benefit, uncommon in France
- Higher cashback rate on foreign-currency purchases
- No foreign payment fees advertised
- No foreign withdrawal fees advertised
- Good premium travel card for French users
- Strong digital banking experience
- Virtual cards are useful for online shopping
- Works with major mobile wallets
- Dematerialized version costs less than physical Metal
- Travel insurance and assistance benefits add value
- Good option for users who travel outside the eurozone
Watchouts
Cons
- Paid monthly subscription
- Euro cashback rate is low compared with US-style cashback cards
- Cashback is capped monthly
- Not a traditional revolving credit card
- Lounge access is not standard unlimited lounge access
- Deferred debit eligibility may require higher income or assets
- Best benefits depend on BoursoBank account usage and latest terms
- Welcome offers and insurance conditions can change over time
Related
Related cards
Comparer les cartes
Comparer les cartes
| Field | BoursoBank Metal Visa | American Express Gold France |
|---|---|---|
| Bank/provider | BoursoBank | American Express |
| Frais d'adhésion |
| €0 first-year fee |
| Frais de renouvellement |
| €192/year from the second year |
| Best for |
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| Taux de récompense |
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| Cashback |
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| Accès aux salons |
|
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| Exonération de surcharge carburant | No specific fuel surcharge waiver publicly highlighted | Not available |
| Avantage de bienvenue |
|
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| Exonération des frais annuels |
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| Éligibilité |
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| Lien de demande | Faire une demande | Faire une demande |