MetaMask has officially launched its Mastercard-powered MetaMask Card across the United States, marking a major step in bringing self-custodial crypto spending into mainstream financial life. Until now limited to pilot programs in select regions, the card is now available in 49 states — including New York for the first time — with Vermont as the sole exception.
Built by Consensys in partnership with Mastercard and issued through FDIC-insured Cross River Bank, the MetaMask Card leverages Mastercard’s global payments infrastructure to enable users to spend their crypto directly at over 150 million merchant locations around the world, online or in-store. The card also supports integration with Apple Pay and Google Pay for seamless contactless payments.
Self-Custody First: How It Works
A standout feature of the MetaMask Card is its fully self-custodial model. Unlike many existing crypto payment cards that require funds to be pre-deposited into custodial platforms, MetaMask keeps users’ assets in their own wallets up until the transaction is processed. When a purchase is made, the necessary crypto is converted at the point of sale, letting users retain full control of their private keys until payment.
This approach is designed to merge blockchain security with everyday use, effectively letting users treat on-chain assets like regular money while maintaining decentralization principles. MetaMask product lead Gal Eldar described the vision as “erasing the line between blockchain payments and traditional financial infrastructure.”
Rewards, Premium Tier & Benefits
MetaMask has also unveiled a premium version of the card — the MetaMask Metal Card — priced at $199 per year. This tier offers a polished physical card and enhanced rewards: standard cardholders can earn up to 1 % back in MetaMask’s native stablecoin mUSD, while Metal subscribers can collect up to 3 % back on the first $10,000 spent annually.
Other perks include flexible use via virtual card, high spending limits, and integrations with DeFi protocols like Aave, which can let users earn on unspent balances — blending yield opportunities with traditional payment functionality.
A Step Forward for On-Chain Spending
The U.S. rollout follows pilot phases in the U.K. and European Union that began in 2024. By leveraging Mastercard’s network and maintaining a self-custodial design, the MetaMask Card aims to differentiate itself from custodial debit offerings while making crypto more utilitarian — from coffee shops to online retailers — without moving funds off-chain prematurely.
As adoption grows, this release could signal a broader shift in how crypto wallets interact with everyday commerce, blurring the line between on-chain control and off-chain spending freedom.
