MetaMask and Mastercard have officially launched the MetaMask Card across all 50 U.S. states, including New York for the first time, marking a significant step in connecting self-custodied digital assets with mainstream payment infrastructure.
Nationwide Availability and New York Entry
Following a pilot unveiled at ETHDenver 2025, the MetaMask Card is now available to residents across the entire United States. New York, previously excluded due to regulatory complexities, is now part of the rollout. This expansion reflects the product's compliance progress and growing acceptance of crypto payments in heavily regulated markets.
Metal Tier and Onchain Rewards
The launch introduces a premium Metal card priced at $199 annually, featuring enhanced physical design and higher cashback rewards. Standard cardholders earn up to 1% back in mUSD, while Metal cardholders earn up to 3% on the first $10,000 spent annually. All rewards are distributed onchain directly to users' MetaMask wallets.
Unspent balances can earn yield through integrations with DeFi protocols like Aave, allowing users to benefit from decentralized finance without leaving the payment experience.
Technical Infrastructure and Security
Powered by Baanx (rebranded as Monavate) and issued by Cross River Bank, the card operates on Mastercard's global payments network. It is accepted at over 150 million merchants worldwide, supporting online, in-store, and mobile wallet payments via Apple Pay and Google Pay.
Unlike traditional crypto cards that require pre-funding custodial accounts, the MetaMask Card is truly self-custodial. Users retain full control of their assets until the moment of purchase, when a streamlined authorization process converts the required crypto amount to fiat for settlement. Security features include Mastercard ID Theft Protection, Zero Liability protection, and Price Protection. Approved users can instantly access the card via Mastercard Digital First technology and add it to digital wallets.
Global Reach and Real-World Use
The MetaMask Card is already live in Argentina, Brazil, Canada, Colombia, European Economic Area countries, Mexico, Switzerland, and the United Kingdom, with additional markets planned. Gal Eldar, Product Lead at MetaMask, emphasized the vision: “We designed MetaMask Card to make crypto disappear. Not go away, but become so seamlessly woven into daily life that the line between onchain and offchain fades away entirely.” Users have already used the card for everything from coffee to major life events, demonstrating practical utility.
Sherri Haymond, global head of digital commercialization at Mastercard, stated that the partnership reflects a shared commitment to bridging DeFi with traditional payments, enabling secure crypto spending wherever Mastercard is accepted.