MetaMask and Mastercard have officially launched the MetaMask Card in the United States, marking a significant step in integrating cryptocurrency spending into everyday commerce.
New MetaMask and Mastercard allow users to spend cryptocurrencies
The announcement follows successful pilot programs in Europe and the UK and now brings the self-custodial crypto payment card to 49 US states, including New York for the first time.
The MetaMask Card connects users’ self-custodial digital assets to traditional payments infrastructure, allowing holders to spend cryptocurrencies directly from their wallets anywhere Mastercard is accepted, online or in physical stores, without the need to pre-load balances on custodial accounts.
Users maintain full control of their funds all the way to the point of sale, where conversion and payment occur seamlessly.
“We designed MetaMask Card to make crypto disappear. Not disappear, but integrate so seamlessly into everyday life that the boundary between onchain and offchain completely disappears,” said Gal Eldar, Product Manager at MetaMask.
Issued by FDIC-insured Cross River Bank and powered by Mastercard’s global network with technology from Monavate (formerly Baanx), the card works with Apple Pay and Google Pay, making it compatible with contactless digital wallets. This rollout follows a year-long trial in the United States that began in late 2024, with broader access now available nationwide.
A key feature of the program is on-chain rewards: standard MetaMask cardholders earn up to 1% back in MetaMask stablecoin mUSD on their purchases, while premium MetaMask Metal subscribers, available for an annual fee of $199, can earn up to 3% back on the first $10,000 spent each year, as well as additional travel and spending benefits.
The launch represents a strategic effort to integrate decentralized finance into traditional payment pathways, making the use of crypto more intuitive for everyday purchases while preserving the principles of self-preservation at the heart of Web3.
It also positions MetaMask alongside other crypto-native payment cards, expanding the real-world utility of crypto.