TLDR
- MetaMask Card hits 49 states, adds New York; Vermont still excluded.
- Spend straight from your wallet: assets stay onchain until checkout time.
- Apple Pay, Google Pay, or virtual card options make payments seamless.
- Cross River issues; Monavate powers rails; Mastercard network handles reach.
- Rewards: up to 1% back in mUSD, or 3% with the $199 Metal Card tier.
MetaMask expanded its payments reach as Consensys confirmed the national rollout of its new Mastercard-powered crypto card. The launch introduced a self-custodial model that allows users to keep full asset control until payment. The program also entered New York for the first time and widened real-world access to on-chain balances.
MetaMask Card Expands U.S. Access
Consensys activated the MetaMask Card nationwide after completing earlier test programs in 2024 and 2025. The rollout brought the product to 49 states and included New York for the first time. Vermont remained outside the program while additional regions prepare for future inclusion.
The card connects MetaMask wallets to regulated payment rails and supports online and in-store spending. Users can pay through Apple Pay, Google Pay, or a virtual card issued at approval. The system processes crypto conversion during checkout and maintains a familiar card experience.
The product uses Mastercard’s global infrastructure and integrates with compliant intermediaries. Cross River Bank issues the card and completes required regulatory checks. Monavate supplies supporting technology and links the wallet to merchant networks.
Self-Custody Model and Conversion Features
The MetaMask Card operates through a fully self-custodial framework and keeps assets onchain until purchase. Users retain wallet control and do not pre-load funds into external accounts. The card then authorizes a transaction and converts assets instantly.
The model differs from traditional crypto cards and aims to simplify direct spending. Transactions use a streamlined approval flow that mirrors standard debit behavior. The system supports broad token use and handles real-time settlement.
The card also aligns onchain balances with everyday payments. Assets remain under user control until conversion occurs. This approach enables direct spending without relying on exchange accounts.
Rewards Structure and Metal Card Subscription
MetaMask added an onchain rewards layer that transforms card usage into redeemable points. Standard cardholders earn up to 1 percent back in mUSD. Metal Card subscribers earn up to 3 percent back on the first $10,000 spent each year.
The Metal Card requires a $199 annual subscription and includes higher limits. It offers no foreign transaction fees and supports wider ATM access. It also provides a premium physical design linked to the digital wallet.
Users can redeem rewards for specific ecosystem perks and gain access to new programs. The card integrates with platforms like Aave to support earnings on selected balances. More regions will join the program as MetaMask expands its global payments reach.
