MetaMask Card Goes Live in the U.S.

Background on MetaMask and Mastercard crypto payments

MetaMask, developed by Consensys, is one of the most widely used self-custodial wallets in crypto, serving more than 30 million users interacting with Ethereum-based assets and decentralized applications. Over time, it has evolved into a mobile-first platform supporting DeFi, token swaps, and onchain identity tools.

The MetaMask Card initiative builds on pilots launched in Europe and the United Kingdom in 2024, followed by expansions across Latin America and additional global markets. These pilots tested real-world crypto spending without custodial intermediaries and helped refine the product for a broader rollout.

Mastercard has expanded its Web3 strategy through partnerships connecting blockchain wallets to global payment rails. The inclusion of New York in this launch signals growing regulatory clarity for crypto-linked financial products under stricter licensing frameworks.

MetaMask Card goes live across the United States

The MetaMask Card goes live across 49 U.S. states, enabling eligible users to pay using crypto directly from their MetaMask wallet. The card supports Apple Pay, Google Pay, and physical tap payments, removing the need for preloaded balances.

Transactions are executed at the moment of payment, converting supported crypto assets into fiat while maintaining user custody until settlement. The card is issued by Cross River Bank and facilitated by Monavate, connecting decentralized assets to traditional payment infrastructure.

Supported assets include USDC, USDT, wETH, mUSD, and tokenized balances such as aUSDC, with conversions handled through the Linea network for efficiency.

How the MetaMask Card works for crypto spending

The MetaMask Card links directly to a user’s wallet, ensuring funds remain self-custodied until a transaction is made. At checkout, the required crypto amount is converted instantly into fiat without manual transfers or intermediary custody.

Users manage the card through the MetaMask mobile app, where they can track spending, monitor balances, and manage rewards. Virtual cards are available instantly, while a premium physical Metal card can be pre-ordered.

This structure reduces friction compared to earlier crypto debit cards that required custodial deposits before spending.

Features, rewards, and security protections

The card includes cashback rewards and spending benefits comparable to traditional debit products. Standard users receive 1% cashback in mUSD, while the Metal tier offers 3% cashback on the first $10,000 spent annually, then 1% thereafter.

The Metal card removes foreign transaction fees and offers travel-related benefits such as hotel discounts. Unspent balances can earn yield through integrations with DeFi protocols like Aave, depending on the asset held.

Daily limits are set at $15,000 for virtual cards and $30,000 for Metal cards, with ATM withdrawals capped between $1,000 and $5,000. Mastercard protections include zero-liability coverage, identity theft monitoring, and purchase protection.