MetaMask Card Expands Across the United States
Self-custodial wallet MetaMask has officially rolled out its Mastercard-powered crypto payment card in the United States, bringing the product to 49 states for the first time - including New York.
MetaMask’s parent company, Consensys, confirmed the nationwide availability following pilot programs conducted in 2024 and 2025. Vermont remains the only state where the card is not yet available.
The launch significantly expands access to the MetaMask Card, which had previously been introduced in markets such as Argentina, Brazil, Canada, the European Economic Area, Mexico, Switzerland, and the United Kingdom.
Mastercard Partnership Brings Global Reach
The card operates on Mastercard’s global payments network and works at roughly 150 million merchants worldwide, both online and in-store. It also supports Apple Pay and Google Pay integration.
The card is issued by Cross River Bank, an FDIC-insured institution, and developed in partnership with regulated issuer Monavate (formerly Baanx).
Full Self-Custody Until Checkout
A defining feature of the MetaMask Card is its self-custodial structure. Unlike many traditional crypto debit cards that require users to pre-load funds onto centralized exchanges, the MetaMask Card allows users to maintain control of their assets until the moment of payment.
This design reinforces MetaMask’s core philosophy of user-owned crypto, reducing counterparty risk while enabling real-world spending. Funds are converted at the point of transaction rather than held by a third-party intermediary in advance.
Virtual and Metal Card Options
By default, the MetaMask Card is issued as a virtual card. However, users can opt for the MetaMask Metal Card, a physical version linked to the same wallet.
The Metal Card carries a $199 annual subscription fee and offers added benefits, including 3% cashback on the first $10,000 spent each year, no foreign transaction fees, and higher ATM withdrawal and spending limits.
The dual-card structure reflects an effort to balance accessibility with premium functionality.
Mastercard’s Growing Crypto Push
The launch underscores Mastercard’s expanding footprint in digital assets. In 2024, the company ran its first debit card pilot with MetaMask, and in 2025 it deepened its partnership with Circle, enabling settlement using USDC and EURC for acquirers in parts of Eastern Europe, the Middle East, and Africa.
At the time, Mastercard executive Dimitrios Dosis said the company’s strategy is to “integrate stablecoins into the financial mainstream” by investing in infrastructure and partnerships that support the shift from fiat to tokenized money.
Crypto Spending Goes Mainstream
With its US-wide rollout, the MetaMask Card represents a step toward bridging self-custody wallets and everyday consumer spending. The ability to maintain asset control while paying at traditional merchants could appeal to crypto users wary of centralized exchanges.
As digital assets continue integrating into payment systems, products like the MetaMask Card suggest that crypto spending is evolving beyond niche adoption - and moving closer to mainstream financial rails.
