Spend straight from your wallet: MetaMask debit card goes live across the U.S.

MetaMask and Mastercard have officially launched the MetaMask Card across the United States, marking a significant step in bringing cryptocurrency spending into everyday commerce.

Summary

• MetaMask and Mastercard begin offering the self-custodial MetaMask Card in 49 states, including New York.
• Users spend directly from their wallets, with up to 1% back in mUSD for standard users and up to 3% for premium members.
• The card works at over 150 million Mastercard merchants and supports Apple Pay and Google Pay.

New MetaMask and Mastercard card lets users spend crypto

The announcement follows successful pilot programs in Europe and the UK, and now brings the self-custodial crypto payment card to 49 U.S. states, including New York for the first time.

The MetaMask Card connects users’ self-custodied digital assets to traditional payment infrastructure, allowing holders to spend crypto directly from their wallets anywhere Mastercard is accepted, online or in physical stores, without needing to pre-load balances onto custodial accounts.

Users retain full control of their funds until the point of sale, where conversion and payment happen seamlessly.

“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,” said Gal Eldar, Product Lead 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. The rollout follows a year-long U.S. trial that began in late 2024, with broader access now available nationwide.

A key feature of the program is on-chain rewards: standard MetaMask Card holders earn up to 1% back in MetaMask’s stablecoin mUSD on purchases, while premium MetaMask Metal subscribers, available for a $199 annual fee, can earn up to 3% back on the first $10,000 spent each year alongside additional travel and spending benefits.

The launch represents a strategic effort to integrate decentralized finance into traditional payment rails, making crypto use more intuitive for everyday purchases while preserving self-custody principles at the heart of Web3.

It also positions MetaMask alongside other crypto-native payment cards, expanding crypto’s real-world utility.