MetaMask launches U.S. crypto card with Mastercard, offering on-chain rewards, self-custody control, metal tier benefits, and nationwide spending access.
MetaMask has partnered with Mastercard to launch a new crypto payment card in U.S.. The card offers on-chain rewards and supports everyday spending. Therefore, users can now pay with digital assets with more ease in the country.
The launch is the result of a pilot first launched at ETHDenver 2025. After positive feedback, the card is now available throughout the country. Of interest is the fact that New York residents have access to the card for the first time.
The future begins NOW.
MetaMask Card is now live in the United States. 🇺🇲
— MetaMask 🦊 (@MetaMask) February 26, 2026
MetaMask also launched MetaMask Metal Card, a premium card. The metal one is $199 for the year and features enhanced physical features. In addition, it has the advantage of higher reward rates and ecosystem exclusive benefits.
How the MetaMask Card Works
The MetaMask Card is a way to connect self-custodied digital assets to the regulated payments systems. Users have full control of their crypto until they make a purchase. As a result, money is kept in their wallet for the payment moment.
Unlike many of the traditional crypto cards, this product is completely self-custodial. Most crypto cards have the user load funds to the exchanges beforehand. However, MetaMask enables spending directly from the wallet without moving assets prior to doing so.
The card works via fintech company Baanx, which is now operating under the name of Monavate. It is issued by Cross River Bank and is operated on Mastercard’s global network. Therefore, it can be used anywhere where Mastercard is accepted.
Cardholders can pay online, in stores or using mobile wallets. The card is supported by Apple Pay and Google Pay integration. As a result, payments are similar to regular debit card transactions.
Enrollment requires identity and compliance checks. These procedures are in line with the US financial regulations. Therefore, the program upholds the regulatory standards but facilitates crypto spending.
MetaMask claimed the intention is to make crypto payments easier. According to Product Lead Gal Eldar, the company is interested in getting crypto to integrate seamlessly into everyday life. As a result, users can spend digital assets without going through complicated steps.
Rewards, Security, and Merchant Reach
The MetaMask Card includes an on-chain rewards program. Standard cardholders receive up to 1% back in mUSD. In addition, metal cardholders get as much as 3% back on the first $10,000 they spend per year.
In addition, users can earn rewards on unspent balances. This feature works by its integration with decentralized finance platforms like Aave. Therefore, holding such tokens as aUSDC can create additional benefits.
The card is accepted at over 150 million merchant locations in the world. Because it is based on the network of Mastercard, the coverage is both online and in physical stores. Consequently, crypto payments become highly accessible.
Security remains a central focus of the product. The metal card has a contactless technology and advanced safety features. These include Mastercard ID Theft Protection, Zero Liability protection and Price Protection benefits.
Furthermore, Mastercard Digital First technology makes access almost instantaneous upon approval. Users can add the card in their mobile wallets instantly. Therefore, spending may commence soon after enrollment.
Global Expansion and Industry Impact
The U.S. launch makes MetaMask Card availability much broader. Formerly, the card was available in Argentina, Brazil, Canada, Colombia, Mexico, Switzerland, United Kingdom and countries of the European Economic Area. Now, the U.S. joins that growing list.
This rollout is in line with the greater vision of Consensys, which is the company behind MetaMask. The goal is to connect the traditional finance and on-chain systems worldwide. Therefore, the card is a step towards the mainstreaming of crypto.
Importantly, the product makes spending of crypto easy, but keeps user custody. People often want to keep direct control of their digital assets. Consequently, the self-custodial structure may have an appeal to experienced crypto holders.
At the same time, regulatory compliance is at the centre of the design. Identity checks and banking partnerships stem to ensure the adherence of the financial laws in the United States. As a result, there is a balance between innovation and oversight on the card.
The addition of a metal subscription tier is also indicative of competition in the premium fintech space. Higher rewards and exclusive access features target frequent users. Therefore, MetaMask stands beside the major brands involved in the digital finance segment.
All in all, the MetaMask Card is a major milestone in crypto payments. It has self-custody, regulated infrastructure and reward incentives all in one product. Consequently, everyday spending on cryptocurrencies may become more practical and accepted in the United States.