Consensys has expanded the MetaMask Card to all 50 U.S. states, including New York for the first time, following a year-long domestic pilot and an earlier rollout in the EU and U.K. that began in August 2024.
The Mastercard-backed card lets users spend crypto directly from a self-custodial wallet, keeping assets under personal control until the moment of purchase.
The card is issued through Cross River Bank and supported by Monavate - formerly Baanx - and is accepted at over 150 million merchant locations worldwide.
It supports Apple Pay and Google Pay for contactless payments. Supported assets include USDC, USDT, and wrapped ETH held on Linea, Consensys's Ethereum layer-2 network.
How It Works
Unlike exchange-issued crypto cards that require users to pre-deposit funds on a third-party platform, the MetaMask Card converts holdings at point of sale without the user transferring custody beforehand.
Users must complete identity verification and compliance checks to enroll.
Standard cardholders earn up to 1% back in mUSD - MetaMask's Ethereum-based stablecoin issued via Stripe's infrastructure - on purchases.
Unspent balances can also generate yield through integrations with DeFi protocols including Aave, where users holding aUSDC can earn returns passively.
The Premium Tier
Alongside the nationwide rollout, Consensys launched the MetaMask Metal Card at $199 per year.
It offers up to 3% cashback on the first $10,000 in annual spending, no foreign transaction fees, higher ATM and spending limits, and travel discounts through a partner called Entravel.
Standard cards cap cashback at 1% with no premium access tier.
Competitive Context
The MetaMask Card enters a crowded field. Coinbase and Crypto.com both offer Visa-network debit cards, though both require users to hold funds on the issuer's platform.
MetaMask's self-custody approach is its primary point of differentiation, though that also means users bear custody risk entirely themselves - a trade-off the platform does not prominently highlight.
New York's inclusion is commercially significant. The state has historically required additional licensing hurdles for crypto product launches, and prior versions of the card were explicitly unavailable to New York residents.
The card is now also available in Argentina, Brazil, Canada, Colombia, Mexico and Switzerland, with additional markets planned.