MetaMask Launches Mastercard-Backed Crypto Card Across 49 U.S. States

MetaMask has rolled out its Mastercard-backed crypto payment card across nearly the entire United States, including New York for the first time.

Parent company Consensys announced the nationwide expansion on Thursday, confirming that the MetaMask Card is now available in 49 states, with Vermont as the only exception.

According to a company spokesperson, this marks the first time the product has achieved near-complete U.S. coverage. In particular, the addition of New York is notable, as it opens access in one of the country’s most tightly regulated financial markets.

The broad release follows pilot programs conducted in 2024 and 2025, which helped refine the product ahead of its full-scale launch.

Key Points

• The MetaMask Card is now live in 49 U.S. states, with only Vermont excluded.
• New York access marks the first time the card is available in one of the nation’s strictest crypto regulatory markets.
• The card enables direct crypto spending from self-custodied wallets without pre-funding custodial accounts.
• It operates on Mastercard’s network and is accepted at roughly 150 million merchants worldwide.
• The rollout follows U.S. pilot programs in 2024 and 2025 that prepared the product for nationwide launch.

Nationwide Rollout Strengthens Global Footprint

The U.S. expansion builds on the MetaMask Card’s growing international presence. Previously, the company launched the card in Argentina, Canada, Brazil, Mexico, the European Economic Area, the United Kingdom, and Switzerland. It also plans to expand to additional regions in the near future.

The card operates on Mastercard’s global payments network, granting access to approximately 150 million merchants worldwide. This includes both online platforms and brick-and-mortar establishments. It is also compatible with Google Pay and Apple Pay, enabling mobile wallet integration.

Sherri Haymond, Mastercard’s global head of digital commercialization, said the partnership reflects Mastercard’s broader objective of enabling secure crypto spending wherever its network is accepted.

Self-Custody at the Core

A defining feature of the MetaMask Card is its self-custody structure. Users maintain control of their digital assets in their wallets until a transaction occurs.

According to the company, many crypto-linked cards require customers to transfer funds to custodial accounts before spending. In contrast, the MetaMask Card allows assets to remain in the user’s wallet until payment is made.

The card is issued by Cross River Bank, an FDIC-insured U.S. institution, and was developed in partnership with regulated issuer Monavate, formerly known as Baanx.

Card Options and Subscription Model

By default, the MetaMask Card is provided as a virtual card. However, customers can also opt for the MetaMask Metal Card, which offers a physical version.

Specifically, the Metal Card carries a $199 annual subscription fee. According to the company, subscribers can get 3% cash back on purchases totaling up to $10,000 each year. Other benefits include no foreign transaction fees and higher spending and ATM withdrawal limits.

Part of Mastercard’s Broader Crypto Push

The latest rollout also aligns with Mastercard’s wider digital asset strategy. In 2024, the company launched its inaugural debit card pilot in collaboration with MetaMask, setting the stage for the broader national rollout that followed.

Subsequently, in August 2025, Mastercard strengthened its alliance with Circle, the issuer behind USDC. The agreement enabled acquirers across select regions in the Middle East, Eastern Europe, and Africa to settle transactions using USDC and EURC.

At the time, Mastercard executive Dimitrios Dosis said the company aims to bring stablecoins into mainstream finance through infrastructure and strategic partnerships.