MetaMask Mastercard Goes Live in US With On-Chain Rewards, Even In New York

MetaMask has partnered with Mastercard to launch a new payment card program in the United States that links spending to on-chain rewards. The rollout includes a Virtual Card users can start with immediately and a MetaMask Metal Card available for pre-order. 

The card is also available to New York residents, a notable inclusion given the state’s tighter posture toward crypto-linked financial products.

MetaMask says the Metal Card offers 3% cashback on the first $10,000 of spend, zero foreign transaction fees, and additional benefits tied to a new rewards program.

US Residents Can Now Earn On-Chain Points Via Mastercard

MetaMask’s new rewards layer turns everyday activity—transfers, transactions, and card spending—into points. 

Users can redeem those points for ecosystem perks such as discounts, token allocations, and early access opportunities.

Unlike older crypto card models that often rely on holding funds on an exchange, MetaMask frames this card as an extension of a self-custody wallet experience. Users manage assets through MetaMask, while the card lets them pay through Mastercard’s merchant network.

The launch highlights how wallet providers now compete directly in payments. Crypto products are using rewards to keep users inside their ecosystem rather than pushing them toward centralized platforms.

At the same time, the model still depends on intermediaries. Users should also consider practical frictions: crypto-to-fiat conversion at checkout can create taxable events, and fees, limits, eligible tokens, and network support can shape the real value of “cashback” in day-to-day use.

MetaMask’s card push lands as major payment networks and fintech partners race to make stablecoins and on-chain balances spendable at mainstream merchants.