Ok, I called the dealer. They will sell me the key for $40, charge $6 to cut it, then $60 to program it! That's $106 before tax. I poked around on the web some, and found these instructions for programming a key "onboard," meaning, just using the car & the master key:
FOR 2002+
1.Make sure all doors and windows are closed.
2.Insert master key into the ignition cylinder.
3.Cycle the ignition cylinder from ON to OFF 5 times.
4.Open and close the driver side door 6 times.
5.Remove the master key and insert the new duplicate key.
6.DO NOT TURN THE IGNITION CYLINDER ON
7.The new key will be registered after 60 seconds.The THEFT light on the
dashboard will go out,indicating that programming has been completed.
"some 2002 will work using the 1998+ programming."
I don't think my car has a "theft" light though. I've never looked at least. There were instructions for pre-2002 cars also. This is the link I found:
http://www.automotivehelper.com/topic177789.htm You'll have to scroll down a bit to find it.
These instructions were for a Sienna or Avalon - not sure if they are the same for the Matrix? I have the black master key. I'm tempted to buy the blank from the dealer, have it cut elsewhere, then try this programming myself before paying them the $60 to do so.
Does anybody have any experience with this to know if it works? I looked on Ebay for an '04 key but didn't find one. Could only find '03 keys.
Thanks