The Bitstack Card earns 0.1-1.5% BTC cashback on a Visa debit card with no annual fee, available in France (EU).
Bitstack is a French Bitcoin savings app founded in 2021 by Alexandre Roubaud and Kabir Sethi, headquartered in Paris, that lets European users round up everyday card purchases and convert the spare change into Bitcoin. In December 2025, Bitstack raised $15 million to expand its Bitcoin savings product across Europe.
The Bitstack Card is a crypto debit card offered by Bitstack, available in France (EU). It offers 0.1-1.5% BTC cashback across 6 reward tiers, giving users the ability to earn higher rates as they increase their commitment. There is no annual fee to hold this card.
Best suited for Bitcoin holders who want to stack sats on everyday spending. It runs on the Visa network and requires standard identity verification.
New to crypto cards? Read our complete buyer's guide to understand fees, rewards, and how to choose. Concerned about privacy? See our KYC vs non-KYC comparison. Compare more options in our best crypto cards in Europe guide. See where it ranks among the best crypto debit cards.
| Tier | Rate | Requirement |
|---|---|---|
| Base Stackback | 0.1% | All card holders, no conditions and no activation required, uncapped |
| Tier 1 | 1% | EUR 60-99 in automatic savings (Recurring Buys and Round-Ups) executed the previous month; applies to the first EUR 200 spent that month, then reverts to 0.1% |
| Tier 2 | 1% | EUR 100-199 in automatic savings the previous month; first EUR 350 spent, then 0.1% |
| Tier 3 | 1% | EUR 200-399 in automatic savings the previous month; first EUR 700 spent, then 0.1% |
| Tier 4 | 1% | EUR 400+ in automatic savings the previous month; first EUR 1,500 spent, then 0.1% |
| Plus | 1.5% | Bitstack Plus subscription (EUR 2.99/mo or EUR 30/yr); Stackback starts at 0.15% and goes up to 1.5% on the first EUR 1,500 spent with EUR 400+ in automatic savings the previous month (the lower savings bands use the EUR 200 / 350 / 700 windows of Tiers 1-3), then 0.15% |
On $500/mo spend, the estimated monthly cost breakdown for Bitstack Card is: gas $0.00, conversion spread $0.00, flat transaction fees $0.00, and amortised card/tier fee $0.00, for a total drag of 0% of spend. After $1.00/mo cashback that nets a gain of about $1.00/mo ($12.00/yr). Bitstack Card tops up from a centralized balance, so there is no on-chain gas cost regardless of how often you reload. This card bills in EUR. Spending in another currency adds a 1% FX fee; these figures do not include it. Figures are conservative estimates and vary with conditions.
Note: Beta launched Jan 13, 2026 for 5K waitlist users. The Bitstack app is available in 20 European countries (Austria, Belgium, Croatia, Cyprus, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Monaco, Netherlands, Portugal, Spain, Switzerland) per Bitstack help center, but the card is not: "The Bitstack card is currently available exclusively to residents of France" (help centre article dated July 21, 2026). First French Visa with BTC cashback ('Stackback'): up to 1% BTC on the free Standard plan and up to 1.5% with Bitstack Plus (EUR 2.99/mo or EUR 30/yr), which also raises the international card payment limit from EUR 1,000 to EUR 3,000 a month. Bitstack's help centre indicates the full 1% rate requires an active recurring bitcoin savings plan, with a lower base rate without one, hence 'up to 1%'; the base rate is confirmed at 0.1% on Standard and 0.15% on Plus ("With Bitstack Plus, your Stackback starts at 0.15% and can go up to 1.5%"). The card is physical only for now (a virtual card is planned); production starts the next day and delivery takes up to 10 business days. Limits: EUR 5,000 of card spend a month, and ATM withdrawals of EUR 200 a week (EUR 1,000 a month). $15M Series A raised Dec 2025. MiCA licence approved by France's AMF (Jun 30, 2025).
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The Bitstack Card is a crypto debit card offered by Bitstack. It is available in France (EU) and allows users to spend cryptocurrency at merchants worldwide.
The Bitstack Card offers 0.1-1.5% BTC cashback. There are 6 tiers: Base Stackback (0.1%), Tier 1 (1%), Tier 2 (1%), Tier 3 (1%), Tier 4 (1%), Plus (1.5%).
The Bitstack Card has an annual fee of $0. Additional fees: Conversion fee: 0% on round-ups (EUR-funded); FX fee: Free up to €1,000/mo; ~1% over; ATM: Free up to €200/mo or 5 withdrawals; then min €1 or 1%; Top-up: SEPA free; card/Apple/Google Pay funding 0.70%.
The Bitstack Card has the following limits: monthly spending limit: EUR 5,000; daily ATM withdrawal limit: EUR 200 per week (EUR 1,000 per month). Limits can vary by account tier and verification level.
Yes. Bitstack requires standard identity verification (KYC), typically a government-issued ID, during signup.
The Bitstack Card is available in France (EU).
The Bitstack Card is a debit card. You need to load cryptocurrency onto the card before making purchases.
Want to see your annual earnings? Use the ROI Calculator to estimate net cashback at your spending level, or compare cards side by side.