The Bleap Card earns 1-20% USDC cashback on a Mastercard debit card with no annual fee, available in EEA + Switzerland.
Bleap is a non-custodial stablecoin payments app and Mastercard-issued debit card built on Arbitrum, founded in 2023 by former Revolut employees Joao Alves and Guilherme Gomes. The company is incorporated in the UK with operations registered as a Virtual Asset Service Provider in Poland, and raised a $2.3 million pre-seed round in 2024 led by Ethereal Ventures, the venture firm of ConsenSys founder Joe Lubin.
The Bleap Card is a crypto debit card offered by Bleap, available in EEA + Switzerland. It offers 1-20% USDC cashback across 3 reward tiers, giving users the ability to earn higher rates as they increase their commitment. There is no annual fee to hold this card.
It is a strong fit for privacy-conscious users who want to keep custody of their keys while spending. Its cashback rate sits in the top tier among crypto cards we track. It runs on the Mastercard 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 |
|---|---|---|
| Everything Else | 1% | All other purchases |
| Rides & Food Delivery | 3% | Uber, Bolt, Uber Eats, Deliveroo, Just Eat, Bolt Food, Glovo, EUR 500/mo cap |
| Streaming/AI/Gaming | 20% | Netflix, Disney+, Amazon Prime, ChatGPT, Claude, Gemini, Xbox, PlayStation, Nintendo Switch, YouTube Premium, Deezer (per-merchant caps apply) |
The card itself creates no payment or e-money account. Separately, where available, users can request a Dedicated IBAN provided by Monerium that mints e-money tokens to the linked wallet; Monerium may require the first inbound payment to come from an account in the user's own name.
Compare IBAN and transfer capability across cards in our crypto cards with IBAN guide.
On $500/mo spend, the estimated monthly cost breakdown for Bleap Card is: gas $0.04, conversion spread $0.00, flat/FX fees $0.00, and amortised card/tier fee $0.00, for a total drag of 0% of spend. After $5.00/mo cashback that nets a gain of about $4.96/mo ($59.52/yr). Because Bleap Card is loaded on-chain, frequent small top-ups add gas cost: a daily-spender profile pays about $0.80/mo in gas versus $0.04/mo for a single monthly load, so total drag runs 0.2% with daily reloads versus 0% with a monthly reload. Figures are conservative estimates and vary with conditions.
Bleap is a genuinely fee-light, self-custodial stablecoin card for European spenders who want neobank ergonomics without giving up custody. It runs on a non-custodial wallet with email-based recovery and no seed phrases, spends straight from your on-chain balance (funded by crypto or bank transfer), and settles on Mastercard rather than Visa. The fee story is the real draw: Bleap's card page advertises no issuance cost, no monthly or maintenance fees, zero FX markups, and free ATM withdrawals, though its cardholder terms note that transaction limits live in the app, so check there before relying on any specific ceiling.
The headline 20% cashback on streaming, AI, and gaming subscriptions is real and paid in USDC directly to your on-chain balance, which is unusual among self-custody cards (Gnosis Pay, EtherFi, Ready). Read it as a subscription perk rather than a spending-wide rate: it applies to a defined merchant list, Bleap's own blog cautions that rates vary by merchant, and eligibility is governed by cardholder terms that can change. Everyday spend earns a 1% base; the live cashback page also lists 2% on restaurants and supermarkets and 3% on rides and food delivery, though Bleap's February 2026 announcement described the restaurant and supermarket boost as a promotion running through 31 May 2026, so verify current category rates in the app.
Who it suits: EEA and Switzerland residents (per Bleap's cardholder terms) who subscribe to the boosted merchants and want a zero-fee, self-custody daily driver. What to watch: this is a small, young operation still building a track record. Independent user feedback is too thin to establish payout reliability, and at least one early reviewer reported advertised cashback not arriving, so treat the rewards as a bonus rather than a guarantee until a real review corpus exists.
Independent user feedback is too sparse to draw firm conclusions, which is itself the finding for a product this young. The one concrete complaint on record is a third-party listing review from February 2025 titled "Cashback does not work as advertised", in which a user reported cashback not being received after card purchases; that predates Bleap's February 2026 cashback restructure but remains the most direct reliability signal available [1]. No substantial Reddit thread corpus or app-store review base specific to the card had surfaced as of this research, so decline rates, KYC turnaround, and payout reliability remain under-documented from independent users.
Sources: [1]
Updated 2026-07-06
Note: Zero ALL fees. Category-based cashback upgraded Feb 13, 2026: 1% base on all purchases, 3% rides & food delivery (EUR 500/mo cap), 20% streaming/AI/gaming (per-merchant caps). Restaurant/supermarket 2% promo ended May 31, 2026 — reverted to 1% base. Free ATM up to EUR 400/mo. LATAM expansion: Mexico active, Brazil/Colombia/Peru rolling out. ~20K+ users. Cards are issued by Unlimit EU Ltd (Cyprus) and settle by direct-debit mandate against the user's non-custodial Bleap wallet. A restricted-nationality list applies regardless of residence.
Other crypto cards in the same region or category that may suit your spending profile:
The Bleap Card is a crypto debit card offered by Bleap. It is available in EEA + Switzerland and allows users to spend cryptocurrency at merchants worldwide.
The Bleap Card offers 1-20% USDC cashback. There are 3 tiers: Everything Else (1%), Rides & Food Delivery (3%), Streaming/AI/Gaming (20%).
The Bleap Card has an annual fee of $0. Additional fees: Conversion fee: 0%; FX fee: 0%; ATM: Free up to EUR 400/mo; Top-up: 0%.
Top-up methods include On-chain crypto deposit (self-custodial balance), Bank transfer.
Yes. Bleap requires standard identity verification (KYC), typically a government-issued ID, during signup.
The Bleap Card is available in EEA + Switzerland.
The Bleap Card is a debit card. You need to load cryptocurrency onto the card before making purchases.
Yes, the Bleap Card is a non-custodial (self-custody) card. This means you retain control of your private keys and your crypto is not held by a third party. Funds are only converted at the point of sale, reducing counterparty risk compared to custodial alternatives.
Yes, the Bleap Card supports Apple Pay and Google Pay for contactless payments.
The Bleap Card is issued by Unlimit EU Ltd. Licences: EMI (licence 115.1.3.7/2018) (Central Bank of Cyprus, EEA).
Yes, the Bleap platform provides a personal IBAN in the user's name. Capabilities: receiving third-party transfers: yes; sending transfers to third parties: yes. The card itself creates no payment or e-money account. Separately, where available, users can request a Dedicated IBAN provided by Monerium that mints e-money tokens to the linked wallet; Monerium may require the first inbound payment to come from an account in the user's own name.
No customer e-money balance is held by Unlimit or Bleap in connection with card usage; transactions involve only transient processing flows.
Want to see your annual earnings? Use the ROI Calculator to estimate net cashback at your spending level, or compare cards side by side.