E Money Card Review (2026)

Reviewed by Card Pilled Editorial · Last verified 2026-05-09

Key Facts

Cashback

2% crypto

Annual Fee

$99 one-time

Region

150+ countries

Type

Credit

Network

Mastercard

KYC

standard

Mobile Pay

Apple Pay, Google Pay

Overview

E Money Network is a MiCA-oriented modular Layer 1 blockchain with built-in compliance modules (KYC, KYB, KYT), focused on real-world-asset tokenization. Consumer products include a multichain wallet and the E Money Card, a Mastercard-network crypto card; the project rebranded from Scallop in early 2024 and announced a $5 million Series A in January 2025 co-led by Animoca Brands.

The E Money Card is a crypto credit card offered by E Money Network, available in 150+ countries. It offers 2% crypto cashback rewards on purchases. The annual fee starts at $99 one-time.

It is a strong fit for privacy-conscious users who want to keep custody of their keys while spending. It runs on the Mastercard network and requires standard identity verification.

Fees & Costs

FX Fee

0%

Cashback Tiers

E Money Card cashback tiers and requirements

Tier	Rate	Requirement
Flat Rate	2%	$99 one-time card fee (USDT/USDC)

Pros

• Earns 2% crypto cashback on purchases
• Self-custody - you control your private keys
• Wide availability across 150+ countries
• True credit card - no need to pre-fund with crypto
• Supports Apple Pay and Google Pay

Cons

• Annual fee of $99 one-time may reduce net returns

Note: Rebranded from Scallop (July 2025). Non-custodial Mastercard credit card. 2% crypto rewards on all purchases. $99 one-time fee (USDT/USDC). No FX fees. Supports ETH/BNB/Solana chains. MiCA-compliant. Card listed as live in E Money Network FAQ (Mastercard accepted worldwide). Limited independent third-party verification of cardholder volume.

Similar Cards

Other crypto cards in the same region or category that may suit your spending profile:

• Plasma One Card by Plasma - Up to 3% XPL cashback, $0 fee, 150+ countries
• RedotPay by RedotPay - 0% cashback, $10 virtual / $100 physical fee, 150+ countries
• XPlace Card by XPlace - 0.5-2% USDC + XP cashback, $0-$5,000/yr fee, Global
• Wirex Card by Wirex - 0.5-8% WXT cashback, $0-$29.99/mo fee, 150+ countries
• KAST Card by KAST - 1-6% Points (+ 4% MOVE) cashback, $0-$10,000/yr fee, 150+ countries
• CoinZoom Card by CoinZoom - 0.5-5% ZOOM cashback, $0 fee, 150+ countries (NOT EU residents)
• Tria Card by Tria - 1.5-6% USD cashback, $0 (one-time fee) fee, 150+ countries
• Exa Card by Exa Labs (Exactly Protocol) - 0% cashback, $0 fee, 180+ countries

FAQ

What is the E Money Card?

The E Money Card is a crypto credit card offered by E Money Network. It is available in 150+ countries and allows users to spend cryptocurrency at merchants worldwide.

How much cashback does the E Money Card offer?

The E Money Card offers 2% crypto cashback.

What are the fees for the E Money Card?

The E Money Card has an annual fee of $99 one-time. Additional fees: FX fee: 0%.

Where is the E Money Card available?

The E Money Card is available in 150+ countries. Its availability status is "Global".

Is the E Money Card a credit or debit card?

The E Money Card is a true credit card, meaning you can make purchases on credit rather than needing to pre-fund the card with cryptocurrency.

Is the E Money Card a non-custodial card?

Yes, the E Money 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.

Does the E Money Card support Apple Pay or Google Pay?

Yes, the E Money Card supports Apple Pay and Google Pay for contactless payments.

Visit E Money Network

Want to see your annual earnings? Use the ROI Calculator to estimate net cashback at your spending level.