The Gluon Card is a Visa credit card with no annual fee, available in Global (excl. 17 countries).
Gluon is a stablecoin wallet and card app from GL Worldwide Limited. Its card is a Visa credit card issued by Third National and secured by digital-asset collateral posted from the user's linked wallet, which neither Gluon nor the issuer holds in custody.
The Gluon Card is a crypto credit card offered by Gluon (GL Worldwide Limited), available in Global (excl. 17 countries). 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. Note that collateral is subject to liquidation risk. It runs on the Visa network and requires full 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 the US guide. See where it ranks among the best crypto credit cards.
| Tier | Rate | Requirement |
|---|---|---|
| Standard | 0% | No cashback programme is published on any Gluon page |
On $500/mo spend, the estimated monthly cost breakdown for Gluon Card is: gas $0.50, conversion spread $0.00, flat transaction fees $0.00, and amortised card/tier fee $0.00, for a total drag of 0.1% of spend. After $0.00/mo cashback that is still a net cost of about $0.50/mo ($6.00/yr). Because Gluon Card is loaded on-chain, frequent small top-ups add gas cost: a daily-spender profile pays about $10.00/mo in gas versus $0.50/mo for a single monthly load, so total drag runs 2% with daily reloads versus 0.1% with a monthly reload. This card bills in USD. Spending in another currency adds a 1.5% FX fee; these figures do not include it. Figures are conservative estimates and vary with conditions.
Note: Collateralised Visa credit card: purchases are secured by digital-asset collateral of equal USD value in the linked wallet (Ethereum, Polygon, Optimism and Arbitrum per the terms), 0% purchase APR, and under the international terms any balance unpaid after one calendar day triggers liquidation of collateral (the US terms allow longer). FEES (gluon.money card FAQ and international card terms, read 2026-10-08): no monthly charge, virtual cards free, foreign exchange fee (non-USD) 1.5%, cross-border fee $0.30, late payment up to $40, returned payment up to $29 per the fee table ($35 in the body text); the US terms list no annual fee and a cash advance fee of $1 + 0.65%. Physical cards ship in about 2-3 weeks; their price is not stated. Apple Pay and Google Pay supported. KYC: government-issued ID and a selfie. VERIFICATION GAPS: the supported collateral tokens are not listed; the physical card fee is not published.
Other crypto cards in the same region or category that may suit your spending profile:
The Gluon Card is a crypto credit card offered by Gluon (GL Worldwide Limited). It is available in Global (excl. 17 countries) and allows users to spend cryptocurrency at merchants worldwide.
The Gluon Card has an annual fee of $0. Additional fees: FX fee: 1.5% non-USD, plus $0.30 cross-border; ATM: Cash advance $1 + 0.65% (US terms).
Top-up methods include Collateral posted from a linked non-custodial wallet; crypto deposits are supported on Ethereum, Polygon, Optimism, Arbitrum.
Yes. The Gluon Card requires full identity verification (KYC): expect to submit a government-issued ID, and often proof of address, before the card is issued.
The Gluon Card is available in Global (excl. 17 countries).
The Gluon Card is a true credit card, meaning you can make purchases on credit rather than needing to pre-fund the card with cryptocurrency.
Yes, the Gluon 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 Gluon Card supports Apple Pay and Google Pay for contactless payments.
The Gluon Card is issued by Third National.
Visit Gluon (GL Worldwide Limited)
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