The Hyperbeat Card earns 0.2-1% WHYPE cashback on a Visa credit card with no annual fee, available in Americas/APAC/Africa/Europe (35 US states).
Hyperbeat is a crypto "liquid banking" app built around the Hyperliquid ecosystem, operated by Zoeion Ltd Corporation. Its Visa Signature card is issued by Third National under a licence from Visa, and spends either the user's USD balance (Cash Mode) or a variable-APR loan against crypto collateral (Credit Mode).
The Hyperbeat Card is a crypto credit card offered by Hyperbeat, available in Americas/APAC/Africa/Europe (35 US states). It offers 0.2-1% WHYPE cashback across 8 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 spenders who want a true credit line rather than a pre-funded crypto debit card. Note that collateral is subject to liquidation risk. It runs on the Visa network and requires full identity verification.
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| Tier | Rate | Requirement |
|---|---|---|
| Base | 0.2% | No requirement: 0.2% on all card spend, no deposit or minimum |
| One booster | 0.4% | Hold $1,000 in USD/USD+ (Holder booster) or spend $1,000 on the card in the last 30 days (Spender booster) |
| All four boosters | 1% | Hold $10,000 in USD/USD+ (Holder and Holdmaxxer boosters) and spend $10,000 on the card in the last 30 days (Spender and Spendmaxxer boosters); each booster adds 0.2% |
| Trading 1M | 3% | Trade 1M USD of volume in the last 30 days; the 3% rate covers up to 3,300 USD of card spend, spend above that earns the everyday rate |
| Trading 5M | 5% | Trade 5M USD of volume in the last 30 days; the 5% rate covers up to 10,000 USD of card spend |
| Trading 10M | 8% | Trade 10M USD of volume in the last 30 days; the 8% rate covers up to 12,500 USD of card spend |
| Trading 25M | 10% | Trade 25M USD of volume in the last 30 days; the 10% rate covers up to 25,000 USD of card spend |
| Trading 50M+ | 12% | Trade 50M USD or more of volume in the last 30 days; the 12% rate covers up to 41,700 USD of card spend |
On $500/mo spend, the estimated monthly cost breakdown for Hyperbeat Card is: gas $0.00, conversion spread $7.50, flat/FX fees $0.00, and amortised card/tier fee $0.00, for a total drag of 1.5% of spend. After $1.00/mo cashback that is still a net cost of about $6.50/mo ($78.00/yr). Hyperbeat Card tops up from a centralized balance, so there is no on-chain gas cost regardless of how often you reload. Figures are conservative estimates and vary with conditions.
Note: Visa Signature card with two spending modes: Cash Mode spends the user's USD balance with no interest, Credit Mode borrows at a variable APR (no grace period) against collateral held in the user's Hyperbeat account (UBTC, UETH, USOL, WHYPE, beHYPE, XAUT, USD+ at 40-75% LTV, liquidation at 62.5%). Cashback is paid in WHYPE within 48 hours of the transaction clearing and works identically in both modes. The everyday rate is 0.2% base plus four +0.2% boosters (hold $1K, hold $10K, spend $1K in 30 days, spend $10K in 30 days) for a maximum of 1%. Heavy Hyperliquid traders instead earn 3-12% on rolling 30-day trading volume from 1M to 50M+ USD, each level capped at a spend amount; the user earns the higher of the trading and everyday rates, never both. The current booster and trading-volume system dates from August 2026. FX 0.4-1%, ATM $1 + 0.65%, $0.60 per ATM balance inquiry or decline, $100,000 default monthly spend limit that cannot be raised. Virtual cards are free (up to 20 active); a physical metal card is waitlist-only. GAPS: no official page states an annual fee, so $0 rests on the free-account sign-up and third-party coverage (KuCoin, paymentscan); the supported-country list names "Europe" without a breakdown, contains the typo "Wyomington", and lists Wisconsin as both supported and excluded; the fees article still says 5 virtual cards while the newer issuance article says 20.
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The Hyperbeat Card is a crypto credit card offered by Hyperbeat. It is available in Americas/APAC/Africa/Europe (35 US states) and allows users to spend cryptocurrency at merchants worldwide.
The Hyperbeat Card offers 0.2-1% WHYPE cashback on everyday spend: Base (0.2%), One booster (0.4%), All four boosters (1%). Higher rates of up to 12% apply only with extra requirements: Trading 1M (3%), Trading 5M (5%), Trading 10M (8%), Trading 25M (10%), Trading 50M+ (12%).
The Hyperbeat Card has an annual fee of $0. Additional fees: FX fee: 0.4-1%; ATM: $1+0.65% ($0.60 balance inquiry or decline).
The Hyperbeat Card has the following limits: monthly spending limit: $100,000/mo default (cannot be raised). Limits can vary by account tier and verification level.
Supported assets include USD+, UBTC, UETH, USOL, WHYPE, beHYPE, XAUT; top-up methods include USD balance in the Hyperbeat account (Cash Mode), Borrowing against crypto collateral in the Hyperbeat account (Credit Mode).
Yes. The Hyperbeat Card requires full identity verification (KYC): expect to submit a government-issued ID, and often proof of address, before the card is issued.
The Hyperbeat Card is available in Americas/APAC/Africa/Europe (35 US states).
The Hyperbeat Card is a true credit card, meaning you can make purchases on credit rather than needing to pre-fund the card with cryptocurrency.
The Hyperbeat Card is issued by Third National.
Want to see your annual earnings? Use the ROI Calculator to estimate net cashback at your spending level, or compare cards side by side.