The Kredete Card is a Visa credit card with no annual fee, available in Africa (50+ countries).
Kredete is a Nigerian fintech startup founded in 2023 specializing in cross-border payments and credit access using stablecoin infrastructure. The company has raised $24.75 million in total funding and serves over 4.6 million users with $9 billion in annualized payment volume. In partnership with Visa, Stellar, and Rain, Kredete launched Africa's first stablecoin-backed credit card.
The Kredete Card is a crypto credit card offered by Kredete, available in Africa (50+ countries). 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. It runs on the Visa network and requires full identity verification.
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On $500/mo spend, the estimated monthly cost breakdown for Kredete 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 $0.00/mo cashback that is still a net cost of about $7.50/mo ($90.00/yr). Kredete 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.
| Tier | Rate | Requirement |
|---|---|---|
| Standard | 0% | No cashback announced; value prop is low-cost cross-border stablecoin payments |
Note: Africa's first stablecoin-backed credit card, co-developed with Visa and Stellar. USDC-settled with real-time FX conversion at point of purchase. Available across 50+ African countries at 150M+ Visa merchants globally. Currently live in Gambia, Ghana, Guinea, India, Kenya, Malawi, Mauritius, Morocco, Mozambique, Niger, Nigeria. Also offers remittance and credit-building tools (each transaction contributes to user's credit score). Recognized at Visa Africa Fintech Accelerator Demo Day (GITEX Africa, April 2026). Actively expanding to UAE, Saudi Arabia, and Oman (GCC). Specific cashback and fee tiers not publicly disclosed; primary value prop is eliminating high FX fees for African cross-border payments. 4.6M users, $9B annualized payment volume. Raised $24.75M total ($2.25M seed + $22M Series A).
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The Kredete Card is a crypto credit card offered by Kredete. It is available in Africa (50+ countries) and allows users to spend cryptocurrency at merchants worldwide.
The Kredete Card has an annual fee of $0. Note: Africa's first stablecoin-backed credit card, co-developed with Visa and Stellar. USDC-settled with real-time FX conversion at point of purchase. Available across 50+ African countries at 150M+ Visa merchants globally. Currently live in Gambia, Ghana, Guinea, India, Kenya, Malawi, Mauritius, Morocco, Mozambique, Niger, Nigeria. Also offers remittance and credit-building tools (each transaction contributes to user's credit score). Recognized at Visa Africa Fintech Accelerator Demo Day (GITEX Africa, April 2026). Actively expanding to UAE, Saudi Arabia, and Oman (GCC). Specific cashback and fee tiers not publicly disclosed; primary value prop is eliminating high FX fees for African cross-border payments. 4.6M users, $9B annualized payment volume. Raised $24.75M total ($2.25M seed + $22M Series A).
The Kredete Card is available in Africa (50+ countries). Its availability status is "50+ African countries (GCC expansion planned)".
The Kredete Card is a true credit card, meaning you can make purchases on credit rather than needing to pre-fund the card with cryptocurrency.
Want to see your annual earnings? Use the ROI Calculator to estimate net cashback at your spending level, or compare cards side by side.