The THORWallet Mastercard earns 0-0.5% USDC cashback on a Mastercard debit card with a $0 (one-off card fee: Basic $5, free with invite; Premium $124, $99 with invite) fee, available in 175+ countries (incl. US).
THORWallet is a non-custodial cross-chain DeFi wallet built on top of THORChain, developed by DeFi Suisse AG, a Swiss company founded by CEO Marcel Harmann and headquartered in Schwyz, Switzerland. The wallet is designed for native cross-chain swaps using THORChain liquidity.
The THORWallet Mastercard is a crypto debit card offered by THORWallet, available in 175+ countries (incl. US). It offers 0-0.5% USDC cashback across 3 reward tiers, giving users the ability to earn higher rates as they increase their commitment. The annual fee starts at $0 (one-off card fee: Basic $5, free with invite; Premium $124, $99 with invite).
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 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 debit cards.
| Tier | Rate | Requirement |
|---|---|---|
| Basic | 0% | Free with an invite code, otherwise $5 one-off. 1.5% card FX, 0% top-up, $100,000 monthly limit |
| Premium | 0.5% | $99 one-off with an invite code, otherwise $124, no subscription. 0.5% USDC cashback on the first $5,000 of card spend per month in the first year, then on the first $2,000 a month (higher cap kept with TITN; see note). 1.5% card FX, 0% top-up, $1,000,000 monthly limit |
| Swiss IBAN | 0% | Free forever, no card fee and no subscription. 1% card FX, 0.25-1% top-up, limits up to $10,000,000 monthly |
On $500/mo spend, the estimated monthly cost breakdown for THORWallet Mastercard is: gas $0.00, conversion spread $0.00, flat transaction fees $0.00, and amortised card/tier fee $0.00, for a total drag of 0% of spend. After $0.00/mo cashback that nets a gain of about $0.00/mo ($0.00/yr). THORWallet Mastercard tops up from a centralized balance, so there is no on-chain gas cost regardless of how often you 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: Swiss IBAN (CHF/EUR/USD/RMB). TITN token launched July 2025 (merged from TGT). TITN staking pays USDC from DeFi swap revenue sharing (50%, rising to 70% post-token-tradability); this is protocol revenue, NOT card-spend cashback. Card FX (thorwallet.org/cards): 1.5% on Basic and Premium, 1% on Swiss IBAN, on top of network rates. Premium ($99 with an invite code, otherwise $124 one-off) pays 0.5% USDC cashback on the first $5,000 of monthly card spend in the first year, funded from the card's FX margin; THORWallet's FAQ says the cashback-eligible cap then drops to $2,000 a month unless you stake TITN, while the card page still shows only the $5,000 figure. Unblock partnership (Apr 30, 2026) expanded card access to 175+ countries. TITN airdrop ended Apr 25, 2026. The card page (read 2026-10-01) says the card is accepted in 175+ countries including the US; an earlier exclusion of the US, China and Russia came from the older FAQ. TIER RESTRUCTURE (2026-08-27): the tiers above come from thorwallet.org/cards and replace the ETH-priced Standard, Gold and Platinum structure previously recorded. ATM withdrawals are now supported at $1 domestic and $5 international on Basic and Premium. THORWallet's FAQ card page now carries the same Basic and Premium plans and says the new THORWallet Card is separate from the existing THORWallet Mastercard and IBAN product; the older ETH-priced tiers belong to that Fiat24-backed IBAN Mastercard. The roughly 70% TITN fee rebate is a revenue share, not an APY or APR, and not card cashback.
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The THORWallet Mastercard is a crypto debit card offered by THORWallet. It is available in 175+ countries (incl. US) and allows users to spend cryptocurrency at merchants worldwide.
The THORWallet Mastercard offers 0-0.5% USDC cashback. There are 3 tiers: Basic (0%), Premium (0.5%), Swiss IBAN (0%).
The THORWallet Mastercard has an annual fee of $0 (one-off card fee: Basic $5, free with invite; Premium $124, $99 with invite). Additional fees: Conversion fee: No spending fee beyond card FX; crypto top-ups 0% on Basic and Premium, 0.25-1% on Swiss IBAN; FX fee: 1.5% (Basic, Premium); 1% (Swiss IBAN); ATM: $1 domestic, $5 international (Basic, Premium); not available on Swiss IBAN; Top-up: Wire free; tier fee on crypto.
The THORWallet Mastercard has the following limits: daily spending limit: USD 50,000 (Basic), USD 500,000 (Premium); monthly spending limit: USD 100,000 (Basic; USD 10,000 until an extra questionnaire is approved), USD 1,000,000 (Premium); daily ATM withdrawal limit: USD 10,000. Limits can vary by account tier and verification level.
Supported assets include USDC; top-up methods include Top-up from the THORWallet self-custody wallet; other tokens are swapped in-app first.
Yes. The THORWallet Mastercard requires full identity verification (KYC): expect to submit a government-issued ID, and often proof of address, before the card is issued.
The THORWallet Mastercard is available in 175+ countries (incl. US).
The THORWallet Mastercard is a debit card. You need to load cryptocurrency onto the card before making purchases.
Yes, the THORWallet Mastercard 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 THORWallet Mastercard supports Apple Pay and Google Pay for contactless payments.
Want to see your annual earnings? Use the ROI Calculator to estimate net cashback at your spending level, or compare cards side by side.