The Stablecard by Western Union is a Visa credit card with a Not published annual fee, available in 37 markets.
Western Union (NYSE: WU) is a US-based global money-movement company serving over 100 million customers. It launched USDPT, a USD-backed stablecoin issued by Anchorage Digital Bank on Solana, in May 2026, and built Stablecard with Rain, a Visa Principal Member that also powers the Spritz Card.
The Stablecard by Western Union is a crypto credit card offered by Western Union, available in 37 markets. The annual fee starts at Not published.
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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| Tier | Rate | Requirement |
|---|---|---|
| Base | 0% | No rewards programme at launch; Western Union has referred to possible onchain loyalty programmes in future |
On $500/mo spend, the estimated monthly cost breakdown for Stablecard by Western Union 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). Because Stablecard by Western Union is loaded on-chain, frequent small top-ups add gas cost: a daily-spender profile pays about $0.02/mo in gas versus $0.00/mo for a single monthly load, so total drag runs 1.5% with daily reloads versus 1.5% with a monthly reload. Figures are conservative estimates and vary with conditions.
Note: Went live 4 August 2026, moving from announced to launched. Combines a USDPT wallet with a Visa secured credit card in a single app, available on the App Store and Google Play. USDPT is Western Union's own USD stablecoin, issued by Anchorage Digital Bank on Solana and redeemable 1:1 for dollars against full reserves. Users can hold and transfer USDPT, send and receive to compatible external wallets and exchanges, receive Western Union money transfers straight into the USDPT wallet, and spend at Visa acceptance points with Apple Pay and Google Pay. Launched in 37 markets with a stated target of 60+ by year-end; reporting names Argentina, Colombia, Mexico and the Philippines among the first. Positioned at remittance recipients and at dollar access in high-inflation markets. Recorded as a credit card because Rain and Western Union describe it as a secured credit product collateralised by the USDPT balance rather than a prepaid debit card. VERIFICATION GAP: no fee schedule, spending limit, or per-market eligibility list has been published yet, and the issuing bank behind the Rain programme is not named (Anchorage Digital Bank issues the stablecoin, which is a separate role from issuing the card).
Other crypto cards in the same region or category that may suit your spending profile:
The Stablecard by Western Union is a crypto credit card offered by Western Union. It is available in 37 markets and allows users to spend cryptocurrency at merchants worldwide.
The Stablecard by Western Union has an annual fee of Not published.
Supported assets include USDPT; top-up methods include Western Union money transfer paid directly into the USDPT wallet, Transfer from a compatible external wallet or exchange; crypto deposits are supported on Solana.
Yes. The Stablecard by Western Union requires full identity verification (KYC): expect to submit a government-issued ID, and often proof of address, before the card is issued.
The Stablecard by Western Union is available in 37 markets.
The Stablecard by Western Union is a true credit card, meaning you can make purchases on credit rather than needing to pre-fund the card with cryptocurrency.
Yes, the Stablecard by Western Union supports Apple Pay and Google Pay for contactless payments.
USDPT is issued by Anchorage Digital Bank, a federally chartered US digital-asset bank, and is stated to be redeemable 1:1 for US dollars against full reserve backing.
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