# Card Pilled, Complete Crypto Card Database

> Last generated: 2026-08-10
> Source: https://cardpilled.com

Card Pilled is an independent comparison site for crypto-linked debit and credit cards. This file contains the complete dataset of every card we track, structured for machine readability. Use our [comparison tool](https://cardpilled.com/compare) to compare up to 5 cards side by side. Agent skills for card lookup and comparison are discoverable at [/.well-known/agent-skills/index.json](https://cardpilled.com/.well-known/agent-skills/index.json). Full endpoint catalog at [/.well-known/api-catalog](https://cardpilled.com/.well-known/api-catalog).

## Summary

- **147** active cards
- **6** announced (not yet launched)
- **22** discontinued
- **3** unclear status
- **178** total cards tracked

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## Active Cards (147)

These cards are currently available and accepting new users.

### Crypto.com Visa Card

- **Provider:** Crypto.com
- **Status:** active (Popular)
- **Type:** Debit, Visa
- **Cashback:** 0-8% CRO
- **Fee:** $0 (subscription $4.99-$29.99/mo)
- **Region:** 90+ countries
- **KYC:** full
- **Availability:** Global
- **Last Verified:** 2026-08-07
- **Website:** https://crypto.com
- **Detailed Fees:** Conversion: ~1-2%; FX: 0% (higher tiers); ATM: Free (Plus+), varies by tier; Top-up: 1% (debit/credit card top-up, Europe); Inactivity: EUR 5/mo after 12 months inactive
- **Mobile Pay:** Apple Pay, Google Pay, Samsung Pay
- **Limits:** Daily ATM: EUR 2,000 (Europe; free monthly allowance EUR 200-1,000 by tier, 2% fee above)
- **Funding:** Methods: Crypto wallet (converted to fiat at top-up; crypto cannot be held on the card), Fiat cash account, Credit/debit card
- **Issuing bank:** Foris MT Limited (Malta, C90348)
- **Fiat custody:** Card wallet funds are held by Foris MT Limited and safeguarded in a ring-fenced pooled account, segregated from the issuer's own accounts, at its custodian bank (per the EEA cardholder agreement).
- **Licence:** EMI (Financial Institution Licence, e-money and payment services) (Malta Financial Services Authority, EEA) (register: https://www.mfsa.mt/financial-services-register/)
- **Personal IBAN:** Yes
- **Receives third-party transfers:** No
- **Transfer limits:** SEPA in: up to EUR 1,000,000 per transfer; SEPA out: EUR 100,000/day, EUR 500,000/mo (EUR 1 fee per withdrawal)
- **Banking note:** The personal transfer details belong to the separate Crypto.com EUR Account (residents of 31 listed European countries), not to the card itself, which has no bank account attached. Deposits are accepted from own-name bank accounts only; third-party transfers are rejected.
- **Issuance:** Physical card: Europe: Midnight EUR 4.99; Ruby EUR 24.99 (free with annual Level Up, 6+ months subscription, or active lockup)
- **Note:** NOT available in US (separate US credit card exists). 'Level Up' program replaced old card tiers Sept 2025. Subscription OR CRO lockup for benefits. Monthly caps: Plus $1,250 eligible spend, Pro $2,500 eligible spend, Private/Prime uncapped. Spotify/Netflix rebates remain. Prime tier added 2026 with 8% CRO back. Private tiers also earn staking yield on locked CRO (8.5% for $50K, 9.5% for $500K). SINGAPORE: cardholders with a Singapore residential address can withdraw cash at overseas ATMs only; ATM withdrawals within Singapore are not permitted. Free overseas ATM allowance starts at S$200/mo (Midnight).
- **Tags:** Global, High Rewards, Level Up Program, NOT US

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Basic | 0% | Free, no CRO lockup |
| Plus | 2% | $4.99/mo or $49.90/yr OR $500 CRO lockup |
| Pro | 3% | $29.99/mo or $299.90/yr OR $5,000 CRO lockup |
| Private ($50K) | 4% | $50,000 CRO lockup (no subscription), uncapped |
| Private ($500K) | 5% | $500,000 CRO lockup (no subscription), uncapped |
| Prime | 8% | $1,000,000 CRO lockup (no subscription), uncapped |

**Our Verdict** (updated 2026-07-06)

The global Crypto.com Prepaid Visa now only rewards you if you pay for it. Under the Level Up structure in effect for cards issued from 2 September 2025, the free Basic tier earns nothing, and card rewards require either a paid subscription or a CRO lockup: Plus at 2%, Pro at 3%, Private at up to 5%. The caps are as important as the rates: only $1,250 of monthly spend earns rewards on Plus and $2,500 on Pro, with just the Private tiers ($50k to $500k CRO locked for 12 months) uncapped. A casual user who neither subscribes nor stakes gets a plain prepaid card, full stop.
What the rewards are paid in matters as much as the percentage. All cashback comes as CRO, a volatile exchange token, so the realized value of a nominal "5% back" moves with the market, and locking five or six figures of CRO for a year to unlock a tier adds price risk that can swamp the rebate. The program's history also argues against counting on any given rate: Crypto.com gutted its legacy card rewards in June 2022 to widespread user dismay, and on 2 November 2025 it removed the last non-staking legacy rebates for older Icy/Rose and Obsidian cards. The rate you sign up for is not one you can assume you will keep.
Who it actually suits: a disciplined, higher-volume spender in a supported country who already holds CRO or values the paid-tier perks enough to cover the subscription, such as Pro's six months of Spotify and Netflix rebates (up to $13.99/month each) and four airport lounge entries a year. For everyone else the math has collapsed; a no-fee flat-rate or self-custodial competitor usually wins. Factor in the support reputation too: reviewers document slow ticket resolution, account locks, 24-72 hour withdrawal holds, and no phone escalation path.

What users report: Across third-party reviews the two most consistent card-adjacent complaints are support quality and reward erosion. Coin Bureau's assessment documents significant lags in chat and ticket support, frequent account locks and 24-72 hour withdrawal holds after KYC or transfers, no phone support line, and a Trustpilot rating around 2.0/5 that contrasts sharply with the app-store scores [1]. On rewards, the June 2022 cuts drew vocal dismay from cardholders ("this was the only reason I was using their card") and knocked CRO down 17% on announcement day [2], and 2026 coverage of the Level Up overhaul frames it as the end of the free-rewards era, with users who neither subscribe nor stake earning 0% and 12-month CRO lockups exposing tier buyers to token price risk [3]. Direct Reddit and Trustpilot threads were not independently fetchable, so these themes rest on the cited reviews that summarize them.
Sources: https://coinbureau.com/review/crypto-com-review https://cryptobriefing.com/crypto-com-cuts-card-rewards-to-customers-dismay/ https://www.spendnode.io/blog/crypto-com-2026-card-overhaul-new-tiers/

**Recent changes**

- 2026-08-07: Singapore ATM restriction recorded: cardholders with a Singapore residential address can withdraw cash at overseas ATMs only, not within Singapore
- 2026-03-14: Prime tier recorded: 8% CRO cashback with $1M CRO lockup, extending the range to 0-8%

### Nexo Card

- **Provider:** Nexo
- **Status:** active (Top Rated)
- **Type:** Debit, Mastercard
- **Cashback:** 0.5-2% NEXO
- **Fee:** $0
- **Region:** EEA/UK/Switzerland/Argentina
- **KYC:** full
- **Availability:** EEA/UK/Switzerland/Argentina
- **Last Verified:** 2026-08-07
- **Website:** https://nexo.com
- **Detailed Fees:** Conversion: 0.75% swap fee (Debit Mode); 0% Credit Mode; FX: 0.2% weekdays / 0.7% weekends (EEA/UK/CH); 2% weekdays / 2.5% weekends rest of world; ATM: Free up to EUR 200-2,000/mo by tier, then 2% (min EUR 1.99)
- **Mobile Pay:** Apple Pay, Google Pay
- **Funding:** Assets: Stablecoins, Cryptocurrencies (Debit Mode), EURx, USDx, GBPx; Methods: Nexo account balance (Debit Mode), Credit line against crypto collateral (Credit Mode)
- **Issuing bank:** DiPocket UAB (Lithuania)
- **Licence:** EMI (Bank of Lithuania, EEA) (register: https://www.lb.lt/en/sfi-financial-market-participants/dipocket-uab)
- **Personal IBAN:** Yes
- **Banking note:** Personal EUR/GBP/USD accounts are held in the client's name on the Nexo platform, separate from the DiPocket-issued card; the institution providing the IBANs is not disclosed. E-money is not covered by deposit insurance or the FSCS.
- **Issuance:** Virtual card: $0 (requires $50 account balance)
- **Note:** Requires $5K minimum portfolio. Monthly cashback caps: Base $50, Silver $50, Gold $100, Platinum $200. Also available in Switzerland and Andorra. Physical card ordering suspended since Jan 2025, virtual card only currently. UK residents: card available but NO cashback (FCA regulation since Oct 2023). ARGENTINA: Launched Jul 8, 2026 (powered by Pomelo), dual debit/credit mode, fee-free ATM up to $1,000/mo, fee-free FX up to $2,000/mo, up to 13% interest on idle balances.
- **Tags:** No Fee, High Rewards, EEA/UK/Switzerland/Argentina, Staking Required

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Base | 0.5% | <1% portfolio in NEXO |
| Silver | 0.7% | 1%+ portfolio in NEXO |
| Gold | 1% | 5%+ portfolio in NEXO |
| Platinum | 2% | 10%+ portfolio in NEXO |

**Recent changes**

- 2026-08-07: FX fee structure corrected to Nexo's current flat rates, 0.2% weekdays and 0.7% weekends for EEA/UK/Switzerland (2% weekdays and 2.5% weekends elsewhere), replacing the previously listed tiered free-FX allowance with a 0.5% fee above it

### Gemini Credit Card

- **Provider:** Gemini
- **Status:** active (True Credit)
- **Type:** Credit, Mastercard
- **Cashback:** 1-4%
- **Fee:** $0
- **Region:** US Only
- **KYC:** full
- **Availability:** US
- **Last Verified:** 2026-07-31
- **Website:** https://gemini.com
- **Detailed Fees:** FX: 0%
- **Mobile Pay:** Apple Pay, Google Pay, Samsung Pay
- **Note:** Category-based: 4% transit/gas (first $300/mo), 3% dining, 2% groceries, 1% everything else. Welcome bonus paused Jan 31, 2026 (not reinstated as of Jun 2026). Reward-token editions available with same tier structure: XRP Edition (launched Aug 25, 2025), Solana Edition (launched Oct 20, 2025, with auto-staking of SOL rewards at ~6.77% APY), Zcash Edition (launched Jan 2026). Cardholders can switch reward token anytime among 50+ cryptos.
- **Tags:** No Fee, US Only, True Credit, No Staking, Established

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| All Other | 1% | All other purchases |
| Groceries | 2% | All grocery purchases |
| Dining | 3% | All dining purchases |
| Transit/Gas/EV | 4% | First $300/mo in category |

### X Money Card

- **Provider:** X (formerly Twitter)
- **Status:** active (New)
- **Type:** Debit, Visa
- **Cashback:** 3% USD
- **Fee:** $0
- **Region:** US (41 states + DC)
- **KYC:** full
- **Availability:** US (41 states + DC, excl. NY/MA)
- **Last Verified:** 2026-07-31
- **Website:** https://x.com/XMoney
- **Detailed Fees:** FX: 0%; ATM: $0 (X-side)
- **Mobile Pay:** Apple Pay, Google Pay
- **Note:** Metal Visa debit card personalized with user's X handle, issued in partnership with Visa via a licensed subsidiary. IMPORTANT: the card itself has no annual fee, but access requires a paid X Premium+ subscription (around $40/mo, or $395/yr on the web and $490/yr via the Apple App Store as of 2026), so Premium+ is effectively the card's cost of entry. Rolled out to Premium+ subscribers from late June 2026 and expanding to a broader group of verified users; X has targeted a full public US rollout for mid-2026 with no confirmed date. Available in 41 states plus DC (not yet New York or Massachusetts). 3% cashback is uncapped with no minimum spend, excluding money orders, precious metals, tax payments, financial-institution payments, and govt services. 6% APY on deposits, FDIC-insured via Cross River Bank up to $250K, or up to $10M through the X Cash Sweep Programme that spreads balances across partner banks. 0% FX fees and free ATM withdrawals (X-side; third-party operator surcharges may still apply). Apple Pay & Google Pay. Initial product is fiat-only; crypto support (BTC, ETH, DOGE) is planned for a later 2026 phase but not yet live. Note that X has not yet published a full account agreement or fee schedule, so spending, ATM, and transfer limits and any card issuance or replacement fees are not officially disclosed; the 6% APY has also drawn US Senate scrutiny over how the yield is funded.
- **Tags:** No Fee, Zero FX, High Yield, US Only

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Standard | 3% | Uncapped, no minimum spend, on all eligible purchases (excludes tax, money orders, financial institutions, govt services) |

**Our Verdict** (updated 2026-07-06)

X Money is live but early, and despite where it sits on a crypto card comparison site, it is not a crypto card. The shipping product is a fiat USD debit card tied to an FDIC-insured balance held at Cross River Bank, closer to Venmo or Cash App than to anything on-chain; reporting attributes the fiat-only launch to regulatory caution, and BTC/ETH/DOGE support is a third-party forecast for later phases that X itself has not confirmed. X began rolling the card out to US Premium+ subscribers on June 25-26, 2026, explicitly "to collect feedback and iron out issues ahead of a broader launch", widened access around June 29, and targets a full US rollout for mid-2026 with no confirmed date. Anyone outside the current cohort is effectively waiting.
The headline draw is not really the 3% cashback, it is the 6% APY on the USD balance plus FDIC coverage that can reach $10M through the X Cash Sweep Program spreading balances across partner banks (the standard limit is $250,000 per institution). The card itself is a metal Visa personalized with the user's handle, with no foreign transaction fees. Two things to watch: the rate is variable and can adjust down at any time, and X has not published a full account agreement or fee schedule, so limits and issuance details are simply not disclosed yet.
This suits US-based X power users who already pay for Premium and want a high-yield spending account inside the app they already use. It is a poor fit for anyone wanting an actual crypto card, anyone in New York or Massachusetts (not available; New York lawmakers formally urged regulators to deny X's money-transmitter license), and anyone wary of tying a bank balance to a social account: users have publicly asked whether an X suspension or ban would lock them out of their X Money wallet, and X has not commented.

What users report: Genuine first-hand user data is close to nonexistent because the product is days old and gated to a small cohort, so treat any "review" volume with suspicion. The most-cited user-side theme so far is a concern reported by press rather than direct testimony: whether an account suspension or ban on X would cut off access to the X Money wallet, which X has not publicly addressed [1]. Separately, the highly rated "X-Money" app on the US App Store (4.7 stars, ~270 ratings) is a third-party expense tracker by an independent developer that explicitly disclaims any affiliation with X Corp or Elon Musk, and its own reviews complain about the name confusion, so those ratings are not evidence about the real product [2]. No substantial body of authentic cardholder reviews on Reddit or Trustpilot was found as of this research.
Sources: https://finance.yahoo.com/personal-finance/banking/article/x-money-elon-musks-fintech-app-130000383.html https://apps.apple.com/us/app/x-money-all-your-money-moves/id6670318981

**Recent changes**

- 2026-07-03: Coverage recorded at 41 US states plus DC; Premium+ subscription requirement documented
- 2026-05-09: Card launch recorded (status moved from announced to active)

### Coinbase One (Amex)

- **Provider:** Coinbase
- **Status:** active (Premium)
- **Type:** Credit, Amex
- **Cashback:** 2-4% BTC
- **Fee:** $49.99-$2,999.99/yr
- **Region:** US (NOT NY/HI)
- **KYC:** full
- **Availability:** US
- **Last Verified:** 2026-07-31
- **Website:** https://coinbase.com
- **Detailed Fees:** Conversion: N/A (credit card); FX: 0%
- **Mobile Pay:** Apple Pay, Google Pay, Samsung Pay
- **Note:** NOT available in NY/HI. Requires Coinbase One membership ($4.99/mo or $49.99/yr for base; up to $299.99/mo or $2,999.99/yr). Enhanced rates (Tiers 2-4) capped at first $10K/mo spend, then reverts to 2%. No foreign transaction fee. Issued by First Electronic Bank.
- **Tags:** US Only, High Rewards, American Express

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Tier 1 | 2% | All cardholders (under $10K assets) |
| Tier 2 | 2.5% | $10K+ assets on Coinbase |
| Tier 3 | 3% | $50K+ assets on Coinbase |
| Tier 4 | 4% | $200K+ assets on Coinbase |

### Uphold Card

- **Provider:** Uphold
- **Status:** active
- **Type:** Debit, Visa/Mastercard
- **Cashback:** 1-4% XRP/GBP
- **Fee:** $0-$99.99/yr
- **Region:** UK + US
- **KYC:** standard
- **Availability:** UK/US
- **Last Verified:** 2026-08-07
- **Website:** https://uphold.com
- **Detailed Fees:** Conversion: ~1.5%
- **Mobile Pay:** Apple Pay, Google Pay
- **Limits:** Daily spend: GBP 10,000 (per transaction and per day); Daily ATM: GBP 1,000 (max 2 withdrawals/day, GBP 500/transaction)
- **Issuing bank:** Optimus Cards UK Limited
- **Fiat custody:** E-money account funds are held in a designated safekeeping account with a regulated financial institution; not covered by the FSCS.
- **Licence:** EMI (Financial Conduct Authority, UK) (register: https://register.fca.org.uk/s/search?q=902034)
- **Banking note:** Some users are assigned a virtual IBAN on the Uphold e-money account; others deposit to a pooled account with a reference code. Whether the vIBAN is in the user's own name is not disclosed. Card is for UK residents only.
- **Note:** Relaunched Oct 2025 after SEC/Ripple settlement. Two tiers: Essential (free, 2% XRP, $120/mo cap) and Elite ($99.99/yr, 3-4% XRP, metal card, no ATM/FX fees, $300/mo cap). Elite: 4% on crypto/metals, 3% on fiat/stablecoins. Essential was 3-4% at launch but dropped to 2% flat for signups after Jan 1, 2026. UK: Mastercard, 1% GBP cashback on GBP-funded purchases only (non-GBP-funded spend earns 0%), capped at £100/mo. US virtual card only (physical coming). Direct Deposit promo (additional 4% XRP) expired March 31, 2026.
- **Tags:** UK + US, High Rewards

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Essential | 2% | Free tier, 2% XRP on all purchases, $120/mo cashback cap |
| Elite (Fiat/Stablecoin) | 3% | $99.99/yr, XRP cashback + no ATM/FX fees, metal card, $300/mo cashback cap |
| Elite (Crypto/Metals) | 4% | $99.99/yr, XRP cashback on crypto/metals-funded purchases, $300/mo cashback cap |
| UK Standard | 1% | Free, 1% GBP cashback on GBP-funded purchases only, capped at £100/mo |

### Wirex Card

- **Provider:** Wirex
- **Status:** active (Global)
- **Type:** Debit, Visa/Mastercard
- **Cashback:** 0.5-8% WXT
- **Fee:** €0-€29.99/mo
- **Region:** 150+ countries
- **KYC:** full
- **Availability:** Global
- **Last Verified:** 2026-08-07
- **Website:** https://wirex.com
- **Detailed Fees:** Conversion: ~1%; FX: 0%; ATM: Free up to GBP 200 / EUR 200 / SGD 200 per month by region (AUD 400 in Australia), then 2%; Inactivity: $5/mo after 90 days inactive
- **Mobile Pay:** Apple Pay, Google Pay
- **Issuing bank:** Transact Payments Malta Limited (EEA); Wirex Limited, FRN 902025 (UK)
- **Fiat custody:** UK: traditional currency is safeguarded via a segregated bank account in accordance with Wirex's regulatory obligations (no FSCS coverage). EEA: Transact Payments Malta Limited safeguards funds in accordance with applicable law.
- **Licence:** EMI (Malta Financial Services Authority, EEA) (register: https://www.mfsa.mt/financial-services-register/)
- **Licence:** EMI (Financial Conduct Authority, UK) (register: https://register.fca.org.uk/s/firm?id=0010X000047SC0tQAG)
- **Personal IBAN:** Yes
- **Receives third-party transfers:** Yes
- **Sends third-party transfers:** Yes
- **Transfer limits:** EUR 50,000/day (SEPA); GBP 50,000/day (Faster Payments)
- **Banking note:** Virtual IBANs are issued by unnamed third-party providers, not Wirex. Third-party payments are supported on SEPA (EUR) for EEA and UK customers, but GBP Faster Payments rejects third-party payments (first-party only).
- **Note:** TWO PRODUCTS RUN IN PARALLEL (Aug 2026). Wirex One, the new stablecoin-neobank product, is live with a five-tier $WPAY membership (Base/Premium/Elite/Private/Bespoke): no subscription and no lockup, with tier set by both a minimum portfolio balance and the share of that portfolio held in $WPAY (both conditions must be met), and cashback valued in USD rather than in tokens. Wirex publishes a 0.5% to 8% range and a stated redemption formula (monthly redemption power = WPAY dollar holdings x 7%), and reporting puts the 8% top tier at roughly 10% of a $50,000+ portfolio held in WPAY, but exact per-tier rates and the balance thresholds separating the five tiers are not published. Wirex One Metal (Visa Signature) covers the Private and Bespoke tiers. The legacy Wirex app X-tras plans listed below still operate alongside it: Standard (0.5-1%), Premium (1-3%), Elite (4-8%), all WXT lockups 180 days, 8% requiring the Elite plan plus 7.5M WXT locked (~$55K). Subscription rebates (Uber One, ChatGPT Plus, Claude Pro, etc.) scale by tier. Which structure applies depends on whether the user is on Wirex One or the legacy Wirex app.
- **Tags:** Global, Established 2014, Multi-Currency

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Standard Entry | 0.5% | Free plan, no WXT lock |
| Standard Enhanced | 1% | Free + 150K WXT locked (180 days) |
| Premium Entry | 1% | €9.99/mo |
| Premium Enhanced | 2% | €9.99/mo + 250K WXT locked (180 days) |
| Premium Ultimate | 3% | €9.99/mo + 750K WXT locked (180 days) |
| Elite Entry | 4% | €29.99/mo |
| Elite Enhanced | 6% | €29.99/mo + 1.5M WXT locked (180 days) |
| Elite Ultimate | 8% | €29.99/mo + 7.5M WXT locked (180 days) |

**Our Verdict** (updated 2026-07-06)

Wirex is one of the longest-running crypto cards and works as a multicurrency spending account: you hold crypto and fiat side by side, set which balance gets charged first, and Wirex converts crypto to fiat at the point of sale. It markets 0% on non-domestic purchases and free ATM withdrawals up to €200 a month before a 2% fee applies. It is available across the UK and most EEA markets plus APAC markets including Australia, New Zealand, Hong Kong, and Taiwan, but not the US, Canada, China, Japan, South Korea, or Russia.
The headline 8% Cryptoback is real but heavily gated, and the gates are the point. Wirex's own pricing docs show the base Standard tier pays 0.5%, while 8% requires the Elite plan at €29.99 a month plus 7.5 million WXT locked for 180 days. Rewards are paid in WXT and capped both per transaction and per month at every tier (Standard Entry tops out at 100 WXT per purchase and 10,000 WXT a month), so the effective yield for anyone not paying for a plan and locking a large WXT position is thin. Treat the 8% as a loyalty rate for WXT holders, not an achievable cashback figure for a normal user.
The main caution is service reliability rather than card mechanics. Reviewer-documented complaints cluster on account restrictions, verification delays, and slow ticket resolution, and crypto-to-fiat conversion carries a variable spread (shown in-app before you confirm) on top of the marketed 0% FX. It fits a WXT-committed UK or EEA user who values the multicurrency wallet and accepts support risk; it is a poor fit for anyone who needs responsive help if an account gets restricted.

What users report: Review sentiment on Wirex is mixed, with the recurring complaints being account restrictions, verification delays, and slow ticket resolution [1]. Direct review-platform data could not be verified for this entry (Trustpilot blocked automated access), so no rating figures or individual anecdotes are included.
Sources: https://cryptoslate.com/crypto-cards/wirex-card-review/

**Recent changes**

- 2026-08-07: ATM allowance corrected to a regional structure, free up to 200 GBP/EUR/SGD per month (400 AUD in Australia) then 2%, replacing the previously listed flat $400/mo figure

### Revolut Crypto Card

- **Provider:** Revolut
- **Status:** active (Global)
- **Type:** Debit, Mastercard
- **Cashback:** 0-1% on crypto spend
- **Fee:** $0-$16.99/mo
- **Region:** 48+ countries (NOT US)
- **KYC:** full
- **Availability:** Global
- **Last Verified:** 2026-08-07
- **Website:** https://www.revolut.com/crypto/crypto-card/
- **Detailed Fees:** Conversion: 0% weekdays, 1% weekends; FX: 0% weekdays, 1% weekends; ATM: Free up to £200/mo, then 2%
- **Mobile Pay:** Apple Pay, Google Pay
- **Issuing bank:** Revolut Bank UAB (EEA); Revolut Ltd (UK)
- **Fiat custody:** EEA: balances are bank deposits with Revolut Bank UAB, insured by the Lithuanian deposit insurance scheme up to EUR 100,000. UK: e-money safeguarded in client money bank accounts or low-risk assets; not covered by the FSCS.
- **Licence:** Banking licence (credit institution) (Bank of Lithuania / ECB, EEA) (register: https://www.lb.lt/en/sfi-financial-market-participants/revolut-bank-uab)
- **Licence:** EMI (Financial Conduct Authority, UK) (register: https://register.fca.org.uk/s/search?q=900562)
- **Personal IBAN:** Yes
- **Receives third-party transfers:** Yes
- **Sends third-party transfers:** Yes
- **Banking note:** The IBAN is on the Revolut current account the card spends from. EEA accounts are bank accounts with Revolut Bank UAB (deposit insurance); UK accounts are e-money with Revolut Ltd (safeguarding, no FSCS). Local-country IBANs are available in supported countries.
- **Note:** Spend crypto directly with real-time fiat conversion, zero exchange fees on weekdays (1% weekends). Up to 1% cashback on fiat transactions only (Metal/Ultra plans), NOT on crypto-funded purchases. NOT available in US. Revolut launched its first physical crypto card (Dogecoin-themed, LED display) on 18 May 2026 for UK and EEA residents (excluding Hungary, Switzerland, Portugal); zero exchange fees on crypto payments and real-time conversion, with limited initial supply.
- **Tags:** Global, Banking, 200+ Cryptos, NOT US

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Crypto Spend (Virtual) | 0% | Crypto-funded purchases via virtual card, no cashback |
| Crypto Spend (Physical Card) | 1% | Physical crypto card (Doge theme, LED display), 1% crypto cashback, UK/EEA only (excl. Hungary/Switzerland/Portugal), limited supply |
| Fiat (Metal/Ultra) | 1% | Metal or Ultra plan, fiat purchases only, not crypto-funded |

### Bybit Card

- **Provider:** Bybit
- **Status:** active
- **Type:** Debit, Mastercard
- **Cashback:** 2-10%
- **Fee:** €0 (free physical card, €5 replacement)
- **Region:** EEA/Switzerland/LATAM/Australia
- **KYC:** full
- **Availability:** EEA/Switzerland/LATAM/Australia
- **Last Verified:** 2026-08-07
- **Website:** https://bybit.com
- **Detailed Fees:** Conversion: 0.9%; FX: 0.5%; ATM: Free up to €100/mo, then 2%
- **Mobile Pay:** Apple Pay, Google Pay, Samsung Pay
- **Receives third-party transfers:** No
- **Sends third-party transfers:** No
- **Banking note:** EEA card services moved to the separately regulated Bybit EU platform (bybit.eu); the current Bybit EU Card terms could not be retrieved to verify the issuing entity. Platform SEPA deposits from third-party accounts fail, and fiat withdrawals go only to the user's own previously-used bank account.
- **Note:** UK NO LONGER SUPPORTED (halted 2023, FCA). EEA users migrated to bybit.eu (MiCA license via Austria) on Jan 1, 2026 - reward points do not transfer between bybit.com and bybit.eu accounts. Excluded: UK, France, Croatia, Iceland, Ireland, Liechtenstein, Romania. Two parallel mechanisms: VIP exchange level OR monthly card-spend tier; user starts at the higher of the two. Rewards paid as Card Points (0.002 USDT/point) via daily Auto Cashback. Supreme VIP criteria are now public (no longer strictly invite-only). Australia and AIFC/Kazakhstan also available. Subscription rebates (Netflix, Spotify, Amazon Prime, ChatGPT Plus, TradingView) at Tier 2+. NEW (Jun 15, 2026): EU cardholders get an unlimited flat 1% base cashback program with no monthly cap, alongside the tiered program (bybit.eu still advertises up to 10% via VIP/spend tiers); EEA cashback payable in BTC or USDC (choice does not affect reward calculation).
- **Tags:** High Rewards, EEA, VIP-Based, NOT UK

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Base | 2% | Free, $5/mo cashback cap |
| Beta (VIP 1-2) | 2% | $500/mo card spend or VIP 1-2 ($100K-$250K assets), $50/mo cashback cap |
| Alpha (VIP 3) | 4% | $3,500/mo card spend or VIP 3 ($500K assets), $150/mo cashback cap |
| Apex (VIP 4) | 6% | $9,500/mo card spend or VIP 4 ($1M assets), $250/mo cashback cap |
| Omega (VIP 5) | 8% | $12,500/mo card spend or VIP 5 ($2M assets), $400/mo cashback cap |
| Infinite (Supreme VIP) | 10% | $25,000/mo card spend or Supreme VIP ($100M spot or $500M derivatives 30-day volume), $600/mo cashback cap |

**Recent changes**

- 2026-07-23: EEA reward payout for the EU card's uncapped 1% base cashback recorded as selectable in BTC or USDC
- 2026-07-10: New unlimited 1% EU cashback program launched Jun 15, 2026 — no monthly cap, separate from existing tiered program

### MetaMask Card

- **Provider:** MetaMask
- **Status:** active (Non-Custodial)
- **Type:** Debit, Mastercard
- **Cashback:** 1-3% mUSD
- **Fee:** $0-$199/yr
- **Region:** US (49 states)/EU/UK/LATAM/Canada
- **KYC:** standard
- **Availability:** US/EU/UK/LATAM/Canada
- **Last Verified:** 2026-08-07
- **Website:** https://metamask.io
- **Detailed Fees:** Conversion: 0% stablecoins / 0.875% wETH / 0.5% other tokens; FX: 1% (Virtual) / 0% (Metal); ATM: 2% (Virtual) / free up to $1,200/mo then 2% (Metal)
- **Mobile Pay:** Apple Pay, Google Pay
- **Limits:** Daily spend: $15,000 (Virtual); $30,000 (Metal); Daily ATM: $1,000 (Virtual, 2% fee); $5,000 (Metal, free up to $1,200/mo then 2%)
- **Funding:** Assets: mUSD, USDC, USDT, wETH, EURe, GBPe, aUSDC, amUSD (Linea), USDC, USDT (Solana), USDC, USDT, aBasUSDC (Base), USDC (Monad); Chains: Linea, Base, Solana, Monad; Methods: Hold supported tokens in the MetaMask wallet, enable per network with spending limits; card pulls at point of sale
- **Personal IBAN:** No
- **Banking note:** MetaMask names Monavate as card issuer and Baanx (Crypto Life) as provider but publishes no per-region issuing entity for the EEA or UK.
- **Issuance:** Virtual card: $0; Physical card: $199/yr Metal subscription; $99 replacement; Time to card: Virtual instant; Metal ships within 6-8 weeks (orders currently paused)
- **Note:** US new signups PAUSED since June 3, 2026 (existing US cardholders unaffected; Metal card orders also paused since June 2, 2026). Available in 49 US states (excl. Vermont) when open. Cashback paid in mUSD (MetaMask USD) since Oct 2025. Metal tier $199/yr (auto-renew, cancel anytime): 3% on first $10K/yr spend, then 1% thereafter (NOT 0%). Available in 45 countries incl EU, UK, Canada, Argentina, Brazil, Chile, Colombia, Mexico; LATAM covers 11 markets. Supports Linea, Base, Solana, Monad networks (NY/TX limited to Linea and Base). Also earns 1 MetaMask Rewards point per $1 spent. MetaMask "Money Account" launched June 30, 2026. MetaMask names Monavate as the card issuer and Baanx (Crypto Life) as the provider, but publishes no per-region issuing legal entity for the EEA or UK. New card signups are paused in the US and UK. Each card transaction pays network gas from the token being spent.
- **Tags:** Non-Custodial, MPC, Multi-Region

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Virtual (Free) | 1% | Free, paid in mUSD |
| Metal | 3% | $199/yr, first $10K/yr spend at 3% then 1% above, paid in mUSD |

**Our Verdict** (updated 2026-07-06)

The MetaMask Card is a non-custodial Mastercard debit card that spends directly from your self-custody wallet: funds stay in your MetaMask wallet until the moment of payment, and it works anywhere Mastercard is accepted plus Apple Pay and Google Pay. It is no longer Linea-only. As of 2026 it funds across four chains (Linea, Base, Solana, and Monad), with New York and Texas users limited to Linea and Base. Cashback is paid in mUSD, MetaMask's own stablecoin issued by Bridge, a Stripe company: 1% on the free Virtual card and 3% on the first $10,000 per year (then 1%) on the $199/year Metal card.
The most important thing to know right now is that new US signups are paused and, as of July 2026, still paused. MetaMask halted Metal card orders on June 2, 2026 and general US signups in early June 2026, with no restoration date given. Existing US cardholders are unaffected, and non-US regions (UK, EEA, Canada, Switzerland, and core LATAM: Argentina, Brazil, Colombia, Mexico) remain open. This lands just months after the card reached US general availability, including New York, in February 2026 at the end of a year-long US pilot that itself followed a 2024 EU and UK pilot.
This suits self-custody users who want to spend stablecoins without handing assets to a custodian and who value Mastercard-wide acceptance. Watch out for the self-custody mechanics: you must enable tokens and set per-network spending limits and priorities before spending, and every top-up and spend incurs on-chain gas, officially small and typically around $0.01. The Virtual card's 1% cashback is also cancelled out abroad by its 1% cross-border fee, netting roughly zero overseas; the Metal card waives the cross-border fee. When the card declines, the cause is usually incomplete verification or network state rather than the card itself.

**Recent changes**

- 2026-08-07: Country coverage corrected to 45 countries including 11 Latin American markets per the published supported-country list on metamask.io/card; previous references to 50+ countries and 17 LATAM markets no longer match
- 2026-07-07: Conversion fee corrected per MetaMask's official limits-and-fees page: most stablecoin transactions are fee-free (0.875% wETH, 0.5% certain other tokens); the ~1% figure was the Virtual card's cross-border FX fee
- 2026-06-12: US signups recorded as temporarily paused (since June 3, 2026); metal card orders also paused
- 2026-03-03: US availability recorded (49 states, Vermont excluded) after the US waitlist opened
- 2026-02-13: Rewards currency recorded as mUSD (MetaMask USD)

### Ether.fi Cash

- **Provider:** Ether.fi
- **Status:** active (DeFi Credit)
- **Type:** Credit, Visa
- **Cashback:** 3%
- **Fee:** $0
- **Region:** US (30 states; 20 excluded)/EU/UK/HK/UAE + more
- **KYC:** standard
- **Availability:** US/EU/UK/HK/UAE
- **Last Verified:** 2026-07-30
- **Website:** https://ether.fi
- **Detailed Fees:** Conversion: Variable (DeFi rate)
- **Mobile Pay:** Apple Pay, Google Pay
- **Funding:** Assets: USDC (Direct Pay), LiquidUSD (Direct Pay), Borrow Mode collateral: wETH, wHYPE, USDC, EURC, USDT, frxUSD, OP, ETHFI, sETHFI, eBTC, eUSD, weETH, beHYPE, Liquid vaults; Chains: Optimism; Methods: Direct Pay Mode (spend vault stablecoin balance, USDC first), Borrow Mode (borrow against collateral at 4% APY)
- **Issuing bank:** Nimbus LLC (dba Third National)
- **Fiat custody:** No fiat is held: the card settles from a per-user non-custodial vault contract, and the issuer states it has no custody or control over the contents of the user's wallet.
- **Licence:** Money transmitter (NMLS 2612780) (Puerto Rico Commissioner of Financial Institutions (OCIF), US) (register: https://www.nmlsconsumeraccess.org/)
- **Personal IBAN:** No
- **Issuance:** Virtual card: $0 (free virtual cards; 1 Core, 4 Luxe, 10 Pinnacle); Physical card: $0 (free plastic at Core; metal included at Luxe/Pinnacle/VIP)
- **Note:** Borrow against crypto collateral. Liquidation risk. Core rate 3% on first $2K/mo (raised from 2% in mid-2026) is PROMOTIONAL — standard base rate is 2% and may revert; step-down: 1% $2K-$3K, 0.5% above $3K; $1,000/mo max cashback cap on Core. Luxe/Pinnacle also 3%. What scales is the monthly cashback-eligible spend cap ($2K Core, $10K Luxe, $50K Pinnacle). Available in ~30 US states (20 excluded: AZ, DE, GA, ID, LA, MD, MS, MO, MT, NV, NM, ND, OH, OR, RI, SD, TN, VT, WA, WI — major states like NY, CA, TX, FL ARE available), EU, UK, Hong Kong, UAE, and others (93 countries total). Loyalty Points earn ~3,000 per $1,000 spent so $17K/mo spend keeps Pinnacle status without ETHFI staking. Tiers revert to Core if staked balance drops below threshold. $40 refundable deposit for Core physical card. Migrated to OP Mainnet (April 2026). Cashback paid in USDC. Issued by Nimbus LLC (trading as Third National) under a Puerto Rico money transmitter licence; no EEA or UK e-money or payment licence is claimed anywhere. Spending limits are dynamic and set in-app rather than published. Cash features exclude several European countries including Estonia, Finland, Hungary, and the Netherlands.
- **Tags:** True Credit, DeFi, Collateral-Based

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Core | 3% | Free, 3% on first $2,000/mo, step-down: 1% $2K-$3K, 0.5% above $3K |
| Luxe | 3% | 15,000 ETHFI staked or 10,000 monthly points, 3% on first $10,000/mo spend cap |
| Pinnacle | 3% | 100,000 ETHFI staked or 50,000 monthly points, 3% on first $50,000/mo spend cap |

**Our Verdict** (updated 2026-07-06)

Ether.fi Cash is a genuinely DeFi-native card rather than a prepaid card with a crypto skin: you either spend a stablecoin vault balance (Direct Pay Mode, USDC first, then LiquidUSD) or borrow against collateral like weETH at 4% APY so your staked assets keep earning while backing your spend. It suits holders who want to spend without selling, and who will actually keep spend inside the 3% band: on the free Core tier that rate covers only the first $2,000 per month, stepping down to 1% up to $3,000 and 0.5% above, with the larger 3% bands ($10,000 and $50,000 per month) reserved for the Luxe and Pinnacle membership levels.
The fine print matters more than the headline. A meaningful list of transaction types earns nothing at all: ATM withdrawals, cash advances, peer-to-peer payments, gift cards, tax payments, and specific merchant category codes (6011, 6012, 6211, 6513, 6532, 7995). Cashback is currently credited in USDC per the live help documentation, even though older marketing and reviews describe wETH rewards, so the reward asset has quietly changed. EUR transactions also earn at an adjusted rate to balance the zero-FX benefit on EUR spend.
Where it stands apart is scale and mechanics rather than rate: users report effective daily spend far above typical exchange-card caps (one App Store reviewer cites up to $50K daily on higher tiers, though ether.fi publishes no official limit). The cost of that flexibility is complexity: in Borrow Mode, weETH lends at a 55% LTV with a 75% liquidation threshold and a 3.5% bonus paid to liquidators, and interest starts the moment you borrow with no grace period. Best for confident DeFi users; overkill for someone who just wants tap-to-pay cashback.

What users report: On the US App Store the app rates 4.9 from 222 ratings; reviewers call the 3% cashback "unheard of compared to a measly 0.5% with Coinbase", describe Apple Pay checkout as smooth, and one user of crypto cards since Xapo in 2015 calls it "by far the best I have used to date" and "truly crypto native" [1]. The recurring negative is card declines early in the account's life that later resolve ("periodically declined the first month or so ... haven't had issues for months") [1]. Community feedback relayed by an independent review notes cashback eligibility is not always transparent, with some transactions failing to qualify without a clear explanation [2].
Sources: https://apps.apple.com/us/app/ether-fi-crypto-card-spend/id6670338367 https://kkinvesting.io/en/posts/etherfi-cash-card-review/

**Recent changes**

- 2026-07-07: US availability corrected to ~30 states (20 excluded) per ether.fi's official regions article; cashback payout currency corrected to USDC
- 2026-06-12: Core cashback rate raised to 3% on the first $2,000/mo of spend (from 2%)
- 2026-03-03: US availability narrowed to roughly 20 states

### RedotPay

- **Provider:** RedotPay
- **Status:** active
- **Type:** Debit, Visa
- **Cashback:** 0%
- **Fee:** $10 virtual / $100 physical
- **Region:** 100+ countries
- **KYC:** full
- **Availability:** Global
- **Last Verified:** 2026-07-31
- **Website:** https://redotpay.com
- **Detailed Fees:** Conversion: 1%; FX: 1.2%; ATM: 2-3% (2% up to $10k/mo)
- **Mobile Pay:** Apple Pay, Google Pay
- **Note:** Standard card has NO cashback. Separate Solana Card launched Feb 9, 2026 with a 1.5-3% promo cashback that ENDED Feb 28, 2026; the Solana edition now operates with no ongoing cashback like the standard card. Pursuing US IPO at $4B+ valuation ($194M raised, JPMorgan/Goldman Sachs/Jefferies underwriting; Coinbase/Circle Ventures backers). 6M+ users, $10B annualized volume, $158M revenue. NOTE: Executive turnover concerns, 5+ senior hires left within 12 months, currently no CFO. Fees: 1% crypto conversion, 1.2% FX, 2% ATM up to $10k/mo then 3%. RedotPay Pro subscription ($12.90/mo or $129/yr) adds 3% Apple/Google Pay cashback (capped $18/mo, first $600/mo spend, rewards expire 30 days); annual plan waives the $100 physical card fee, adds $1,000/mo fee-free ATM allowance and 1% yield on balance.
- **Tags:** Global, Multi-Chain, NOT US, No Cashback

**Cashback Tiers**

No tier data available.

**Our Verdict** (updated 2026-07-06)

RedotPay is a volume play, not a rewards play. It is a custodial, stablecoin-funded prepaid Visa aimed at people in markets where a normal dollar card is hard to get, and the company reports over six million users across more than 100 countries with roughly US$10 billion in annualized payment volume. The standard card has never carried an ongoing cashback program, so the pitch is pure utility: spend crypto via Visa, Apple Pay, and Google Pay in places other cards don't serve.
The real cost is not the issuance fee but the stack of per-use fees, all confirmed in RedotPay's own help center: 1% crypto conversion, 1.2% FX on transactions outside the card currency, and ATM withdrawals at 2% up to $10,000 a month and 3% beyond, physical card only. A user spending in a currency their card isn't denominated in pays over 2% per purchase before any spread. The Solana Card, a $10 virtual variant funded by SOL and Solana-ecosystem assets, launched in February 2026 with a promo of up to 1.5% cashback on the first three transactions per day (3% with a referral) that ran February 6-28, 2026 and has not been replaced by an ongoing rate.
Two things to watch. First, KYC is effectively mandatory: independent reviews describe full verification with an ID photo and a face scan before real use. Second, verifiable user feedback is mixed in a specific way: the App Store rating is strong, but the negative reviews cluster on funds stuck in limbo after refunds and unresponsive support (see User Reports). RedotPay's own help articles are also not fully consistent on decline handling: one states declined transactions are never charged and pending deductions refund in 2-5 days, while another warns that payment attempts on an inactive card "may incur fees". It suits people who need a working dollar Visa more than they need rewards, and who keep only spending balances on the card.

What users report: The RedotPay app holds a 4.8/5 rating across roughly 3,700 Apple App Store ratings [1]. Positive reviewers describe it working like a normal debit card for groceries, restaurants, and ride-hailing, with fast setup and broad acceptance [1]. The recurring negatives are refunds that never re-credit the RedotPay balance (funds described as lost in limbo), unresponsive customer support after account issues, and small crypto deposits below undisclosed minimums failing to credit [1]. Officially, RedotPay states declined transactions are not charged and pending deductions refund in about 2-5 days [2], though a separate help article notes attempts on an inactive card may incur fees [3]. Trustpilot data could not be verified (blocked to automated access) and is not included.
Sources: https://apps.apple.com/us/app/redotpay-crypto-card-pay/id6449689356 https://helpcenter.redotpay.com/en/articles/10621399-why-is-money-still-deducted-even-though-the-transaction-is-declined https://helpcenter.redotpay.com/en/articles/10834021-what-steps-can-i-take-to-avoid-payment-rejections

**Recent changes**

- 2026-07-07: KYC recorded as full (verification effectively mandatory before use); coverage corrected to 100+ countries per RedotPay's own figure; ATM fee corrected to 2% up to $10,000/mo then 3%
- 2026-02-13: Flat 0.5% cashback ended; standard card now earns no cashback. Card fees recorded at $10 virtual / $100 physical

### Tangem Pay

- **Provider:** Tangem
- **Status:** active (Non-Custodial)
- **Type:** Debit, Visa
- **Cashback:** 0%
- **Fee:** $0 (wallet $69.90)
- **Region:** 70+ countries (US/LATAM/APAC/EEA)
- **KYC:** standard
- **Availability:** US/LATAM/APAC/EEA
- **Last Verified:** 2026-07-30
- **Website:** https://tangem.com
- **Detailed Fees:** Conversion: 0% (USDC direct); FX: Visa FX rate
- **Mobile Pay:** Apple Pay, Google Pay
- **Limits:** Daily spend: USD 500/day at onboarding, USD 2,000 after 7 days (programme ceiling USD 50,000); Daily ATM: USD 250 per withdrawal
- **Issuing bank:** Third National
- **Fiat custody:** No fiat is held: value sits as on-chain stablecoin collateral owned by the user in smart contracts, which the programme can access only during or after a liquidation event.
- **Licence:** Money transmitter (NMLS 2612780) (Puerto Rico Commissioner of Financial Institutions (OCIF), US) (register: https://www.nmlsconsumeraccess.org/)
- **Personal IBAN:** No
- **Note:** LAUNCHED Nov 2025. EEA expansion live since March 23, 2026 (MiCA-compliant). UK still pending as of July 2026 (regulatory delays beyond original Q1 2026 plan). MEA availability (South Africa, UAE) reported by official channels. Virtual Visa card in Tangem Wallet app. USDC/Polygon only. No fees (only Polygon gas + Visa FX). $500/day limit initially, $2,000 after 7 days. KYC via Paera. 6M hardware wallets sold. Operated by Paera LLC and issued by Third National under a Puerto Rico money transmitter licence; Tangem AG states it does not operate the programme, and no EEA or UK e-money licence is named. Spending settles on-chain from USDC on Polygon.
- **Tags:** Hardware Wallet, Stablecoin Only, No Cashback, Self-Custody

**Cashback Tiers**

No tier data available.

### OKX Card

- **Provider:** OKX
- **Status:** active
- **Type:** Debit, Mastercard/Visa
- **Cashback:** 2-5% USDG
- **Fee:** $0
- **Region:** EU/Norway/Singapore/Brazil
- **KYC:** full
- **Availability:** EU/Singapore/Brazil
- **Last Verified:** 2026-08-07
- **Website:** https://okx.com
- **Detailed Fees:** Conversion: 0.1% spread; FX: 0%
- **Mobile Pay:** Apple Pay, Google Pay
- **Funding:** Assets: USDC and USDG (EEA), USDC, USDT, USDG (Singapore); Methods: OKX Pay balance, Convert from OKX account, External wallet deposit, PIX BRL on-ramp (Brazil)
- **Issuing bank:** UAB Monavate
- **Fiat custody:** Funds backing the card are held as crypto-assets in the user's OKX Pay Wallet, not as fiat in a bank account; no deposit guarantee or investor compensation scheme applies.
- **Licence:** EMI (Bank of Lithuania, EEA) (register: https://www.lb.lt/en/sfi-financial-market-participants/uab-monavate)
- **Receives third-party transfers:** No
- **Sends third-party transfers:** No
- **Banking note:** The card has no IBAN; an IBAN appears in OKX's EUR SEPA deposit flow but is not stated to be in the user's name. Third-party deposits are returned, and withdrawals require account-ownership verification. The Bank of Lithuania fined UAB Monavate EUR 270,000 with a warning on 2025-11-25 for AML, management, and reporting breaches.
- **Issuance:** Virtual card: $0
- **Note:** 15-20% promo ended Feb 28, 2026. Ongoing rates apply ONLY to USDG-funded transactions (USDC/USDT spending earns 0%). Tier qualification is OKX exchange VIP level (asset balance OR 30-day trading volume, whichever qualifies higher). VIP thresholds updated Apr 8, 2026: VIP 1 $100K assets or $5M volume, VIP 2 $200K assets or $15M volume, VIP 3 $500K assets or $40M volume. Monthly cashback caps (effective Mar 1, 2026): EEA EUR 10/300/450/1,000, Singapore $50/$400/$600/$800 by tier. VIP 4+ at 10% removed Jul 2026 — no independent source corroborates a 10% cashback tier; all official FAQs and aggregators cap at VIP 3+ / 5%. Cashback paid in USDG. Virtual card only. EEA excludes Iceland and Liechtenstein. Singapore: Visa debit card launched Apr 2026 via OKX SG (MAS-licensed), powered by StraitsX. Brazil: Mastercard virtual card launched via OKX Pay. The Bank of Lithuania fined issuer UAB Monavate EUR 270,000 with a warning on 2025-11-25 for AML, management, and reporting breaches.
- **Tags:** Stablecoin Only, USDG Only

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Regular | 2% | Non-VIP, USDG transactions only; EUR 10/mo cashback cap (EEA), $50/mo (SG) |
| VIP 1 | 4% | OKX exchange VIP 1, USDG only; EUR 300/mo cashback cap (EEA), $400/mo (SG) |
| VIP 2 | 4.5% | OKX exchange VIP 2, USDG only; EUR 450/mo cashback cap (EEA), $600/mo (SG) |
| VIP 3+ | 5% | OKX exchange VIP 3+, USDG only; EUR 1,000/mo cashback cap (EEA), $800/mo (SG) |

**Our Verdict** (updated 2026-07-06)

The OKX Card is a stablecoin-funded debit card that spends directly from your OKX Pay balance, converting to fiat at the point of sale, live in the EU plus Norway since January 28, 2026 (Iceland and Liechtenstein explicitly excluded). It has since spread: Brazil got a USD card with a PIX on-ramp in November 2025, and Singapore got a Visa version in April 2026 under OKX SG's MAS licence. Note the network split: Mastercard in the EEA, Visa in Singapore, so no single network label fits. OKX also secured a Malta Payment Institution licence in February 2026, which puts the card on MiCA and PSD2 compliant rails across the EU.
The cashback design is the real story, and it is narrower than the headline. Rewards accrue only on spend funded with USDG, Paxos's Global Dollar; other stablecoin spend earns nothing. Tiers track OKX exchange VIP level, and since March 1, 2026 the EEA table runs from 2% for non-VIPs, capped at just 10 EUR a month, up to 10% for VIP 4+ with a 1,000 EUR cap. In practice, meaningful cashback requires VIP status; a non-VIP maxes out at 10 EUR a month. Singapore adds an extra hurdle: you must be an Accredited Investor to receive cashback at all.
This suits users already deep in the OKX ecosystem, particularly VIPs, who will hold USDG and want a genuinely fee-free card: no issuance, monthly, annual, or FX fees, just a 0.1% conversion spread per the current official page (launch-era press cited 0.4%). Watch out for the USDG-only cashback rule, the tiny non-VIP cap, and the fact that the EEA card is officially virtual-only for now, which also means no ATM access there. The 15-20% launch promo ended February 28, 2026, though shorter boost campaigns such as June 2026's "Free Kick" have run since.

**Recent changes**

- 2026-07-07: Cashback data corrected to 2-10% USDG with VIP-based caps (EEA EUR 10-1,000/mo, Singapore $50-$1,000/mo) per OKX's official fee pages; conversion spread corrected to 0.1% across regions
- 2026-06-19: Availability expanded to Singapore and Brazil
- 2026-03-03: Cashback range revised to 2-5%; the 15-20% launch promo ended February 28, 2026
- 2026-02-13: Tiered cashback (2-4%) replaced the flat 1% rate; rates apply to USDG-funded transactions only

### COCA Card

- **Provider:** COCA
- **Status:** active
- **Type:** Debit, Mastercard
- **Cashback:** 1-8%
- **Fee:** $0
- **Region:** 75 countries
- **KYC:** full
- **Availability:** Limited
- **Last Verified:** 2026-07-31
- **Website:** https://coca.xyz
- **Detailed Fees:** Conversion: 0%; FX: 0%; ATM: Free up to $200/mo
- **Mobile Pay:** Apple Pay, Google Pay
- **Note:** Issued by Wirex (Mastercard). Supports 4 stablecoins (USDT, USDC, EURC, EURS). Balance APY via Morpho lending markets (reports suggest 6% as of mid-2026, up from 5%). 6 tiers via held (not staked) COCA token, 30-day grace period on downgrades. 50% cashback on subscriptions across 4 categories (Video, AI, Music, Marketplaces) capped at $70/service/mo. COCA token surpassed $1B FDV Jan 2026. Zero joining/annual/FX fees. $200/mo free ATM withdrawals. WARNING: Curve-based COCA Card transactions drop to 1% cashback for tiers below Premium+ (Starter/Standard/Standard+/Premium) as of April 1, 2026; Premium+ and Elite retain full tier-rate cashback on Curve transactions (per official COCA tier T&Cs). Note: spendnode review (May 2026) describes COCA as Visa, but coca.xyz/cards page explicitly states Mastercard issued by Wirex Limited (UK)/UAB Wirex (EEA); Mastercard retained per official source. Region expanded to 75 countries (Jul 2026, up from 54).
- **Tags:** Stablecoin Only, NOT US/Canada/Australia

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Starter | 1% | 0 COCA held, no monthly cap (1% flat) |
| Standard | 3% | 300 COCA held, $1K/mo cap (1% above) |
| Standard+ | 4% | 1,000 COCA held, $1.75K/mo cap (1% above) |
| Premium | 5% | 3,000 COCA held, $2.5K/mo cap (1% above) |
| Premium+ | 6% | 10,000 COCA held, $5K/mo cap (1% above) |
| Elite | 8% | 30,000 COCA held, $10K/mo cap (1% above) |

**Recent changes**

- 2026-07-10: Regional availability expanded from 54 to 75 countries; balance APY reported at 6% (up from 5%)

### Bleap Card

- **Provider:** Bleap
- **Status:** active (Zero Fees)
- **Type:** Debit, Mastercard
- **Cashback:** 1-20% USDC
- **Fee:** $0
- **Region:** EEA + Switzerland
- **KYC:** standard
- **Availability:** EEA
- **Last Verified:** 2026-07-30
- **Website:** https://bleap.io
- **Detailed Fees:** Conversion: 0%; FX: 0%; ATM: Free up to EUR 400/mo; Top-up: 0%
- **Mobile Pay:** Apple Pay, Google Pay
- **Funding:** Methods: On-chain crypto deposit (self-custodial balance), Bank transfer
- **Issuing bank:** Unlimit EU Ltd
- **Fiat custody:** No customer e-money balance is held by Unlimit or Bleap in connection with card usage; transactions involve only transient processing flows.
- **Licence:** EMI (licence 115.1.3.7/2018) (Central Bank of Cyprus, EEA) (register: https://www.centralbank.cy/en/licensing-supervision/electronic-money-institutions/licensing-and-supervision-of-electronic-money-institutions)
- **Personal IBAN:** Yes
- **Receives third-party transfers:** Yes
- **Sends third-party transfers:** Yes
- **Banking note:** The card itself creates no payment or e-money account. Separately, where available, users can request a Dedicated IBAN provided by Monerium that mints e-money tokens to the linked wallet; Monerium may require the first inbound payment to come from an account in the user's own name.
- **Issuance:** Virtual card: $0 (no issuance cost); Physical card: $0 (no issuance cost stated; virtual vs physical not split); Time to card: Virtual card active in minutes; physical delivery time not published
- **Note:** Zero ALL fees. Category-based cashback upgraded Feb 13, 2026: 1% base on all purchases, 3% rides & food delivery (EUR 500/mo cap), 20% streaming/AI/gaming (per-merchant caps). Restaurant/supermarket 2% promo ended May 31, 2026 — reverted to 1% base. Free ATM up to EUR 400/mo. LATAM expansion: Mexico active, Brazil/Colombia/Peru rolling out. ~20K+ users. Cards are issued by Unlimit EU Ltd (Cyprus) and settle by direct-debit mandate against the user's non-custodial Bleap wallet. A restricted-nationality list applies regardless of residence.
- **Tags:** No Fee, Non-Custodial, EEA, Category Cashback

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Everything Else | 1% | All other purchases |
| Rides & Food Delivery | 3% | Uber, Bolt, Uber Eats, Deliveroo, Just Eat, Bolt Food, Glovo, EUR 500/mo cap |
| Streaming/AI/Gaming | 20% | Netflix, Disney+, Amazon Prime, ChatGPT, Claude, Gemini, Xbox, PlayStation, Nintendo Switch, YouTube Premium, Deezer (per-merchant caps apply) |

**Our Verdict** (updated 2026-07-06)

Bleap is a genuinely fee-light, self-custodial stablecoin card for European spenders who want neobank ergonomics without giving up custody. It runs on a non-custodial wallet with email-based recovery and no seed phrases, spends straight from your on-chain balance (funded by crypto or bank transfer), and settles on Mastercard rather than Visa. The fee story is the real draw: Bleap's card page advertises no issuance cost, no monthly or maintenance fees, zero FX markups, and free ATM withdrawals, though its cardholder terms note that transaction limits live in the app, so check there before relying on any specific ceiling.
The headline 20% cashback on streaming, AI, and gaming subscriptions is real and paid in USDC directly to your on-chain balance, which is unusual among self-custody cards (Gnosis Pay, EtherFi, Ready). Read it as a subscription perk rather than a spending-wide rate: it applies to a defined merchant list, Bleap's own blog cautions that rates vary by merchant, and eligibility is governed by cardholder terms that can change. Everyday spend earns a 1% base; the live cashback page also lists 2% on restaurants and supermarkets and 3% on rides and food delivery, though Bleap's February 2026 announcement described the restaurant and supermarket boost as a promotion running through 31 May 2026, so verify current category rates in the app.
Who it suits: EEA and Switzerland residents (per Bleap's cardholder terms) who subscribe to the boosted merchants and want a zero-fee, self-custody daily driver. What to watch: this is a small, young operation still building a track record. Independent user feedback is too thin to establish payout reliability, and at least one early reviewer reported advertised cashback not arriving, so treat the rewards as a bonus rather than a guarantee until a real review corpus exists.

What users report: Independent user feedback is too sparse to draw firm conclusions, which is itself the finding for a product this young. The one concrete complaint on record is a third-party listing review from February 2025 titled "Cashback does not work as advertised", in which a user reported cashback not being received after card purchases; that predates Bleap's February 2026 cashback restructure but remains the most direct reliability signal available [1]. No substantial Reddit thread corpus or app-store review base specific to the card had surfaced as of this research, so decline rates, KYC turnaround, and payout reliability remain under-documented from independent users.
Sources: https://listings.ratex42.com/listings/bleap/

**Recent changes**

- 2026-03-08: Category-based cashback recorded (1% base, 3% rides and food delivery, up to 20% streaming/AI/gaming), replacing flat 2% USDC

### Gnosis Pay

- **Provider:** Gnosis
- **Status:** active (Non-Custodial)
- **Type:** Debit, Visa
- **Cashback:** 1-5% GNO
- **Fee:** €30 one-time
- **Region:** EU/UK/LATAM
- **KYC:** standard
- **Availability:** EU/UK/LATAM
- **Last Verified:** 2026-07-30
- **Website:** https://gnosispay.com
- **Detailed Fees:** Conversion: ~1.5% stabilization fee (EURe direct spend); ATM: 5 free/mo, then 2%
- **Mobile Pay:** Apple Pay, Google Pay
- **Limits:** Daily spend: EUR 8,000 (single transaction EUR 5,000); Daily ATM: EUR 500 (single withdrawal EUR 250)
- **Funding:** Assets: EURe, USDCe, BRLA; Chains: Gnosis Chain; Methods: Self-custodial Safe smart account on Gnosis Chain, SEPA bank transfer (EUR to EURe via Monerium), USD transfer (to USDCe via Noah), BRL transfer (to BRLA via Avenia)
- **Issuing bank:** UAB Monavate (EEA); Monavate Ltd (UK)
- **Fiat custody:** The Safe holding spendable funds is a self-custodial wallet owned by the user, explicitly not an e-money or payment account, and not covered by the EU deposit guarantee scheme.
- **Licence:** EMI (Bank of Lithuania, EEA) (register: https://www.lb.lt/en/sfi-financial-market-participants/uab-monavate)
- **Licence:** EMI (Financial Conduct Authority, UK) (register: https://register.fca.org.uk/s/)
- **Personal IBAN:** Yes
- **Receives third-party transfers:** Yes
- **Sends third-party transfers:** No
- **Transfer limits:** IBAN inbound: EUR 950/day, EUR 5,000/week, EUR 20,000/month
- **Banking note:** The personal IBAN is issued by Monerium EMI ehf (Iceland), not by Gnosis Pay or Monavate, and is attached to the user's own wallet; incoming EUR converts 1:1 to EURe on Gnosis Chain. It is receive-only inside Gnosis Pay: outbound bank transfers require Monerium directly or a partner wallet. IBAN access is gated more tightly than the card (EU and EEA cardholders plus a nationality whitelist).
- **Note:** GIP-131 Intermediary Cashback Programme EXPIRED June 30, 2026 (funded by Gnosis Ltd). Post-June 30 structure TBD — no successor programme announced as of July 10, 2026. Partner-led programmes (Zeal for Europe, PicnicBR for Brazil) expected to replace DAO-funded cashback; Brazil live via PicnicBR. Tiers below reflect the expired intermediary programme; actual current rates unconfirmed. Expired tiers: ≥0.1 GNO 1%, ≥1 GNO 2%, ≥10 GNO 3%, ≥100 GNO 4%, +1% OG NFT bonus (max 5%). Weekly GNO payouts; weekly spend caps tied to GNO holdings, reset 00:00 UTC Sundays. Geographic expansion planned: USA, Mexico, Colombia, Australia, Singapore, Thailand, Japan, Indonesia, India. Safe wallet integration. ~1.5% stabilization fee. Gnosis Pay sponsors the gas fees for card transactions, so spending costs no user gas despite settling on-chain. The Bank of Lithuania fined issuer UAB Monavate EUR 270,000 with a warning on 2025-11-25 for AML, management, and reporting breaches.
- **Tags:** Non-Custodial, DeFi, Safe Wallet, GNO Staking

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Base | 1% | 0.1 GNO in Gnosis Pay Safe |
| Shrimp | 2% | 1 GNO in Gnosis Pay Safe |
| Dolphin | 3% | 10 GNO in Gnosis Pay Safe |
| Whale | 4% | 100 GNO in Gnosis Pay Safe |

### Krak Card

- **Provider:** Kraken
- **Status:** active
- **Type:** Debit, Mastercard
- **Cashback:** Up to 2%
- **Fee:** $0
- **Region:** UK + EEA
- **KYC:** full
- **Availability:** UK/EEA
- **Last Verified:** 2026-08-07
- **Website:** https://kraken.com
- **Detailed Fees:** Conversion: ~1.5%
- **Mobile Pay:** Apple Pay, Google Pay
- **Funding:** Assets: 400+ to 600+ fiat and crypto assets (official pages conflict on the count); Methods: Krak Everyday account balance, ACH (via Plaid), Debit/credit card, Apple Pay, Google Pay, PayPal
- **Issuing bank:** UAB Monavate (EEA); Monavate Ltd (UK)
- **Fiat custody:** Fiat balances are e-money issued by Kraken's Payward entities (Payward Ireland Limited in the EEA, Payward Service Limited in the UK), kept separate from the companies' own funds; the UK e-money is not covered by the FSCS.
- **Licence:** EMI (Bank of Lithuania, EEA) (register: https://www.lb.lt/en/sfi-financial-market-participants/uab-monavate)
- **Licence:** EMI (Financial Conduct Authority, UK) (register: https://register.fca.org.uk/s/firm?id=0014G00002UyCbDQAV)
- **Personal IBAN:** Yes
- **Receives third-party transfers:** Yes
- **Sends third-party transfers:** Yes
- **Banking note:** The IBAN lives in the Krak app (EUR IBAN, GBP account number), not on the Monavate-issued card. A dedicated DE-prefixed Virtual IBAN is available to eligible clients in Luxembourg, Germany, Latvia, Greece, Croatia, and Hungary. The Bank of Lithuania fined UAB Monavate EUR 270,000 with a warning on 2025-11-25 for AML, management, and reporting breaches.
- **Issuance:** Virtual card: $0; Physical card: $0 to order; $4.99 (or currency equivalent) replacement; Time to card: Virtual: minutes; physical: not specified
- **Note:** Rebranded to 'Krak Card'. 1% promo ended March 31, 2026. New 5-tier balance-based cashback system launched Mar 31: Starter 0% (<€200), Light 0.5% (€200+), Pro 1% (€1K+), Elite 1.5% (€10K+), Max 2% (€50K+). Metal Mastercard (stainless steel) for €50K+ Max-tier users, free for eligible, €60 replacement. Krak Concierge with 60% off luxury hotels and 4% travel cashback for Max tier. Cashback in EUR, GBP, or BTC. Up to 10% APY on vaults. Salary Match (up to 1% bonus). The Bank of Lithuania fined issuer UAB Monavate EUR 270,000 with a warning on 2025-11-25 for AML, management, and reporting breaches.
- **Tags:** UK/EEA, Balance-Based, Established

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Starter | 0% | Under €200 average combined assets |
| Light | 0.5% | €200+ average combined assets (Krak + Kraken) |
| Pro | 1% | €1K+ average combined assets |
| Elite | 1.5% | €10K+ average combined assets |
| Max | 2% | €50K+ average combined assets, stainless steel Metal card |

**Our Verdict** (updated 2026-07-06)

The card formerly marketed as the Kraken Card now trades as the Krak Card, a Mastercard debit card that sits on Kraken's standalone Krak money app rather than the main exchange app. It is a debit product for personal-account residents of the UK and EEA, funded from a Krak Everyday balance and spendable across what Kraken variously counts as 400+ (support FAQ) or 600+ (card page) fiat and crypto assets at Mastercard acceptance points. Krak charges no annual or monthly fee and no FX or ATM fees from its own side, but a variable conversion spread applies whenever you spend from a crypto rather than fiat balance, and third-party ATM operator fees still apply.
The headline "up to 2%" is real but heavily balance-gated. As of the June 2026 support docs the program is a five-tier, 30-day-average-balance system: Starter 0% (under 200), Light 0.5% (200+), Pro 1% (1,000+), Elite 1.5% (10,000+), Max 2% (50,000+), in GBP or EUR, paid in local currency or BTC with no monthly cap. Balances across Krak, Kraken, and Kraken Pro all count. The practical consequence: a light spender holding a small balance earns 0% to 0.5%, and the marketed 2% requires roughly 50,000 parked across the three Kraken products.
One genuinely useful wrinkle for new users: Kraken seeds new Krak customers with a welcome gift of the Max Rewards tier (2% cashback plus a 1% salary match in eligible regions) regardless of balance, so the first weeks flatter the card versus its steady-state rate; Kraken does not publish how long the boost lasts. And because the tier is locked at merchant settlement rather than at purchase, with deposits smoothed evenly across 30 days, users cannot game the rate by topping up right before a big purchase.

What users report: Verified user signal is limited because the card is new. Early Trustpilot feedback cited in third-party coverage describes slow, largely automated support responses [1]. A hands-on reviewer hit onboarding friction (OTP codes not arriving by email or SMS, with similar stories from other users suggesting a wider bug) but also reported in-app chat replies within about 30 minutes and a support team that actively responds to app-store reviews [2], so support experiences look inconsistent rather than uniformly bad. Claims about week-long account suspensions and app-stability problems could not be verified and were dropped.
Sources: https://coincodecap.com/krak-card-review https://www.bitdegree.org/money-transfer/krak-app-review

**Recent changes**

- 2026-04-02: New 5-tier balance-based cashback (up to 2%) replaced the flat 1% promo, which ended March 31, 2026
- 2026-02-13: Rebrand to Krak Card recorded

### Bitget Wallet Card

- **Provider:** Bitget
- **Status:** active
- **Type:** Debit, Visa/Mastercard
- **Cashback:** 2-3% assetback + 10% APY
- **Fee:** $0
- **Region:** EU/UK/LATAM/APAC/Africa
- **KYC:** full
- **Availability:** EU/UK/LATAM/APAC/Africa
- **Last Verified:** 2026-08-07
- **Website:** https://bitget.com
- **Detailed Fees:** ATM: 1% (min $5), excluded from monthly 0-fee quota; Inactivity: $1/mo after inactivity
- **Mobile Pay:** Apple Pay, Google Pay
- **Personal IBAN:** No
- **Banking note:** No EEA/UK cardholder agreement is publicly available, and Bitget's own documents conflict on the issuer (Immersve/Mastercard on Bitget Wallet pages vs ReapPay Europe Limited/Visa in Bitget's support-centre card terms). The card is topped up with stablecoins only; no IBAN or bank rails exist on the platform. Bitget EU's MiCAR authorisation in Austria is pending per Bitget's own support centre.
- **Note:** Assetback replaced the previous physical-card-only cashback model globally on August 1, 2026: all cardholders earn 2% (Base Tier) and new users or those meeting the monthly spending threshold earn 3% (Booster Tier). The Booster threshold is market-dependent: $200/mo eligible spend in EEA/UK, Singapore, South Korea, Japan, Malaysia, Taiwan, Australia and mainland China, $100/mo across LATAM, Vietnam, Thailand, the Philippines, South Africa and Pakistan. Reaching it applies 3% retroactively to every eligible purchase in that calendar month and keeps Booster active through the following month. Rewards are paid in a chosen asset, BTC, tokenized gold (XAUT), tokenized US equities and ETFs via xStocks (NVIDIA, Tesla, Google, S&P 500), or USDC. The 0-fee spending program ended July 31, 2026 (23:59 UTC+8) and each user's old monthly 0-fee limit carried over unchanged as their monthly cashback-eligible spending cap (a $600/mo 0-fee limit became a $600/mo eligible cap). Up to 10% APY via Stablecoin Earn Plus (built on Aave). 10% guaranteed on first $10,000 USDC, 4-5% above. Physical card ($49) launched April 1, 2026 with fee-free ATM withdrawals (APAC first); before Aug 1, 2026 it earned 2.2% (5% first 30 days) while virtual cards earned nothing. Africa expansion May 2026 (South Africa live; Nigeria, Ghana, Kenya next). South Asia expansion July 2026: Pakistan, India, Sri Lanka, Bangladesh, Nepal. 1.70% spending fee, $400/mo standard zero-fee quota ($600/mo standard physical, $800/mo early-adopter). LATAM: Argentina, Brazil, Chile, Colombia, Ecuador, El Salvador, Guatemala, Mexico, Panama, Peru. APAC: Singapore, Japan, South Korea, Vietnam, Malaysia, Taiwan, Australia, Thailand, Philippines.
- **Tags:** EU/UK/LATAM/APAC/Africa, Assetback

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Base Tier | 2% | All cardholders (virtual and physical), 2% assetback on eligible spend up to the monthly cap carried over from the old 0-fee quota |
| Booster Tier | 3% | New cardholders, or $200/mo eligible spend (EEA/UK, Singapore, South Korea, Japan, Malaysia, Taiwan, Australia, mainland China) / $100/mo (LATAM, Vietnam, Thailand, Philippines, South Africa, Pakistan); 3% assetback within the same monthly cap |

### KAST Card

- **Provider:** KAST
- **Status:** active (Solana)
- **Type:** Debit, Visa
- **Cashback:** 1.5-3% USD (+ KAST Points)
- **Fee:** $0-$10,000/yr
- **Region:** 170+ countries
- **KYC:** standard
- **Availability:** Global
- **Last Verified:** 2026-07-31
- **Website:** https://kast.xyz
- **Detailed Fees:** Conversion: ~1-2%; FX: 0% (Jun 1-Aug 31 promo; standard 0.5-1.75%); ATM: $3 + 2%; Inactivity: $1/mo after 12 months
- **Mobile Pay:** Apple Pay, Google Pay
- **Note:** May 2026 restructure: replaced Season-based KAST Points + $MOVE token rewards with USD stablecoin cashback membership model. Standard 1.5% (free), Premium 2% ($1K/yr), Private 3% ($10K/yr). Premium/Private also earn uncapped KAST Points (1%/2%). $MOVE token layer discontinued for new transactions. Founders tier closed to new enrollments Apr 11, 2026. 0% FX promo Jun 1-Aug 31. $KAST TGE still pending (Q4 2026 target). $80M Series A at $600M valuation (Mar 2026, QED/Left Lane). 1M+ users, ~$5B annualized volume. Pengu Card line is separate product via Pudgy Penguins co-brand. USD cashback is timelocked 14 days and applies to next card purchase (not withdrawable as cash). Private monthly cap recorded as $40,000 per KAST's May 2026 launch coverage; an older KAST page listed $50,000, so confirm in-app before relying on the ceiling. Memberships moved from card-level subscriptions to account-level tiers, so cashback, card access, points, and billing now attach to one membership rather than to each card.
- **Tags:** Global, Solana, Membership Tiers, High Risk

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Standard | 1.5% | Free, 1.5% USD cashback on first $2K/mo |
| Premium | 2% | $1,000/yr, 2% USD on first $10K/mo + 1% KAST Points uncapped |
| Private | 3% | $10,000/yr, 3% USD cashback on first $40,000/mo spend + 2% KAST Points uncapped |
| Solid Gold | 3% | Invite only, limited to 100 cards globally, $30K/mo cap |

### Avalanche Card

- **Provider:** Rain (via Avalanche)
- **Status:** active
- **Type:** Credit, Visa
- **Cashback:** 0%
- **Fee:** $0
- **Region:** US (select states)/LATAM/Caribbean
- **KYC:** full
- **Availability:** US/LATAM/Caribbean
- **Last Verified:** 2026-07-31
- **Website:** https://www.avalanchecard.com
- **Detailed Fees:** Conversion: 0%; FX: 1%; ATM: Not supported
- **Mobile Pay:** Apple Pay, Google Pay
- **Funding:** Assets: USDC, USDT, AVAX, wAVAX; Chains: Avalanche; Methods: Crypto deposit to a per-asset self-custody wallet address
- **Issuance:** Virtual card: $0; Physical card: $0; Time to card: Physical: 14 to 30+ business days
- **Note:** Fully launched and accepting applicants. Collateral-backed Visa credit card (0% APR revolving line, statement billing, no credit check) built on Rain infrastructure with non-custodial smart-contract collateral on Avalanche C-Chain. USDC/USDT count 100% toward the credit limit; AVAX/wAVAX count 50%. An AVAX rewards program on qualifying purchases exists, but rates are not publicly disclosed (cashback shown as 0%). Ava Labs joined the Mastercard Crypto Partner Program for future products (not this card). Sign-ups open in US (34 eligible states; excludes 16: AZ, DE, GA, ID, LA, MD, NV, NM, ND, OH, OR, RI, SD, VT, WA, WI), LATAM, and Caribbean. Country-level exclusions include Nigeria, India, China, Russia, Turkey, Israel, Ukraine, Iran, Iraq, Nepal, Nicaragua, Sri Lanka, North Korea, Cuba, Venezuela, Syria, Vietnam, Belarus. Self-custody via Avalanche wallet. Supports USDC, USDT, AVAX, wAVAX as collateral.
- **Tags:** Regional, Launched Feb 2025, No Fee

**Cashback Tiers**

No tier data available.

**Our Verdict** (updated 2026-07-06)

The Avalanche Card is a live, non-custodial spending card launched in February 2025 by the Avalanche Foundation with issuer Rain, activated for early adopters at ETHDenver. It runs on the Visa network and its defining feature is that your crypto collateral stays in a self-custody wallet built on Portal's MPC technology (no seed phrases), with spending power set dynamically by the value of that collateral. There are no rewards of any kind, which the official site confirms by omission: no cashback program is mentioned anywhere.
Officially it is a crypto-powered debit card backed by collateral you keep in your own wallet, not a credit line. Issuance is genuinely free: no monthly, virtual, physical, or shipping fees, though a 1% FX fee applies. The issuer behind it is well capitalized: Rain raised a $250M Series C in January 2026 at a roughly $1.95B valuation and now works with both Visa and Mastercard.
This suits AVAX and stablecoin holders in eligible US states, LATAM, and the Caribbean who want to spend without handing custody to a centralized exchange and do not need rewards. Watch out for: full identity verification (SSN or national ID, government ID, and a selfie); no cashback at all; network gas on on-chain top-ups even though the card itself charges no conversion fee; slow physical delivery (14 to 30+ business days); and a thin, mixed user-review base flagging withdrawal friction.

What users report: Real user chatter is thin and concentrated on the iOS App Store, where "Avalanche Card - Pay Anywhere" by Rain Liquidity LLC sits at 3.1 stars across just 26 ratings, so treat this as limited-sample evidence rather than robust sentiment [1]. The standout negative theme is withdrawal friction: one reviewer reported depositing 36 AVAX and being unable to withdraw any funds days later, with support giving no resolution timeline [1]. App stability is also a theme: reviewers cite a card-details page stuck loading after locking the virtual card and frequent forced re-logins, and one reviewer disputed the claimed 24/7 support [1]. No legitimate Trustpilot page exists for this card and no verifiable Reddit threads surfaced, so third-party blog claims of positive community reception remain unverified.
Sources: https://apps.apple.com/us/app/avalanche-card-pay-anywhere/id6737233538

**Recent changes**

- 2026-07-07: Coverage corrected to US (34 eligible states), LATAM, and Caribbean per the official site; KYC recorded as full; FX fee corrected to a flat 1%
- 2026-04-02: Availability expanded to Southeast Asia and Africa
- 2026-03-03: Full launch with US availability recorded; confirmed as a no-cashback spending card

### Fold Card

- **Provider:** Fold
- **Status:** active (Bitcoin)
- **Type:** Debit, Visa
- **Cashback:** 0.5-1.5% BTC
- **Fee:** $0-$100/yr
- **Region:** US Only
- **KYC:** standard
- **Availability:** US
- **Last Verified:** 2026-07-31
- **Website:** https://foldapp.com
- **Detailed Fees:** Conversion: 0% (USD-funded); FX: 3%; ATM: $2.50/withdrawal
- **Mobile Pay:** Apple Pay, Google Pay
- **Note:** Unified app launched Feb 4, 2026. Fold+ ($100/yr) still active but company transitioning rewards model; free tier earns ~0.5% BTC + Spin Wheel. Boosts up to 2% BTC plus 1.5% on bill pay and up to 15% at select merchants. Fold Credit Card (separate entry) launched May 27, 2026. Fold is publicly traded (NASDAQ: FLD). BitGo custody with $250M insurance. Jan 28, 2026 CEO letter announced elimination of Fold+ subscriptions with pro-rated refunds, but as of July 2026 the transition is incomplete — pricing page and support docs still reference Fold+ at $100/yr. Merchant boosts run 5-15% at select merchants; category boosts 1.5%.
- **Tags:** US Only, Bitcoin, Gamified

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Basic | 0% | Free, spin wheel rewards only |
| Fold+ Base | 0.5% | $100/yr, all purchases |
| Fold+ Boosted | 1.5% | $100/yr, rotating categories |

### Rain Card

- **Provider:** Rain
- **Status:** active (B2B)
- **Type:** Debit, Visa / Mastercard
- **Cashback:** 0%
- **Fee:** $0
- **Region:** 150+ countries (partner-dependent)
- **KYC:** standard
- **Availability:** Global
- **Last Verified:** 2026-07-31
- **Website:** https://www.rain.xyz
- **Note:** Corporate/B2B stablecoin payments infrastructure. NOT for US individuals. Direct Visa membership + Mastercard Principal Member (announced May 2026). $250M Series C (Jan 2026) at $1.95B valuation (17x increase in 10 months), led by ICONIQ; total funding >$338M. Plans on-chain settlement with Mastercard for selected flows using regulated stablecoins. $3B+ annualized volume. Powers cards for Phantom, Avalanche, and others. Offers an Agent Control Layer (programmatic spend controls for AI agents, production usage self-reported); Mastercard Agent Pay for Machines launch partner (June 2026). Launched Rain Rewards in 2026, an integrated loyalty layer that partners can attach to card programmes built on Rain; the Rain-branded card itself still carries no cashback.
- **Tags:** Non-Custodial, B2B, Stablecoin Only, Agentic

**Cashback Tiers**

No tier data available.

**Our Verdict** (updated 2026-07-07)

Rain is not a card you can apply for. It is the issuing and settlement layer behind other companies' cards: "Through a single API, Rain helps companies launch stablecoin-powered cards, manage digital dollar accounts, and move money across borders". Consumers never sign up with Rain directly; they use partner-branded cards that Rain powers, such as ether.fi Cash and KAST, and independent coverage describes it the same way: rather than issuing cards to consumers, Rain provides the infrastructure for partners to launch card programs. If you are comparing cards to pick one, the relevant products are the partner cards, several of which this site lists separately. Also mind the name: this is rain.xyz, not Rain the Bahrain-licensed retail exchange at rain.com.
As infrastructure, the credentials check out. Rain states it is a Visa Principal Member able to issue directly into programs reaching over 150 million merchant locations in more than 150 countries, and it settles card transactions with Visa daily using stablecoins. It became a Mastercard Principal Member in 2026, independently covered by The Block, with plans to explore settling select program flows onchain using regulated stablecoins. It raised a $250M Series C at a $1.95B valuation led by ICONIQ in January 2026 and self-reports over 200 partners and more than $3B in annualized transaction volume; treat those scale figures as company claims, not audited numbers.
What to watch: every consumer-facing attribute (fees, rewards, limits, KYC, supported assets) is set by the partner program, not by Rain, which issues both credit and prepaid cards depending on the program. So no fixed fee or cashback number honestly describes "a Rain card", and regional availability is likewise partner-dependent; ether.fi Cash, for example, is unavailable in about twenty US states rather than being cleanly "not for the US". This entry is best read as an issuer profile: if a card you are considering names Rain as its issuing partner, that is a real, well-capitalized principal member of both networks, but the terms you will actually live with belong to the partner, not to Rain.

What users report: There is no meaningful consumer review footprint for Rain itself, which is expected for a B2B issuer: no Trustpilot or app-store presence surfaced for rain.xyz, and coverage is dominated by Rain's own resource pages, investor posts, and press releases rather than independent developer or partner complaints. Partner case studies exist (ether.fi passing $1M in volume within a month of launch) but they are Rain's own marketing and should not be read as independent sentiment [1]. Independent press confirms the infrastructure role and partner roster, which is the closest thing to third-party verification available [2]. Developer and partner satisfaction is not established either way.
Sources: https://www.rain.xyz/resources/from-launch-to-1m-in-1-month----heres-how-ether-fi-did-it https://www.coindesk.com/business/2025/05/29/rain-expands-stablecoin-visa-cards-to-solana-tron-and-stellar-as-digital-payment-gains-momentum

**Recent changes**

- 2026-07-07: Coverage corrected to 150+ countries (partner-dependent) per Rain's official announcements

### Holyheld Card

- **Provider:** Holyheld
- **Status:** active
- **Type:** Debit, Mastercard
- **Cashback:** 0.5-1% USDC
- **Fee:** €29-€199 one-time
- **Region:** EEA (30 countries)
- **KYC:** standard
- **Availability:** EEA
- **Last Verified:** 2026-07-30
- **Website:** https://holyheld.com
- **Detailed Fees:** Conversion: 0%; FX: 0% EEA / 2.5% + €1 international; ATM: ~2.5%; Inactivity: €1/mo after 4-5 months
- **Mobile Pay:** Apple Pay, Google Pay
- **Limits:** Daily spend: EUR 10,000; Monthly spend: EUR 25,000; Daily ATM: EUR 1,000 (EUR 5,000 per 30 days)
- **Issuing bank:** Unlimit EU Ltd
- **Fiat custody:** Funds held on the Unlimit account do not constitute a deposit; Holyheld itself states it is never in possession or control of user funds or crypto-assets.
- **Licence:** EMI (licence 115.1.3.7/2018) (Central Bank of Cyprus, EEA) (register: https://www.centralbank.cy/en/licensing-supervision/electronic-money-institutions/licensing-and-supervision-of-electronic-money-institutions)
- **Personal IBAN:** Yes
- **Receives third-party transfers:** Yes
- **Sends third-party transfers:** Yes
- **Transfer limits:** No published IBAN limit; outgoing transfers use SEPA Instant
- **Banking note:** The personal IBAN sits on an Unlimit-provided account inside the Holyheld app alongside the card, and supports both incoming and outgoing SEPA transfers including salary and rent payments.
- **Note:** Supports 20+ blockchains (Ethereum, Arbitrum, Optimism, Base, Polygon, Solana, Avalanche, BNB Chain, zkSync, Gnosis, Mode, Starknet, Berachain, Hyperliquid, Plume, Ink, Manta Pacific, Blast, Aleph Zero EVM, Polygon zkEVM, Plasma), 1,200+ cryptos. No staking required. Cashback paid in USDC, claimable on any supported chain (30-day claim delay). €125/mo cashback cap. 30 EEA countries. Also offers Limited Edition card (€99, same 0.5% rate as Classic — collector/design tier). Top-ups are gasless: Holyheld sponsors the gas, so the user pays no on-chain gas to fund the card. Card spending settles on-chain from the user's own connected wallet via the Holyheld smart contract, across 20+ supported networks. Dormancy fees apply after 4 months (card) and 5 months (IBAN).
- **Tags:** Non-Custodial, Multi-Chain, EEA

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Classic | 0.5% | €29 one-time card fee |
| Metal | 1% | €199 one-time card fee |

### Curve Card

- **Provider:** Curve
- **Status:** active
- **Type:** Aggregator, Mastercard
- **Cashback:** 1% at select retailers (fiat only)
- **Fee:** £0-€179.90
- **Region:** UK/EU
- **KYC:** standard
- **Availability:** UK/EU
- **Last Verified:** 2026-07-31
- **Website:** https://curve.com
- **Detailed Fees:** FX: 0% first £250/mo, then 2%; ATM: 2% or £2 min (free on paid plans)
- **Mobile Pay:** Apple Pay, Google Pay, Samsung Pay
- **Note:** NOT primarily crypto - card aggregator. Crypto rewards DISCONTINUED Oct 2023 due to regulatory reasons; cashback is now fiat-only (1% at select retailers, up to 20% brand offers). US market DISCONTINUED July 2024. Lloyds Banking Group acquisition completed (~£120M, May 2026); IDC Ventures (12% stake) filed High Court challenge.
- **Tags:** Card Aggregator, NOT Primarily Crypto, NOT US

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| All plans | 1% | Fiat-only cashback at select retailers (crypto rewards discontinued Oct 2023) |

### Bitpanda Card

- **Provider:** Bitpanda
- **Status:** active
- **Type:** Debit, Visa
- **Cashback:** 1% (in crypto used)
- **Fee:** €9.90 one-time
- **Region:** Eurozone
- **KYC:** standard
- **Availability:** Eurozone
- **Last Verified:** 2026-07-31
- **Website:** https://bitpanda.com
- **Detailed Fees:** Conversion: ~2.99%
- **Mobile Pay:** Apple Pay, Google Pay
- **Note:** BEST token merged into Vision (VSN) token July 2025 (1 BEST = 4.91 VSN). Old BEST VIP tiers replaced with flat 1% cashback on crypto-funded purchases. Cashback paid in same crypto used. Vision (VSN) Loyalty Programme restructured in 2026: no longer fixed VIP tiers keyed to VSN holdings — benefits now scale dynamically, and Club access can also be qualified via trading activity, not holdings alone. Any BEST or PAN still held on Bitpanda was automatically converted to VSN on July 16, 2026. High conversion ~2.99%.
- **Tags:** Eurozone Only, Vision (VSN) Loyalty

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Standard | 1% | Flat 1% on crypto-funded purchases |

### Bitsa Card

- **Provider:** Bitsa
- **Status:** active
- **Type:** Debit, Visa
- **Cashback:** 0%
- **Fee:** €20 physical
- **Region:** EEA
- **KYC:** standard
- **Availability:** EEA
- **Last Verified:** 2026-07-31
- **Website:** https://bitsa.com
- **Detailed Fees:** Conversion: 1.89-2.39% (tier-based); FX: 0% Eurozone / 1.75% non-euro EU / 2% RoW; ATM: Eurozone: operator only; non-euro EU: €0.55 + 1% (min €0.75); RoW: same; Top-up: 1.5% external card; vouchers 0-6%
- **Mobile Pay:** Apple Pay, Google Pay, Samsung Pay
- **Note:** Tiered Visa prepaid card available across EEA (Spain, France, Germany, Italy, Portugal, Netherlands, Austria, Belgium, etc.). Three plans: Free (EUR 1,500/day), Move (EUR 8.99/yr, EUR 5,000/day), Pro (EUR 69.99/yr, EUR 15,000/day, up to 15% cashback marketed in Pro). Funding via crypto or bank transfer. Apple Pay, IBAN/SEPA banking integration. €2.50 virtual card available.
- **Tags:** EEA, Spain-Based, No Cashback

**Cashback Tiers**

No tier data available.

### Xapo Card

- **Provider:** Xapo Bank
- **Status:** active
- **Type:** Debit, Visa / Mastercard
- **Cashback:** 0.2-1% BTC
- **Fee:** $1,000/yr
- **Region:** 110+ countries
- **KYC:** full
- **Availability:** Global
- **Last Verified:** 2026-07-31
- **Website:** https://www.xapobank.com
- **Detailed Fees:** Conversion: 0.1% BTC spread; FX: 0%
- **Mobile Pay:** Apple Pay, Google Pay
- **Funding:** Assets: USD, BTC, USDC, USDT; Chains: Bitcoin (Lightning supported); Methods: Bank transfer (USD/GBP/EUR via SWIFT, FedACH/RTP, Faster Payments, SEPA), Crypto deposit (BTC incl. Lightning, USDC, USDT)
- **Issuance:** Physical card: $0
- **Note:** Relaunched as Xapo Bank. $1,000/yr annual membership required. Cashback tiered by region/card type: 0.2% on SEPA, 0.5% on Plastic/Virtual outside SEPA, 1% on Metal outside SEPA. Ultra-low 0.1% BTC spread. No FX fees. Expanded merchant categories for cashback eligibility (utilities, car rentals, professional services). EU debit card variants now available.
- **Tags:** Global, Private Bank, Premium

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| SEPA | 0.2% | $1,000/yr membership, all SEPA transactions |
| Plastic/Virtual outside SEPA | 0.5% | $1,000/yr membership |
| Metal outside SEPA | 1% | $1,000/yr membership, Metal card |

**Our Verdict** (updated 2026-07-06)

The Xapo Card only exists inside a paid Xapo Bank membership, and the price of entry is real: USD 1,000 per year, with a single membership tier and no cheaper route to the card. Xapo softens this with a 30-day risk-free trial (money back if you cancel) and a refer-a-friend offer that pays both sides USD 500 in Bitcoin. The card itself costs nothing on top: the metal card has a 0 USD issuance fee, there is no FX fee, and BTC conversions carry a reduced 0.10% spread. Replacements are free once a year, then $25, or $100 for an emergency replacement.
Cashback is modest and depends on card material: up to 1% in BTC with the metal card and up to 0.5% with plastic or virtual, deposited automatically to the in-app Bitcoin balance. Even at the full 1%, offsetting the USD 1,000 membership on rewards alone would take USD 100,000 of annual card spend, so nobody should buy in for the cashback. Xapo's marketing sticks to "up to 1%," and rates on European purchases run lower still, so treat the headline as a ceiling rather than an expectation.
This is a spend-from-savings tool for people who already bank Bitcoin with Xapo, not a rewards card. It spends from USD or BTC balances in over 110 countries, converts incoming USDC/USDT to USD on arrival, moves money over SWIFT, ACH, Faster Payments, SEPA, and Lightning, and gives free ATM withdrawals up to USD 100 per month before a 2% fee applies. It suits a long-term BTC holder who wants a regulated Gibraltar bank with interest, Bitcoin-backed services, and human support bundled together. For anyone whose only interest is the card, the math does not work.

**Recent changes**

- 2026-07-07: Metal card rate corrected to 1% BTC (range 0.2-1%) per Xapo's official blog; the 1.1% figure traced only to a third-party aggregator
- 2026-05-09: Metal card rate outside SEPA recorded at 1.1% BTC (range now 0.2-1.1%)
- 2026-02-13: Cashback range revised to 0.2-1% BTC with region- and card-type-based tiers (SEPA rate down from 0.5%)

### xKard

- **Provider:** Xhype
- **Status:** active
- **Type:** Debit, Visa
- **Cashback:** 0%
- **Fee:** $0 (subscription $9-$49/mo)
- **Region:** Global (excl. US + sanctioned)
- **KYC:** optional
- **Availability:** Global excl. US + sanctioned
- **Last Verified:** 2026-07-30
- **Website:** https://www.xkard.io/
- **Detailed Fees:** Top-up: ~2.3-4.5%
- **Mobile Pay:** Apple Pay, Google Pay
- **Personal IBAN:** No
- **Note:** Prepaid virtual, USDT only (BEP20 or TRC20). Marketed no-KYC but AML screening can force verification. Invitation code required to register. Tier subscriptions: Essential $9/mo, Premium $19/mo, Whale $49/mo (billed annually). Top-up commission 2.3-4.5% by tier. Annual recharge limits approx $25k / $50k / $100k. Rewards are Xtraveler travel points, not cashback. xKard v2 launched May 2026 with lower fees and self-custodial features. US availability is not confirmed (UAE-issued); treated as not US-available. Confirm exact fees before relying on them. xKard publishes no issuer, no BIN sponsor, and no licence, stating only that cards are issued through unnamed licensed partners; the operating entity is XHYPE FZCO (Dubai) under UAE law. Funding is crypto-only (USDT on BNB Chain or Tron) into a custodial prepaid balance, so despite non-custodial marketing the balance is not self-custodied. Recharge commission runs 2.3% to 4.5% by tier.
- **Tags:** Global, Virtual Only, No Cashback, Low KYC, Stablecoin, NOT US

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Standard | 0% | Travel points only, not cashback |

### Bitwala Card

- **Provider:** Bitwala
- **Status:** active
- **Type:** Debit, Visa
- **Cashback:** 0%
- **Fee:** 1% trading
- **Region:** EEA (29 countries)
- **KYC:** full
- **Availability:** EEA
- **Last Verified:** 2026-07-30
- **Website:** https://bitwala.com
- **Detailed Fees:** Conversion: €0.20 + 1%; ATM: €2 + 1%
- **Mobile Pay:** Google Pay
- **Limits:** Daily spend: EUR 10,000; Monthly spend: EUR 10,000 (Tier 1); EUR 15,000 (Tier 2); Daily ATM: EUR 350 (EUR 3,000 per month)
- **Issuing bank:** Wallester AS
- **Fiat custody:** Fiat is not held as a payment account balance in the user's name; the programme manager safeguards it under applicable regulatory obligations until it is spent, withdrawn, or returned.
- **Licence:** Payment institution (licence no. 4.1-1/224) (Finantsinspektsioon, EEA) (register: https://www.fi.ee/en/supervised-entities)
- **Personal IBAN:** No
- **Transfer limits:** Outbound EUR 10,000 per month (Tier 1)
- **Banking note:** The vIBAN is explicitly not in the user's name: it is a virtual account over a payment account held in the platform provider's name. Pay-ins and pay-outs are own-name SEPA only.
- **Note:** Relaunched November 2023 (after Nuri insolvency, Aug 2022) in partnership with Striga (Estonia, subsidiary of Lastbit). Available in 29 EEA countries via mobile app (iOS/Android). 1% trading fee; Visa Debit Card, virtual IBANs, and wallets are free. €2M+ raised via BWALA Token offering as of early 2026. Cards are available to EEA residents only (Swiss residents get the platform but not the card), and Hungary onboarding is suspended. Crypto is self-custodial at rest with user-paid gas, but card spending settles from a centralized euro balance.
- **Tags:** EEA, Self-Custody, No Cashback

**Cashback Tiers**

No tier data available.

### Bing Card

- **Provider:** BingCard
- **Status:** active
- **Type:** Debit, Visa/Mastercard
- **Cashback:** 0%
- **Fee:** $0
- **Region:** Global (NOT US)
- **KYC:** standard
- **Availability:** Global excl. US
- **Last Verified:** 2026-07-31
- **Website:** https://www.bingcard.com/
- **Detailed Fees:** Conversion: ~1-2% top-up; FX: ~1-1.5%; ATM: ~2-2.5%; Top-up: ~1-2%
- **Note:** Prepaid. Marketed a no-ID virtual tier (Exclusive, Star, email only), but KYCnot.me now classifies BingCard Level 4 (mandatory KYC for key features, and KYC can be demanded at any time), so the no-KYC claim is unreliable; physical Platinum tier requires full KYC. Virtual tiers support Visa/Mastercard; physical Platinum is Visa. Tiered issuance fees (approx $25 / $40 / $168). FX approx 1-1.5%, ATM approx 2-2.5%, top-up approx 1-2%. Blocks all US persons. Confirm exact fees and current KYC requirements before relying on them.
- **Tags:** Global, Virtual + Physical, No Cashback, NOT US

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Standard | 0% | No cashback |

### SpectroCoin Card

- **Provider:** SpectroCoin
- **Status:** active
- **Type:** Debit, Visa
- **Cashback:** 0%
- **Fee:** €1/mo (€12/yr)
- **Region:** EEA + UK (30+ countries)
- **KYC:** standard
- **Availability:** EEA/UK
- **Last Verified:** 2026-07-31
- **Website:** https://spectrocoin.com
- **Detailed Fees:** Conversion: 1% load + €0.25 per online txn; FX: 3%; ATM: €1 + 0.50% EU / +1.00% UK / +1.50% RoW; Top-up: 1%
- **Mobile Pay:** Apple Pay
- **Note:** Available in 30+ EEA countries + UK. Issued by UAB Pervesk (Lithuania, Bank of Lithuania EMI license). Supports BTC/ETH and 50+ cryptocurrencies for card funding via in-app conversion. Card itself is free; €1.15/mo (≈€12/yr) maintenance fee. 3% FX on non-EUR transactions. Both physical and virtual cards available with free shipping.
- **Tags:** EEA/UK, NOT US, No Cashback

**Cashback Tiers**

No tier data available.

### Pundi X XPASS Card

- **Provider:** Pundi X
- **Status:** active
- **Type:** POS System, N/A
- **Cashback:** N/A
- **Fee:** N/A
- **Region:** XPOS merchants
- **KYC:** standard
- **Availability:** Limited
- **Last Verified:** 2026-07-31
- **Website:** https://pundix.com
- **Note:** NOT standalone debit card. NFC contactless smart card paired with XWallet/XPOS, used at XPOS-merchant locations only. XPOS deployed in 25+ markets globally (SEA, US, Spain, Argentina, South Korea, Australia, Colombia, Japan, Taiwan). Pundi AIFX OmniLayer shut down March 1, 2026 with mandatory asset migration to Ethereum. Company rebranding to 'Pundi AI' with strategic pivot to decentralized AI data infrastructure (OptimAI Network, GAEA partnerships). XPOS/XPASS payment ecosystem remains operational but is no longer the company's strategic focus. Card product is niche, not a general-purpose debit card.
- **Tags:** NOT General Purpose, XPOS Only

**Cashback Tiers**

No tier data available.

### Phantom Cash Card

- **Provider:** Phantom
- **Status:** active (New)
- **Type:** Debit, Visa
- **Cashback:** 0% (rewards coming later)
- **Fee:** $0
- **Region:** US (excl NY)
- **KYC:** full
- **Availability:** US
- **Last Verified:** 2026-07-31
- **Website:** https://phantom.com
- **Detailed Fees:** Conversion: 0%
- **Mobile Pay:** Apple Pay, Google Pay
- **Note:** Now in general availability (no longer early access). Prepaid Visa debit via Lead Bank/Bridge Ventures (Program Manager). Virtual card only (physical not yet available). Apple/Google Pay. On-chain stablecoin-to-fiat conversion. NOT available in NY. Alaska exclusion appears lifted as of mid-2026. No EU/UK timeline announced, global expansion via Stripe planned. Passive rewards on unspent balance coming later 2026.
- **Tags:** US Only, Solana, Self-Custody, Visa

**Cashback Tiers**

No tier data available.

### Baanx / Ledger CL Card

- **Provider:** Baanx (Crypto Life)
- **Status:** active (Self-Custody)
- **Type:** Debit, Visa
- **Cashback:** 1-2%
- **Fee:** $0
- **Region:** US/UK/EU/LATAM/Canada
- **KYC:** standard
- **Availability:** Global
- **Last Verified:** 2026-07-30
- **Website:** https://www.withcl.com/card
- **Detailed Fees:** Conversion: 1.75% + 2% card spend; FX: 1.75%; ATM: 1.5%
- **Mobile Pay:** Apple Pay, Google Pay
- **Issuing bank:** UAB Monavate (EEA); Monavate Ltd (UK)
- **Fiat custody:** Card balances are e-money regulated by the FCA or the Bank of Lithuania; fiat held on the platform outside the safeguarded e-money account is not e-money and is not protected by the FSCS or the Financial Ombudsman Service.
- **Licence:** EMI (Bank of Lithuania, EEA) (register: https://www.lb.lt/en/sfi-financial-market-participants/uab-monavate)
- **Licence:** EMI (Financial Conduct Authority, UK) (register: https://register.fca.org.uk/s/)
- **Personal IBAN:** No
- **Banking note:** Withdrawals go only to a name-matched linked bank account; no personal IBAN is provided.
- **Note:** Also available as Ledger CL Card. 1.75% FX/conversion + 2% card spend fee on crypto-funded transactions (~3.75% total) erodes cashback. NOT available in NY/VT. Cashback: 1% BTC/USDC (US) or BTC/USDT (RoW), 2% in BXX. Exodus COMPLETED acquisition of Baanx/Monavate (May 1, 2026) for $76.27M (Monavate+Baanx.com) + $5M cash + $25M deferred (Baanx US). W3C Corp defaulted on $70M loan; receivers appointed Apr 28, 2026. Card services expected to continue unchanged under Exodus ownership. Despite self-custody branding, the governing Crypto Life terms state that on transferring crypto into a Baanx wallet, possession and ownership pass to Baanx and the user retains no proprietary title, and Crypto Life's own FAQ confirms funds moved to the card are no longer under self-custody. Baanx itself is FCA-registered as a cryptoasset business under money-laundering regulations only, which is not an e-money or payment authorisation. The Bank of Lithuania fined issuer UAB Monavate EUR 270,000 with a warning on 2025-11-25 for AML, management, and reporting breaches.
- **Tags:** Global, Ledger Integration, Visa

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| BTC/USDC | 1% | Default reward |
| BXX Token | 2% | Select BXX as reward currency (cashback paid in BXX) |

### 1inch Card

- **Provider:** 1inch (via Baanx)
- **Status:** active
- **Type:** Debit, Mastercard
- **Cashback:** Up to 2%
- **Fee:** $0
- **Region:** UK/EEA
- **KYC:** standard
- **Availability:** EEA/UK
- **Last Verified:** 2026-07-30
- **Website:** https://1inch.com/card
- **Detailed Fees:** Conversion: 1.75%; FX: 0%; ATM: 2%
- **Mobile Pay:** Apple Pay, Google Pay
- **Issuing bank:** UAB Monavate (EEA); Monavate Ltd (UK)
- **Fiat custody:** Card balances are e-money regulated by the FCA or the Bank of Lithuania; fiat held on the platform outside the safeguarded e-money account is not e-money and is not protected by the FSCS or the Financial Ombudsman Service.
- **Licence:** EMI (Bank of Lithuania, EEA) (register: https://www.lb.lt/en/sfi-financial-market-participants/uab-monavate)
- **Licence:** EMI (Financial Conduct Authority, UK) (register: https://register.fca.org.uk/s/)
- **Personal IBAN:** No
- **Banking note:** Withdrawals go only to a name-matched linked bank account; no personal IBAN is provided.
- **Note:** Physical and virtual cards available (physical rollout confirmed via official 1inch blog, 2026). Powered by Baanx/Crypto Life (acquired by Exodus, May 2026). 0% FX fee, 1.75% crypto conversion fee on every transaction. €5K/mo spend cap, $500/day ATM (2% fee). EUR 4,800/mo cashback cap. Cashback selectable as 2% BXX, 1% BTC, or 1% USDT/1INCH. Runs on the same Crypto Life programme as the Baanx card, whose terms state that crypto transferred into the wallet passes in ownership to the operator, so the balance is custodial and no user gas applies at point of sale. 1inch officially states only that the card is available in the UK and EEA. The Bank of Lithuania fined issuer UAB Monavate EUR 270,000 with a warning on 2025-11-25 for AML, management, and reporting breaches.
- **Tags:** DeFi, EEA/UK, Mastercard

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| BXX Rewards | 2% | Cashback taken in BXX token |
| BTC/USDT/1INCH | 1% | Cashback taken in BTC, USDT, or 1INCH |

### Exodus Spend Card

- **Provider:** Exodus (via Baanx)
- **Status:** active
- **Type:** Debit, Mastercard
- **Cashback:** 1-3%
- **Fee:** $0
- **Region:** Multiple (NOT new US signups)
- **KYC:** standard
- **Availability:** Limited
- **Last Verified:** 2026-07-31
- **Website:** https://www.exodus.com/spend-card
- **Detailed Fees:** Conversion: 0% Exodus fee (network gas only: Linea or Solana, typically $0.01); Top-up: 0% (network gas only: Linea or Solana)
- **Mobile Pay:** Apple Pay, Google Pay
- **Limits:** Daily spend: $15,000/day, $10,000/tx (Free); $30,000/day, $20,000/tx (Metal); UK £15,000/day; Daily ATM: $1,000/day (Free, 2% fee); $5,000/day (Metal, free to $1,200/mo then 2%); $1,000/tx
- **Funding:** Assets: mUSD, USDC, aUSDC, USDT, WETH, EURe, GBPe; Chains: Linea, Solana; Methods: Bridge assets to a supported network from the self-custody Exodus wallet and set a delegated spending limit
- **Issuance:** Virtual card: $0 (Free tier, virtual only); Physical card: Metal tier only: $199/yr subscription; replacement card $99; Time to card: Metal physical card 6-8 weeks; virtual card immediate
- **Note:** LEGACY PRODUCT — being superseded by Exodus Pay (Visa, launched Apr 9, 2026). Spend Card (Mastercard) no longer accepting new US/UK signups; existing users can continue but are prompted to migrate. Per the official EU+UK Card Terms, all cardholders are auto-enrolled in a 1% mUSD rewards program (funding-dependent, pausable without notice) and the $199/yr Metal tier earns 3% on the first $10,000/yr then 1%. Exodus Pay offers Visa debit card with unspecified cashback/rewards. Exodus COMPLETED acquisition of Baanx/Monavate (May 1, 2026). XO Cash stablecoin (Solana, with MoonPay/Monavate) launched May 8, 2026. Exodus disclosed a 25% cut to its global workforce in a July 17, 2026 SEC filing as it reorients toward payments. Exodus Pay launched in select US states (Nebraska, Texas, Florida, New York, California) with a national rollout announced for 2026.
- **Tags:** Self-Custody, Solana USDC/USDT, Virtual Only, Mastercard

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Free | 1% | All cardholders auto-enrolled in 1% mUSD rewards (funding-dependent, pausable without notice) |
| Metal | 3% | $199/yr subscription, 3% on first $10,000/yr spend then 1% |

**Our Verdict** (updated 2026-07-07)

The Spend Card is a sunset product, and the honest advice depends on where you live. Exodus's knowledge base states new signups are closed for the UK and US, while existing UK and US holders can keep using the card. Its successor, Exodus Pay, launched April 9, 2026 as a self-custodial Visa product with Apple Pay support, rolling out from Nebraska, Texas, Florida, New York, and California with global expansion planned later in 2026, subject to regulation. A month later Exodus shipped XO Cash, its own Solana stablecoin built with MoonPay, which runs on the same Pay rails. The direction of travel is clear: Exodus's attention is on Pay, not this card.
For EU holders the legacy card's real differentiator is its funding model. There is no custodial top-up balance: you bridge assets to Linea or Solana from your own wallet and set a delegated spending limit, with network gas quoted at typically $0.01 in the official EU+UK Terms. "Free" needs a footnote, though. Spending a stablecoin in your own currency costs nothing, but a mismatched-currency stablecoin costs 0.5% and other crypto such as wETH costs 0.875%, so what you fund it with decides what you pay. The Terms also attach a rewards schedule most reviews miss: all cardholders are auto-enrolled in a 1% rewards program paid in Exodus's mUSD stablecoin, explicitly subject to available funding and pausable without notice, so treat it as a bonus rather than a promise.
The free tier is virtual-only. A physical card exists only on the $199/year Metal subscription, which adds 3% cashback on the first $10,000 spent each year (then 1%), drops cross-border fees under fair usage, and quotes 6-8 weeks for card delivery, with a $99 replacement fee and auto-renewal you must opt out of in writing. Who is this for? Existing EU cardholders who already live in the Exodus wallet, value self-custody, and spend matching-currency stablecoins. US users should look at Exodus Pay instead, and note that third-party coverage frequently confuses the two products: the Spend Card is Mastercard on the Baanx/Monavate stack, Exodus Pay is Visa.

What users report: Card-specific user threads could not be independently verified (Reddit and Trustpilot block retrieval), so only app-level signals can be cited, and they cover the whole Exodus wallet rather than the card. The iOS app holds 4.6/5 across roughly 36,000 ratings [1]. No widespread payout-failure or mass-decline complaints about the card surfaced in reachable sources, but access limits mean this is weak evidence of absence; reliability should not be asserted either way.
Sources: https://apps.apple.com/us/app/exodus-crypto-payments/id1414384820

**Recent changes**

- 2026-07-07: Cashback corrected from 0%: the official EU+UK Card Terms auto-enroll all cardholders in a 1% mUSD rewards program (funding-dependent) and the $199/yr Metal tier earns 3% on the first $10,000/yr then 1%

### Solflare Card

- **Provider:** Solflare
- **Status:** active (Solana)
- **Type:** Debit, Mastercard
- **Cashback:** 0%
- **Fee:** $0
- **Region:** EEA/UK
- **KYC:** standard
- **Availability:** EEA/UK
- **Last Verified:** 2026-07-30
- **Website:** https://www.solflare.com/crypto-card/
- **Detailed Fees:** Conversion: 1%; FX: 0.4-0.7%
- **Mobile Pay:** Apple Pay, Google Pay
- **Limits:** Daily spend: USDC 10,000 (USDC 5,000 per transaction, USDC 30,000 per month); Monthly spend: USDC 30,000; Daily ATM: USDC 500 (USDC 2,500 per month)
- **Fiat custody:** Solflare states the card holds no balance: funds remain in the user's own wallet until the moment of spending.
- **Personal IBAN:** No
- **Note:** PAUSED as of 2026-07-30: Solflare states cards are paused while it moves to a new issuing partner, with a return signposted for August. First self-custody Solana debit card. Spends USDC from wallet at 110M+ Mastercard merchants. 1% Solflare fee + 0.4-0.7% FX fee per transaction. 115K+ signups. Google Pay and Apple Pay supported. Gamified rewards programme (points + raffle prizes) in lieu of percentage cashback; Supercar raffle ENDED Feb 14, 2026 with no replacement announced. "Card Borrows" feature (borrow against holdings to spend) launched June 2026. EEA/UK live; other regions case-by-case. Solflare names no card issuer in any of its own legal documents.
- **Tags:** Self-Custody, Solana, Mastercard, EEA/UK

**Cashback Tiers**

No tier data available.

### Bitstack Card

- **Provider:** Bitstack
- **Status:** active (New)
- **Type:** Debit, Visa
- **Cashback:** Up to 1% BTC
- **Fee:** $0
- **Region:** 20 EU countries
- **KYC:** standard
- **Availability:** EU
- **Last Verified:** 2026-07-31
- **Website:** https://www.bitstack-app.com/en/card
- **Detailed Fees:** Conversion: 0% on round-ups (EUR-funded); FX: Free up to €1,000/mo; ~1% over; ATM: Free up to €200/mo or 5 withdrawals; then min €1 or 1%; Top-up: SEPA free; card/Apple/Google Pay funding 0.70%
- **Note:** Beta launched Jan 13, 2026 for 5K waitlist users. Available in 20 EU/EEA countries (Austria, Belgium, Croatia, Cyprus, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Monaco, Netherlands, Portugal, Spain, Switzerland) per Bitstack help center. First French Visa with BTC cashback ('Stackback'): up to 1% BTC on all EUR purchases, no cap. $15M Series A raised Dec 2025. MiCA licence approved by France's AMF (Jun 30, 2025).
- **Tags:** Bitcoin, Europe, Visa, New

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Stackback | 1% | All EUR purchases (no cap) |

### CoinZoom Card

- **Provider:** CoinZoom
- **Status:** active
- **Type:** Debit, Visa
- **Cashback:** 0.5-5% ZOOM
- **Fee:** $0
- **Region:** 150+ countries (NOT EU residents)
- **KYC:** optional
- **Availability:** Global
- **Last Verified:** 2026-07-31
- **Website:** https://www.coinzoom.com/en/cards/
- **Detailed Fees:** Conversion: 1.49% liquidation; ATM: Free (CoinZoom side; operator fees apply); Top-up: Free
- **Mobile Pay:** Apple Pay, Google Pay, Samsung Pay
- **Note:** Cashback paid in ZOOM tokens (Non-Prime/Silver/Gold/Diamond/Black tiers per official cards page May 2026). Card usable in EU but cannot be ordered by EU residents (36 excluded countries listed in CoinZoom help center, incl. all EEA, UK, Switzerland, Australia, India, Israel, UAE). NY/HI excluded in US. Excluded categories: crypto exchanges, gift cards, ATM, gambling. European VASP license obtained (Latvia, June 2025); full MiCA license in progress, EU card issuance still not live as of May 2026. ZOOM tier requirements are adjusted quarterly to target USD-equivalent values — Diamond/Black amounts may differ from listed; confirm on coinzoom.com. Ohio operations suspended by state order (Aug 2024).
- **Tags:** Global, Visa, ZOOM Token, NOT EU, Staking Required

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Non-Prime | 0.5% | 0 ZOOM held |
| Silver | 1% | 10,000 ZOOM held |
| Gold | 2% | 50,000 ZOOM held |
| Diamond | 3% | 150,000 ZOOM held |
| Black | 5% | 300,000 ZOOM held |

### Tap Global Card

- **Provider:** Tap Global
- **Status:** active
- **Type:** Debit, Mastercard
- **Cashback:** 0.5-8%
- **Fee:** $0
- **Region:** UK/EU/EEA
- **KYC:** standard
- **Availability:** UK/EEA
- **Last Verified:** 2026-07-31
- **Website:** https://www.withtap.com/
- **Detailed Fees:** FX: 1.5%; ATM: 0% up to £500/mo, then 2%
- **Note:** Gibraltar-regulated (FSC license No. 25532). 6 cashback tiers based on 12-month XTP token lockup. Cashback XTP tokens are also locked for 1 year from receipt date (cannot be sold or used for 12 months). 1.5% FX fee on non-card currency. ISO 27001 certified. Tier mechanics confirmed against withtap.com/premium-plans (May 2026).
- **Tags:** UK/EEA, Mastercard, XTP Token, Staking Required

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Essential | 0.5% | Free, no XTP lockup |
| Plus | 1.5% | €300+ XTP locked (12 months) |
| Prime | 3% | €2,500+ XTP locked (12 months) |
| Premier | 4% | €5,000+ XTP locked (12 months) |
| Platinum | 6% | €15,000+ XTP locked (12 months) |
| Prestige | 8% | €25,000+ XTP locked (12 months) |

### Tria Card

- **Provider:** Tria
- **Status:** active (Self-Custody)
- **Type:** Debit, Visa
- **Cashback:** 1.5-6% USDT
- **Fee:** $0 (one-time fee)
- **Region:** 150+ countries
- **KYC:** standard
- **Availability:** Global
- **Last Verified:** 2026-07-31
- **Website:** https://www.tria.so/en
- **Detailed Fees:** Conversion: 0%; Top-up: 0%
- **Mobile Pay:** Apple Pay, Google Pay
- **Limits:** Daily spend: Up to $1,000,000
- **Funding:** Assets: BTC, SOL, 1000+ tokens; Methods: Self-custody on-chain wallet balance
- **Issuance:** Virtual card: Free for a limited time per official Season 3 blog (check app for current pricing)
- **Note:** Self-custody neobank with TSS (Threshold Signature Scheme) wallet. $12M raised (P2 Ventures, Aptos, Polygon execs, Ethereum Foundation execs, Wintermute). Season 3 introduced monthly cashback-rate caps (spending continues at the floor rate above them): Virtual 1.5% on first $100/mo (0.5% above), Signature 4.5% on first $1K/mo (1% above), Premium 6% on first $2K/mo (1% above). Season 3 cashback paid in USDT on Arbitrum via Merkle distribution; the earlier TRIA-token vesting payout (20% immediate, 3-month cliff, 80% over 6 months) was the pre-Season-3 model. TRIA token launched Feb 3, 2026 at $0.0158. Issuance fees updated: $25/$109/$250. Zero Tria conversion/top-up fees (standard 1% Visa network + FX may apply). $1M daily spend limit. Apple/Google Pay. 500K+ users, $100M+ volume by April 2026. Excludes Russia, China, India, US-sanctioned regions. Government pilots with UN and UAE.
- **Tags:** Global, Visa, Self-Custody, No Staking, 1000+ Cryptos

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Virtual | 1.5% | $25 one-time issuance, 1.5% up to $100/mo then 0.5% |
| Signature | 4.5% | $109 one-time issuance (PVC), 4.5% up to $1,000/mo then 1% |
| Premium | 6% | $250 one-time issuance (Metal), 6% up to $2,000/mo then 1% |

**Our Verdict** (updated 2026-07-06)

Tria is one of the few cards where "self-custody" describes the actual funding flow, not just the marketing: your crypto sits in a Threshold Signature Scheme wallet that Tria cannot unilaterally control, and it funds from on-chain balances rather than a centralized exchange account. With 1,000+ supported tokens, Apple Pay and Google Pay, and acceptance in over 150 countries, it fits on-chain natives who want to spend without pre-loading a custodian. The big eligibility caveat: it is not available to US residents, and an independent review also lists Russia, Turkey, India, Vietnam, Israel, Ukraine, and OFAC-sanctioned regions as blocked.
The rewards need a second read. As of Season 3 the headline rate applies only up to a monthly cap before dropping to a floor: Virtual earns 1.5% on the first $100 per month then 0.5%, Signature 4.5% on the first $1,000 then 1%, Premium 6% on the first $2,000 then 1%. On the plus side, Season 3 cashback is paid in USDT on Arbitrum via Merkle distribution, a much cleaner deal than the earlier TRIA-token model that paid 20% upfront and vested the remainder over months.
The real caution is trust, not mechanics. You pay the card fee before Sumsub KYC, and the fee is not refunded if verification is rejected. And the February 2026 TRIA airdrop, where roughly 90% of cardholders were marked "Not Eligible" despite paying for memberships, badly damaged early-adopter goodwill, even though no verified evidence of malicious intent emerged and reporting attributes the mess to miscommunication and strict eligibility rules. Buy it for the spending function; treat any token-linked promises as speculative.

What users report: Sentiment is positive-mixed. Users focused on the core function (spending crypto globally with self-custody) report satisfaction; one reviewer's example purchase ran "Instant, smooth, zero drama" [1]. The dominant complaint is token rewards: the February 2026 airdrop marked roughly 90% of cardholders "Not Eligible", angering paying users (tiers cost $25 to $250, and reporting cites frustration from members who paid over $100), and one user summarized Season 1 as "Season 1 promised loyalty token rewards, but in the end I received 0 TRIA" [1][2]. Reporting found no verified evidence of malicious intent, pointing instead to miscommunication and demanding eligibility rules [2].
Sources: https://kkinvesting.io/en/posts/tria-card-review/ https://www.hokanews.com/2026/02/tria-airdrop-shocker-90-of-users-wiped.html

**Recent changes**

- 2026-07-07: Cashback payout corrected: Season 3 cashback is paid in USDT on Arbitrum via Merkle distribution; the TRIA-token vesting payout was the pre-Season-3 model

### Ready Card

- **Provider:** Ready (Starknet)
- **Status:** active (Starknet)
- **Type:** Debit, Mastercard
- **Cashback:** 0.5-3% STRK
- **Fee:** $0-$120/yr
- **Region:** UK/EEA
- **KYC:** standard
- **Availability:** UK/EEA
- **Last Verified:** 2026-07-30
- **Website:** https://www.ready.co/card
- **Detailed Fees:** Conversion: 0%; FX: 0% Metal, 1% Lite; ATM: $800/mo free Metal, $200/mo free Lite
- **Mobile Pay:** Google Pay
- **Limits:** Daily spend: USD 10,000 (USD 5,000 per transaction, USD 30,000 per 30 days); Monthly spend: USD 30,000 per 30 days; Daily ATM: USD 500 (USD 2,500 per 30 days)
- **Banking note:** Bank deposit details (an IBAN and BIC in the EU, or sort code and account number in the UK) are provided by Due, not by Ready, and are deposit-only: incoming fiat converts to USDC and no outbound bank transfer feature is documented.
- **Note:** Self-custody USDC card on Starknet (formerly Argent, rebranded late 2025). Metal: 10% STRK cashback first 30 days (on up to $1,500 spent), then 3% ongoing (up to $5,000/mo, max $150/mo). Lite: 0.5% STRK. Metal: 0% FX, $800/mo fee-free ATM. Lite: 1% FX, $200/mo fee-free ATM. Google Pay supported; Apple Pay still pending as of May 2026. Funded by Starknet Foundation. Ready's own documents never name the card issuer, and the issuing chain could not be confirmed from a reachable official source.
- **Tags:** UK/EEA, Mastercard, Starknet, Self-Custody, USDC Only

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Ready Lite | 0.5% | Free ($6.99 shipping) |
| Ready Metal | 3% | 120 USDC/yr |

### Solayer Emerald Card

- **Provider:** Solayer
- **Status:** active (Solana)
- **Type:** Debit, Visa
- **Cashback:** 1% + Points
- **Fee:** $10-$75 one-time
- **Region:** Global (US restricted)
- **KYC:** standard
- **Availability:** Global
- **Last Verified:** 2026-07-31
- **Website:** https://solayer.org/card
- **Detailed Fees:** Conversion: 1% top-up fee; FX: 0.1-1.5%; Top-up: 1%
- **Mobile Pay:** Apple Pay, Google Pay
- **Note:** 1% cashback on eligible spending + Emerald Points (on-chain). 10% cashback on first transaction (capped $50). Points redeemable for token rewards and partner airdrops. Physical card launched May 14, 2026 (free for existing users, $20/yr for new). Sub-accounts feature added (labeled subcards with individual spend limits). $10 issuance for Genesis/community sale users, $75 for all others. 1% top-up fee + $0.10-1.5% international fees. ~4% yield via tokenized US T-Bills. 40K+ users across ~100 countries. US: 18 states restricted. 'Jade Card' variant launched with Nubit for Bitcoin rewards. Limited-time promo: up to 10% cashback July 29–Aug 29, 2026 (base 1% unchanged).
- **Tags:** Global, Visa, Solana, Points + Cashback, USDC Only

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Base Cashback | 1% | All eligible spending |
| Emerald Points | 0% | Points multiplier up to 5x at $2,500+/mo spend |

### XPlace Card

- **Provider:** XPlace
- **Status:** active (Solana Credit)
- **Type:** Credit, Visa
- **Cashback:** 1-4% USDC + XP
- **Fee:** $0-$999/yr
- **Region:** Global
- **KYC:** standard
- **Availability:** Global
- **Last Verified:** 2026-07-31
- **Website:** https://docs.x.place/
- **Detailed Fees:** Conversion: 0% (removed July 2026); FX: 0%
- **Mobile Pay:** Apple Pay, Google Pay
- **Note:** Non-custodial Visa credit card on Solana. Borrow against crypto (30-70% credit power). Up to 16% APY on deposits (variable, not guaranteed). XP points + USDC cashback (XP rewards: 1% Basic, 3% Silver, 6% Gold, 10% Platinum). 160+ countries, $750K/mo spending limit. Travel/lounge perks at higher tiers. Q4 2026 token generation event planned. July 2026 restructure: Basic rate raised to 1%, Gold rate raised to 3% at $249/yr (down from $1,000/yr), Platinum fee cut to $999/yr, Credit Mode cashback doubled to 4%, FX to 0% (aggregator-sourced; primary docs unreachable this cycle).
- **Tags:** Global, Visa, Solana, True Credit, Collateral-Based

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Basic | 1% | Free membership |
| Silver | 1% | $200/yr membership |
| Gold | 3% | $249/yr membership |
| Platinum | 4% | $999/yr membership |

### Exa Card

- **Provider:** Exa Labs (Exactly Protocol)
- **Status:** active (DeFi Credit)
- **Type:** Credit, Visa
- **Cashback:** 0%
- **Fee:** $0
- **Region:** 160+ countries (NOT UK/Europe)
- **KYC:** standard
- **Availability:** Global excl. UK/Europe
- **Last Verified:** 2026-07-31
- **Website:** https://www.exactly.app/
- **Detailed Fees:** Conversion: Spread-based (in FX); FX: 1.5% + up to 1.5% cross-border; Top-up: $0; Inactivity: $0
- **Mobile Pay:** Apple Pay, Google Pay
- **Note:** World's first onchain Visa Signature credit card. Borrow against crypto without selling. Pay in up to 6 fixed-rate installments (every 28 days, USDC). Up to 8 installments via Uphold integration (Mar 2026 launch, US except ~26 states). No bank account or credit score needed. Uphold partnership: exclusive CeFi distribution to 10M users. UK and Europe currently unavailable. Non-Uphold version covers 160+ countries. Variable APR on deposits. Issued by Third National Bank (Uphold version). Now supports XRP as collateral via Uphold. Airport lounge access, hotel upgrades, purchase protection, concierge.
- **Tags:** Global, Visa Signature, DeFi, True Credit, Collateral-Based, No Cashback, NOT UK/EU

**Cashback Tiers**

No tier data available.

### E Money Card

- **Provider:** E Money Network
- **Status:** active (MiCA)
- **Type:** Credit, Mastercard
- **Cashback:** 2% crypto
- **Fee:** $99 one-time
- **Region:** 150+ countries
- **KYC:** standard
- **Availability:** Global
- **Last Verified:** 2026-07-31
- **Website:** https://emoney.network/
- **Detailed Fees:** FX: 0%
- **Mobile Pay:** Apple Pay, Google Pay
- **Note:** Rebranded from Scallop (July 2025). Non-custodial Mastercard credit card. 2% crypto rewards on all purchases. $99 one-time fee (USDT/USDC). No FX fees. Supports ETH/BNB/Solana chains. MiCA-compliant. Card listed as live in E Money Network FAQ (Mastercard accepted worldwide). Limited independent third-party verification of cardholder volume.
- **Tags:** Global, Mastercard, MiCA-Compliant, Multi-Chain, Non-Custodial

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Flat Rate | 2% | $99 one-time card fee (USDT/USDC) |

### Amp Black Card

- **Provider:** Amp Pay
- **Status:** active
- **Type:** Debit, Visa
- **Cashback:** 0% (promo expired)
- **Fee:** $0
- **Region:** Global
- **KYC:** standard
- **Availability:** Global
- **Last Verified:** 2026-07-31
- **Website:** https://www.getamppay.com/
- **Detailed Fees:** FX: 1% non-USD
- **Mobile Pay:** Apple Pay, Google Pay, Samsung Pay
- **Note:** Amp Pay runs rolling time-limited promotional cashback periods (currently advertising 4% Cash Back). Previous promo expired Dec 31, 2025; new promotions have since resumed (e.g., Mar 2026: 4% on first $250 + 1% on remaining $750 for physical card holders). Treat advertised rates as promotional, not permanent. No credit check. No account minimums. Flat $0.35 fee on transactions under $15; no fees on USD purchases, 1% on non-USD (official FAQ). Integrates with Amp savings (up to 12% APY). Physical cards now available (premium Amp Black Card).
- **Tags:** Global, Visa, USDC, No Credit Check, No Staking, No Cashback

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Standard | 0% | No active cashback program (2-4% promotional rates expired Dec 31, 2025 per TOS) |

### Rebind Card

- **Provider:** Rebind
- **Status:** active (EUR Stablecoin)
- **Type:** Debit, Visa
- **Cashback:** 0% (yield not cashback)
- **Fee:** $0
- **Region:** Europe
- **KYC:** standard
- **Availability:** EU
- **Last Verified:** 2026-07-31
- **Website:** https://www.rebind.co/
- **Detailed Fees:** Conversion: 0% (EURe direct); FX: 0%; ATM: Free up to €200/mo
- **Note:** France-based (Saint-Mandé, Île-de-France). Visa debit card with zero fees. EURe (Monerium-issued euro stablecoin) and USD stablecoin balances. Personal virtual IBAN powered by Monerium. 0% FX fees, free ATM up to €200/mo. Rebind DID participate in Gnosis Pay's Intermediary Cashback Programme (up to 4% GNO purchase cashback by GNO tier), but that programme EXPIRED June 30, 2026. Current purchase cashback status unclear — treat as 0% until a successor programme is confirmed. The separate yield (up to 5% EUR / 8% USD on balance via Aave/Morpho/Fluid) remains active. Funded €5M+ pre-seed.
- **Tags:** Europe, Visa, Virtual Only, EURe Stablecoin, No FX Fees, No Cashback

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Base | 0% | No purchase cashback; yield up to 5% EUR / 8% USD on balance via Aave/Morpho/Fluid (not card cashback) |

### THORWallet Mastercard

- **Provider:** THORWallet
- **Status:** active (Swiss Banking)
- **Type:** Debit, Mastercard
- **Cashback:** TITN staking rewards
- **Fee:** $0 (one-time ETH fee)
- **Region:** 175+ countries (NOT US)
- **KYC:** full
- **Availability:** Global
- **Last Verified:** 2026-07-31
- **Website:** https://www.thorwallet.org/cards
- **Detailed Fees:** Conversion: Combined with FX (tier-based); FX: 1% Standard / 0.5% Gold / 0.25% Platinum; ATM: Not supported (virtual only); Top-up: Wire free; tier fee on crypto
- **Mobile Pay:** Apple Pay, Google Pay
- **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-spend cashback ('up to 5%') still listed as 'coming soon' in official docs. Tier fees: Standard 1%, Gold 0.5%, Platinum 0.25%. ETH amounts are launch discounts (normally 3 ETH / 30 ETH). Pro tier announced: 0% FX/ATM + TITN cashback (launch status unclear). THORWallet also now advertises a Premium tier at $124 one-off paying 0.5% USDC cashback on the first $5,000 of monthly card spend, funded from the card's FX margin. That naming does not line up with the ETH-priced Standard/Gold/Platinum tiers listed here, which remain as last confirmed, so check the current tier table in-app before choosing a tier. Unblock partnership (Apr 30, 2026) expanded card access to 175+ countries. TITN airdrop ended Apr 25, 2026. NOT available in US/China/Russia.
- **Tags:** Global, Mastercard, Swiss IBAN, Self-Custody, NOT US

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Standard | 0% | Free signup, 1% crypto top-up fee |
| Gold | 0% | 1.5 ETH one-time, 0.5% fee |
| Platinum | 0% | 15 ETH one-time, 0.25% fee |

### Brighty Card

- **Provider:** Brighty
- **Status:** active
- **Type:** Debit, Visa
- **Cashback:** 0.5-1.75%
- **Fee:** $0 (paid plans available)
- **Region:** EU (50+ countries)
- **KYC:** standard
- **Availability:** EU
- **Last Verified:** 2026-07-31
- **Website:** https://brighty.app
- **Detailed Fees:** Conversion: ~1%; FX: 2% foreign txn; ATM: ~6.2%
- **Mobile Pay:** Apple Pay, Google Pay
- **Note:** EU-regulated. 2% foreign transaction fee on Visa card payments. In-app FX exchange has plan-dependent markups (0.4-0.6%) after monthly free limit. ~1% crypto-to-fiat conversion. ATM withdrawal ~6.2%. Free tier offers 0.5% cashback (capped $20/mo); paid Plus and Pro plans unlock up to 1.75% on chosen categories. Cashback rates are progressive — Plus starts at 0.75% and Pro at 1.25%, increasing with monthly spend volume. WARNING (Jul 2026): Wireflexion, Brighty's crypto services provider, shut down end of June 2026; replacement provider not yet ready — crypto services may be disrupted, card reactivation expected 4-6 weeks after new integration completes.
- **Tags:** EU, Low Fees

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| One | 0.5% | Free plan |
| Plus | 1.25% | €9/mo subscription; starts at 0.75%, rises to 1.25% with spend |
| Pro | 1.75% | €18/mo subscription; starts at 1.25%, rises to 1.75% with spend |

### Venmo Credit Card

- **Provider:** Venmo (PayPal)
- **Status:** active
- **Type:** Credit, Visa
- **Cashback:** 1-3%
- **Fee:** $0
- **Region:** US Only
- **KYC:** full
- **Availability:** US
- **Last Verified:** 2026-07-31
- **Website:** https://venmo.com/about/creditcard
- **Detailed Fees:** FX: 0%
- **Mobile Pay:** Apple Pay, Google Pay, Samsung Pay
- **Note:** ⚠️ CRYPTO CASHBACK ONLY, Traditional credit card that auto-converts cash back to crypto (BTC, ETH, LTC, BCH). Does NOT use crypto for payments. Top spend category 3%, second 2%, all other 1% — categories adjust monthly automatically. No annual fee. No conversion fee on monthly auto-purchase (spread applies). Issued by Synchrony Bank. Visa Signature.
- **Tags:** No Fee, US Only, True Credit, No Staking, Crypto Cashback Only

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| All Other | 1% | All other purchases |
| Second Category | 2% | 2nd highest spend category |
| Top Category | 3% | Highest spend category each month |

### Jupiter Global Card

- **Provider:** Jupiter Exchange
- **Status:** active
- **Type:** Credit, Visa
- **Cashback:** 2-4% USDC
- **Fee:** $0
- **Region:** Global
- **KYC:** full
- **Availability:** Global
- **Last Verified:** 2026-07-31
- **Website:** https://jup.ag
- **Detailed Fees:** Conversion: 0% on USD spend; FX: 1% (Rain US/UK/EU/LATAM); 1.8% (DCS APAC); 0% APAC QR Pay; Top-up: $0
- **Mobile Pay:** Apple Pay, Google Pay
- **Note:** Crypto-backed credit card on Solana. RATE CHANGE JUL 2026: Launch promo (4% base + 5/8/10% permanent referral tiers) ended June 30, 2026. Post-promo: 2% base ($100/mo cap), 4% with 2+ qualifying referrals in prior month ($200/mo cap, resets monthly). Two card issuers: Rain (1% FX, no spending limits) and DCS (1.8% FX, $50K daily/$990K annual limit). Card type assigned by country of residence. 0% fees on QR payments (GUM/APAC). Digital-only (physical card planned). Spends USDC. Cashback paid in USDC. JupUSD JUICED offers ~4.5% APY yield. Available in 53 countries.
- **Tags:** Global, Self-Custody, Solana, Visa Infinite/Platinum

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Base | 2% | Flat 2% USDC on all purchases. $100/mo cashback cap (~$5,000 spend). No staking required. |
| Referral Boost | 4% | Refer 2+ qualifying friends (KYC'd, $50+ spend) in the prior calendar month. $200/mo cashback cap. Resets monthly — not permanent. |

**Recent changes**

- 2026-07-10: Cashback tiers restructured after launch promo ended Jun 30, 2026 — base rate dropped from 4% to 2% ($100/mo cap); old permanent referral tiers (5%/8%/10% at 20/50/100 refs) replaced by monthly 4% boost requiring 2+ qualifying referrals in prior month ($200/mo cap)

### Avici Card

- **Provider:** Avici Money
- **Status:** active
- **Type:** Credit, Visa
- **Cashback:** 0%
- **Fee:** $0-75
- **Region:** Americas/APAC (excl EU/UK)
- **KYC:** full
- **Availability:** 48 countries (Americas/APAC)
- **Last Verified:** 2026-07-31
- **Website:** https://avici.money
- **Detailed Fees:** Conversion: 0%; FX: 0% (Visa may add 0.4-1%); ATM: $1+0.65% (Platinum); $0 (Signature)
- **Mobile Pay:** Apple Pay, Google Pay
- **Note:** Self-custodial secured Visa credit card. NOT available in EU/EEA, UK, India, China, Israel, Turkey, Russia. Supported in 48 countries primarily Americas (US 31 states, Brazil, Argentina, Mexico, Colombia, Chile) and APAC (Australia, Japan, Singapore, Hong Kong, UAE, Thailand). Two tiers: Platinum ($10 virtual, $0 transactions, ATM $1+0.65%) and Signature ($30/yr first, then $20, lounge access, $0 ATM). Infinite tier coming soon. 0% FX markup (Visa may add 0.4-1% cross-border). USDC collateral held in user-controlled smart contract.
- **Tags:** Self-Custody, No Staking, USDC

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Base | 0% | No cashback program |

### OffGrid Cash

- **Provider:** OffGrid
- **Status:** active (No KYC)
- **Type:** Debit, Visa
- **Cashback:** 0%
- **Fee:** $49-$299/yr (mandatory tier subscription)
- **Region:** Global
- **KYC:** none
- **Availability:** Global
- **Last Verified:** 2026-08-07
- **Website:** https://offgrid.cash
- **Detailed Fees:** FX: 0% (marketing claim)
- **Mobile Pay:** Google Pay
- **Limits:** Daily spend: $1,000/day (Edge), $2,500/day (Prime), $5,000/day (Black); Monthly spend: $2,000/mo (Edge), $5,000/mo (Prime), $10,000/mo (Black)
- **Funding:** Assets: USDT, USDC, DAI, BTC, ETH, SOL, XRP, XLM, TON, ATOM, TRX, ADA, AVAX, DOT, LINK, POL; Chains: Ethereum (ERC20), Solana, Polygon, Arbitrum, Base, Optimism, BSC (BEP20), Avalanche, Tron (TRC20), Bitcoin; Methods: Crypto deposit to a generated address, converted to USD; wallet-to-card top-ups $5-$1,000 at tier fee (3%/2%/1.5%)
- **Issuance:** Virtual card: No separate fee; mandatory annual subscription ($49/$97/$299 by tier) deducted from first deposit; Time to card: Card reserved at claim; activated after first deposit confirms (typically minutes)
- **Note:** No-KYC virtual Visa card with rotating credentials, generated on demand. Monthly spend limits by tier: $2,000 (Edge), $5,000 (Prime), $10,000 (Black). Mandatory annual subscription $49/$97/$299 by tier plus 1.5-3% top-up fees. Zero-knowledge privacy features. Beta/waitlist still open as of May 2026. Terms exist in the current app but name no legal entity, jurisdiction, or issuer. WARNING: No-KYC cards on Visa/Mastercard rails consistently shut down over time per industry analysis (gate.com, cryptoslate); regulatory and counterparty risk is high. Verify product is still operational before relying on it.
- **Tags:** Global, No KYC, Privacy

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Base | 0% | No cashback |

**Our Verdict** (updated 2026-07-07)

OffGrid is a functioning invite-only virtual prepaid Visa that genuinely asks for no identity documents. Its own help center states it stores "No personal identity documents" and "No KYC data", and Apple Pay is explicitly unsupported because Apple requires cardholder identity verification, which conflicts with how OffGrid works; contactless is Google Pay only. It is not free and not open: entry requires an OG-format invite code, a mandatory annual subscription of $49 (Edge), $97 (Prime), or $299 (Black) deducted from your first deposit, and a 3%/2%/1.5% fee by tier every time you move funds from wallet to card. Purchases themselves carry 0% transaction fee and a claimed 0% FX markup, the latter marked with an asterisk whose footnote is nowhere to be found.
The structural risks are unusually concrete for this category, and they come from OffGrid's own documents. The card is "issued by a licensed card issuing partner" that is never named, the Terms reference "the jurisdiction of OffGrid's registered entity" without naming an entity or a jurisdiction, and the termination clause states that "any remaining card balance will be forfeited" while wallet funds "may be returned at our discretion". That is no named counterparty, no stated venue for recourse, and discretionary access to your own money, in the provider's own words. Separately, a lookalike domain (offgridcash.com, registered December 2025 through a low-cost registrar) mimics the product's marketing while running a Meta tracking pixel; whichever way you read that, only app.offgrid.cash matches the product verified here, and the clone undercuts the privacy pitch.
What it fits: privacy-motivated spending inside the tier caps ($2,000 to $10,000 per month depending on tier). What it does not offer: a primary-card role, Apple Pay, a physical card, ATM access, or a named issuer to escalate a complaint to.
On user evidence: there is essentially none, and that absence is the finding. No Trustpilot page exists for offgrid.cash, no substantive Reddit threads surfaced, and there is no app-store listing since it is a web app. The visible X footprint consists of invite-code and referral promotion rather than verifiable reports of completed real-world usage. Payout reliability, decline rates, and support quality are unverified by any independent source; treat every marketing claim accordingly.

**Recent changes**

- 2026-07-07: Monthly limits corrected to tier-based $2,000/$5,000/$10,000 (Edge/Prime/Black); annual fee recorded as a mandatory $49/$97/$299 tier subscription plus 1.5-3% top-up fees; Apple Pay support removed (Google Pay only)

### Wayex Card

- **Provider:** Wayex
- **Status:** active (Global)
- **Type:** Debit, Visa
- **Cashback:** 0%
- **Fee:** $0
- **Region:** 160+ countries (28 for card)
- **KYC:** standard
- **Availability:** Global
- **Last Verified:** 2026-08-07
- **Website:** https://www.wayex.com
- **Detailed Fees:** Conversion: 1%; FX: 0%; ATM: 0% Wayex side (AU only; no overseas ATM; operator fees apply); Top-up: 0%
- **Mobile Pay:** Apple Pay, Google Pay
- **Note:** Wayex Global officially launched February 18, 2026, expanding from Australia-only to 160+ countries via Bridge (Stripe). Visa card issuance now live in 28 countries (up from 18 at launch), expanding to 100+. USD stablecoin account with 2-5% yield. Fixed-term yield products up to 16% APY (institutional-grade private credit lending) planned. Founded as CryptoSpend (2018) with 40,000+ Australian users. Original AU card: 1% conversion fee, $14.99 physical, no cashback.
- **Tags:** Global, No FX Fees, Apple/Google Pay, Stablecoin

**Cashback Tiers**

No tier data available.

### Oobit Card

- **Provider:** Oobit
- **Status:** active (High Cashback)
- **Type:** Debit, Visa
- **Cashback:** Up to 10%
- **Fee:** $0
- **Region:** Global (most countries, 22 exclusions)
- **KYC:** standard
- **Availability:** Global
- **Last Verified:** 2026-08-07
- **Website:** https://www.oobit.com
- **Detailed Fees:** Conversion: 1% (min $0.25)
- **Mobile Pay:** Apple Pay, Google Pay
- **Limits:** Daily spend: $10,000
- **Funding:** Assets: USDC, USDT, BNB, USDR, EURR, BTC, DOGE, ETH, SOL, TRX, XRP, XTZ, TON, VET, XAUT, LTC, XLM, TRUMP, ADA, BCH, SHIB; Chains: Ethereum (ERC-20), BNB Smart Chain, Solana, Polygon; Methods: Buy crypto in-app with a credit card (from $10), Transfer crypto from an external wallet or exchange
- **Issuance:** Virtual card: $0
- **Note:** Up to 10% cashback (10% rate requires PAYING in OOB tokens, capped at $10,000/mo of spend; stablecoin payments in USDT/USDR/EURR earn 5% capped at $200/mo of spend; base rewards are a 1x-5x points ladder). Both cashback tracks are gated: per Oobit's 5X Reward Terms, stablecoin and token rewards are available only to users at Level 2 or above, reached at $250 cumulative spend within a rolling 90-day cycle, so a new or low-volume cardholder earns points but no cashback. Levels are set from the cumulative spend of the cycle that just ended (1x/$0, 2x/$250, 3x/$500, 4x/$1,000, 5x/$1,500). 1% transaction fee (min $0.25). DePay wallet payment layer launched October 2025 lets users connect any supported self-custody wallet directly and spend without preloading or moving funds custodially. Founded 2017, backed by Tether. Strong presence in Thailand and Southeast Asia. 4.8 App Store rating across 22K+ reviews. July 2026: expanded to Guatemala and Paraguay (11 LATAM markets total). April 30, 2026: launched Agent Cards, Visa virtual corporate cards that let AI agents spend USDT autonomously from a company's Oobit Business treasury (KYB-verified businesses only, founding-partner cohort, pricing per engagement, not available to consumers). Brazil is largest market (61% of users). Avg spend/user $1,168/mo (June 2026). Native Pix payments launched in Brazil July 1, 2026 (send crypto to any Pix key, instant Pix deposits).
- **Tags:** Global, High Rewards, SEA, Tether-backed, Agentic

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Base Points | 0% | Level 1 (under $250 cumulative spend per 90-day cycle): 1x reward points only, no cashback. Points ladder runs 1x at $0, 2x at $250, 3x at $500, 4x at $1,000, 5x at $1,500 cumulative spend per cycle |
| Stablecoin Payments | 5% | Requires Level 2 or above ($250 cumulative spend in a 90-day cycle); pay with USDT, USDR, or EURR; capped at $200/mo of spend |
| OOB Payments | 10% | Requires Level 2 or above ($250 cumulative spend in a 90-day cycle); pay with OOB token; capped at $10,000/mo of spend |

**Our Verdict** (updated 2026-07-06)

Oobit is a Singapore-based tap-to-pay app that converts crypto to fiat at the register on the Visa network, and its real momentum is in Latin America. Guatemala and Paraguay became its 10th and 11th LATAM markets in July 2026, joining Brazil, Colombia, and Bolivia, and it integrated Brazil's Pix network for USDT in June 2026. It also launched non-custodial tap-to-pay in the US in December 2025 through Bakkt's licensed infrastructure, connecting wallets like MetaMask, Phantom, and Trust Wallet. Tether led its $25 million Series A in 2024, so USDT spending is the core use case rather than an afterthought.
The cashback is far more restrictive than a headline "up to 10%" suggests. Oobit's own reward terms pay 10% only when you actually pay in OOB tokens, capped at $10,000 per month of spend. The stablecoin path pays 5% but caps out at just $200 per month of spend, and the base tier is a 1x-to-5x points system, not a flat percentage. Every reward is locked to in-app tap-to-pay use and cannot be withdrawn or transferred. The "$0 fee" framing also understates costs: Oobit charges 1% per transaction with a $0.25 minimum.
Net, this suits someone in a supported LATAM market who wants to spend USDT day to day and accepts that rewards are small and locked in-app. Watch the OOB-token dependency on the top rate, the tiny $200-per-month stablecoin-cashback cap, and the per-transaction fee. Reward payout currency differs by region (USDC for EEA users, USDT elsewhere), and at least one App Store reviewer reported an account approved and then immediately banned before first use.

What users report: Verified user signal is thin. The US App Store listing shows a 4.5 rating across 113 ratings [1]. One December 2025 reviewer reported that after months of waiting his account was approved, he completed the questionnaire, and the account was "immediately banned before ever being used"; Oobit's developer account replied asking him to contact support [1]. Broader themes (suspended cards, deposits not arriving, slow support) came from Trustpilot and review aggregators that could not be fetched and were dropped.
Sources: https://apps.apple.com/us/app/oobit-pay-with-crypto-card/id1598882898

**Recent changes**

- 2026-08-07: Both cashback tracks recorded as level-gated per Oobit's 5X Reward Terms: the 5% stablecoin and 10% OOB rewards require Level 2 or above, reached at $250 cumulative spend within a rolling 90-day cycle; points ladder thresholds recorded as 1x/$0, 2x/$250, 3x/$500, 4x/$1,000, 5x/$1,500
- 2026-07-07: Cashback data corrected per Oobit's official reward terms: base rewards are a 1x-5x points ladder (no flat 2% tier), stablecoin payments earn 5% capped at $200/mo of spend, OOB-paid transactions earn 10% capped at $10,000/mo of spend; coverage softened to most countries with 22 exclusions

### Lemon Card

- **Provider:** Lemon Cash
- **Status:** active (Argentina)
- **Type:** Debit, Visa
- **Cashback:** 0.1-2% BTC
- **Fee:** $0
- **Region:** Argentina/Peru
- **KYC:** standard
- **Availability:** Argentina/Peru
- **Last Verified:** 2026-08-02
- **Website:** https://lemon.me
- **Detailed Fees:** Conversion: 0.5% (card auto-sell to ARS)
- **Note:** LATAM's leading crypto card. Rates differ by country: Argentina 0.5% ARS / 2% crypto; Peru 0.1% PEN / 1% crypto (per official Lemon help centers). Argentina ~21,000 ARS/mo cap; Peru 75 soles/mo cap. Card auto-sells crypto to ARS at point of sale (0.5%); the separate ~1% conversion fee applies to on-platform crypto purchases, not card spend. Peru launch in 2025 via Pomelo-powered Visa card — 250K+ cards issued in Peru, projecting 2M Peruvian users by end of 2026. $20M Series B (mid-2026) led by F-Prime Capital and ParaFi; next expansion: Colombia, Mexico, Chile, Brazil. Lemon also launched Argentina's first Bitcoin-backed Visa credit card (Jan 14, 2026); deposit 0.01 BTC as collateral for up to ~1M ARS credit line, with USDT/USDC/DAI/ETH collateral support added.
- **Tags:** Argentina, Peru, BTC Rewards, No Fee

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Argentina Peso | 0.5% | Pay with ARS (Argentina) |
| Argentina Crypto | 2% | Pay with crypto (Argentina) |
| Peru Sol | 0.1% | Pay with PEN (Peru) |
| Peru Crypto | 1% | Pay with crypto (Peru) |

### Belo Card

- **Provider:** Belo
- **Status:** active (LATAM)
- **Type:** Debit, Mastercard
- **Cashback:** 2-21%
- **Fee:** $0
- **Region:** Argentina
- **KYC:** standard
- **Availability:** Argentina/Brazil
- **Last Verified:** 2026-08-07
- **Website:** https://www.belo.app
- **Detailed Fees:** ATM: 3% or 0.50 USDT min
- **Mobile Pay:** Apple Pay, Google Pay
- **Note:** First crypto Mastercard in Latin America. Gamified cashback: randomly between 2% and 21% per purchase (per official help center), credited within 72 business hours. First 21 transactions/day eligible; 20,000 ARS monthly cashback cap. Cashback program valid only for Argentine users. Brazil supported via Pix integration. Raised $14M Series A April 2026 led by Tether (also Titan Fund, The Venture City, Mindset Ventures, G2) to expand into Mexico, Chile, Colombia, Peru, Bolivia, Paraguay. 3M+ users across LATAM. Part of Mastercard Start Path Crypto program.
- **Tags:** Argentina, High Rewards, Freelancers, Remote Workers

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Random Cashback | 2% | Randomized 2-21% per purchase (first 21 transactions/day), crypto type also random unless user pins a specific asset |
| Max Possible | 21% | 20,000 ARS monthly cashback cap; valid for Argentine users only |

### Ripio Card

- **Provider:** Ripio
- **Status:** active (LATAM)
- **Type:** Debit, Visa
- **Cashback:** 0.5-2%
- **Fee:** $0
- **Region:** LATAM + US + Spain (8 countries)
- **KYC:** standard
- **Availability:** Argentina/Brazil/Mexico/Colombia/Chile/Uruguay/US/Spain
- **Last Verified:** 2026-08-07
- **Website:** https://www.ripio.com
- **Detailed Fees:** ATM: Not supported (purchases only); Top-up: Free
- **Note:** 10M+ users. 2% cashback in USDT, BTC, ETH, or UXD (Ripio's own LaChain-issued USD-pegged stablecoin) on crypto-funded purchases; 0.5% on ARS purchases. 4% promo for new users (first 30 days). Spain entry via crypto exchange license; US operations launched November 2024 after Florida Office of Financial Regulation license. Annual card spend limit $7,500 USD (per Ripio help center).
- **Tags:** LATAM, Multi-Country, 10M+ Users, US, Spain

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Fiat Purchases | 0.5% | Pay with ARS |
| Crypto Purchases | 2% | Pay with crypto |
| New User Promo | 4% | First 30 days (crypto) |

### Coinbase Debit Card

- **Provider:** Coinbase
- **Status:** active
- **Type:** Debit, Visa
- **Cashback:** Up to 4%
- **Fee:** $0
- **Region:** US (excl. HI)
- **KYC:** full
- **Availability:** US
- **Last Verified:** 2026-08-07
- **Website:** https://www.coinbase.com/card
- **Detailed Fees:** Conversion: ~2.49%
- **Mobile Pay:** Apple Pay, Google Pay
- **Note:** Separate from Coinbase One credit card. Rotating monthly crypto rewards, choose which crypto to earn each month. Up to 4% on select altcoins, ~1% on BTC/ETH. Zero spending/annual fees. Crypto auto-sold to fiat at purchase. NOT available in Hawaii.
- **Tags:** US Only, No Fee, Rotating Rewards, Visa, Established

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Major Crypto | 1% | BTC, ETH, DOGE, lower rates |
| Select Altcoins | 4% | Varies monthly (e.g. GRT, AMP) |

### Crypto.com US Credit Card

- **Provider:** Crypto.com
- **Status:** active (US Credit)
- **Type:** Credit, Visa
- **Cashback:** 1.5-6.5% CRO
- **Fee:** $0
- **Region:** US (49 states, excl. NY)
- **KYC:** full
- **Availability:** US
- **Last Verified:** 2026-08-07
- **Website:** https://crypto.com/us/cards
- **Detailed Fees:** Inactivity: $4.95/mo after 12 months
- **Mobile Pay:** Apple Pay, Google Pay, Samsung Pay
- **Note:** US-specific true credit card via Bread Financial (Visa Signature). Separate from global prepaid debit card. Uncapped CRO rewards. Level Up program (Sept 2, 2025 revamp) with lifestyle perks (Spotify, Netflix). Welcome bonus up to $300. Icy/Rose: 5% intro first 12 months, then 4% ongoing. Obsidian: 6.5% intro first 12 months, then 5% ongoing. BTC reward option (toggleable with CRO): Basic 1.5% on the first $250/mo then 1%; Plus 3.5% on the first $500/mo then 2%; Pro 4.5% on the first $1,000/mo then 2%; Icy/Rose 5% on the first $5,000/mo then 2%; Obsidian 6% on the first $10,000/mo then 2%. CRO rewards remain uncapped at every tier.
- **Tags:** US Only, True Credit, High Rewards, Visa Signature

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Midnight (Basic) | 1.5% | Free, no CRO lockup |
| Ruby Steel (Plus) | 3.5% | $4.99/mo or $49.90/yr OR $500 CRO 12-month lockup |
| Jade/Indigo (Pro) | 4.5% | $29.99/mo or $299.90/yr OR $5,000 CRO 12-month lockup |
| Icy/Rose (Private) | 5% | $50,000 CRO 12-month lockup (5% first year, 4% ongoing; no subscription option) |
| Obsidian (Private) | 5% | $500,000 CRO 12-month lockup (6.5% first year, 5% ongoing; no subscription option) |

**Recent changes**

- 2026-08-07: BTC reward option per-tier caps recorded: Basic 1.5% on first $250/mo then 1%, Plus 3.5% on first $500/mo then 2%, Pro 4.5% on first $1,000/mo then 2%, Icy/Rose 5% on first $5,000/mo then 2%, Obsidian 6% on first $10,000/mo then 2%, with CRO rewards remaining uncapped at every tier

### Robinhood Gold Card

- **Provider:** Robinhood
- **Status:** active (3% Everything)
- **Type:** Credit, Visa
- **Cashback:** 3% all + 5% travel
- **Fee:** $50/yr or $5/mo (Gold membership)
- **Region:** US Only
- **KYC:** full
- **Availability:** US
- **Last Verified:** 2026-08-07
- **Website:** https://robinhood.com/creditcard/
- **Detailed Fees:** FX: 0% (cards acquired before Jul 1, 2026); 3% (cards acquired on or after Jul 1, 2026)
- **Mobile Pay:** Apple Pay, Google Pay
- **Note:** ⚠️ CRYPTO CASHBACK ONLY, Traditional credit card. Does NOT use crypto for payments. Cash back redeems at $0.01/point for cash deposit to Robinhood brokerage (or 0.7c/point as statement credit), and can be used to buy crypto. Requires Robinhood Gold ($5/mo or $50/yr, unchanged as of August 2026; a reported move to $75/yr has still not appeared on the official site). FOREIGN TRANSACTION FEE ADDED: cards acquired on or after July 1, 2026 are charged 3% on purchases in a foreign currency; cards acquired before that date remain fee-free on overseas purchases per Robinhood support. Issued by Coastal Community Bank. Visa Signature metal card.
- **Tags:** US Only, True Credit, High Rewards, Crypto Cashback Only

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| All Purchases | 3% | Robinhood Gold membership |
| Travel Portal | 5% | Booked via Robinhood Travel |

### Robinhood Platinum Card

- **Provider:** Robinhood
- **Status:** active (Premium)
- **Type:** Credit, Visa
- **Cashback:** 1-10%
- **Fee:** $695/yr
- **Region:** US Only
- **KYC:** full
- **Availability:** US
- **Last Verified:** 2026-08-07
- **Website:** https://robinhood.com/us/en/creditcard/platinum/
- **Detailed Fees:** FX: 0%
- **Mobile Pay:** Apple Pay, Google Pay
- **Note:** ⚠️ CRYPTO CASHBACK ONLY, Traditional premium credit card launched March 4-5, 2026 at Robinhood 'Take Flight' event. Does NOT use crypto for payments. Cash back redeemable for crypto at $0.01/point. $1,000/yr travel credits ($700 hotel + $300 flight, bookings via Robinhood Travel), $250 annual dining credit (15K+ restaurants), $120/yr DoorDash promo + complimentary DashPass, $250 Waymo autonomous-rides credit, unlimited Priority Pass (1,400+ lounges), WHOOP Peak membership ($239/yr value; replaced the originally announced Oura perk), Amazon One Medical, Eight Sleep one-time credit up to $1,000, $365 Function Health membership, $120 Global Entry/TSA PreCheck credit, real platinum-plated card. Perks were reworked between the March 2026 announcement and the live rollout. Invite-only; invite rollout expanded July 22, 2026. Gold membership free. Up to 5x higher credit limits vs Gold. Competes with AmEx Platinum.
- **Tags:** US Only, True Credit, Premium, Crypto Cashback Only, New

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| All Other | 1% | All other purchases |
| Dining | 5% | Capped at $50K/yr spend |
| Flights | 5% | Booked via Robinhood Travel |
| Hotels/Rental Cars | 10% | Booked via Robinhood Travel |

**Recent changes**

- 2026-07-23: Launch-version perks recorded per official card page: $250 dining credit and $120 DoorDash promo + DashPass added, WHOOP Peak replaced the announced Oura perk, Eight Sleep/Function Health/Global Entry credits added; travel credit confirmed at $1,000/yr

### Floki Card

- **Provider:** Floki
- **Status:** active (Zero Fees)
- **Type:** Debit, Mastercard
- **Cashback:** 0%
- **Fee:** €10-€32 one-time
- **Region:** 31 EU countries
- **KYC:** standard
- **Availability:** EU
- **Last Verified:** 2026-08-07
- **Website:** https://floki.com/debit-card
- **Detailed Fees:** Conversion: 0%; FX: 0%; Top-up: 2%
- **Mobile Pay:** Apple Pay, Google Pay
- **Note:** Launched December 9, 2024. No cashback program; value prop is 0% transaction fees + 0% exchange rate fees. 2% top-up fee. Available across 31 EU/EFTA countries (incl. Iceland, Liechtenstein, Norway, Switzerland). Supports 13+ cryptos across 8 chains: FLOKI, BTC, ETH, USDT, EURT, XAUT, USDC, BNB, SOL, DOGS, HMSTR, TON, NOT. Virtual €10, Physical €32 + shipping. Daily limit €5K (standard), 50K USDT VIP planned.
- **Tags:** EU Only, Mastercard, Multi-Chain, Zero Fees

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Standard | 0% | No cashback program, card value is zero fees |

### Shakepay Card

- **Provider:** Shakepay
- **Status:** active (Canada)
- **Type:** Debit, Visa
- **Cashback:** 1-1.5% BTC
- **Fee:** $0
- **Region:** Canada Only
- **KYC:** standard
- **Availability:** Canada
- **Last Verified:** 2026-08-07
- **Website:** https://shakepay.com/card
- **Detailed Fees:** Conversion: ~1.5-2% spread; FX: Base 3% / Bright 1.5% / Blue 0%; ATM: Not supported
- **Mobile Pay:** Apple Pay, Google Pay
- **Note:** Canada's leading crypto card. First crypto company granted Payments Canada membership. Supports BTC and ETH only. Interac e-Transfer top-up. Apple/Google Pay. Three reward statuses (Base 1%/Bright 1.25%/Blue 1.5%) reset monthly based on activity. 3% new user boost ended Nov 2025.
- **Tags:** Canada Only, Bitcoin, Visa, No Fee

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Base | 1% | Default tier (no qualifying activity); 3% FX fee |
| Bright | 1.25% | Exchange $100+ OR receive $200+ direct deposits/mo; 1.5% FX |
| Blue | 1.5% | Exchange $1,000+ OR receive $2,000+ direct deposits/mo; 0% FX |

### SafePal Card

- **Provider:** SafePal
- **Status:** active
- **Type:** Debit, Visa/Mastercard
- **Cashback:** 0% (2-3% travel promos only)
- **Fee:** $0
- **Region:** Global (NOT US)
- **KYC:** standard
- **Availability:** Global
- **Last Verified:** 2026-08-07
- **Website:** https://www.safepal.com/en/bank
- **Detailed Fees:** Conversion: 0.3-1% on top-up; FX: 0% in EUR/CHF/USD/CNY; 1% other; Top-up: 1% bank with up to 0.6% rebate; 0.3-0.5% crypto
- **Mobile Pay:** Apple Pay, Google Pay, Samsung Pay
- **Note:** Hardware wallet maker. Mastercard is the primary card (Fiat24 banking gateway); Visa variant also offered. Swiss IBAN (CHF/EUR/USD). Expanded to India, Malaysia, Singapore, UAE. Entravel 3% promo ran Dec 10, 2025 - Mar 7, 2026 and ENDED; ongoing 2% cashback on hotel bookings via Entravel SafePal portal/in-app continues. 1% standard top-up fee with rebates up to 0.6% by tier; 1% Fiat24 currency exchange. SafePal '666 Zero Fee Subsidy' covers exchange losses on first $666/mo spending. On-ramp feature disabled (use MoonPay). Apple/Google Pay. NOT available in US. Fiat24 (SafePal's Swiss banking partner) suspended new account onboarding for mainland-China residents effective June 5, 2026 (existing accounts unaffected).
- **Tags:** Global, Hardware Wallet, Visa, Swiss IBAN, NOT US

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| General Purchases | 0% | All non-Entravel purchases |
| Entravel Hotels | 2% | Hotel bookings via Entravel post-promo (3% promo ran Dec 10, 2025-Mar 7, 2026; ongoing 2% rate continues) |

### CoinW Card

- **Provider:** CoinW
- **Status:** active
- **Type:** Debit, Visa/Mastercard
- **Cashback:** 0%
- **Fee:** Variable
- **Region:** Global
- **KYC:** standard
- **Availability:** Global
- **Last Verified:** 2026-08-07
- **Website:** https://www.coinw.com/crypto-card
- **Detailed Fees:** Conversion: 1% in USD; FX: 2% on non-USD; Top-up: 2% USDT top-up
- **Mobile Pay:** Apple Pay, Google Pay, Samsung Pay
- **Note:** USD Virtual Card PRO (CW553) is a Mastercard prepaid; physical card and Visa version also offered. Real-time USDT to USD conversion at top-up. Acceptance: 50M+ merchants in 176 countries. Initial issuance fee $15 virtual / $98 physical; no annual/monthly/renewal fees afterwards. 2% top-up fee. 10 USDT activation reward (launch promo, intermittently renewed). Cross-border payments supported.
- **Tags:** Global, USDT, Virtual + Physical

**Cashback Tiers**

No tier data available.

### Cryptomus Card

- **Provider:** Cryptomus
- **Status:** active (Virtual)
- **Type:** Debit, Visa/Mastercard
- **Cashback:** 0%
- **Fee:** $4 issuance + 3.2% top-up
- **Region:** Global
- **KYC:** standard
- **Availability:** Global
- **Last Verified:** 2026-08-07
- **Website:** https://cryptomus.com/cards
- **Detailed Fees:** Top-up: 3.2%
- **Mobile Pay:** Apple Pay, Google Pay
- **Note:** Issue up to 10 virtual Visa or Mastercard cards (70+ BINs supported). Cards issued in ~5 minutes after verification. Fund with USDT/USDC from Cryptomus wallet (min $1 top-up). EUR/USD supported. 2FA, 3DS security. $4/card issuance, 3.2% top-up fee, $0.10-$0.25 per transaction. Funds returnable to wallet without commission.
- **Tags:** Global, Virtual Only, USDT/USDC, Apple/Google Pay

**Cashback Tiers**

No tier data available.

### DeCard

- **Provider:** DCS Card Centre / Standard Chartered
- **Status:** active (Stablecoin Credit)
- **Type:** Credit, Visa
- **Cashback:** Up to 10% (Luminaries)
- **Fee:** $0 (Luminaries: $388/yr)
- **Region:** Singapore
- **KYC:** full
- **Availability:** Singapore
- **Last Verified:** 2026-08-07
- **Website:** https://thedecard.com
- **Detailed Fees:** Conversion: 0% markup (market rate); FX: 1.8%; ATM: 1% or S$5/US$5 minimum; Top-up: 0%; Inactivity: S$5/US$5 standard tier if inactive 90 days (effective Feb 13, 2026); N/A for Luminaries
- **Mobile Pay:** Apple Pay, Google Pay
- **Note:** Singapore's first stablecoin credit card. Standard Chartered serves as principal banking partner; DCS Card Centre (formerly Diners Club Singapore) is issuer. Initial DeCard launch began November 2025 with full rollout in H1 2026; DeCard Luminaries premium tier launched at Token2049 Singapore (Sep-Oct 2025) with up to 10% cashback (capped US$200/mo). Standard tier earns DePoints redeemable for cash, travel, dining, lifestyle. Fund with SGD or convert USDT/USDC (Polygon); merchants paid in fiat. Income requirement: S$30K+ p.a. (citizens), S$60K+ (foreigners). Inactive Account Fee (S$5/US$5) applies to standard DeCard from Feb 13, 2026; not applicable to Luminaries. Plans for global expansion.
- **Tags:** Singapore, Stablecoin, Credit Card, Standard Chartered

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Standard | 0% | Free, earns DePoints redeemable for rewards |
| Luminaries | 10% | $388/yr, capped at $200/mo cashback, concierge + lounge access |

### Plasma One Card

- **Provider:** Plasma
- **Status:** active (Stablecoin Neobank)
- **Type:** Debit, Visa
- **Cashback:** 2-10% XPL
- **Fee:** $0-$199/yr or XPL lock
- **Region:** 150+ countries (NOT US)
- **KYC:** full
- **Availability:** Global
- **Last Verified:** 2026-08-07
- **Website:** https://www.plasma.org/personal
- **Mobile Pay:** Apple Pay, Google Pay
- **Funding:** Assets: USD stablecoins (local-currency deposits auto-converted to dollar stablecoins); Methods: In-app multi-currency deposit converted to USD stablecoins
- **Issuance:** Virtual card: $0 (1 free virtual card on Lite; up to 2 on Core; up to 3 on Platinum)
- **Note:** Stablecoin-native neobank. Three-tier membership relaunched June 12, 2026 (Lite/Core/Platinum); card went live with the new structure via Rain (Visa license) around June 17, 2026. Lite is free with 2% XPL cashback and a $250/mo cap. Core is $199/yr or 20,000 XPL locked for 12 months for 3% base + 5% on AI spending, includes ChatGPT Go. Platinum locks 100,000 XPL for 12 months for 4% base + 10% AI + 10% flights (flight cashback capped at $600/yr) with a $1,000/mo cashback cap, bundles Claude Pro + ChatGPT Plus and travel perks, and earns a boosted 5% yield on the first $500,000 of balance. Core cards are Visa Signature; Platinum cards are Visa Infinite. Cashback paid in XPL token (volatile, USD value depends on price at payout). Up to 6% yield advertised on stablecoin balances (variable; and 10%+ via DeFi protocols like Aave through Vault Operators; not guaranteed). Supports USDT, USDC, USDS. iOS and Android apps live (Android launched July 14, 2026). Seven-day free Core membership window from launch. NOT available to US citizens/residents (attestation required at activation). Restricted in US/Cuba/Iran/North Korea/Syria. Targets emerging markets (Turkey, Argentina, Africa). Virtual + physical with Apple Pay/Google Pay. 2.5B XPL (25% supply) team/investor unlock begins July 2026. Core base cashback steps down by monthly spend: 3% on the first $1,000, 2% on the next $1,000, 1% on the next $1,000, 0.25% above that; the 5% AI rate is capped at $500/mo. Core free-for-6-months promo ended Jul 21, 2026.
- **Tags:** Global, Stablecoin, High Rewards, Non-Custodial, AI

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Lite | 2% | Free, $250/mo cashback cap, virtual card |
| Core | 3% | $199/yr or 20,000 XPL locked 12 months; +5% on AI spending |
| Platinum | 4% | 100,000 XPL locked 12 months, $1,000/mo cashback cap; +10% AI, +10% flights |

**Our Verdict** (updated 2026-07-06)

Plasma One is the neobank arm of Plasma, a stablecoin-focused L1, and its defining trait is a closed token loop: cashback pays in XPL, and the paid tiers are unlocked primarily by locking XPL for 12 months in a vault with no early or partial unlock (Plasma does not support early unlock, partial refund, or pro-rata return of locked XPL). That makes the card less a spending product and more an XPL accumulation and lock vehicle. Bankless flagged the economics as strained at launch: Platinum requires locking 100,000 XPL (about $12,000 at the time of coverage) against an advertised $10,000+ annual value, roughly three quarters of which assumes about $187,500 of annual spend.
The mechanics buried in the terms matter more than the headline rates. Cashback accrues as a USD amount but is paid in XPL at the XPL/USD price at payout (one reviewer observed weekly Thursday payouts in testing), so a falling XPL price silently erodes realized cashback. Rates also step down across bands of monthly qualifying spend, monthly caps apply on some tiers (Plasma keeps the amounts in its Help Center, so they can change), and ATM withdrawals, P2P transfers, crypto purchases, and gambling are excluded entirely. The advertised 2-10% range is real only if you read 2-4% as the tier base rates and 10% as the AI merchant category on Platinum; flight cashback is likewise 10% but capped at $600 per year.
It is a genuinely self-custodial Visa (on-device key generation, and Plasma states it does not custody your assets), issued by Rain, a Visa Principal Member, with account services via Bridge, and usable in over 150 countries. Access is still invite-gated early access per the App Store listing, so treat everything as early and subject to change. Best suited to existing XPL holders who want yield plus spend utility on tokens they already intend to hold long term; a poor fit for anyone wanting a simple stablecoin debit card without token exposure.

What users report: Real user feedback is thin and early: this is an invite-gated product that went live mid-June 2026, so most circulating "reviews" are affiliate or SEO articles rather than user reports. The most concrete first-party signal is the iOS App Store, rated 4.2/5 across only 61 ratings, where positive reviews cite a fast, seamless crypto-to-spend experience while negative reviews describe KYC and onboarding friction (locked address fields blocking required entry), support rejecting applications without investigating an acknowledged UI bug, and support asking users to reset accounts rather than fix issues [1]. Beyond that, one third-party review measured the Earn vault near 3.9% APY in testing and observed cashback paying out weekly on Thursdays, but these are reviewer observations, not aggregated user sentiment [2]. No substantial Reddit or Trustpilot complaint volume had surfaced as of this date, consistent with a small, invite-gated user base.
Sources: https://apps.apple.com/us/app/plasma-one-stablecoin-card/id6759033493 https://www.spendnode.io/crypto-cards/plasma-one/

**Recent changes**

- 2026-07-29: Android app launch recorded (went live July 14, 2026, previously noted as shipping June); Platinum flight cashback cap ($600/yr) and Visa tier levels (Core: Signature, Platinum: Infinite) recorded from Plasma's official site
- 2026-07-27: Core annual price confirmed at $199/yr (or 20,000 XPL locked 12 months) on Plasma's official Core page; Core base cashback recorded as stepping down by monthly spend (3%/2%/1%/0.25%) with the 5% AI rate capped at $500/mo; card link updated to plasma.org after plasma.to redirect
- 2026-07-23: Core free-for-6-months promo recorded as ended July 21, 2026
- 2026-07-07: Advertised balance yield corrected to up to 6% (variable) per Plasma's official site, up from the previously recorded 5%
- 2026-06-17: Restructured to Lite/Core/Platinum membership tiers: cashback now 2-10% XPL, membership $0-$120/yr or XPL lock

### Tuyo Card

- **Provider:** Tuyo
- **Status:** active
- **Type:** Debit, Visa
- **Cashback:** TUYO Points
- **Fee:** $0
- **Region:** US + LATAM
- **KYC:** full
- **Availability:** 41 countries (US/LATAM/Spain/select EU)
- **Last Verified:** 2026-08-02
- **Website:** https://tuyo.com/card
- **Detailed Fees:** Conversion: 0%; FX: Up to 1%; ATM: Not supported; Top-up: 0%
- **Mobile Pay:** Apple Pay, Google Pay
- **Note:** Self-custodial, USDC-on-Base spending. Available in 41 countries including US (live), Canada, Spain, select EU markets, and LATAM (Mexico, Argentina, Brazil, Chile, Colombia, plus Caribbean/Central America). Virtual only (physical coming). No ATM withdrawals. Apple Pay / Google Pay. Tiered daily spend limits: starts at $10K/day, scales to $50K standard, then $100K-$200K with verified spending history. 0% FX on USD, ~1% on non-USD. TUYO token TGE completed — token now trading on Bitget. 'Buy Now, Pay Maybe' feature launched May 2026 (some purchases randomly free). Vaults yield ~11% APY on USDC.
- **Tags:** LATAM, US, Self-Custody, No Fee, Stablecoin

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Standard | 0% | Earns TUYO tokens (token now trading post-TGE) |

### Bitsika Card

- **Provider:** Bitsika
- **Status:** active
- **Type:** Debit, Visa
- **Cashback:** 0%
- **Fee:** $0
- **Region:** Africa (10+ countries)
- **KYC:** full
- **Availability:** Ghana/Nigeria/Cameroon/Togo/Benin/Ivory Coast/Senegal/Burkina Faso/Kenya/Uganda
- **Last Verified:** 2026-08-02
- **Website:** https://www.bitsika.com
- **Detailed Fees:** ATM: Not supported (virtual only); Top-up: $3 card creation fee
- **Mobile Pay:** Apple Pay, Google Pay
- **Note:** Africa-focused virtual Visa card; usable anywhere Visa is accepted (200+ countries online). Fund with BTC or USDT. Works with Apple Pay, Google Pay, PayPal. No limit on virtual cards created. $3 card creation fee. Full KYC required before any transaction per Bitsika's KYC/AML policy. Card issuance live across 10 African countries. App actively maintained (latest update June 2026, v3.3.38); user reports cite per-transaction fees and inconsistent virtual-card reliability. NOTE: 2026 industry coverage flags 'no-KYC' Africa card models as relying on legal grey areas rather than direct regulatory compliance.
- **Tags:** Africa, Virtual Only, No Cashback

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Standard | 0% | No cashback program |

**Recent changes**

- 2026-07-07: KYC corrected to full per Bitsika's own KYC/AML policy (no transacting accounts without verification); unsupported $500K/mo top-up limit removed

### SolCard

- **Provider:** SolCard
- **Status:** active (Solana)
- **Type:** Debit, Visa/Mastercard
- **Cashback:** 0%
- **Fee:** $0
- **Region:** Global (150M+ merchants)
- **KYC:** optional
- **Availability:** Global
- **Last Verified:** 2026-08-07
- **Website:** https://www.solcard.cc
- **Detailed Fees:** Conversion: 5% (virtual), 0% (Platinum); FX: 2%; Top-up: 5% (virtual), 0% (Platinum)
- **Mobile Pay:** Apple Pay, Google Pay
- **Limits:** Monthly spend: Virtual: $5,000/month; Platinum: no limit
- **Issuance:** Virtual card: $10; Time to card: ~18 seconds (Virtual, no KYC)
- **Note:** Two card tiers: Virtual (no-KYC, $5K/mo limit, 5% top-up fee, online-only, $10 issuance, 2% FX, $1 ATM, $0.30/txn purchase fee, $0.15 fee on sub-$10 purchases) and Platinum (KYC, no limit, 0% top-up, no transaction fees, IRL + Apple/Google Pay). 500K+ users. NO cashback program of any kind is currently live; the 8% SOLC staking cashback announced Aug 2025 was never released and SolCard's own blog states there is no cashback program. Marketing pivoted away from cashback, now emphasizes fees, privacy, Apple Pay.
- **Tags:** Solana, Global, Dual Network

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Base | 0% | No cashback program currently exists |

**Our Verdict** (updated 2026-07-06)

SolCard is a real, working Solana-based prepaid card, not a scam, but it is a narrow tool: a no-KYC virtual card that converts a crypto top-up to fiat at the point of sale, aimed at online spending. The Virtual tier issues in about 18 seconds with no identity check but carries a $10 issuance fee, a 5% top-up fee, and a $5,000 monthly limit; the KYC'd Platinum tier removes the top-up fee, lowers FX, adds Apple Pay and Google Pay, and lifts the cap. It suits privacy-focused users funding online subscriptions from stablecoins, not people who want a daily-driver card.
The spec-table caveats matter more than the specs. There is no physical card and no ATM access at either tier, and there is no cashback or rewards program at all: an independent 2026 review states there is "no rewards program at either tier", and SolCard's own blog concedes "there is no cashback program". Any "up to 8%" figure attached to this card is not backed by anything currently published on SolCard's site; the official product page lists fees, limits, and tiers with no reward rate anywhere.
The biggest operational risk is enforcement. Merchant rules are strict and automated: a card can be declined, restricted, cancelled, or frozen based on merchant type, transaction pattern, or compliance flags, and on the no-KYC card a single blocked-merchant transaction can result in permanent deactivation with a frozen balance that support may not be able to reverse. Ten consecutive insufficient-balance declines, or a decline rate above 20%, can also trigger permanent deactivation. SolCard's help center says a cancelled card's balance can still be withdrawn to your wallet, but only "as long as no rules were broken", which puts the burden on the user. Test with small amounts before committing a meaningful balance.

**Recent changes**

- 2026-07-07: Cashback corrected to 0%: no live cashback program exists per SolCard's own blog and product page; the 8% SOLC staking rate announced in August 2025 was never released
- 2026-02-13: Tiered cashback recorded (up to 8% on the Platinum tier)

### SwissBorg Card

- **Provider:** SwissBorg
- **Status:** active (New)
- **Type:** Debit, Mastercard
- **Cashback:** Up to 90-99% fees in BORG
- **Fee:** $0
- **Region:** 30 countries (EEA/Switzerland)
- **KYC:** full
- **Availability:** EEA/Switzerland
- **Last Verified:** 2026-08-07
- **Website:** https://swissborg.com/crypto-debit-card
- **Detailed Fees:** Conversion: 0.99% (offset by BORG cashback)
- **Mobile Pay:** Apple Pay, Google Pay
- **Issuing bank:** UAB Monavate
- **Fiat custody:** Fiat balances sit in a SwissBorg fiat wallet legally held in the company's name with an unnamed regulated fiat custodian; the account is not a bank, deposit, or custody account.
- **Licence:** EMI (Bank of Lithuania, EEA) (register: https://www.lb.lt/en/sfi-financial-market-participants/uab-monavate)
- **Personal IBAN:** Yes
- **Receives third-party transfers:** No
- **Sends third-party transfers:** No
- **Transfer limits:** Cumulative by KYC level: Level 1 EUR 5,000 in/out; Level 2 EUR 50,000 in, EUR 1,000,000 out; Level 3 unlimited
- **Banking note:** The unique per-user IBAN (user as beneficiary) is a virtual IBAN over an account legally held by SwissBorg, on the platform fiat wallet; the card itself can only be funded from crypto. Deposits and withdrawals are own-name only. The Bank of Lithuania fined card issuer UAB Monavate EUR 270,000 with a warning on 2025-11-25.
- **Note:** LAUNCHED Feb 25, 2026. Virtual Mastercard via Monavate. Real-time crypto-to-fiat via Meta-Exchange (30+ CEXs/DEXs). 0.99% exchange fee on spending, offset by BORG cashback (5-99% of fee returned based on loyalty rank). 800K+ users. Physical card coming later. The Bank of Lithuania fined issuer UAB Monavate EUR 270,000 with a warning on 2025-11-25 for AML, management, and reporting breaches.
- **Tags:** EEA/Switzerland, Mastercard, BORG Rewards, New

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Standard | 0.05% | No BORG locked (5% of 0.99% fee) |
| Bronze | 0.15% | 1,000 BORG locked (15% of 0.99% fee) |
| Silver | 0.3% | 3,000 BORG locked (30% of 0.99% fee) |
| Gold | 0.5% | 10,000 BORG locked (50% of 0.99% fee) |
| Platinum | 0.64% | 30,000 BORG locked (65% of 0.99% fee) |
| Diamond | 0.79% | 60,000 BORG locked (80% of 0.99% fee) |
| Elite | 0.98% | 100,000 BORG locked (90-99% of 0.99% fee) |

### Mercuryo Spend Card

- **Provider:** Mercuryo
- **Status:** active
- **Type:** Debit, Mastercard
- **Cashback:** 0%
- **Fee:** $0 (€1/mo inactivity)
- **Region:** EEA
- **KYC:** full
- **Availability:** EEA
- **Last Verified:** 2026-08-07
- **Website:** https://mercuryo.io/spend
- **Detailed Fees:** Inactivity: €1/mo after 3 months
- **Mobile Pay:** Apple Pay, Google Pay
- **Note:** Virtual Mastercard launched April 2025. Integrated into Ledger Live. Supports BTC, ETH (stablecoins planned). EUR 40,000/mo spending limit. €1/mo inactivity fee only after 3 consecutive inactive months. Apple/Google Pay. Cashback programme announced but not yet live.
- **Tags:** EEA, Ledger Integration, Virtual Only, No Cashback

**Cashback Tiers**

No tier data available.

### Trustee Plus Card

- **Provider:** Trustee Global
- **Status:** active
- **Type:** Debit, Visa
- **Cashback:** 0%
- **Fee:** $0
- **Region:** EEA
- **KYC:** full
- **Availability:** EEA
- **Last Verified:** 2026-08-07
- **Website:** https://trusteeglobal.eu
- **Detailed Fees:** Conversion: 0%; FX: Visa exchange rate, no stated markup; ATM: Not available; Top-up: 0.5%
- **Limits:** Monthly spend: $30,000
- **Issuance:** Virtual card: $10
- **Note:** Crypto-funded prepaid Visa for EEA residents, issued in Great Britain. CARD ISSUER CHANGE: original Quicko Sp. z o.o. cards stopped working Feb 3, 2026 after KNF license revocation (Jan 2026). Replacement card launched Feb 2026 (exited beta Mar 10, 2026). New card issuer: Wirex (UK fintech). The replacement card is a Visa Prepaid with USD as its base currency (the original Quicko card was a euro Mastercard), valid 3 years. Card payments carry 0%; the card balance is topped up from the wallet in USDC or USDT at 0.5%; conversion to local currency at payment runs at the Visa exchange rate with no stated markup. Issuance USD 10 (virtual), maintenance free. Physical card is listed as temporarily unavailable with a waitlist (previously EUR 25). ATM cash withdrawals are not available on the replacement card. Transaction limit 30,000 USD per month. Supports 30+ cryptos including BTC/ETH/USDT/TRX. 1M users milestone reached. Trustee Travel launched separately (4% cashback on hotel bookings). NBU recognized Trustee Plus as illegal in Ukraine (Dec 2025) — applies to wallet, not EEA card. Regulatory caveat: the operator's Lithuanian entity had not completed the required VASP-to-CASP (MiCA) transition per its own service notice, and does not appear in aggregated CASP-authorization lists as of July 2026 — EEA wallet/exchange layer status uncertain (card issuance itself runs via Wirex UK).
- **Tags:** EEA, No Fee, Virtual Only, No Cashback

**Cashback Tiers**

No tier data available.

**Recent changes**

- 2026-08-07: Replacement card recorded from the official card page as a Visa Prepaid with USD base currency, not the euro Mastercard carried over from the Quicko-issued original; card payments 0%, balance top-up 0.5%, local-currency conversion at the Visa rate, issuance USD 10 virtual, 30,000 USD monthly transaction limit. Physical card listed as temporarily unavailable (waitlist) and ATM cash withdrawals listed as unavailable
- 2026-07-10: New card issuer identified as Wirex (UK fintech), replacing the previously unnamed post-Quicko issuer

### Pionex Card

- **Provider:** Pionex
- **Status:** active
- **Type:** Debit, Visa/Mastercard
- **Cashback:** 0.1-1% USDT
- **Fee:** $0
- **Region:** Global (NOT US/China)
- **KYC:** full
- **Availability:** Global
- **Last Verified:** 2026-08-07
- **Website:** https://www.pionex.com
- **Detailed Fees:** Conversion: 1% (offset by 1% cashback); FX: 1% Visa / 2% Mastercard (since Feb 3, 2026); ATM: 2% (no cashback on ATM)
- **Mobile Pay:** Apple Pay, Google Pay
- **Note:** Cashback split Mar 20, 2026: 0.1% on USD transactions, 1% on non-USD (was flat 1%). 5% APR on card account balance (compounded hourly). USDT-only funding. 5% Trip.com travel rewards. Apply requires Pionex KYC Level 2 plus account assets ≥100 USDT. Mastercard supports Apple/Google/LINE Pay and PayPal. Virtual card only (physical via limited promos). NOT available in US, China, or sanctioned countries. No cashback on eToro, TikTok, Wise, or ATM withdrawals. Effective Feb 3, 2026: Mastercard FX raised to 2%; Visa remains 1%. Transactions under $1 get one free per month, then $0.20 each.
- **Tags:** Global, USDT Cashback, 5% APR, Virtual Only

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| USD Transactions | 0.1% | USD-denominated transactions (reduced from 1% on Mar 20, 2026) |
| Non-USD Transactions | 1% | Non-USD transactions, no cap |

### Fuse Card

- **Provider:** Squads Labs
- **Status:** active
- **Type:** Debit, Visa
- **Cashback:** 0%
- **Fee:** $0
- **Region:** US (excl. NY, AK, FL, LA) + Argentina
- **KYC:** full
- **Availability:** US + Argentina
- **Last Verified:** 2026-08-07
- **Website:** https://fusewallet.com
- **Detailed Fees:** Conversion: 0%; FX: ~1% Visa cross-border; Top-up: 0%
- **Mobile Pay:** Apple Pay, Google Pay
- **Note:** Self-custodial Solana card via Squads Protocol, in partnership with Bridge. USDC spent directly from wallet at point of sale, no pre-loading. Virtual only (no physical card). No top-up or transaction fees per Fuse blog. US (excl. NY, AK, FL, LA — all four state exclusions confirmed Jun 2026 via AltcoinBuzz/OpenCryptocards) + Argentina + 17 other countries (primarily LATAM). 4-8% DeFi yield on USDC via Fuse Earn. Apple/Google Pay. Visa cross-border fee ~1% may apply outside US. $2K daily spend limit.
- **Tags:** Non-Custodial, Solana, Visa, No Fee, US Available

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Standard | 0% | No cashback program |

### WhiteBIT Nova Card

- **Provider:** WhiteBIT
- **Status:** active (New)
- **Type:** Debit, Visa
- **Cashback:** 1-10% (€25/mo cap)
- **Fee:** €0
- **Region:** EEA/Ukraine
- **KYC:** full
- **Availability:** EEA/Ukraine
- **Last Verified:** 2026-08-07
- **Website:** https://whitebit.com/nova
- **Detailed Fees:** Conversion: ~1%; FX: 0%; ATM: EUR 2 (EEA), EUR 2 + 2% (outside EEA)
- **Mobile Pay:** Apple Pay, Google Pay
- **Limits:** Daily spend: EUR 10,000; Monthly spend: EUR 25,000 (shared across virtual and physical); Daily ATM: EUR 1,000 (EUR 3,000/mo, physical card only)
- **Issuing bank:** Wallester AS
- **Licence:** Payment institution (licence no. 4.1-1/224) (Finantsinspektsioon, EEA) (register: https://www.fi.ee/en/supervised-entities)
- **Personal IBAN:** No
- **Banking note:** No safeguarding statement is published; the card spends directly from the user's exchange balance. EUR SEPA deposit IBANs are held by payment providers, not the user, and third-party deposits are returned; withdrawals go only to the user's own verified account. Available in 30 EEA countries plus Ukraine.
- **Note:** Category-based cashback: pick up to 3 active categories (changeable every 7 days) with rates of 10% Subscriptions, 5% Pets, 3% Taxi, 2% Gaming/Entertainment, 1% Groceries/Food/Medicine/Auto/Electronics/Beauty/Clothing. €25/month total cashback cap. Cashback paid in BTC or WBT (user choice), withdrawable from 5 USDC. Available across 31 European countries (EEA + Ukraine). 'Lite Mode' (flat 3%) was a limited-time promo Oct 15 – Nov 15, 2025 with €10 cap — NOT a permanent feature. 5% welcome bonus on first transaction for new users (since May 22, 2026). MiCA license received June 19, 2026 (Austria FMA).
- **Tags:** EEA, Ukraine, Category Cashback, WBT Token

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Category Mode | 10% | Free, pick up to 3 categories (subscriptions 10%, pets 5%, taxi 3%, gaming/entertainment 2%, others 1%), €25/mo cashback cap |

### Gate Card

- **Provider:** Gate.io
- **Status:** active (New)
- **Type:** Debit, Visa
- **Cashback:** Up to 8%
- **Fee:** €0
- **Region:** EEA
- **KYC:** full
- **Availability:** EEA
- **Last Verified:** 2026-08-07
- **Website:** https://www.gate.io/web3/card
- **Detailed Fees:** Conversion: ~0.9%
- **Mobile Pay:** Apple Pay, Google Pay
- **Issuing bank:** UAB Stanhope Financial
- **Fiat custody:** Client funds backing the e-money are held in a protected client-funds bank account at an unnamed institution, shielded from the issuer's creditors; e-money is not a deposit and pays no interest.
- **Licence:** EMI (Bank of Lithuania, EEA) (register: https://www.lb.lt/en/sfi-financial-market-participants/uab-stanhope-financial)
- **Banking note:** The issuer's Gate-specific terms define the account as a card ledger with no IBAN, while its general terms describe IBAN-numbered accounts; Gate's own pages could not be retrieved to resolve which applies. EEA-only programme.
- **Note:** Gate (formerly Gate.io) exchange card for EEA residents. July 2026 relaunch consolidated the previous cards into a single Visa Platinum and extended the ladder from T0-T4 to T0-T5, with the top rate rising from 5% to 8%. Rates and monthly caps by tier: T0 1% (5 USDT), T1 1% (50 USDT), T2 2% (100 USDT), T3 3% (150 USDT), T4 5% (250 USDT), T5 8% (400 USDT). Dual-track: monthly card spend OR exchange VIP level, whichever qualifies higher (reassessed monthly); the 8% top tier previously required VIP 10+ trading volume and is now also reachable on 15,000 USDT/mo of card spend. Intermediate VIP breakpoints for T2-T4 are not restated in the relaunch announcement. Cashback paid as points (100 pts = 1 USDT), redeemable as BTC/ETH/USDT/GT. Travel rewards: up to 7% on hotel stays, 2% on flights. Single-transaction and daily limits up to $500,000, monthly card spend ceiling $1.5M. Virtual + physical. VIP+1: spending EUR 300+/mo on card grants +1 VIP level boost.
- **Tags:** EEA, Visa, GT Token

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| T0 | 1% | Free, no spend requirement, 5 USDT/mo cashback cap |
| T1 | 1% | 500 USDT/mo card spend or exchange VIP 5-7, 50 USDT/mo cashback cap |
| T2 | 2% | 3,000 USDT/mo card spend or higher exchange VIP level, 100 USDT/mo cashback cap |
| T3 | 3% | 6,000 USDT/mo card spend or higher exchange VIP level, 150 USDT/mo cashback cap |
| T4 | 5% | 10,000 USDT/mo card spend or higher exchange VIP level, 250 USDT/mo cashback cap |
| T5 | 8% | 15,000 USDT/mo card spend or exchange VIP 13-14, 400 USDT/mo cashback cap |

### KuCard

- **Provider:** KuCoin
- **Status:** active (New)
- **Type:** Debit, Visa/Mastercard
- **Cashback:** 1-3%
- **Fee:** €9.99 one-time
- **Region:** EEA + Australia
- **KYC:** full
- **Availability:** EEA + Australia
- **Last Verified:** 2026-08-07
- **Website:** https://www.kucoin.com/kucoin-card
- **Detailed Fees:** Conversion: ~1.5%
- **Mobile Pay:** Apple Pay, Google Pay
- **Note:** KuCoin's EEA debit card (Visa). Cashback = base VIP rate + KCS Loyalty bonus (ratio of staked KCS / total account assets, refreshed daily 07:00 UTC+8). Base rates: VIP 0=1%, VIP 1-4=1.5%, VIP 5-7=2%, VIP 8-10=2.5%, VIP 11-12=3%. KCS bonus tiers: K1 (≤1% ratio)=+0.3%, K2 (1-5%)=+1%, K3 (5-10%)=+2%, K4 (>10%)=+5%. Max combined ~8% (VIP 11-12 + K4). Cashback paid in BTC/ETH/USDT/KCS. €9.99 one-time card fee. Australia card (KuCard-AU, Mastercard, launched Apr 24, 2026): up to 8.5% advertised; AUSTRAC-registered; specific 8.5% promo end date not publicly disclosed.
- **Tags:** EEA, Australia, Visa, KCS Token

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| VIP 0 base | 1% | Free, KuCoin VIP 0 (no holdings/volume), at least 1 KCS staked |
| VIP 1-4 + K1 bonus | 1.8% | VIP 1-4 + KCS staked (1.5% base + 0.3% K1 ratio bonus) |
| VIP 5-7 + K2 bonus | 3% | VIP 5-7 + KCS 1-5% of total assets (2% base + 1% K2 bonus) |
| VIP 8-10 + K3 bonus | 4.5% | VIP 8-10 + KCS 5-10% of assets (2.5% base + 2% K3 bonus) |
| VIP 11-12 + K4 bonus | 8% | VIP 11-12 + KCS >10% of total assets (3% base + 5% K4 bonus) |

### Kolo Card

- **Provider:** Kolo
- **Status:** active (New)
- **Type:** Debit, Visa
- **Cashback:** 1% BTC + 2% welcome
- **Fee:** $0
- **Region:** 60+ countries
- **KYC:** full
- **Availability:** Global
- **Last Verified:** 2026-08-07
- **Website:** https://kolo.xyz
- **Detailed Fees:** Conversion: 1% all transactions; FX: 1% non-domestic
- **Mobile Pay:** Apple Pay, Google Pay
- **Note:** 1% BTC cashback on all purchases ($100/mo cap, $1/txn cap). 2% BTC welcome bonus for first 30 days ($2/txn cap). Rates reduced from 2%/5% at launch (CoinDesk Dec 2025) to current 1%/2% (confirmed SpendNode/kkinvesting Jun 2026). 170+ countries. US excluded (confirmed by multiple third-party reviews). Virtual + physical card; ~10 USDC issuance. 1% transaction fee on all purchases. 0% markup on USDT/USDC/EURC stablecoins. 1% fee for non-domestic merchants. MiCA-ready. Service provider changed from Cryppo UAB to BURVIX SP (Poland) late 2025. Physical card planned Q3 2026. Corporate Visa cards launched. Region listed as 60+ countries per kolo.xyz (third-party sources cite higher figures inconsistently).
- **Tags:** Global, Bitcoin, No Fee, Visa

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Standard | 1% | All purchases, BTC cashback, $100/mo cap, $1/txn cap |
| Welcome Bonus | 2% | First 30 days, $2/txn cap |

### Zypto Card

- **Provider:** Zypto
- **Status:** active
- **Type:** Debit, Visa/Mastercard
- **Cashback:** ZYP token rewards
- **Fee:** $0/mo, $0.30/tx
- **Region:** Global
- **KYC:** full
- **Availability:** Global
- **Last Verified:** 2026-08-07
- **Website:** https://zypto.com
- **Detailed Fees:** Conversion: 3% off-ramp (at load, not swipe); FX: 1.75%; ATM: No Zypto markup; operator fees apply; Top-up: $0.30/txn; $50 physical card; $100 min
- **Mobile Pay:** Apple Pay, Google Pay
- **Note:** Reloadable Visa Card (150+ countries) and single-load Obsidian Mastercard ($10K limit) options. ZYP rewards on spending; ZYP rewards usable to fund Visa card. $0.30 per transaction fee (Zypto slashed Visa fees by 33% in late 2025/early 2026). MO, MS, TN excluded since March 2026. KuCoin Pay integration live across all Zypto products (87,000+ billers, 120+ countries). Chainlink CCIP bridging native in app. Card funded with BTC, ETH, BNB, SOL, TRX, DASH and 100+ tokens. Legacy 'Classic' physical card tier carries materially higher fees than Premium: $6 + 4.5% reload, $4 + 1% ATM, $12/mo maintenance (per official Zypto blog); documented fees here reflect the Premium/virtual cards.
- **Tags:** Global, Dual Network, ZYP Token

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| ZYP Token Rewards | 0% | ZYP token rewards on spending, rate not tracked in database |

### Trade Republic Card

- **Provider:** Trade Republic
- **Status:** active (New)
- **Type:** Debit, Visa
- **Cashback:** 1% EUR saveback
- **Fee:** €0
- **Region:** EU/EEA
- **KYC:** full
- **Availability:** EU/EEA
- **Last Verified:** 2026-08-07
- **Website:** https://traderepublic.com
- **Detailed Fees:** FX: 0%
- **Mobile Pay:** Apple Pay, Google Pay
- **Issuing bank:** Trade Republic Bank GmbH
- **Fiat custody:** Customer cash is held either in omnibus trust accounts at partner banks (covered by those banks' deposit guarantees; the customer bears the trust bank's insolvency risk) or as deposits with Trade Republic Bank GmbH covered by the German statutory deposit guarantee up to EUR 100,000.
- **Licence:** Banking licence (CRR credit institution) (BaFin, EEA) (register: https://portal.mvp.bafin.de/database/InstInfo/institutDetails.do?cmd=loadInstitutAction&institutId=150368)
- **Personal IBAN:** Yes
- **Receives third-party transfers:** Yes
- **Sends third-party transfers:** Yes
- **Banking note:** Scope depends on market: full payment accounts with local IBANs (e.g. Netherlands and Portugal via local branches) support third-party transfers in and out; in Belgium, Ireland, and Luxembourg the IBAN is a clearing-account identifier that cannot initiate payments, and pre-activation accounts accept own-name deposits only. Transfer and card limits are user-set in the app.
- **Note:** 1% saveback on cash purchases (EUR 15/mo cap), 2% on crypto-funded purchases (EUR 30/mo cap). Auto-invested into savings plan (stocks, ETFs, or crypto). Requires EUR 50/mo savings plan to earn saveback. Card variants: Virtual (free), Classic (EUR 5), Mirror (EUR 50). 8M+ card users. German banking license. Crypto wallet launched Nov 2025 enabling direct crypto spend.
- **Tags:** EU/EEA, Visa, Saveback, No Fee

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Cash Saveback | 1% | Fiat-funded purchases, EUR 15/mo max |
| Crypto Saveback | 2% | Crypto-funded purchases, EUR 30/mo max |

### xPortal Card

- **Provider:** xPortal
- **Status:** active
- **Type:** Debit, Mastercard
- **Cashback:** 0.1-0.5% (capped)
- **Fee:** €0
- **Region:** EEA
- **KYC:** full
- **Availability:** EEA
- **Last Verified:** 2026-08-07
- **Website:** https://xportal.com
- **Detailed Fees:** Conversion: ~1%
- **Mobile Pay:** Apple Pay, Google Pay
- **Note:** MultiversX ecosystem card, issued by Capital Financial Services S.A. Tiers evaluated per-token (EGLD or SUI, not cumulative); user needs the full amount in one token to qualify for a tier. xPortal super-app supports BTC, ETH, EGLD, POL, BNB, SOL, DOGE, BERA, SUI as funding sources. Headline 5% rates seen in marketing relate to time-limited promo pools (e.g. Dec 2025 €10K XMN promo), not standing tiers: xportal.com/card runs a banner headline of up to 5% cashback on your shopping, while its own feature table on the same page states cashback of up to 0,5% in EGLD/UTK depending on the amount staked, and marks Mastercard Priceless international cashback as not offered on this card. XMN-specific staking tiers exist but per-tier amounts are not publicly documented. EEA only.
- **Tags:** EEA, Mastercard, MultiversX, EGLD Staking, Staking Required

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Tier 1 | 0.1% | 5 EGLD or 25 SUI staked, €5/mo cashback cap |
| Tier 2 | 0.2% | 25 EGLD or 125 SUI staked, €10/mo cashback cap |
| Tier 3 | 0.3% | 100 EGLD or 500 SUI staked, €15/mo cashback cap |
| Tier 4 | 0.4% | 500 EGLD or 2,500 SUI staked, €20/mo cashback cap |
| Tier 5 | 0.5% | 2,000 EGLD or 10,000 SUI staked, €30/mo cashback cap |

### Rizon Card

- **Provider:** Rizon
- **Status:** active (LATAM)
- **Type:** Debit, Visa
- **Cashback:** 0-5% by tier
- **Fee:** $0
- **Region:** 122+ countries (US/LATAM focus)
- **KYC:** full
- **Availability:** 122+ countries
- **Last Verified:** 2026-08-02
- **Website:** https://www.getrizon.com/card
- **Detailed Fees:** Conversion: 0% USD spend; 1.5% crypto-to-USD swap; FX: 1.5% (1.02% w/ Emerald); ATM: 2% + $3 (USD); $250/withdrawal limit; Top-up: Free
- **Mobile Pay:** Apple Pay, Google Pay
- **Note:** Tiered cashback (0% Basic to 5% Diamond) plus separate RIZpoints earned per dollar. Tier progression is activity-based but exact spending/subscription thresholds are not publicly disclosed (confirmed May 2026). Rizon+ subscription ($0.99/mo) reduces FX fees but is separate from tier progression. RIZpoints redeemable for airline tickets, hotel stays, gift cards. Uses Rain infrastructure (Visa Principal Member). Self-custody USDC/USDT across 6 chains (Solana, Polygon, Arbitrum, Avalanche, Optimism, Base). Apple/Google Pay. Virtual + physical. Metal card tier announced but not yet launched. Country coverage corrected from 147+ to 122+ on 2026-08-02: getrizon.com states "Available in 122+ countries" and "works in ~122 countries". Eligibility is narrower than acceptance, the site restricts accounts to residents domiciled in the US or LATAM. The card page separately advertises "2.5% back on every eligible purchase", which contradicts Rizon's own RIZpoints page (Basic 0%, Silver 1%, Gold 2%, Emerald 3%, Diamond 5%); the tier table is treated as authoritative here.
- **Tags:** US, LATAM, Visa, Points-Based, Tiered

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Basic | 0% | Default tier; earn 1 RIZpoint per $10 spent only |
| Silver | 1% | Activity-based progression (thresholds not publicly disclosed); 1 RIZpoint per $10 |
| Gold | 2% | Activity-based progression (thresholds not publicly disclosed); 1 RIZpoint per $8 |
| Emerald | 3% | Activity-based progression (thresholds not publicly disclosed); 1 RIZpoint per $5; cuts FX/trading fees 50% |
| Diamond | 5% | Top tier (thresholds not publicly disclosed); 1 RIZpoint per $1 |

### DeBLOCK Card

- **Provider:** Deblock
- **Status:** active
- **Type:** Debit, Visa
- **Cashback:** 0-1%
- **Fee:** €0-€14.99/mo
- **Region:** EEA
- **KYC:** full
- **Availability:** EEA (30 countries)
- **Last Verified:** 2026-08-07
- **Website:** https://deblock.com
- **Detailed Fees:** Conversion: 0%; FX: 0%
- **Mobile Pay:** Apple Pay, Google Pay
- **Note:** Non-custodial spending via Deblock app. EUR 30M Series A (Speedinvest). Premium cashback is split: 0.1% on EUR transactions, 1% on foreign-currency transactions. Premium tier is a paid subscription (€14.99/mo), NOT BLOCK token-gated. The $BLOCK token (Arbitrum, launched Nov 21, 2025) is currently a utility/airdrop token; specific holdings that boost cashback have NOT been published. First French company with MiCA license (CASP No. A2025-001). Expanding to Germany and Ireland in 2026. DeFi savings: 4% APY via Morpho + Societe Generale (EURCV). Metal LED card launched.
- **Tags:** EEA, Visa, Non-Custodial, BLOCK Token

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Standard | 0% | Free, no cashback (€15K/mo limit, 1 free ATM) |
| Premium (EUR) | 0.1% | €14.99/mo, 0.1% on EUR purchases (€30K/mo limit, 5 free ATM, unlimited swaps) |
| Premium (Foreign) | 1% | €14.99/mo, 1% on non-EUR purchases |
| Native | 1% | Free with Deblock NFT (Premium benefits, NFT-gated) |

### Payy Card

- **Provider:** Polybase Labs
- **Status:** active (Privacy)
- **Type:** Debit, Visa
- **Cashback:** 0%
- **Fee:** $0
- **Region:** Global
- **KYC:** full
- **Availability:** Global
- **Last Verified:** 2026-08-07
- **Website:** https://payy.network
- **Detailed Fees:** Conversion: $0; FX: ~1% (Visa/bank pass-through); ATM: $0 PAYY fee; operator fees apply; Top-up: $0; Inactivity: $0
- **Mobile Pay:** Apple Pay, Google Pay
- **Note:** First self-custodial Visa card using ZK cryptography to conceal payment amounts on-chain (transaction amounts never appear on public blockchain records); identity is still fully KYC-verified via third-party provider. Contactless-only Visa, settled via Visa rails. Premium light-up physical card at 100K points. Total funding now $8M (extended from $6M seed; FirstMark Capital, Robot Ventures, DBA Crypto). 100K+ users across 120 countries; ~$130M annualized transaction volume. Domain redirected from payy.link to payy.network. ATM withdrawal currently in private beta (contact support for access; limits not publicly defined).
- **Tags:** Global, Zero-Knowledge Proof, Privacy, No Cashback

**Cashback Tiers**

No tier data available.

### Fold Credit Card

- **Provider:** Fold
- **Status:** active (New)
- **Type:** Credit, Visa
- **Cashback:** 1.5-4% BTC
- **Fee:** $0
- **Region:** US
- **KYC:** full
- **Availability:** US
- **Last Verified:** 2026-08-07
- **Website:** https://foldapp.com
- **Detailed Fees:** Conversion: n/a (USD credit card, BTC rewards); Top-up: n/a
- **Mobile Pay:** Apple Pay, Google Pay
- **Funding:** Methods: Revolving credit line (Celtic Bank, Visa network, Stripe Issuing)
- **Note:** Limited launch March 2026 (internal cardholders first); public waitlist rollout began May 27, 2026. No-annual-fee Visa credit card issued by Celtic Bank. CORRECTED May 27, 2026: base rate is 1.5% BTC back (originally announced as 2%), uncapped. Additional +0.5% for paying the statement with bitcoin held in a Fold account; up to 4% via extra rewards on the first $2,000/mo (recurring bitcoin buys or direct-to-bitcoin transfers). Fold+ subscription ($100/yr) unlocks up to 20% at select rewards-network merchants. Still in phased rollout (rolling out to waitlist in batches). $250 sign-up bonus. Rewards locked 30 days after posting.
- **Tags:** US Only, True Credit, Bitcoin, No Fee, New

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Base | 1.5% | 1.5% BTC back on all eligible purchases, uncapped |
| Bitcoin Payment Bonus | 2% | +0.5% when paying the statement with bitcoin held in a Fold account |
| Boosted | 4% | Up to 4% via extra rewards on first $2,000/mo (recurring bitcoin buys or direct-to-bitcoin transfers) |

**Our Verdict** (updated 2026-07-06)

The Fold Credit Card is a true Visa credit card issued by Celtic Bank and powered by Stripe Issuing, a different product from Fold's long-running prepaid debit card (issued by Sutton Bank), and it is the first Fold product that earns rewards across Visa's merchant base rather than inside the Fold app. There is no annual fee on the card itself, though Fold notes other fees such as returned-payment and late-payment charges can apply.
The stacking structure is the real differentiator, and also the catch: everyone earns 1.5% back in bitcoin with no cap, paying the statement with bitcoin held in a Fold account adds 0.5%, and the advertised ceiling of 4% depends on additional rewards that apply only to the first $2,000 in monthly purchases and are earned through activity like recurring bitcoin buys or direct-to-bitcoin transfers. In other words, the 4% is a capped, activity-gated best case, not a flat rate, and the dependable number is 1.5% to 2%.
Access is the other constraint. Fold's own annual report describes a limited March 2026 launch in which the first underwritten cardholders were internal team members, and the public rollout to waitlist members only began May 27, 2026 in scheduled batches. Since this is a revolving credit line, the usual credit-card math applies: bitcoin rewards only pencil out for people who pay in full, and there is not yet enough independent cardholder history to judge approvals, limits, or servicing.

What users report: Independent reports specific to this credit card are effectively nonexistent so far, which follows from the timeline: a limited internal launch in March 2026 and batched waitlist rollout starting May 27, 2026 [1][2]. Most online sentiment about "the Fold card" still describes the older prepaid debit product, and the testimonials on Fold's own site are provider-curated, so we do not treat them as independent evidence. Approval odds, credit limits, and reward-posting reliability for this card should be considered unestablished at time of writing.
Sources: https://www.globenewswire.com/news-release/2026/05/27/3302114/0/en/CORRECTION-Fold-Rolls-Out-New-Bitcoin-Rewards-Credit-Card.html https://foldapp.com/

**Recent changes**

- 2026-07-07: Rewards corrected per Fold's official release: 1.5% BTC base uncapped, +0.5% for paying the statement with bitcoin, up to 4% via extra rewards on the first $2,000/mo; launch recorded as limited March 2026 with public waitlist rollout from May 27, 2026
- 2026-06-26: Cashback range revised to 1.5-3% BTC after Fold corrected its originally announced base rate
- 2026-04-02: Launch recorded (live March 17, 2026 as a no-annual-fee Visa credit card issued by Celtic Bank)

### Pengu Card

- **Provider:** Pudgy Penguins (via KAST)
- **Status:** active (New)
- **Type:** Debit, Visa
- **Cashback:** 1.5-3% USD
- **Fee:** $0-$10,000/yr
- **Region:** 170+ countries
- **KYC:** full
- **Availability:** Global (170+ countries)
- **Last Verified:** 2026-08-07
- **Website:** https://www.kast.xyz
- **Detailed Fees:** Conversion: 0% (USDC/USDT funding); FX: 2% non-USD (promo ended June 30, 2026); ATM: $3 + 2% (USD ATM); $3 + 4% (non-USD); $250/withdrawal; Top-up: 0%
- **Mobile Pay:** Apple Pay, Google Pay
- **Note:** Co-branded with KAST. Launched March 2026, virtual card first, physical now available. KAST Season 6 (May 2026) restructured rewards: replaced Points+MOVE token cashback (6-12%) with USD stablecoin cashback (1.5-3%) and introduced annual membership fees. Tier names changed from Standard/Premium/Luxe to Standard/Black/Gold. 14-day timelock on cashback redemption. Spend USDC/USDT/PENGU at 150M+ merchants. 7% yield on balances. Apple Pay & Google Pay supported. 0% FX promo ended June 30, 2026; standard 2% non-USD FX presumed restored.
- **Tags:** Non-Custodial, New

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Pengu Standard | 1.5% | Free, 1.5% USD cashback on first $2,000/mo spend |
| Pengu Black | 2% | $1,000/yr membership, 2% USD cashback on first $10,000/mo + 1% KAST Points |
| Pengu Gold | 3% | $10,000/yr membership, 3% USD cashback on first $50,000/mo + 2% KAST Points |

### Bit2Me Card

- **Provider:** Bit2Me
- **Status:** active (New)
- **Type:** Debit, Mastercard
- **Cashback:** 0.25-9% B2M
- **Fee:** €0
- **Region:** EEA + Argentina
- **KYC:** full
- **Availability:** EEA + Argentina
- **Last Verified:** 2026-08-07
- **Website:** https://bit2me.com
- **Detailed Fees:** Conversion: 0.95%; FX: 1.75% SEPA non-EUR / 2% RoW; ATM: Spain free; Eurozone international €2.50; outside €0.55 + 1%
- **Mobile Pay:** Apple Pay, Google Pay
- **Limits:** Daily spend: EUR 2,500 (also per transaction); Monthly spend: EUR 20,000; Daily ATM: EUR 300 (EUR 3,000/mo)
- **Issuing bank:** Pecunia Cards EDE, S.L.U.
- **Fiat custody:** Funds are safeguarded by Pecunpay under Spanish payment-services law and deposited at Banco Sabadell, Unicaja, Inversis, and Abanca as depositary banks; e-money is not covered by deposit guarantee schemes.
- **Licence:** EMI (Banco de España register no. 6707) (Banco de España, EEA) (register: https://www.bde.es/wbe/en/punto-informacion/contenidos/registros/registros-entidades/)
- **Receives third-party transfers:** No
- **Sends third-party transfers:** No
- **Banking note:** The e-money account behind the card (issued by Pecunia Cards, trading as Pecunpay) has a contractual IBAN, but Bit2Me only surfaces its own bank details plus a reference code for deposits; no personal IBAN is shown to users. Deposits and withdrawals are own-name only. EEA residents only (Argentina card eligibility was removed).
- **Note:** Largest Spanish crypto exchange. MiCA compliant. Cashback paid in B2M tokens (Mastercard issued by Credencial Payments in Argentina). Free ATM withdrawals in EU. €5 delivery surcharge outside Spain. Expanded to Argentina (virtual only) in 2026 as first LATAM market; Colombia, Mexico, Brazil planned next via deepened Mastercard partnership. Portugal/Italy expansion underway. Exact Space Center level breakpoints not fully public; entry is 0.25% (€7.50/mo cap), scales to 7-9% at top levels with B2M staking. Cumulative cashback up to 39% advertised when stacking card cashback with linked stablecoin yield products.
- **Tags:** No Fee, Staking Required, New, LATAM

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Entry Level | 0.25% | Free, €1,000 in assets, €7.50/mo cashback cap |
| Mid Level | 3% | Space Center missions + B2M holding/staking (level breakpoints not publicly numbered) |
| Top Level (Level 7) | 7% | Maximum Space Center level via missions (trading, redemptions, holdings); cannot be reached by staking alone |
| B2M Payment Bonus | 9% | Pay with B2M tokens at Space Center Level 1+ (stacks on top of tier rate) |

### HashPort Card

- **Provider:** Nudge x HashPort
- **Status:** active (New)
- **Type:** Credit, Visa
- **Cashback:** 0.3% JPYC
- **Fee:** ¥0 (¥2,500 issuance)
- **Region:** Japan Only
- **KYC:** full
- **Availability:** Japan
- **Last Verified:** 2026-08-02
- **Website:** https://nudge.cards
- **Note:** Japan's first stablecoin credit card, launched November 21, 2025 by Nudge Inc. with HashPort as Web3 wallet partner. 0.3% cashback in JPYC (yen-pegged stablecoin issued by JPYC Inc., available on Ethereum, Avalanche, and Polygon since Oct 27, 2025). Post-pay (true credit) model, no pre-loading. ¥2,500 (~$17) one-time issuance fee, no annual fee. Repayments made in JPYC. HashPort Wallet exceeded 1M downloads. Sumitomo Mitsui Trust partnership launched June 1, 2026 (Diners Club/Trust Club reward points convertible to JPYC). Wallet update Jan 28, 2026: JPYC payment support + gasless transactions via EIP-7702 smart-wallet conversion (HashPort subsidizes gas for merchant payments).
- **Tags:** Japan Only, Stablecoin Rewards, True Credit, New

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Standard | 0.3% | All purchases |

### Busha Card

- **Provider:** Busha
- **Status:** active (New)
- **Type:** Debit, Mastercard
- **Cashback:** 2-5% category
- **Fee:** $0 ($3 virtual card)
- **Region:** Nigeria/Ghana/Kenya
- **KYC:** full
- **Availability:** Nigeria, Ghana, Kenya
- **Last Verified:** 2026-08-02
- **Website:** https://www.busha.io
- **Detailed Fees:** ATM: Virtual not ATM-enabled; Top-up: Free (USDC funding, min 2 USDC)
- **Note:** SEC-licensed Nigerian crypto exchange with 800K+ users. USDC-only card funding (no USDT). Virtual Mastercard: $3 creation fee, no monthly or transaction fees. Physical card available. Up to 10 cards per account, $10,000 daily funding limit. Rebranded January 2026 as 'Busha 3.0' — full digital money app with local-currency savings, asset-backed loans, stock/ETF access, prediction markets, and expanded virtual-card features. Now operating across Nigeria, Ghana, and Kenya for online payments and ATMs (international Mastercard acceptance).
- **Tags:** Africa, USDC, Stablecoin, New

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Airtime/Data | 2% | Mobile airtime and data purchases |
| Vouchers | 5% | Gift card and voucher purchases |

### BloFin Card

- **Provider:** BloFin
- **Status:** active (New)
- **Type:** Debit, Mastercard
- **Cashback:** SEPA promo only
- **Fee:** $0
- **Region:** EEA
- **KYC:** full
- **Availability:** EEA
- **Last Verified:** 2026-08-07
- **Website:** https://blofin.com
- **Detailed Fees:** Conversion: 0.9%; FX: 0% in EEA, 2% outside
- **Mobile Pay:** Apple Pay, Google Pay
- **Note:** Virtual Euro-denominated Mastercard funded with USDT. Launched April 25, 2025. Currently limited to BloFin VIP users. 0% fee within EEA, 2% outside EEA. No permanent spending cashback — periodic limited promos only. $0 annual fee, $0 monthly fee, 0.9% crypto conversion fee. Standalone BloFin Wallet (non-custodial) launched Nov 2025 with card integration. EEA ID/passport required.
- **Tags:** EEA, Stablecoin, USDT, VIP

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| No Ongoing Cashback | 0% | No permanent cashback. Periodic promos only (e.g. Mar-Apr 2026: 10% on first 3 spends + 3% thereafter for new users, limited to 100 users) |

### UPay Card

- **Provider:** UPay (Dubai)
- **Status:** active
- **Type:** Debit, Visa/Mastercard
- **Cashback:** None
- **Fee:** $0
- **Region:** 168 countries
- **KYC:** full
- **Availability:** 168 countries
- **Last Verified:** 2026-08-02
- **Website:** https://upay.best
- **Detailed Fees:** Conversion: 1-3% reload (varies by tier); FX: 1-3% (varies by tier)
- **Note:** Dubai-based, 500K+ users. Card range now spans up to 9 tiers including Stellar (virtual, 50 USDT issuance, 3% reload, 1% FX cross-border), Platinum (virtual, $10 issuance, 2% reload, 2% FX), Euro (physical, $100 issuance, 2.5% reload, 2% FX, targets Europe), Precious (physical, $100 issuance, 1% reload, 3% FX, HK-issued, 400 HKD annual fee from year 2), plus Sapphire/Privilege/Prestige/Seamless variants. Stellar reloads from 20 USDT (cap 50K USDT, transaction cap 20K). Platinum spending up to 100K USDT. Supports USDT TRC20/ERC20. Sumsub KYC. Excludes Russia, Iran, China, DPRK, sanctioned countries. No cashback; value prop is broad acceptance and low reload fees.
- **Tags:** Global, USDT, No Cashback, Multi-Tier

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| No Cashback | 0% | Card focuses on low fees and broad acceptance |

### Zoomex Card

- **Provider:** Zoomex x UR
- **Status:** active (New)
- **Type:** Debit, Mastercard
- **Cashback:** 0% (promo ended)
- **Fee:** $0
- **Region:** 50+ countries
- **KYC:** full
- **Availability:** 50+ countries
- **Last Verified:** 2026-08-07
- **Website:** https://www.zoomex.com
- **Detailed Fees:** Conversion: 0% markup; FX: 0% markup (Mastercard rate)
- **Mobile Pay:** Apple Pay, Google Pay, Samsung Pay
- **Note:** Virtual Mastercard launched early March 2026 (early registration opened December 2025) in partnership with UR (regulated fintech). Zero issuance fee, zero annual fee, zero fiat withdrawal fees. Multi-currency settlement: USD, EUR, CHF, JPY, SGD, HKD. 1% 'Sunny Cashback' promo ENDED April 30, 2026; no permanent cashback rate announced yet. New users $10 reward for single $5+ purchase within 30 days of activation. UR Pro upgrade automatic for new cardholders (100K CHF/mo limit, better withdrawal fees). Supports Apple Pay, Google Pay, Samsung Pay, LINE Pay, Alipay, WeChat Pay.
- **Tags:** Global, No Fee, Stablecoin

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Standard | 0% | 1% Sunny Cashback promo ENDED April 30, 2026. No permanent cashback rate announced as of May 2026. |

### Zro Bank Card

- **Provider:** Zro Bank
- **Status:** active
- **Type:** Debit, Visa
- **Cashback:** 0.5% BTC
- **Fee:** R$0
- **Region:** Brazil Only
- **KYC:** full
- **Availability:** Brazil
- **Last Verified:** 2026-08-02
- **Website:** https://www.zrobank.com.br
- **Detailed Fees:** Conversion: 0%; FX: 0% (IOF tax separate); ATM: R$6.90 (Banco24Horas); Top-up: 0%
- **Note:** Brazilian neobank (Recife-based, founded 2019) with chatbank model; corporate identity also branded 'Z.ro Bank'. International Visa debit card. 0.5% Bitcoin cashback on debit purchases above R$10. Zero annual fee, zero account fees, zero TED fees. Also supports Pix payments and crypto custody. BaaS via Banco Topázio. Already operating in Argentina, Chile, and Peru (not just targeted) alongside its home Brazil market. Note: Brazil's central bank banned stablecoin/crypto settlement in cross-border payments effective Oct 2026 — affects eFX rails, not domestic card spending.
- **Tags:** Brazil, LATAM, BTC Cashback, No Fee

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Standard | 0.5% | Debit purchases above R$10 |

### Aven Bitcoin Visa Card

- **Provider:** Aven
- **Status:** active (New)
- **Type:** Credit, Visa
- **Cashback:** 2% USD
- **Fee:** $0
- **Region:** US
- **KYC:** full
- **Availability:** US
- **Last Verified:** 2026-08-07
- **Website:** https://www.aven.com/bitcoin-visa-card
- **Note:** Bitcoin-backed credit card unveiled April 27, 2026 at Bitcoin Conference 2026 (Las Vegas). Deposit BTC as collateral (custodied by BitGo Inc. and BitGo Bank & Trust, an OCC-regulated digital asset trust bank). Credit line up to $1M. APR from 7.99% on revolving and fixed-term loan options. Fixed-rate plans up to 10 years; optional 5-year interest-only period. No annual fee, no origination fee. Unlimited 2% cash back (USD, not crypto). Issued by Coastal Community Bank (WA) under Visa license. Spend without triggering a taxable BTC sale.
- **Tags:** US, Credit Card, No Fee, BTC Collateral

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Unlimited | 2% | All purchases; bitcoin-backed credit line |

### Bitbank EPOS CRYPTO Card

- **Provider:** Bitbank × Epos Card
- **Status:** active (New)
- **Type:** Credit, Visa
- **Cashback:** 0.5% BTC/ETH/ASTR
- **Fee:** ¥0
- **Region:** Japan
- **KYC:** full
- **Availability:** Japan
- **Last Verified:** 2026-08-02
- **Website:** https://bitbank.cc/about/epos-crypto-card/
- **Note:** Japan's first crypto-settled credit card, launched April 27, 2026. Partnership between Bitbank (exchange) and Epos Card Co., Ltd. (Marui Group fintech arm). Earns Epos points (1 pt per ¥200) converted monthly to user-selected crypto (BTC, ETH, or ASTR) at 1 pt = ¥1 — effective 0.5% crypto cashback. Card asset selection can change monthly via EPOS Net portal. Card bill settlement available directly from Bitbank exchange BTC balance. No annual fee for life. Bitbank verified account required. 18+. Welcome bonus ~¥2,000 in crypto.
- **Tags:** Japan, Credit Card, No Fee, BTC Cashback

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Standard | 0.5% | All purchases; choose reward in BTC, ETH, or ASTR |

### SBI Visa Crypto Card

- **Provider:** SBI Group × Visa
- **Status:** active (New)
- **Type:** Credit, Visa
- **Cashback:** 0.5-1.3% BTC/ETH/XRP
- **Fee:** ¥0 first year
- **Region:** Japan
- **KYC:** full
- **Availability:** Japan
- **Last Verified:** 2026-08-02
- **Website:** https://www.sbivc.co.jp/cryptocard
- **Detailed Fees:** Conversion: 0% (points to crypto)
- **Note:** Launched May 1, 2026 by SBI Group, APLUS, and Visa. Two tiers: Standard (¥1,650/year, free year one; waived ongoing with ¥100K annual spend) and Gold (¥6,600/year, free year one; ~refunded on ¥2M+ spend). Cardholder selects ONE asset at application (BTC, ETH, or XRP); choice locked for life of card. Aplus points convert to crypto monthly with no exchange fees; SBI VC Trade account required. Gold includes travel insurance, shopping protection, airport lounge (3x/yr). Launch promo (apply May 1-31): Standard up to 2.5% (cap 1,500 pts), Gold up to 10% (cap 5,000 pts) on purchases through Aug 5, 2026.
- **Tags:** Japan, Credit Card, Multi-Tier, XRP

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Standard | 0.5% | All purchases; up to 0.8% with revolving payment |
| Gold | 1% | Gold card; up to 1.3% with revolving payment |

### MEXC Card

- **Provider:** MEXC
- **Status:** active (New)
- **Type:** Debit, Visa/Mastercard
- **Cashback:** 4-10% USDT
- **Fee:** $0
- **Region:** APAC + EU/EEA
- **KYC:** full
- **Availability:** Thailand/Philippines/Vietnam/Taiwan/South Korea/Malaysia/Australia + 29 EU/EEA countries
- **Last Verified:** 2026-07-31
- **Website:** https://www.mexc.com/buy-crypto/mexc-card
- **Detailed Fees:** Conversion: 1% (Visa) / 1% top-up (Mastercard); FX: 1% (Visa APAC) / 2% outside EEA (Mastercard EU); Top-up: 0% (Visa) / 1% (Mastercard); Inactivity: $2/mo after 3 months (Visa)
- **Note:** TWO card products: (1) New MEXC Card (Visa, launched June 25, 2026) for APAC with 4-10% USDT cashback by M-Score tier, 7% APR on 100-100K USDT balance, 1% transaction fee, 0% top-up fee, $2/mo inactivity after 3 months. (2) Legacy EU Mastercard (launched 2025) with 0% cashback, €1/mo fee, 1% top-up fee, 0% EEA / 2% outside. Tiers shown are for the new Visa card. Cashback paid in USDT on the 15th of following month. Co-branded MEXC × ether.fi variant offers 4% cashback separately.
- **Tags:** APAC, EU, Virtual Card, No Annual Fee, USDT, High Rewards

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Standard | 4% | M-Score 350-599, $100/mo cashback cap |
| Premier | 6% | M-Score 600-799, $300/mo cashback cap |
| Elite | 10% | M-Score 800+, $800/mo cashback cap |

### Pera Card

- **Provider:** Pera Wallet (Algorand)
- **Status:** active (New)
- **Type:** Debit, Mastercard
- **Cashback:** 2% USDC
- **Fee:** $0
- **Region:** UK/EU/NZ
- **KYC:** full
- **Availability:** UK, Germany, Italy, Spain, New Zealand, Netherlands, Poland, Portugal
- **Last Verified:** 2026-07-31
- **Website:** https://perawallet.app/pera-card/
- **Detailed Fees:** Conversion: ~0.001 ALGO network fee
- **Note:** Non-custodial Mastercard debit card on Algorand, launched May 2025 via Immersve. Spend USDC (USDCa) from your Pera Wallet at any Mastercard merchant via Apple Pay/Google Pay. Funds deposited to a dedicated on-chain card address (not centralized custody); withdraw instantly via Immersve or permissionlessly after a 7-day delay. Real-time on-chain settlement leveraging Algorand instant finality. Minimal Algorand network fees (~0.001 ALGO per tx). No annual or signup fees. 2% cashback paid in USDC to spending wallet. Expanded to Netherlands, Poland, and Portugal in 2026.
- **Tags:** Non-Custodial, Mastercard, Stablecoin, No Fee, Algorand

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Standard | 2% | 2% cashback in USDC on eligible purchases |

### MoonAgents Card

- **Provider:** MoonPay
- **Status:** active (New)
- **Type:** Debit, Mastercard
- **Cashback:** 0%
- **Fee:** $0
- **Region:** UK/LATAM
- **KYC:** full
- **Availability:** UK, LATAM (US/EU planned)
- **Last Verified:** 2026-07-31
- **Website:** https://www.moonpay.com/agents/card
- **Detailed Fees:** Conversion: 0% onramp; Top-up: 0%
- **Funding:** Assets: USDC; Chains: Solana
- **Note:** Virtual Mastercard debit card for AI agent and human spending, launched May 1, 2026 via MoonPay CLI in the UK and Latin America. Issued via Monavate (regulated principal member of Visa, Mastercard, Discover); Baanx provides the BaaS layer. Spend USDC on Solana at any Mastercard merchant. User authorizes a smart contract to access stablecoin balance at the moment of transaction; wallet custody is never transferred and approvals are revocable. Exodus wallet is the launch wallet partner. KYC required. US and EU availability planned. First consumer card designed for autonomous AI-agent payments.
- **Tags:** UK, LATAM, Virtual Card, Stablecoin, AI, Agentic

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Standard | 0% | No cashback; value prop is zero-fee stablecoin spending for users and AI agents |

### Foxbit Card

- **Provider:** Foxbit
- **Status:** active (New)
- **Type:** Debit, Mastercard
- **Cashback:** 0.5-1% crypto
- **Fee:** R$0
- **Region:** Brazil
- **KYC:** full
- **Availability:** Brazil
- **Last Verified:** 2026-08-02
- **Website:** https://foxbit.com.br
- **Note:** Brazil's first national crypto card available in major digital wallets (Apple Pay, Google Pay). Supports BTC, ETH, USDT, XRP, ADA for spending. No annual or issuance fee. Cashback in crypto on crypto-funded purchases only (BRL purchases not eligible). Powered by Pomelo. Accepted at 100M+ Mastercard merchants worldwide. Includes Mastercard Surpreenda program benefits.
- **Tags:** Brazil, LATAM, No Fee, Mastercard

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Standard | 0.5% | R$1,000-R$2,999/mo in crypto-funded purchases |
| Premium | 1% | R$3,000+/mo in crypto-funded purchases |

### Bipa Card

- **Provider:** Bipa
- **Status:** active (New)
- **Type:** Credit, Mastercard
- **Cashback:** 0.5-1% BTC
- **Fee:** $0
- **Region:** Brazil
- **KYC:** full
- **Availability:** Brazil
- **Last Verified:** 2026-07-31
- **Website:** https://bipa.app
- **Note:** Collateral-based Mastercard credit card: BTC at 50% LTV, USDT at 80% LTV, BRL at 100% LTV. 300K+ users. Satsback® cashback pays Bitcoin on every purchase (0.5% standard, 1% with Turbo). Bipa Turbo subscription (R$50/mo) doubles cashback and raises max credit limit to R$160,000. Cofrinho Bitcoin feature auto-converts 100% CDI yield into BTC. No annual fee; fees apply only to specific operations. Launched in partnership with Mastercard. Bipa's own pages quote different headline rates (up to 5% on bipa.app/cartao-bitcoin-cashback, up to 2% on produtos.bipa.app/cartao-bitcoin); both are blended marketing figures combining purchase Satsback (0.5%/1%) with a separate BRL-collateral CDI yield paid in BTC, not purchase-cashback tiers. The rates listed here follow Bipa's support articles.
- **Tags:** Brazil, LATAM, Bitcoin Cashback, Credit Card, Collateral-Based

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Standard | 0.5% | All purchases (Satsback® Bitcoin cashback) |
| Turbo | 1% | Bipa Turbo subscription (R$50/mo) |

### Binance Card (LATAM/Africa)

- **Provider:** Binance
- **Status:** active (New)
- **Type:** Debit, Mastercard
- **Cashback:** 0.1-8% BNB
- **Fee:** $0
- **Region:** Brazil/Peru/Colombia/South Africa/Mexico
- **KYC:** full
- **Availability:** Brazil, Peru, Colombia, South Africa, Mexico
- **Last Verified:** 2026-07-31
- **Website:** https://www.binance.com
- **Detailed Fees:** Conversion: 0.9%; FX: 1-2%; ATM: 2 free/mo, then $1.50
- **Mobile Pay:** Apple Pay, Google Pay
- **Note:** Relaunched Oct 2025 as Brazil-only Mastercard, expanded to Peru, Colombia, South Africa by early 2026, Mexico in 2026. Completely different product from the discontinued EU Binance Visa Card (separate entry). TWO DIFFERENT TIER SYSTEMS: Brazil uses spend-to-unlock tiers (0.5-2% based on monthly spend, capped at 120 BRL/mo). Colombia, Peru, South Africa, Mexico use 7-level BNB-holding model (0.1-8% based on BNB balance, capped at $20 USD/mo for Mexico). 0.9% crypto conversion fee, 1-2% FX on foreign transactions. Supports 10+ assets: USDT, USDC, FDUSD, BNB, BTC, ETH, SOL, ADA, LINK, XRP. Spend from Flexible Earn while accruing yield. Apple Pay and Google Pay.
- **Tags:** LATAM, Africa, Mastercard, No Fee, Stablecoin

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Brazil Tier 1 | 0.5% | <500 BRL monthly spend (Brazil only) |
| Brazil Tier 2 | 1% | 500-2,500 BRL monthly spend (Brazil only) |
| Brazil Tier 3 | 1.5% | 2,500-5,000 BRL monthly spend (Brazil only) |
| Brazil Tier 4 | 2% | >5,000 BRL monthly spend (Brazil only) |
| BNB Level 1 | 0.1% | 0 BNB held (Colombia/Peru/South Africa) |
| BNB Level 2 | 2% | 1 BNB held (Colombia/Peru/South Africa) |
| BNB Level 3 | 3% | 10 BNB held (Colombia/Peru/South Africa) |
| BNB Level 4 | 4% | 40 BNB held (Colombia/Peru/South Africa) |
| BNB Level 5 | 5% | 100 BNB held (Colombia/Peru/South Africa) |
| BNB Level 6 | 6% | 250 BNB held (Colombia/Peru/South Africa) |
| BNB Level 7 | 8% | 600 BNB held (Colombia/Peru/South Africa) |

### Wallib Card

- **Provider:** Wallib
- **Status:** active
- **Type:** Debit, Visa
- **Cashback:** 0.2-1% BTC
- **Fee:** $0-~$5/mo
- **Region:** Colombia
- **KYC:** full
- **Availability:** Colombia (Peru expansion planned)
- **Last Verified:** 2026-08-02
- **Website:** https://www.wallib.com
- **Note:** Colombian startup offering Visa debit card for spending Bitcoin, USD, and Colombian pesos. Tiered cashback: Free plan 1% first month then 0.2% ongoing, Wallib Plus (COP 20,000/mo) 2% first month then 1% ongoing. Launched May 2024. Min deposit COP 20,000 to request card. Virtual and physical card options. Expansion to Peru planned.
- **Tags:** Colombia, LATAM, BTC Cashback, Visa

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Free (ongoing) | 0.2% | Free plan, 0.2% BTC after first month (1% first month promo) |
| Wallib Plus (ongoing) | 1% | COP 20,000/mo (~$5), 1% BTC after first month (2% first month promo) |

### Binance Japan Card

- **Provider:** Binance Japan
- **Status:** active (New)
- **Type:** Credit, JCB
- **Cashback:** 1.6% BNB
- **Fee:** ¥0 first year (¥1,650 after)
- **Region:** Japan
- **KYC:** full
- **Availability:** Japan
- **Last Verified:** 2026-08-02
- **Website:** https://www.binance.com/ja
- **Detailed Fees:** Conversion: 0%; FX: 3.85% overseas (JCB 1.6% + Lifecard 2.25%)
- **Note:** JCB credit card issued via Lifecard partnership, launched January 2026. 1.6% BNB reward rate (highest crypto rewards among Japanese domestic credit cards per Binance internal data). Annual fee free first year, ¥1,650 thereafter (waived if annual spend exceeds ¥100,000). BNB credited to user's Binance funding wallet by end of following month. Excludes: annual fees, cash advances, revolving payment fees, ETC tolls. FSA-registered exchange operator. JCB network limits international acceptance compared to Visa/Mastercard.
- **Tags:** Japan, Asia, Credit Card, JCB, BNB

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Standard | 1.6% | All eligible purchases. BNB credited to Binance funding wallet by end of following month. |

### Kredete Card

- **Provider:** Kredete
- **Status:** active (New)
- **Type:** Credit, Visa
- **Cashback:** 0%
- **Fee:** $0
- **Region:** Africa (50+ countries)
- **KYC:** full
- **Availability:** 50+ African countries (GCC expansion planned)
- **Last Verified:** 2026-07-31
- **Website:** https://www.kredete.io
- **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).
- **Tags:** Africa, Credit Card, Stablecoin, USDC, Visa, Cross-Border

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Standard | 0% | No cashback announced; value prop is low-cost cross-border stablecoin payments |

### SPENDL Money Card

- **Provider:** SPENDL Money (Cardware)
- **Status:** active (New)
- **Type:** Debit, Mastercard
- **Cashback:** 0%
- **Fee:** R99 account fee
- **Region:** South Africa
- **KYC:** full
- **Availability:** South Africa
- **Last Verified:** 2026-08-02
- **Website:** https://spendl.money
- **Note:** South African FSCA-licensed crypto-to-fiat debit card (launched Oct 30, 2025). Supports 12 cryptocurrencies (BTC, ETH, etc.) deposited from hardware/software wallets or exchanges, converted to ZAR same-day. Tiered account plans: R25,000 to R500,000 top-up limits. Worldwide Mastercard acceptance (40,000+ merchants). Free nationwide card delivery in South Africa. R99 account opening fee. Bank-level security via regulated bank partner. No cashback — primary value prop is legal, transparent crypto-to-fiat conversion in South Africa.
- **Tags:** South Africa, Africa, Mastercard, Crypto-to-Fiat

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Standard | 0% | No cashback; value prop is compliant crypto-to-ZAR spending |

### Wenia Card

- **Provider:** Wenia (Grupo Cibest / Bancolombia)
- **Status:** active (New)
- **Type:** Debit, Mastercard
- **Cashback:** 0%
- **Fee:** $0
- **Region:** Colombia
- **KYC:** full
- **Availability:** Colombia
- **Last Verified:** 2026-08-02
- **Website:** https://www.wenia.com/es
- **Note:** Colombia's first bank-backed crypto card, issued by Grupo Bancolombia subsidiary. 0% commission on COPW and USDC payments; 0.1% + IVA conversion fee for other crypto (BTC, ETH, SOL, POL). No issuance or account management fees. Dynamic CVV for security. 6% effective annual yield on savings balance. Requires Wenia app (available on iOS/Android). Physical card not available — digital only. April 2026: launched USDW stablecoin (replacing USDC, 1:1 USD peg, reserves held in El Salvador). 64% avg monthly growth in transactional volume since launch.
- **Tags:** Colombia, LATAM, No Fee, Mastercard, Stablecoin

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Standard | 0% | No purchase cashback; value prop is zero-fee stablecoin spending via COPW/USDC |

### Ikigii Card

- **Provider:** Ikigii
- **Status:** active (New)
- **Type:** Debit, Visa
- **Cashback:** 0%
- **Fee:** $26.75/yr
- **Region:** LATAM (13+ countries)
- **KYC:** full
- **Availability:** Panama, Bolivia, Costa Rica, Guatemala, Honduras, Colombia, Argentina, Mexico, Peru, Brazil, Dominican Republic, El Salvador, Uruguay
- **Last Verified:** 2026-08-02
- **Website:** https://www.ikigii.com/en
- **Note:** Expanded from 5 Central American countries to 13+ LATAM markets (2026). USD-denominated account with 4% annual interest on savings. Supports BTC, ETH, USDC, USDT — buy, sell, send, and spend via Visa. $26.75/yr annual card fee + $3/mo fraud insurance (+ 7% tax). $100 USD minimum initial deposit required. Free card shipping. ATM withdrawals at any global ATM.
- **Tags:** LATAM, Central America, Visa, USD Account

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Standard | 0% | No cashback; value prop is crypto-to-USD spending in underserved Central American markets |

### HashKey Credit Card

- **Provider:** HashKey Exchange × Shanghai Commercial Bank
- **Status:** active (New)
- **Type:** Credit, Visa
- **Cashback:** 2-4% HKD vouchers
- **Fee:** TBD
- **Region:** Hong Kong
- **KYC:** full
- **Availability:** Hong Kong
- **Last Verified:** 2026-08-02
- **Website:** https://www.hashkey.com
- **Note:** One of Asia's first co-branded cards between a licensed crypto exchange and a traditional bank. Registration opened May 11, 2026 (announced at HK Web3 Carnival). 2% crypto rebate on local purchases, 4% on overseas, cashback capped at HK$300/month. Rewards in HashKey HKD Cash Vouchers (valid 3 years, redeemable for spot trading or credited as HKD). Can settle bills with crypto on HashKey Exchange or fiat. Issued by Shanghai Commercial Bank (HKMA-regulated). No deposit/collateral required, fiat-settled. Exclusively for eligible HashKey Exchange clients. Now live as the 'HashKey Visa Signature Credit Card' with a welcome bonus (HK$1,200 vouchers or HK$1,000 statement credit, HK$12,000 min spend in 2 months; promo runs to Apr 30, 2027). Annual fee remains TBD/undisclosed.
- **Tags:** Hong Kong, Asia, Credit Card, Visa, SFC Licensed

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Local (HK) | 2% | 2% crypto rebate on local HK purchases (HashKey HKD Cash Vouchers); capped at HK$300/mo |
| Overseas | 4% | 4% crypto rebate on overseas purchases (HashKey HKD Cash Vouchers); capped at HK$300/mo |

### Fasset Card

- **Provider:** Fasset
- **Status:** active (New)
- **Type:** Debit, Visa
- **Cashback:** 2-6% XAU₮
- **Fee:** $0 (Classic)
- **Region:** 125+ countries (UAE/SEA/South Asia focus)
- **KYC:** full
- **Availability:** UAE, Indonesia, Turkey, Pakistan, Malaysia, Bangladesh, Sri Lanka, Nepal, Cambodia, Thailand, Vietnam, Philippines + more
- **Last Verified:** 2026-07-31
- **Website:** https://www.fasset.com
- **Note:** World's first gold-backed stablecoin neobanking card, launched April 2026 in partnership with Tether. Cashback paid in Tether Gold (XAU₮): Classic 2% (free, up to $50K/mo spend), Gold 4% ($50K+/mo), Black 6% ($100K+/mo, physical gold redemption at ATMs in Dubai/Istanbul/Jakarta). Onboarding still runs through a priority list (connect wallet to join) as of Jul 2026, so availability is a controlled rollout rather than fully open. Auto round-up feature invests spare change in XAU₮. Tether committed $1M in XAU₮ to power rewards. Shariah-compliant (zero-interest banking products). Covers many underserved markets (South Asia, SEA, MENA). ATM/FX/issuance fees not yet officially disclosed
- **Tags:** MENA, Asia, Visa, Gold Rewards, Islamic Finance, Stablecoin

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Classic | 2% | Free tier; 2% XAU₮ cashback on every purchase, up to $50K/mo spend |
| Gold | 4% | $50,000+ average monthly spend over a rolling 30-day period; adds auto round-up to gold and priority OTC access |
| Black | 6% | $100,000+ average monthly spend over a rolling 30-day period; adds physical gold redemption at ATMs (Dubai, Istanbul, Jakarta) and dedicated relationship manager |

**Recent changes**

- 2026-07-23: Tier structure recorded per official site: Classic 2% (free), Gold 4% ($50K+/mo spend), Black 6% ($100K+/mo spend); Classic annual fee confirmed free; onboarding remains priority-list only

### Lemon Card Crédito

- **Provider:** Lemon Cash
- **Status:** active (New)
- **Type:** Credit, Visa
- **Cashback:** 0%
- **Fee:** ~$5.90/mo
- **Region:** Argentina
- **KYC:** standard
- **Availability:** Argentina
- **Last Verified:** 2026-08-02
- **Website:** https://lemon.me
- **Note:** Argentina's first Bitcoin-backed credit card (launched Jan 14, 2026). Deposit 0.01 BTC (~$900) as collateral to receive up to ~1,000,000 ARS credit line. USDT/USDC/DAI/ETH collateral also supported. No traditional credit history required. Monthly fee 7,500 ARS (~$5.90), waived first 3 months via Rootstock sponsorship, waivable with $150+/mo crypto purchases on Lemon. Settled in ARS. Powered by Rootstock (Bitcoin L2). Separate product from Lemon's prepaid debit card.
- **Tags:** Argentina, Credit Card, BTC Collateral

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Standard | 0% | No cashback; value prop is BTC-collateralized credit line without selling crypto |

### LuqasCard

- **Provider:** Luqas × Crixto
- **Status:** active (New)
- **Type:** Debit, Mastercard
- **Cashback:** 0%
- **Fee:** $0
- **Region:** Venezuela
- **KYC:** full
- **Availability:** Venezuela
- **Last Verified:** 2026-07-31
- **Website:** https://www.crixto.com
- **Note:** Venezuela's first USDT-funded Mastercard Gold debit card, issued by 100% Banco. Converts USDT to VES (bolívares) at Crixto exchange rate with spread. Supports NFC contactless payments. Fund via Tron (TRC-20) or Ethereum (ERC-20). ~$5.90 USDT issuance fee. Still in closed beta/limited rollout (launched Jan 2026). Crixto license renewed Jan 2026, valid through Dec 2026. Domestic POS payments only (no international spending confirmed yet).
- **Tags:** Venezuela, USDT, Stablecoin

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Standard | 0% | No cashback program |

### BYDFi Card

- **Provider:** BYDFi
- **Status:** active (New)
- **Type:** Debit, Visa
- **Cashback:** 0%
- **Fee:** $12/yr
- **Region:** Global (excl. US/China/Russia)
- **KYC:** full
- **Availability:** Global (excludes US, China, Russia, India, Indonesia, Turkey, Vietnam, OFAC countries)
- **Last Verified:** 2026-07-31
- **Website:** https://www.bydfi.com
- **Detailed Fees:** Conversion: 1%; FX: 0% USD / 1% non-USD; Top-up: 1%
- **Mobile Pay:** Google Pay
- **Note:** Virtual Visa debit card launched Aug 2025. Top up with USDT, USDC, BTC, ETH, XRP, BNB. 1% crypto conversion fee on deposits, 0% on withdrawals. 0% FX on USD transactions, 1% on non-USD. $1/month fee waived for VIP 2+ users. Spending limits: $5K/txn (adjustable to $10K), $50K/month. Supports Google Pay, PayPal, 3D Secure. No physical card or ATM withdrawal.
- **Tags:** Exchange Card, Virtual, Visa, Low Fee

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Standard | 0% | No cashback program; value prop is low-fee crypto spending |

### BenPay Card

- **Provider:** BenPay (BenFen)
- **Status:** active (New)
- **Type:** Debit, Visa
- **Cashback:** 0%
- **Fee:** $0
- **Region:** Global (200+ countries)
- **KYC:** full
- **Availability:** Global (200+ countries, excludes OFAC-sanctioned nations)
- **Last Verified:** 2026-07-31
- **Website:** https://www.benpay.com
- **Detailed Fees:** Conversion: 0%; FX: 0%; Top-up: 0%
- **Mobile Pay:** Apple Pay, Google Pay
- **Note:** Self-custodial Web3 payment card — keys stay in BenPay Wallet, top-ups require on-chain authorization. Three tiers: Alpha (Apple/Google Pay, $200K limit), Sigma (Alipay/WeChat Pay, no limit), Delta (Apple/Google/Alipay). All tiers: $0 annual/monthly fee, 0% top-up fee, 0% FX. Multi-chain deposits: BenFen, ETH, BSC, Polygon, Optimism, Arbitrum, Avalanche, Base, Solana, Tron. Integrated DeFi Earn for on-chain yield. Card network assumed Visa based on Apple Pay/Google Pay global support — not officially confirmed by issuer.
- **Tags:** Self-Custody, Non-Custodial, No Fee, Multi-Chain, DeFi

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Standard | 0% | No cashback; value prop is self-custody + DeFi yield integration + zero fees |

### Littio Card

- **Provider:** Littio
- **Status:** active (New)
- **Type:** Debit, Mastercard
- **Cashback:** 0% (yield not cashback)
- **Fee:** $0
- **Region:** Colombia
- **KYC:** full
- **Availability:** Colombia
- **Last Verified:** 2026-08-02
- **Website:** https://littio.co
- **Detailed Fees:** Conversion: 0%; FX: 2% non-USD/EUR/COP; ATM: ~6,180 COP/txn domestic (~$1.50); Top-up: $3 physical card shipping ($20 min top-up); digital free
- **Mobile Pay:** Apple Pay, Google Pay
- **Note:** Colombia's first USDC-backed Mastercard (Pomelo partnership). No management or monthly fees; digital card is free, physical card has a $3 shipping fee ($3 replacement fee). Spend in USD/EUR/COP at 1:1 rate; 2% FX on other currencies. Yield on savings (up to 10% APR USDC, 6% EURC) via OpenTrade integration — not traditional purchase cashback. Mastercard partner cashback on streaming, music, and mobility platforms (specific rates undisclosed). Virtual + physical card. Supports USDC, EURC, COPM, MXNT stablecoins.
- **Tags:** Colombia, LATAM, Stablecoin, USDC, No Fee, Mastercard, Yield (NOT cashback)

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| No Purchase Cashback | 0% | No standard purchase cashback. Up to 10% APR on USDC / 6% on EURC is yield on savings deposits (OpenTrade integration), NOT purchase cashback. Mastercard partner cashback on streaming/music/mobility at undisclosed rates. |

### GoMining Card

- **Provider:** GoMining
- **Status:** active (New)
- **Type:** Debit, Visa
- **Cashback:** 1-4% TH/s
- **Fee:** $0
- **Region:** 130+ countries (excl. sanctioned)
- **KYC:** full
- **Availability:** 130+ countries (excludes OFAC-sanctioned nations, Turkey, Venezuela, Myanmar)
- **Last Verified:** 2026-07-31
- **Website:** https://gomining.com
- **Note:** Crypto debit card linked to GoMining wallet balance. Cashback paid in TH/s (terahash — Bitcoin mining power), not fiat or crypto. VIP level determines cashback rate and is set by whichever is higher, mining power in TH/s or veGOMINING votes; GoMining publishes breakpoints only up to Silver III (Bronze I 0, Bronze II 5 TH/50 votes, Silver I 10/100, Silver II 25/250, Silver III 50/500) and lists Diamond I and Legend I as coming soon. Platinum+ subscription ($29.99/mo) unlocks Platinum I tier instantly. GoMining folded its referral programme into VIP progression in 2026, so referred users' miner purchases, card spend, and Simple Earn activity also count toward rank. Supports BTC, USDT, USDC. Auto-converts to fiat (EUR/USD) at point of sale. Apple Pay and Google Pay supported. Free gift miner on card issuance. Available across LATAM, Africa, SEA, MENA, East Asia — covers many underserved markets. Excluded passport countries: Turkey, Venezuela, Lebanon, Iraq, Libya + sanctioned nations.
- **Tags:** Global, Bitcoin Mining, Visa, No Fee

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Bronze | 1% | Bronze I VIP level: 0 TH/s mining power and 0 veGOMINING votes (entry level) |
| Silver | 1.6% | Silver I VIP level: 10 TH/s mining power or 100 veGOMINING votes, whichever is higher |
| Gold | 2.2% | Gold VIP level (TH/s and veGOMINING breakpoints above Silver III are not publicly disclosed) |
| Platinum | 2.8% | Platinum VIP level, or $29.99/mo Platinum+ subscription for instant Platinum I (breakpoints not publicly disclosed) |
| Diamond | 3.4% | Diamond VIP level (breakpoints not publicly disclosed; Diamond I listed as coming soon) |
| Legend | 4% | Legend VIP level (breakpoints not publicly disclosed; Legend I listed as coming soon) |

### Satoshi Tango Card

- **Provider:** Satoshi Tango
- **Status:** active (New)
- **Type:** Debit, Visa
- **Cashback:** 2-9% XAUT
- **Fee:** $0
- **Region:** Argentina
- **KYC:** full
- **Availability:** Argentina
- **Last Verified:** 2026-08-07
- **Website:** https://www.satoshitango.com
- **Note:** Argentina's first crypto exchange (founded 2013, CNV-regulated) Visa card, powered by Pomelo. No issuance, activation, or maintenance fees. Supports 17 cryptocurrencies for payment. Cashback paid in XAUT (Tether Gold) — up to 9% when paying with USDT (promotional, $20/week cap). Also offers 10-50% merchant discounts at affiliated stores. Physical and virtual card available. Can set up automatic debits and subscribe to streaming services.
- **Tags:** Argentina, No Fee, XAUT Rewards

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Standard Crypto | 2% | Pay with any of 17 supported cryptocurrencies |
| USDT Promo | 9% | Pay with USDT; cashback in XAUT (Tether Gold); $20/week cap |

### Tevau Card

- **Provider:** Tevau
- **Status:** active (New)
- **Type:** Debit, Visa
- **Cashback:** Points (Lucky Box)
- **Fee:** $0
- **Region:** Asia-Pacific/MENA
- **KYC:** full
- **Availability:** Asia-Pacific (SEA/East Asia/MENA), Europe
- **Last Verified:** 2026-07-31
- **Website:** https://tevau.io
- **Detailed Fees:** Conversion: ~1% top-up fee; FX: 1.2%; ATM: 2%; Top-up: ~1%
- **Note:** USDT-based Visa debit card targeting Asia-Pacific markets (Malaysia, Vietnam, Philippines, South Korea, Japan, Taiwan, Hong Kong, Middle East). Zero spending fees — only ~1% top-up fee. Virtual card $20, physical card $100. 4.49% earn rate on USDT balance. Rewards via Lucky Box points system (not traditional cashback). FX fee: 1.2% Visa. KYC via ID + selfie in-app. Issues reported in Bangladesh and Thailand. Also available in Europe/MENA.
- **Tags:** Asia, USDT, No Spending Fee

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Lucky Box | 0% | One Lucky Box per qualifying non-USD transaction of $1 or more; box contains a random point award, 1,000 points = $1 of card balance |

### Lava Card

- **Provider:** Lava
- **Status:** active (New)
- **Type:** Credit, Visa
- **Cashback:** 1-5% BTC
- **Fee:** $0
- **Region:** Global (US focus)
- **KYC:** full
- **Availability:** Global (US-based, accepted in 150+ countries)
- **Last Verified:** 2026-07-31
- **Website:** https://www.lava.xyz/card
- **Note:** Secured Visa credit card from Bitcoin lending platform Lava (raised $200M in 2025). Spend from USD balance funded via bank transfer, direct deposit, or USDC. BTC holders can also fund via Lava's Bitcoin Line of Credit (borrow against BTC without selling). No annual fee, no FX fee, no minimum spend. Cashback paid in Bitcoin. Launched at Bitcoin 2026 conference.
- **Tags:** No Fee, Bitcoin Rewards, Secured Credit, Self-Custody

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| International | 1% | All purchases outside the US |
| US Standard | 3% | All purchases for US-based cardholders |
| Partner Merchants | 5% | Purchases at Lava's Bitcoin-aligned merchant network (Amazon, Apple, Netflix at launch) |

### Young Platform Card

- **Provider:** Young Platform
- **Status:** active (New)
- **Type:** Debit, Visa
- **Cashback:** 0.1-3.6% YNG
- **Fee:** $0
- **Region:** EU
- **KYC:** full
- **Availability:** EU (Italy-based, expanding to other EU markets)
- **Last Verified:** 2026-08-07
- **Website:** https://youngplatform.com
- **Limits:** Daily spend: EUR 5,000; Monthly spend: EUR 5,000; Daily ATM: EUR 250 (EUR 1,000/mo)
- **Issuing bank:** TPPay S.p.A.
- **Fiat custody:** Euro balances on the Young payment account are deposited by TPPay with unnamed leading Italian credit institutions; the account is not a bank current account.
- **Licence:** EMI (IMEL, register no. 27) (Banca d'Italia, Italy) (register: https://www.bancaditalia.it/compiti/vigilanza/albi-elenchi/)
- **Personal IBAN:** Yes
- **Receives third-party transfers:** Yes
- **Sends third-party transfers:** Yes
- **Transfer limits:** Incoming SEPA: no limit; outgoing SEPA: EUR 10,000 per transaction
- **Banking note:** The IBAN lives on the Conto Young payment account (issued by TPPay) that the card debits. Italy-resident adults with an Italian tax code only. TPPay's documents currently show both S.r.l. and S.p.A. legal forms (same registration 12511320967); the newer information sheets say S.p.A.
- **Note:** First crypto debit card designed within the EU's MiCA framework. Cashback paid in YNG utility token. Free issuance, no monthly fee for EUR purchases. ATM withdrawal €0.99 (min €20). Spends crypto balance with automatic conversion to EUR at market rate. Part of Young Platform's crypto-native neobank. Club tier requires locking YNG tokens for minimum 90 days. Club rates are 0.1% Essential, 0.3% Bronze, 0.9% Silver, 1.8% Gold, 3.6% Platinum. Since February 4, 2025 the YNG amount required for each Club is repriced monthly so the EUR-equivalent cost stays stable: if YNG falls the token count rises proportionally, if YNG rises it falls (dampened by a discount factor). Members who joined before that date keep their original terms unless they cancel and rejoin. Published token counts have ranged from about 1,500 to 1,865 YNG (Bronze) up to about 25,000 to 31,088 YNG (Platinum) depending on when they were quoted, so treat any fixed figure as a snapshot and check the app. 'MiCA-compliant' is the provider's marketing claim — formal CASP authorization was still pending with CONSOB/Banca d'Italia as of mid-2026.
- **Tags:** EU, MiCA Compliant, No Fee, Staking Required

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Essential | 0.1% | No YNG tokens locked (free tier) |
| Bronze | 0.3% | Lock roughly 1,500-1,900 YNG for 90+ days (Bronze Club); amount is repriced monthly against YNG's market value to hold the EUR cost steady |
| Silver | 0.9% | Lock roughly 6,200 YNG for 90+ days (Silver Club); amount repriced monthly against YNG's market value |
| Gold | 1.8% | Lock roughly 12,400 YNG for 90+ days (Gold Club); amount repriced monthly against YNG's market value |
| Platinum | 3.6% | Lock roughly 25,000-31,000 YNG for 90+ days (Platinum Club); amount repriced monthly against YNG's market value |

### Blockchain.com Card

- **Provider:** Blockchain.com
- **Status:** active
- **Type:** Debit, Visa
- **Cashback:** 1% Crypto
- **Fee:** $0
- **Region:** US
- **KYC:** full
- **Availability:** US
- **Last Verified:** 2026-07-31
- **Website:** https://www.blockchain.com
- **Note:** Visa debit card from one of the oldest crypto wallet providers. 1% crypto cashback on all purchases, no annual/signup fees. Uses Just-in-Time Funding to convert crypto to USD at point of sale. Available in physical and virtual formats. Virtual card activates immediately after approval.
- **Tags:** US, No Fee, Simple Rewards

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Standard | 1% | All eligible purchases (no staking or tiers) |

### dtcpay Digital Treasures Card

- **Provider:** dtcpay
- **Status:** active (New)
- **Type:** Debit, Visa
- **Cashback:** 0%
- **Fee:** $0
- **Region:** Singapore (Global acceptance)
- **KYC:** full
- **Availability:** Singapore (global Visa acceptance at 150M+ locations)
- **Last Verified:** 2026-07-31
- **Website:** https://dtcpay.com/dtcpay-card
- **Note:** Visa Infinite card from MAS-licensed Singapore payment provider dtcpay. Real-time stablecoin-to-fiat conversion via dtcpay Wallet app. No registration fee, no annual fee, no FX markup. Multi-currency support for international spending/ATM withdrawals. Targeted at UHNW individuals. Series A ($26.5M) from Vertex Ventures in Mar 2026. Includes access to luxury/exclusive Visa Infinite services.
- **Tags:** Singapore, No Fee, Stablecoin, Premium

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Standard | 0% | No cashback program; value proposition is fee-free stablecoin spending |

### UTORG Card

- **Provider:** Utrg UAB
- **Status:** active
- **Type:** Debit, Visa
- **Cashback:** 0%
- **Fee:** €0
- **Region:** EEA/Ukraine
- **KYC:** optional
- **Availability:** EEA/Ukraine
- **Last Verified:** 2026-07-31
- **Website:** https://utorg.pro
- **Detailed Fees:** Conversion: ~1%
- **Note:** Services suspended Jan 1-Jun 30, 2026 pending MiCA authorization; full MiCA license granted effective July 1, 2026 — card operational across all 29 EEA states. FinTelegram flagged role as payment facilitator for offshore casinos. Migration to Poland via Chain Valley Sp. z o.o. reported. Previously: Tiered KYC (levels 0-3), EEA + Ukraine. Wirex BaaS partnership announced April 2026.
- **Tags:** EEA, Ukraine, Privacy Focus, Tiered KYC, No Cashback

**Cashback Tiers**

No tier data available.

### MiniPay Card

- **Provider:** MiniPay (Opera)
- **Status:** active (New)
- **Type:** Debit, Visa
- **Cashback:** Cashback in USDT/USDC/XAUt
- **Fee:** $0
- **Region:** Africa/EEA/LATAM/SEA (46 countries)
- **KYC:** full
- **Availability:** 46 countries (Africa, EEA, LATAM, SEA)
- **Last Verified:** 2026-07-31
- **Website:** https://minipay.to
- **Mobile Pay:** Apple Pay, Google Pay
- **Note:** Launched June 23, 2026 by Opera's MiniPay stablecoin wallet (16M+ activated wallets). Powered by Gnosis Pay on Celo blockchain. Virtual Visa debit card with no monthly/annual fee; low FX fee. Supports USDT, USDC, USDm stablecoins. Apple Pay and Google Pay compatible. Strong adoption in Nigeria and Kenya via integrations with OPay and M-Pesa. Cashback offered in selected markets in XAUt (Tether Gold), USDT, USDC — exact rate not yet published.
- **Tags:** Africa, Self-Custodial, No Fee, Celo, Gnosis Pay

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Standard | 0% | Cashback available in selected markets in XAUt, USDT, USDC; exact rate not yet published |

### BingX Card

- **Provider:** BingX
- **Status:** active (New)
- **Type:** Debit, Visa
- **Cashback:** Up to 6%
- **Fee:** $0
- **Region:** Global (excl. US/UK/CA/SG/HK/CN/TH)
- **KYC:** full
- **Availability:** 200+ countries (excl. US/UK/CA/SG/HK/CN/TH + sanctioned)
- **Last Verified:** 2026-08-07
- **Website:** https://bingx.com
- **Mobile Pay:** Apple Pay, Google Pay
- **Note:** Launched July 10, 2026. Issued by Wirex on Visa network. No issuance or annual fees. BingX Metal Card users get fee-free ATM withdrawals up to $200/month. Apple Pay and Google Pay supported. Visa/Mastercard payments additionally restricted in: Nigeria, Ghana, Morocco, Pakistan, Bangladesh, Cambodia, Ecuador, Bolivia, Venezuela, and other sanctioned countries. $5 bonus after first $20 spend. Primary markets: LATAM, APAC (excl. SG/TH), MENA, East Africa.
- **Tags:** No Fee, LATAM, APAC, MENA, Africa

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Standard | 6% | Up to 6% cashback on purchases; higher benefits for BingX VIP users |

### DPT Card

- **Provider:** DPT Pay
- **Status:** active
- **Type:** Debit, Visa
- **Cashback:** 0%
- **Fee:** $0-$10,000/yr
- **Region:** Global (excl. US citizens + 17 countries)
- **KYC:** full
- **Availability:** Global (excl. US citizens; card issuance blocked in 17 countries)
- **Last Verified:** 2026-08-02
- **Website:** https://dpt.xyz
- **Detailed Fees:** Conversion: $0 (USDC/USDT to USD balance); FX: 0-2%; ATM: 2% + 0-1.75% FX surcharge (ATM operator fees may apply); Top-up: $0 (crypto deposits)
- **Mobile Pay:** Apple Pay, Google Pay
- **Limits:** Daily spend: Unlimited by default (user can set own caps); Daily ATM: $750 (max $250 per withdrawal, 3 withdrawals/day)
- **Funding:** Assets: USDC, USDT; Chains: Ethereum, Polygon, Tron, Solana, Base, BNB Chain; Methods: On-chain stablecoin deposit, In-app crypto purchase with credit/debit card, Apple Pay or Google Pay, Local payment rails (SEPA, ACH, PIX) via in-app crypto purchase
- **Fiat custody:** DPT states it is not a bank and that balances are not covered by deposit insurance; digital assets are held with custodian BitGo, and DPT states that digital assets are protected under a $250,000,000 insurance policy.
- **Licence:** TCSP (Hong Kong Companies Registry, Hong Kong) (register: https://www.tcsp.cr.gov.hk/tcspls/)
- **Personal IBAN:** No
- **Banking note:** DPT does not currently support inbound bank transfers to a fiat balance; funding is stablecoin deposits or in-app crypto purchase. Personal virtual bank accounts (VBAs) for SEPA, SWIFT and ACH deposits are announced as coming soon.
- **Issuance:** Virtual card: $10; Physical card: $50; Time to card: Instant (virtual), 7-14 business days (physical)
- **Note:** Prepaid Visa funded with USDC/USDT, balance held in USD. NO CASHBACK: the value proposition is fee structure plus Visa Platinum/Infinite travel and lifestyle perks. Two tiers: Oxygen (Visa Platinum, no annual fee) and Obsidian (Visa Infinite, $10,000/year, invite-only or spend-based upgrade). Issuance fees are $10 virtual and $50 physical (replacement $10, delivery 7 to 14 business days); DPT's FAQ notes physical cards are being upgraded and sales were expected to resume in September (the notice does not state a year). Activating a card credits a non-withdrawable $5 spending credit. USD transactions are free, non-USD carries a 0-2% FX fee, ATM withdrawals cost 2% plus an FX surcharge (DPT's fee schedule says 0-1.75%, its ATM article says 0-2%) and are limited to $250 per withdrawal, 3 per day, $750 per day (declined attempts count). A $0.10 small-transaction fee applies to purchases of $25 or less (waived for a limited time), and declines cost $0.50 after 3 free per calendar month. Deposits and stablecoin-to-USD exchange are free; balance and spending limits are unlimited by default. Max 3 active cards per account. Custody is with BitGo, and DPT states digital assets are protected under a $250M insurance policy; DPT is not a bank and balances are not deposit-insured. NOT AVAILABLE TO US CITIZENS (non-US citizens resident in the US may apply); the terms of service also bar Canadian residents, while the FAQ lists card issuance as blocked for residents of Belarus, China (Mainland), Cuba, India, Iran, Iraq, Israel, Myanmar, Nepal, Nicaragua, North Korea, Russia, Syria, Turkey, Ukraine, Venezuela and Vietnam, and spending as blocked in Cuba, Iran, North Korea, Russia, Syria, Ukraine and Venezuela. Crypto purchases are a prohibited merchant category. ISSUER UNCONFIRMED: DPT's FAQ states the card is 'issued by U.S. Bank under license from Visa', but the terms of service name no issuing entity (only unnamed 'Service Partner(s)'), and DPT (HK) Limited's only disclosed licence is a Hong Kong TCSP licence, which is a company-services registration and not a payments or e-money authorisation. DeFi yield is advertised but marked 'coming soon'. Direct fiat deposits via virtual bank accounts are also 'coming soon'.
- **Tags:** No Cashback, Stablecoin, USDT, USDC, Global, Premium Tier

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Oxygen (Visa Platinum) | 0% | No cashback. $10 virtual or $50 physical issuance fee, no annual or monthly fee. Travel accident insurance up to $500,000 and Visa Luxury Hotel Collection benefits |
| Obsidian (Visa Infinite) | 0% | No cashback. $10,000/year membership, invite-only or automatic upgrade for qualifying top spenders. Priority Pass and Visa Infinite lounges, Quintessentially concierge, travel accident insurance up to $1,500,000 |

### Buenbit Card

- **Provider:** Buenbit (Nexo)
- **Status:** active (New)
- **Type:** Debit, Mastercard
- **Cashback:** 1-5% crypto
- **Fee:** $0
- **Region:** Argentina/Peru
- **KYC:** full
- **Availability:** Argentina, Peru
- **Last Verified:** 2026-08-02
- **Website:** https://buenbit.com
- **Note:** Prepaid Mastercard from Argentine exchange Buenbit, processed by Pomelo. No issuance or maintenance fee. Cashback is paid in DAI, BTC, ETH, USDC or nuARS and ranges from 1% at level 1 to 5% at level 4, with the level recalculated from the last 30 days of fiat/crypto trading volume. Buenbit also runs a Stockback variant that pays 1% on domestic and 2% on international purchases in fractional equities instead of crypto. Buenbit operates in Argentina, Peru and Mexico; card availability is confirmed for Argentina and Peru. Per-level volume thresholds, the exact level 1 monthly cap, ATM and FX fees are not published by the provider.
- **Tags:** Argentina, Peru, No Fee, LATAM

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Level 1 | 1% | Entry level, applied to all card purchases and subject to a monthly cashback cap |
| Level 4 (top) | 5% | Highest of four levels. Level is set by the volume operated between fiat and crypto (or crypto to nuARS/nuPEN) in the previous 30 days. Buenbit does not publish the per-level volume thresholds. |

### OnilX Crypto Card

- **Provider:** OnilX
- **Status:** active (New)
- **Type:** Debit, Mastercard
- **Cashback:** None announced
- **Fee:** TBD
- **Region:** Brazil
- **KYC:** full
- **Availability:** Brazil
- **Last Verified:** 2026-08-02
- **Website:** https://onilx.com
- **Note:** Mastercard from OnilX, a Brazilian exchange founded in 2020. Requires an OnilX Bank account. Cardholders convert their BRL balance to USDT and spend it, with conversion back to reais settling inside the user's own account at the moment of purchase, so merchants never handle crypto. Opened to OnilX clients in the app first, then to the general public from late October 2025. OnilX has not published a fee schedule, spending limits, issuance costs or a rewards programme for this card.
- **Tags:** Brazil, LATAM, USDT, Mastercard

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| No rewards programme | 0% | OnilX has not announced a cashback or rewards programme for this card |

### Trocador Prepaid Cards

- **Provider:** Trocador
- **Status:** active (No KYC)
- **Type:** Aggregator, Visa/Mastercard
- **Cashback:** None
- **Fee:** $0 (about $2.50/month per card from month 3 on international Mastercard)
- **Region:** Global (incl. US)
- **KYC:** none
- **Availability:** Global
- **Last Verified:** 2026-08-03
- **Website:** https://trocador.app/en/prepaidcards/
- **Detailed Fees:** Conversion: ~3% + $2 one-time at card purchase; FX: ~2% (quoted by some sources as $0.75 per non-US purchase); Top-up: n/a (cards are bought, not reloaded); Inactivity: ~$2.50/month from month 3 (international Mastercard)
- **Funding:** Assets: XMR, BTC, LTC, SOL, BCH; Methods: Buy a prepaid card outright with an on-chain crypto swap through Trocador's aggregator; no fiat rails and no reloading
- **Issuance:** Virtual card: ~3% + $2 one-time (varies by upstream provider); Time to card: Near-instant (activation code emailed once payment confirms)
- **Note:** NOT A CARD ISSUER. Trocador is a no-KYC exchange aggregator that resells third-party prepaid cards, reported to come from Tremendous (EUR/GBP Mastercard) and Blackhawk Network (US Mastercard), paid for in crypto. Virtual only, no physical card, no ATM access. Card generation asks for name, email, phone and address, but nothing is verified and Trocador states the address does not need to relate to any delivery address, so no identity document is ever required. Cards carry a one-time issuance fee of about 3% plus $2, roughly 2% currency conversion (quoted by some sources as $0.75 per non-US purchase), and international Mastercards decay at about $2.50 per month from the third month. The widely quoted '$1,000 limit' is a PER-CARD LOAD CAP, not a daily spending limit, and there is no cap on how many cards you buy: US Visa products are reported at up to $10,000 per card and EUR cards at EUR 1,750. Cards are frequently declined by merchants that require 3D Secure. Running since November 2023 with strong community signals and no loss-of-funds pattern. VERIFICATION GAP: fees, limits and the upstream issuer chain come from independent trackers and search summaries, not a direct read of Trocador's own pages, and need re-verification.
- **Tags:** Global, No KYC, Privacy, Virtual Only, No Cashback, Card Aggregator

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Base | 0% | No cashback or rewards programme exists |

### Laso Finance Card

- **Provider:** Laso Finance
- **Status:** active (No KYC)
- **Type:** Debit, Visa/Mastercard
- **Cashback:** None
- **Fee:** $0
- **Region:** Global (~189 countries, incl. US)
- **KYC:** none
- **Availability:** Global (~189 countries)
- **Last Verified:** 2026-08-03
- **Website:** https://laso.finance
- **Detailed Fees:** FX: ~2% on non-USD settlement; Top-up: 0% (US/Canada non-reloadable), 3.8% (international non-reloadable)
- **Mobile Pay:** Apple Pay, Google Pay, Samsung Pay
- **Funding:** Assets: USDC, USDT, DAI; Chains: Ethereum, Arbitrum, Base, Polygon, Optimism, BNB Chain, Solana, Stellar; Methods: Connect a self-custody wallet and deposit stablecoins, auto-converted to USD
- **Issuance:** Virtual card: $0 (a deposit fee applies instead); Time to card: Instant once the deposit confirms
- **Note:** Prepaid virtual card funded by connecting a self-custody wallet and depositing stablecoins, which are converted to USD. No personal information is collected and no document is ever requested; KYCnot.me classifies it Level 1 (no KYC). Verification is replaced by on-chain screening (Chainalysis, sanctions, PEP and adverse-media checks, plus device fingerprinting), so a deposit can be blocked at the compliance layer even though the user is never asked for ID. No cashback, no ATM access, no physical card. US and Canadian non-reloadable cards carry no deposit fee but only work inside their own country; international non-reloadable cards carry a 3.8% deposit fee plus about 2% FX on non-USD settlement. Reported per-card load cap of $1,000 with up to six cards per day, and $4,000/month on reloadable cards. Laso is a FinCEN-registered MSB, which is a self-registration rather than a licence: it carries no prudential supervision and no safeguarding of customer balances, and no issuing bank or BIN sponsor is published. VERIFICATION GAP: fees, limits and the restricted-country list come from independent trackers and search summaries, not a direct read of Laso's own pages, and need re-verification.
- **Tags:** Global, No KYC, Privacy, Virtual Only, No Cashback, Stablecoin, Multi-Chain

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Base | 0% | No cashback or rewards programme exists |

### MaxSwap Virtual Card

- **Provider:** MaxSwap
- **Status:** active
- **Type:** Debit, Mastercard
- **Cashback:** None
- **Fee:** $0
- **Region:** Global (excl. sanctioned states; US unconfirmed)
- **KYC:** optional
- **Availability:** Global excl. sanctioned states
- **Last Verified:** 2026-08-03
- **Website:** https://maxswap.cc
- **Detailed Fees:** Conversion: 0.4% per successful transaction; FX: 0.6% when settlement is not in USD; Top-up: 3% (reduced from 5%)
- **Mobile Pay:** Apple Pay
- **Funding:** Methods: Fund the card from a MaxSwap Telegram wallet balance; $25 minimum initial deposit
- **Issuance:** Virtual card: $25 (25 USDT), plus a $25 minimum initial deposit; Time to card: Under a minute via the Telegram bot
- **Note:** Prepaid virtual Mastercard issued through a Telegram bot in under a minute. MaxSwap's own virtual card policy states there is no mandatory KYC and that email alone is sufficient, but the same policy commits to AML compliance and reserves the right to require verification where operations breach service rules, so we classify it low-KYC rather than no-KYC. Issuance is $25 (25 USDT) plus a required $25 minimum initial deposit: the $50 figure circulating on social media is those two added together, and half of it is your own spendable balance. Top-up is 3%, recently reduced from 5%, plus 0.4% per successful transaction and 0.6% extra when settlement is not in USD. Virtual only, so no ATM access, and cards cannot transfer or withdraw to another card. Payments are prohibited in the currencies of Afghanistan, Belarus, Cuba, Iran, North Korea, Syria, Venezuela, Russia, Myanmar, Somalia, Yemen and the occupied Ukrainian territories; US support is not affirmatively confirmed. MaxSwap advertises limits of $50,000 per transaction, $200,000/day and $2,000,000/month, which are implausible for email-only onboarding, so we record no limits rather than repeat them. VERIFICATION GAP: fees and policy detail come from search summaries of MaxSwap's own pages rather than a direct read, and need re-verification.
- **Tags:** Global, Low KYC, Privacy, Virtual Only, No Cashback, Mastercard

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Base | 0% | No cashback or rewards programme exists |

### Kardpay

- **Provider:** Kardpay
- **Status:** active
- **Type:** Debit, Mastercard
- **Cashback:** None published
- **Fee:** $0 (one-time $28 card fee)
- **Region:** Global (180+ countries claimed)
- **KYC:** optional
- **Availability:** Global (180+ countries claimed)
- **Last Verified:** 2026-08-03
- **Website:** https://kardpay.app
- **Detailed Fees:** Conversion: $0.25 per authorisation; Top-up: 4%
- **Mobile Pay:** Apple Pay, Google Pay
- **Funding:** Assets: USDC; Methods: Deposit USDC from an external EVM-compatible self-custody wallet
- **Issuance:** Virtual card: $28; Time to card: Instant once the card fee is paid; activation needs a $15 minimum top-up
- **Note:** NOT no-KYC despite being listed as such on social media: onboarding is connect wallet, then light KYC (phone number and country), then deposit USDC and order the card. Prepaid virtual Mastercard, five cards per account, two-year validity, funded in USDC from an external EVM-compatible wallet. Account opening is free, card issuance is $28, top-up is 4% (one source suggests this drops toward 2.5% for stakers), $0.25 per authorisation, $30 flat chargeback fee and a $15 minimum top-up which also activates the card. Kardpay does not publish any spending or ATM limits, stating only that limits are calculated from the tier held. Cashback is gated on staking its own $KDY token with a 180-day lock, and the advertised rate contradicts itself between Kardpay's own site (up to 2%) and third-party writeups (4% and 8%), so no rate is recorded here. Documentation is on GitBook and the app is live, but independent validation is almost nonexistent. VERIFICATION GAP: all fees and the KYC flow come from search summaries rather than a direct read of Kardpay's own pages, and need re-verification.
- **Tags:** Global, Low KYC, Virtual Only, Stablecoin, USDC, Mastercard, Staking Required

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Staking tiers (not published) | 0% | Kardpay's own site advertises 'up to 2%' while third-party writeups describe 4% and 8% tiers gated on staking $3,000 to $6,000+ of its $KDY token for 180 days. The tier table is not published in official materials and the figures contradict each other, so we record no rate. |

### Pinto Pay

- **Provider:** PintoPay
- **Status:** active
- **Type:** Debit, Visa/Mastercard
- **Cashback:** None
- **Fee:** $0
- **Region:** Global (NOT US)
- **KYC:** optional
- **Availability:** Global excl. US
- **Last Verified:** 2026-08-03
- **Website:** https://pintopay.me
- **Detailed Fees:** Conversion: $0.25 per authorisation; ATM: $0.25 + operator fee; Top-up: 2.5% (reported $2 minimum under $100)
- **Mobile Pay:** Apple Pay
- **Funding:** Assets: USDT; Chains: Tron (TRC20); Methods: USDT top-up through the Telegram bot, credited in 5 to 10 minutes
- **Issuance:** Virtual card: 35 USDT (one 2026 source claims this is now $0); Time to card: Instant digital issuance
- **Note:** HIGH RISK, see the warning below before using. Prepaid card issued through a Telegram bot with no verification at signup, but PintoPay's terms and privacy policy reserve broad rights to collect identity data and run checks triggered by suspicious activity, high-value transactions or AML review, so we classify it low-KYC rather than no-KYC. Reported issuance fee of 35 USDT, though one 2026 source claims issuance is now free; top-up 2.5% (with a reported $2 minimum on top-ups under $100), $0.25 per authorisation, and $0.25 plus operator fee at ATMs. Top-up is USDT only, confirmed on TRC-20, despite marketing that mentions BTC and ETH. No cashback on spend. Not usable in the US, where it is reported to fail at merchants requiring a domestic billing address. The issuer is claimed by third parties to be Sunrate Solutions Limited, a genuinely licensed Hong Kong money service operator, but that link is sourced only to aggregators and a single reviewer, and PintoPay publishes no licence of its own. Only pintopay.me is corroborated as official; several lookalike domains exist. VERIFICATION GAP: fee, network and issuer detail could not be confirmed against PintoPay's own pages, and sources contradict each other on the card network and on whether the issuance fee still applies.
- **Tags:** Global, Low KYC, Virtual Only, No Cashback, USDT, High Risk, NOT US

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Base | 0% | No cashback on spend; a referral programme pays for friend activations and top-ups |

### PayFun Card

- **Provider:** PayFun
- **Status:** active (New)
- **Type:** Debit, Visa
- **Cashback:** None
- **Fee:** $0
- **Region:** Not disclosed
- **KYC:** full
- **Availability:** Not disclosed
- **Last Verified:** 2026-08-03
- **Website:** https://www.payfun.com
- **Detailed Fees:** Conversion: 0.9-1.0% per transaction (reported, unverified); FX: 1% (reported, unverified); Top-up: Network gas only (reported)
- **Mobile Pay:** Apple Pay, Google Pay
- **Funding:** Assets: USDT, USDC; Methods: Stablecoin deposit in the PayFun app; deposit chains are not published
- **Issuance:** Virtual card: $0 during the Genesis promo, $1 reported since the free slots were exhausted; Time to card: Instant (virtual), 7-14 days (physical, reported)
- **Note:** NOT a no-KYC card despite circulating alongside no-KYC listings: registration is by email or phone and then a government ID or passport upload is required. Launched around 15 July 2026, so it is a very new product with little independent track record. Prepaid Visa funded with USDT or USDC, converted to fiat at the point of purchase, with a virtual card issued instantly and a physical card reported at 7 to 14 days. The 'Genesis Aura' and 'Genesis Obsidian' tiers promoted on X are marketing labels for a free card-issuance cohort, not NFTs, a presale or a token allocation: Genesis Aura was claimable on registration and Genesis Obsidian was reserved for the first 300 qualified users. The '0-fee benefits' from 1 August 2026 are a per-transaction fee waiver capped at about $200 of spend for that cohort, which is a fee waiver and NOT cashback. The first 2,500 free card slots are exhausted and issuance is now reported at $1. NO issuing bank, BIN sponsor, licence or regulator registration is published anywhere, and the card BIN is reported by users to be Hong Kong. Spending and ATM limits are not published. Regional availability is NOT disclosed and eligibility for the US, EEA and UK is unconfirmed; observable distribution is overwhelmingly Chinese-language. VERIFICATION GAP: every fee figure listed here traces to affiliate-incentivised review posts and forum threads rather than PayFun's own terms, which could not be read in this review, and unconfirmed user reports mention KYC rejections and difficulty withdrawing or closing accounts holding a balance. Re-verify before relying on any of it.
- **Tags:** New, Visa, Stablecoin, USDT, USDC, Virtual + Physical

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Base | 0% | No cashback or rewards programme is published; PayFun runs a referral commission instead |

### Goblin Card

- **Provider:** Goblin Cards
- **Status:** active (No KYC)
- **Type:** Debit, Mastercard
- **Cashback:** None
- **Fee:** $0 ($350 one-time card fee)
- **Region:** Worldwide
- **KYC:** none
- **Availability:** Global
- **Last Verified:** 2026-08-04
- **Website:** https://www.goblincards.com/
- **Detailed Fees:** Conversion: 3.5% on deposits (4% for XMR); FX: 0% (provider claim, at xe.com rates); ATM: 0% Goblin fee (ATM operator fees still apply); Top-up: 3.5% (4% for XMR), $100 minimum deposit
- **Limits:** Daily spend: $5,000; Monthly spend: $25,000; Daily ATM: $500
- **Funding:** Assets: BTC, ETH, SOL, XMR, USDT; Methods: Crypto deposit to a dedicated wallet address held by the user, credited 10-30 minutes after confirmation; a Telegram deposit bot is also offered
- **Issuance:** Physical card: $350 one-time; Time to card: About 7 days by international courier
- **Note:** Genuinely no-KYC: no name, email or ID is collected, only a shipping address for the physical card. Physical Mastercard with chip and contactless, no cardholder name printed, valid 3 years. Card balance is denominated in Mexican pesos and the card spends in USD, EUR, MXN and other currencies at what the provider describes as xe.com rates with 0% Goblin FX and ATM fees (ATM operators may still charge their own). The real cost is front-loaded: $350 one-time, plus a 3.5% deposit fee (4% for XMR) on every top-up, with a $100 minimum deposit and 10-30 minutes to credit after blockchain confirmation. Limits are $5,000/day, $25,000/month and $500/day at ATMs. Multiple cards per person are allowed. Delivery is about 7 days by FedEx, UPS, DHL or Estafeta. VERIFICATION GAP: no issuing bank, BIN sponsor, licence or registered entity is published anywhere, and the deposit gas estimate below assumes an Ethereum-network top-up as the representative case since deposits are accepted on several chains. Independent evidence is genuinely split, see the risk warning.
- **Tags:** No KYC, Privacy, Monero, Global, Mastercard, Physical

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Base | 0% | No cashback or rewards programme is published |

### Freedomia Card

- **Provider:** Freedomia
- **Status:** active (No KYC)
- **Type:** Debit, Visa
- **Cashback:** None
- **Fee:** $60/yr ($5/mo Founder tier)
- **Region:** Global
- **KYC:** none
- **Availability:** Global
- **Last Verified:** 2026-08-04
- **Website:** https://www.freedomia.io/home
- **Detailed Fees:** Conversion: 0% on USD transactions, 2.5% on other currencies; FX: 2.5% (0% on USD transactions); Top-up: 1.3%
- **Mobile Pay:** Google Pay
- **Limits:** Monthly spend: $5,000/mo and $60,000/yr (Founder, HODL); $10,000/mo and $120,000/yr (MOON, coming soon)
- **Funding:** Assets: BTC, XMR, ETH, LTC, SOL, TRX, BNB, USDT, USDC; Chains: Bitcoin Lightning Network; Methods: Deposit to a personal Lightning address issued per user, auto-converted to a USD balance
- **Issuance:** Virtual card: Included in the monthly subscription; Time to card: Instant (virtual only)
- **Note:** Sign-up is email-only with no ID, no selfie and no approval wait, and the provider states KYC will never be requested. Virtual Visa only, issued instantly, with Google Wallet support, 3D Secure and an in-app freeze; Apple Pay is advertised as coming soon and there is no physical card. Funding is unusual: each user gets a personal Lightning address (yourname@freedomia.io), and Monero, Bitcoin, ETH, LTC, SOL, TRX, BNB, USDT and USDC all convert to a USD balance. Fees are 1.3% on top-ups, 0% on USD transactions and 2.5% on other currencies. Access is subscription-gated: the Founder tier is $5/month with $5,000/month and $60,000/year limits; HODL ($9.99/month, same limits) and MOON ($17.99/month, $10,000/month and $120,000/year) are both listed as coming soon and were not purchasable at the time of checking. Because funding runs over Lightning rather than a base-layer settlement, the cost-to-spend model treats top-ups as carrying negligible network gas. VERIFICATION GAP: no issuing bank, BIN sponsor or licence is published. A legal entity is named on the site's legal page (Freedomia Digital Group LLC, Delaware) but no company registration number is given. KYCnot.me records the service as beta-stage. See the risk warning.
- **Tags:** No KYC, Privacy, Monero, Lightning, Global, Visa, Virtual

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Base | 0% | No cashback or rewards programme is published |

### Agora Card

- **Provider:** Agora Cards
- **Status:** active (No KYC)
- **Type:** Debit, Unknown
- **Cashback:** None
- **Fee:** $0 ($90 virtual or $500 physical, one-time)
- **Region:** Global excluding sanctioned and high-risk jurisdictions
- **KYC:** none
- **Availability:** Global excluding sanctioned jurisdictions
- **Last Verified:** 2026-08-04
- **Website:** https://agora.cards/
- **Detailed Fees:** Conversion: 1.5% + $0.35 per transaction (virtual); 1.5% + $0.10 (physical); FX: 1.5%; ATM: 2% (physical card only); Top-up: 2%
- **Mobile Pay:** Apple Pay, Google Pay
- **Limits:** Daily spend: $240,000 (claimed), $20,000 per transaction; Monthly spend: $900,000 (claimed); Daily ATM: $1,500 (physical card only)
- **Funding:** Assets: USDT, USDC; Chains: Ethereum (ERC20), BSC (BEP20), Tron (TRC20); Methods: Stablecoin deposit; the provider's April 2026 announcement priced deposits per network ($3 BEP20, $6 ERC20/TRC20), figures not repeated on the site
- **Issuance:** Virtual card: $90 one-time (includes $10 credit); Physical card: $500 one-time; Time to card: Instant (virtual); 48-72h express delivery (physical)
- **Note:** Marketed as no-KYC with sign-up on an email address only, and invite-only as of the provider's April 2026 announcement. Funded with USDT and USDC only. Entry is expensive and paid up front: $90 one-time for a virtual card (including $10 of credit) or $500 for the physical card. No refund or cancellation policy is published. Published running fees are 2% on top-ups, 1.5% FX, 1.5% plus $0.35 per virtual transaction (1.5% plus $0.10 physical) and 2% on ATM withdrawals, which are physical-card only. Advertised limits are extremely high for an unverified card and are stated as identical for both card types: $20,000 per transaction, $240,000/day and $900,000/month, with a $1M lifetime cap on virtual cards (unlimited on physical) and ATM caps of $1,500/day and $15,000/month on the physical card. Apple Pay and Google Pay are listed for the virtual card. Excluded countries are Somalia, Afghanistan, Iran, Myanmar, North Korea, Syria, Yemen, Belarus, Russia, Ukraine, Cuba, Venezuela, Central African Republic, DR Congo, Guinea-Bissau, Libya, Mali, South Sudan, Sudan, Zimbabwe, Iraq, Lebanon, Haiti and Nicaragua. VERIFICATION GAP: the card network (Visa or Mastercard) is not stated anywhere on the site, no issuing bank or custodian is named, and the fees published on the site contradict the provider's own April 2026 forum announcement, which quoted 5% on spending and 7% on cash withdrawals. The deposit gas estimate assumes an Ethereum-network top-up; per-network deposit pricing ($3 BEP20, $6 ERC20/TRC20) appears only in the April 2026 announcement, not on the site. See the risk warning.
- **Tags:** No KYC, Privacy, Stablecoin, USDT, USDC, Global, Virtual + Physical

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Base | 0% | No cashback or rewards programme is published |

### Spritz Card

- **Provider:** Spritz Finance
- **Status:** active (New)
- **Type:** Debit, Visa
- **Cashback:** 0% base (5% travel & dining, promotional)
- **Fee:** $0
- **Region:** 31 countries
- **KYC:** full
- **Availability:** 31 countries including the US, Canada, UK, Brazil, UAE and Australia
- **Last Verified:** 2026-08-04
- **Website:** https://www.spritz.finance/
- **Detailed Fees:** Conversion: 1% base on virtual card loads ($2 min), +0.5% to +2% by chain and token; Top-up: 1% base ($2 min); Ethereum +0.5%, BSC +1%, Bitcoin +1.5% ($5 min)
- **Mobile Pay:** Apple Pay, Google Pay
- **Limits:** Daily spend: No daily cap advertised
- **Funding:** Assets: USDC, USDT, BTC, ETH, SOL, XRP, SUI, DASH, TRX, 50,000+ tokens; Chains: Ethereum, Solana, Polygon, Arbitrum, Avalanche, Base, BSC, Optimism, Bitcoin, Tron, Sui, XRP Ledger, Dash; Methods: Load directly from a self-custodied wallet across 14 supported networks
- **BIN sponsor:** Rain
- **Issuance:** Virtual card: $0; Time to card: Instant (virtual); physical was a limited alpha release of 3,000 units
- **Note:** Spritz describes it as a real credit card that is fully collateralised, carrying the full Visa Signature benefit suite (airport lounge access, travel insurance, purchase protection, trip delay protection, hotel upgrades, extended warranties, zero liability fraud protection), but recorded here as a debit card because it is fully prefunded from the user's own wallet with no credit line and no credit check. Launched to US early access on 1 June 2025 and internationally on 25 June 2025. Virtual card issues instantly; the physical card was a limited alpha release capped at the first 3,000 units. Full KYC is required for meaningful use, including a passport or national ID. Supports 50,000+ tokens across 14 networks. There is no fee to spend or to maintain the account: the cost sits in the load fee, a 1% base on virtual card loads ($2 minimum) which is adjusted upward by chain and token (no adjustment on Layer 2s and Solana with USDC, +0.5% on Ethereum or on L2/Solana with other tokens, +1% on BSC or Sui USDC, +1.5% on Bitcoin with a $5 minimum, +2% on Sui native). Off-ramp starts at 0.5% ($2 minimum) and on-ramp is a flat 1%. Spritz advertises no daily spending cap. The headline 5% cashback is presented on the card page as a three-day 'Shopping Spree' unlocked on loading, alongside standalone 'Earn 5% cashback on travel, dining & hotels' copy, so it is recorded here as promotional rather than a confirmed standing rate. VERIFICATION GAP: the issuing bank behind the Rain partnership is not named publicly, no base cashback rate outside the bonus categories is published, and ATM and FX fee schedules are not published; the fee help centre covers card loads and transfers only.
- **Tags:** Visa Signature, Travel Rewards, Multi-Chain, No Annual Fee, Global

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| All Other | 0% | All other purchases; no base cashback rate is published outside the bonus categories |
| Travel, Dining & Hotels (promotional) | 5% | Travel, dining, hotel and airline purchases, presented as a three-day 'Shopping Spree' unlocked on loading the card and paid as Spritz Credits; whether it continues as a standing category rate is not confirmed |

### Stablecard by Western Union

- **Provider:** Western Union
- **Status:** active (New)
- **Type:** Credit, Visa
- **Cashback:** None
- **Fee:** Not published
- **Region:** 37 markets
- **KYC:** full
- **Availability:** 37 markets at launch, targeting 60+ by end of 2026
- **Last Verified:** 2026-08-04
- **Website:** https://www.westernunion.com
- **Mobile Pay:** Apple Pay, Google Pay
- **Funding:** Assets: USDPT; Chains: Solana; Methods: Western Union money transfer paid directly into the USDPT wallet, Transfer from a compatible external wallet or exchange
- **BIN sponsor:** Rain
- **Fiat custody:** 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.
- **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).
- **Tags:** New, Stablecoin, Remittance, Secured Credit, USDPT, Visa

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Base | 0% | No rewards programme at launch; Western Union has referred to possible onchain loyalty programmes in future |

### KOSH Global Card

- **Provider:** KOSH
- **Status:** active (New)
- **Type:** Credit, Visa
- **Cashback:** Promos only (5% hotels)
- **Fee:** $0
- **Region:** Select jurisdictions (Asia-focused)
- **KYC:** full
- **Availability:** Select jurisdictions (app check required); platform serves 90+ countries, Asia-focused
- **Last Verified:** 2026-08-05
- **Website:** https://koshmoney.com
- **Detailed Fees:** FX: 1.5%
- **Mobile Pay:** Apple Pay, Google Pay
- **Funding:** Assets: USDC, USDT, USD; Methods: ACH, Wire/SWIFT, Stablecoin deposit
- **Note:** Launched around June 2026 (Product Hunt debut June 12, 2026). A crypto-collateralized Visa credit card secured by the user's KOSH USD/USDC balance, aimed at freelancers and creators in Asia who receive USD from Upwork, TikTok Shop, Shopify, and similar platforms without a US entity. Virtual and physical cards with Apple Pay and Google Pay. USD spending has no fee; other currencies convert at 1.5% per transaction. Terms of service describe the program as crypto-collateralized credit through an unnamed regulated issuer. VERIFICATION GAP: no published country list for card issuance (the app gates eligibility), card issuance fees and spending limits are not disclosed, and the issuing bank is not named.
- **Tags:** New, Stablecoin, Secured Credit, Freelancers, No Monthly Fee, Visa

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Base | 0% | No flat cashback. Advertises 5% cashback on hotel bookings and 10% points on undefined 'eligible purchases'; fine print says reward rates and values may vary and are subject to change |

### Keytom Card

- **Provider:** Keytom
- **Status:** active
- **Type:** Debit, Visa
- **Cashback:** None
- **Fee:** $10/mo (per card; $20/mo with both virtual and physical active)
- **Region:** 150+ countries
- **KYC:** full
- **Availability:** 150+ countries (no published eligible-country list; ~42 jurisdictions excluded)
- **Last Verified:** 2026-08-07
- **Website:** https://keytom.com
- **Detailed Fees:** Conversion: 1.5% EUR to crypto (0.25-1% crypto to crypto); FX: 1% USD payments / 2.35% other currencies (min $0.66); ATM: 2% USD / 3.35% other currencies (min $0.66), plus ATM-operator fees; Inactivity: Chargeable per T&C (amount not published; 'Fee Schedule' not public)
- **Mobile Pay:** Google Pay
- **Limits:** Monthly spend: No fixed monthly cap on card spend; per-transaction soft limit ~$150,000; Daily ATM: $3,000/day, $10,000/month, $100,000/year
- **Funding:** Assets: USDC, BTC, ETH, SOL, XRP, TON, BNB, ADA, AVAX, BCH, LTC; Methods: Visa Direct card load, USDC deposit, EUR/crypto conversion to USDC
- **Personal IBAN:** Yes
- **Receives third-party transfers:** Yes
- **Sends third-party transfers:** Yes
- **IBAN country:** GB
- **Banking note:** EUR IBAN issued in the UK, in the user's own name; salary and other third-party payments confirmed supported, and SEPA/SEPA Instant out is priced at 1% + EUR 0.25 (min EUR 2.75). SEPA in is 0.5% + EUR 0.25 (min EUR 2.75). Personal direct-debit support and transfer limits are not published. Keytom's own terms and conditions hedge the named-account marketing, stating fiat funds 'may be held in segregated or pooled accounts, depending on the safeguarding model,' so the underlying safeguarding for an individual account is not guaranteed to be segregated.
- **Issuance:** Virtual card: $0 (virtual card); Physical card: $50 (delivery, about 14 days); Time to card: Minutes (virtual); about 14 days (physical)
- **Note:** USDC-funded Visa card; balance spends via Visa, ATM, or a EUR account. No cashback, rewards, or tiers. Apple Pay is not available; Google Pay and PayPal are supported. The site states the card BIN is classified as credit for merchant purposes (needed to use it for rentals such as cars) but explicitly does not extend loans or a credit line. The $10/mo (per card) fee is only charged while the card balance can cover it; if the balance is insufficient the card simply freezes rather than going into debt. USDT is not supported, which Keytom attributes to MiCA. Regions are contradictory across Keytom's own properties: the main site markets to residents of 150+ countries with an EU reverse-solicitation footer ('KEYTOM does not actively market or promote crypto-asset services within the European Union'), while the keytom.cards microsite carries a notice restricting all card issuance and distribution to residents of Hong Kong. Neither the issuing bank nor the EUR IBAN's banking partner is named.
- **Tags:** Global, USDC, No Cashback, IBAN

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| No Cashback | 0% | No cashback or rewards programme published on the card, personal, or business pages |

### Stack Card

- **Provider:** Stack
- **Status:** active (New)
- **Type:** Debit, Visa
- **Cashback:** 1.5% USD
- **Fee:** $0
- **Region:** 35+ countries (MENA focus)
- **KYC:** full
- **Availability:** Limited
- **Last Verified:** 2026-08-09
- **Website:** https://stack.one
- **Mobile Pay:** Apple Pay, Google Pay
- **Funding:** Methods: Bank transfer (ACH, wire, SEPA) into USD/EUR account details
- **Personal IBAN:** Yes
- **Receives third-party transfers:** Yes
- **Banking note:** Stack advertises 'real' US dollar and euro account details in the user's own name, described on its Egypt guide as usable for ACH, wire, and SEPA payments from clients and platforms such as Upwork and Fiverr, which confirms third-party inbound. The IBAN's issuing country is not published, and outbound SEPA to arbitrary third parties is not documented separately from the app's remittance payout rails.
- **Issuance:** Virtual card: $0; Time to card: Minutes (virtual); physical card not yet available
- **Note:** Rebrand in progress: the same product is served as 'Stack' at stack.one and as 'Hawala' at usehawala.com, and stack.one's canonical tag still points to usehawala.com. Both app stores still list it as 'Hawala - Global USD Account' as of 2026-08-09, so app-store searches need the old name. Virtual card only today: Stack's own FAQ says the card 'lives in the app' via Apple Pay and Google Pay, with a physical card and ATM access 'coming soon', so the Visa ATM access described in press coverage is not yet live. Balances are held as dollar stablecoins with what Stack calls regulated, audited partners, named on its Egypt comparison page as USDC, USDT, PYUSD, and EURC; no partner, custodian, or card issuer is named anywhere in the terms, which say only that cards and custody are 'provided by licensed partners'. Funding is fiat-rails only in all public documentation (ACH, wire, SEPA into USD/EUR account details): no crypto deposit or withdrawal is documented, so the stablecoin layer is backing rather than a user-facing crypto feature. Country coverage is inconsistent across the company's own sources: Google Play says Egypt, Saudi Arabia, UAE, US, UK, Europe and 35+ countries, the App Store says Indonesia, Saudi Arabia, Philippines, Egypt, Kenya and 100+ more, and its funding announcement claims users in more than 200 countries; the conservative 35+ figure is recorded here. No ATM, FX, or conversion fee schedule is published beyond 'no monthly fees and no hidden charges on dollar spending'.
- **Tags:** Stablecoin, Visa, No Fee, Virtual Only, MENA, Freelancers, New

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Standard | 1.5% | All eligible purchases, paid automatically in dollars (Stack does not publish which purchases count as eligible, and no cap is disclosed) |

---

## Announced Cards (6)

These cards have been announced but are not yet available.

### World Liberty Financial Card

- **Provider:** World Liberty Financial
- **Status:** announced (Waitlist)
- **Type:** Debit, TBD
- **Cashback:** TBD
- **Fee:** TBD
- **Region:** US (expected)
- **KYC:** unknown
- **Availability:** US (expected, not yet launched)
- **Last Verified:** 2026-07-08
- **Website:** https://worldlibertyfinancial.com
- **Note:** Crypto debit card from World Liberty Financial, backed by the Trump family. Will integrate with USD1 stablecoin (circulating supply ~$4.5B as of Q1 2026) and Apple Pay. Announced at TOKEN2049 Singapore (Oct 2025) for launch by early 2026 but not yet live as of Jul 2026. WLFI has applied for a US national banking charter (Jan 2026). USD1 deployed across ~10 blockchain networks.
- **Tags:** US, Stablecoin, USD1

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| TBD | 0% | Details not yet announced |

### Veera Card

- **Provider:** Veera
- **Status:** announced (Waitlist)
- **Type:** Debit, TBD
- **Cashback:** Up to 6%
- **Fee:** TBD
- **Region:** 187 countries
- **KYC:** unknown
- **Availability:** Global
- **Last Verified:** 2026-07-10
- **Website:** https://veera.com/
- **Note:** Singapore-based on-chain neobank. Waitlist still open at waitlist.veera.com as of May 2026, card not yet live for consumers. $10M raised across pre-seed and seed (Sigma Capital, CMCC Titan Fund). Veera app has 2M+ downloads, 300K+ self-custody wallets, 220K MAU. Card targets 187 countries with non-custodial spending. Zero FX fees, gasless transactions, auto-yield on idle balances pitched as differentiators. Waitlist now 30,000+ sign-ups; still no public launch date.
- **Tags:** Announced, Global, Self-Custody, Zero FX, NOT Launched

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Max Rate | 6% | Up to 6%, card on waitlist, not yet launched |

### Zengo Card

- **Provider:** Zengo
- **Status:** announced (Waitlist)
- **Type:** Debit, Mastercard
- **Cashback:** TBD
- **Fee:** TBD
- **Region:** US (first)
- **KYC:** unknown
- **Availability:** US
- **Last Verified:** 2026-07-10
- **Website:** https://zengo.com
- **Note:** Mastercard-linked debit card from Zengo, the keyless MPC wallet (no seed phrase, social recovery + biometric login). Users will convert crypto to fiat in-app and load funds onto the card. Wallet platform has 1M+ users and 100+ cryptos supported. Card remains in waitlist/pre-launch as of May 2026; planned US-first rollout with international expansion to follow. No public live-launch confirmation found.
- **Tags:** Announced, US, Mastercard, Non-Custodial, NOT Launched

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| TBD | 0% | Cashback structure not yet disclosed, card not yet launched |

### SecondFi Card

- **Provider:** SecondFi (EMURGO)
- **Status:** announced (Waitlist)
- **Type:** Debit, Visa
- **Cashback:** TBD
- **Fee:** TBD
- **Region:** Global (130+ countries)
- **KYC:** unknown
- **Availability:** Global (130+ countries via Wirex)
- **Last Verified:** 2026-07-10
- **Website:** https://secondfi.io
- **Note:** Self-custodial neofinance card from EMURGO (Cardano co-founder), with deepened Wirex partnership announced May 7, 2026. Builds on EMURGO's Cardano Card (custodial, launched at Cardano Summit 2025); SecondFi card is a separate self-custodial product. Funds remain in the user's own wallet until point of transaction. Spend ADA, BTC, ETH, USDC, and hundreds of supported assets at Visa merchants worldwide. SecondFi app integrates spending, trading, earning, and saving. Waitlist opened April 22, 2026 at Money20/20 Bangkok; not yet live for consumers as of May 2026.
- **Tags:** Announced, Non-Custodial, Cardano, Global, NOT Launched

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| TBD | 0% | Crypto cashback confirmed but rate not yet disclosed |

### Slash Card

- **Provider:** SLASH VISION Labs
- **Status:** announced (New)
- **Type:** Debit, Visa
- **Cashback:** 0%
- **Fee:** TBD
- **Region:** Japan
- **KYC:** full
- **Availability:** Japan
- **Last Verified:** 2026-07-10
- **Website:** https://slashvision.com
- **Note:** Japan's first USDC payment card. Pre-registration issuance began April 20, 2026; general applications opening August 2026. Physical card 35 USDC during launch campaign, virtual card 20 USDC. Direct USDC spending at Visa merchants without fiat conversion. Developed by SLASH VISION Labs x Aikitas x Orico. Full fee structure not yet publicly disclosed.
- **Tags:** Japan, Announced, Stablecoin, USDC, Visa

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Standard | 0% | No cashback announced |

### Eurasian Bank Crypto Card

- **Provider:** Eurasian Bank x Intebix
- **Status:** announced (Announced)
- **Type:** Debit, Mastercard
- **Cashback:** None announced
- **Fee:** TBD
- **Region:** Kazakhstan
- **KYC:** full
- **Availability:** Kazakhstan (pilot, limited issuance)
- **Last Verified:** 2026-08-02
- **Website:** https://eubank.kz
- **Limits:** Daily spend: ~$1,000 (pilot cap); Daily ATM: Not enabled
- **Note:** Kazakhstan's first crypto card, run as a pilot by Eurasian Bank with Mastercard and the Intebix exchange under National Bank of Kazakhstan supervision. Eurasian Bank said in January 2025 it was preparing to issue the card, and released a test issuance in September 2025. Holders spend USDT, converted to tenge at the Intebix rate at point of sale, with a 1% fee per transaction. Spending is capped around the equivalent of USD 1,000 per day and works only inside Kazakhstan; ATM withdrawals and transfers are not enabled. Five further Kazakh banks (Halyk, Forte, Freedom, RBK, Altyn) have since joined the National Bank crypto-card pilot. Still not generally available to the public as of August 2026, so it stays announced rather than active.
- **Tags:** Kazakhstan, Announced, USDT, Stablecoin, Mastercard

**Cashback Tiers**

| Tier | Rate | Requirement |
| --- | --- | --- |
| Standard | 0% | No rewards programme announced for the pilot |

---

## Discontinued Cards (22)

These cards are no longer available. Listed for historical reference.

| Card | Provider | Former Cashback | Notes |
| --- | --- | --- | --- |
| BitMart Card | BitMart | Up to 5.5% USDT | DISCONTINUED: BitMart announced an orderly wind-down of its trading platform on July 26, 2026. New registrations and all crypto and fiat deposits were suspended from 01:30 UTC that day, all trading services end 01:00 UTC on August 26, 2026, and the platform ceases operations entirely at 15:59 UTC on January 31, 2027. Withdrawals stay open during the wind-down; BitMart advises completing verification and submitting withdrawal requests before 05:00 UTC on August 26, 2026. The card was funded from the BitMart exchange account and its tiers keyed off exchange VIP level, so with deposits suspended it can no longer be topped up or newly issued. BMX fell 58% on the announcement. Rates below are the pre-wind-down structure, retained for reference. Expanded to 115+ countries Feb 2026. Up to 5.5% USDT cashback. 2026 framework: 1% baseline, +1% promo for first 30 days post-activation, up to 4% on online purchases (food delivery, Netflix), up to 5% on malls/restaurants/supermarkets, peak 5.5% for VIP 5-8 users. VIP qualification: 30-day spot trading volume OR total assets OR BMX balance (any one). VIP 1 confirmed = $200K spot volume or $20M futures (per bitmart.com/vip). Individual VIP 2-8 volume breakpoints are not published on the card page. 8-tier VIP system (expanded from 6 in 2026). Physical card $30-$90 (varies by VIP), 1.3% FX fee. NOT available in US, UK, India, Japan, Indonesia. |
| Cypher Card | Cypher | 1-5% + CYPR tokens | DISCONTINUED — Acquired by Nium (Jul 2026). Card loading ended Jul 8, 2026; existing cards cancelled Aug 7, 2026; app/dApp/withdrawal portal shuts down Sep 6, 2026. CYPR token/protocol permanently wound down with no compensation/buyback for holders. Non-custodial (self-custody, retain own keys; funds converted at point of sale). CYPR token launched Oct 5, 2025 on Base (Binance Alpha, KuCoin, Aerodrome); protocol epochs began Oct 9, 2025. WARNING: CYPR has dropped ~97% from ATH ($0.27→~$0.008), making effective USD cashback value very low. Base reward 0.17 CYPR per $10. Up to 5% at partner merchants + up to 35% in CYPR via governance voting (bi-weekly cycles, lock CYPR as veCYPR to direct merchant emissions). $20.5M net card spend in 2025 (#2 among major crypto cards). US: only 33 states (excluded: AZ, DE, GA, ID, LA, MD, MO, NM, ND, OH, OR, RI, SD, VT, WA, WI, WY). Supports 25+ chains, 500+ tokens. Top-up fee 0.5% USDC / 1% other tokens (free on Premium). 1% FX, 3% ATM (0.75% FX on Premium). Physical card $50. Backed by Y Combinator, Coinbase Ventures, Samsung Next. |
| Pyra Card | Pyra | 0% | DISCONTINUED June 15, 2026. Pyra announced full termination of all card services after failing to recover from the Drift Protocol exploit (~$295M hack, April 1, 2026, DPRK-linked). All existing cards cancelled. Users have until September 15, 2026 to withdraw funds and export private keys. Pre-exploit: crypto-backed credit card via Rain, borrow against SOL/USDC/USDT collateral on Solana, no sell/no capital gains, no credit check, 1.2-2% FX + Visa 0.4-1%. NOT available in India, China, Turkey, Israel, Vietnam, Russia, Iran, Cuba, NK. |
| CoinJar Card | CoinJar | 1% CoinJar Points | DISCONTINUED: CoinJar Card programme ended for UK customers as of June 30, 2024. Cards are no longer functional for spending. CoinJar exchange continues to operate in the UK. Previously: UK-only Mastercard debit card from CoinJar UK Ltd (FCA FRN 928767). |
| Trastra Card | Trastra | 0% | Filed for insolvency in May 2025. Service no longer available. |
| Paycent Card | Paycent | FX waiver | Confirmed defunct. Website inaccessible since 2023. Company deadpooled per Tracxn. |
| Monolith Card | Monolith | N/A | Fully shut down Feb 2025. App delisted from stores. Cards issued by Solaris. Served 35K customers, $113M in transactions. Team now building Token.com. Crypto accessible via seed phrases. |
| CEX.IO Card | CEX.IO | N/A | Card issuer Quicko sp. z o.o. lost Polish FSA authorization Jan 21, 2026. Card payments stopped Feb 3, 2026. CEX.IO seeking new card programme partner. |
| Swipe Wallet Card | Swipe | N/A | No longer available. Swipe was acquired by Binance in 2020; technology now powers Binance Card. SXP rebranded to Solar. |
| Binance Card | Binance | N/A | Discontinued December 20, 2023. Strategic decision by Binance. |
| TenX Card | TenX | N/A | Discontinued October 2020. Failed DeFi pivot (MIMO). |
| Shift Card (Coinbase) | Shift Payments | N/A | Discontinued April 11, 2019. Shift Payments shutdown. |
| Swipe Card (Original) | Swipe | N/A | Acquired by Binance June 2020. Different from Swipe Wallet Card. |
| Revolut US Crypto | Revolut | N/A | US crypto features discontinued October 2023. |
| Uquid Debit Card | Uquid | N/A | Legacy debit discontinued. Now prepaid vouchers/gift cards only. |
| MCO Card (Monaco) | Monaco/Crypto.com | N/A | Monaco rebranded to Crypto.com. Legacy product. |
| BitPay Card | BitPay | Up to 15% select merchants | Applications paused since June 2023 (banking partner Metropolitan Commercial Bank exited crypto). No new partner announced. Paused 2.5+ years. Not accepting new applicants. |
| Paybis Card | Paybis | N/A | No active information found. Likely discontinued. |
| BestChange Card | BestChange | N/A | No active information found. Likely discontinued. |
| BlockFi Rewards Credit Card | BlockFi | N/A | Formerly 1.5% BTC back on all purchases, $0 annual fee. BlockFi filed bankruptcy November 2022. Card permanently discontinued. |
| Upgrade Bitcoin Rewards Card | Upgrade | N/A | Formerly 1.5% BTC back on all purchases. Discontinued following crypto winter 2022. |
| Juno Card | Juno Finance | N/A | Banking partner Synapse went bankrupt. All services ceased September 30, 2025. |

---

## Unclear Status (3)

Status could not be confirmed. Use with caution.

| Card | Provider | Notes |
| --- | --- | --- |
| hi Card | hi | World's first NFT-customizable Mastercard. Founded by ex-CMO of Crypto.com and ex-CEO of Bitcoin.com. WARNING: All card rewards REMAIN SUSPENDED as of May 2026 per official hi.com help center notice ('hi is revamping its rewards program and suspending all Debit card rewards until further notice'). Tier system was previously moved from HI staking to accumulated points (breaking change). UK users reported locked stakes with difficulty withdrawing. Help center still describes the card as live for spending at 60M+ Mastercard merchants, but no evidence of active card issuance/marketing in 2026 and no rewards revamp completion announced. Status genuinely unclear: company still operating but card economics dormant. |
| Crypto Diffusion Card | Crypto Diffusion | No online presence found (checked Feb 2026, Apr 2026, May 2026). cryptodiffusion.com domain refuses connections (ECONNREFUSED). Zero search results, zero news, zero reviews. Card almost certainly does not exist as a real product, but kept as 'unclear' pending an explicit discontinuation signal rather than removed. Consider downgrading to 'discontinued' or removing entirely in next deep review if still no signal. |
| Plutus Card | Plutus | WARNING: Plutus itself terminated the Modulr banking relationship (Q1 2026), citing undelivered banking features, not the other way around; customer funds were returned in full. Existing cards were deactivated and GBP/EUR top-ups blocked during the migration. Subscription tiers (£6.99-£19.99/mo) reportedly continued to bill during the outage. New banking partner is undisclosed — company still says relaunch is targeted for 'this summer' (summer 2026), not yet delivered as of July 10, 2026. PlutusLite and PlusMore (RaaS) products also in pipeline. US/UAE launch teased by CEO. As of July 2026, the card is NOT usable for any UK/EEA customers. Verify status before recommending. |

---

## Quick Comparison, Top Cards by Cashback Rate

Cards ranked by maximum achievable cashback rate.

| Card | Max Rate | Cashback Currency | Type | Region | Annual Fee |
| --- | --- | --- | --- | --- | --- |
| Belo Card | 21% | 2-21% | Debit | Argentina | $0 |
| Bleap Card | 20% | USDC | Debit | EEA + Switzerland | $0 |
| Bybit Card | 10% | 2-10% | Debit | EEA/Switzerland/LATAM/Australia | €0 (free physical card, €5 replacement) |
| Oobit Card | 10% | 10% | Debit | Global (most countries, 22 exclusions) | $0 |
| Robinhood Platinum Card | 10% | 1-10% | Credit | US Only | $695/yr |
| DeCard | 10% | (Luminaries) | Credit | Singapore | $0 (Luminaries: $388/yr) |
| WhiteBIT Nova Card | 10% | cap) | Debit | EEA/Ukraine | €0 |
| MEXC Card | 10% | USDT | Debit | APAC + EU/EEA | $0 |
| Bit2Me Card | 9% | B2M | Debit | EEA + Argentina | €0 |
| Satoshi Tango Card | 9% | XAUT | Debit | Argentina | $0 |
| Crypto.com Visa Card | 8% | CRO | Debit | 90+ countries | $0 (subscription $4.99-$29.99/mo) |
| Wirex Card | 8% | WXT | Debit | 150+ countries | €0-€29.99/mo |
| COCA Card | 8% | 1-8% | Debit | 75 countries | $0 |
| Tap Global Card | 8% | 0.5-8% | Debit | UK/EU/EEA | $0 |
| Gate Card | 8% | 8% | Debit | EEA | €0 |
| KuCard | 8% | 1-3% | Debit | EEA + Australia | €9.99 one-time |
| Binance Card (LATAM/Africa) | 8% | BNB | Debit | Brazil/Peru/Colombia/South Africa/Mexico | $0 |
| Tria Card | 6% | USDT | Debit | 150+ countries | $0 (one-time fee) |
| Fasset Card | 6% | XAU₮ | Debit | 125+ countries (UAE/SEA/South Asia focus) | $0 (Classic) |
| BingX Card | 6% | 6% | Debit | Global (excl. US/UK/CA/SG/HK/CN/TH) | $0 |

## No Annual Fee Cards

Active cards with a zero annual fee (no subscription required). Amounts are in
each card's own currency, so a card priced in euro or yen qualifies here too.

| Card | Cashback | Type | Region | Network |
| --- | --- | --- | --- | --- |
| Nexo Card | 0.5-2% NEXO | Debit | EEA/UK/Switzerland/Argentina | Mastercard |
| Gemini Credit Card | 1-4% | Credit | US Only | Mastercard |
| X Money Card | 3% USD | Debit | US (41 states + DC) | Visa |
| Ether.fi Cash | 3% | Credit | US (30 states; 20 excluded)/EU/UK/HK/UAE + more | Visa |
| OKX Card | 2-5% USDG | Debit | EU/Norway/Singapore/Brazil | Mastercard/Visa |
| COCA Card | 1-8% | Debit | 75 countries | Mastercard |
| Bleap Card | 1-20% USDC | Debit | EEA + Switzerland | Mastercard |
| Krak Card | Up to 2% | Debit | UK + EEA | Mastercard |
| Bitget Wallet Card | 2-3% assetback + 10% APY | Debit | EU/UK/LATAM/APAC/Africa | Visa/Mastercard |
| Avalanche Card | 0% | Credit | US (select states)/LATAM/Caribbean | Visa |
| Rain Card | 0% | Debit | 150+ countries (partner-dependent) | Visa / Mastercard |
| Bing Card | 0% | Debit | Global (NOT US) | Visa/Mastercard |
| Phantom Cash Card | 0% (rewards coming later) | Debit | US (excl NY) | Visa |
| Baanx / Ledger CL Card | 1-2% | Debit | US/UK/EU/LATAM/Canada | Visa |
| 1inch Card | Up to 2% | Debit | UK/EEA | Mastercard |
| Exodus Spend Card | 1-3% | Debit | Multiple (NOT new US signups) | Mastercard |
| Solflare Card | 0% | Debit | EEA/UK | Mastercard |
| Bitstack Card | Up to 1% BTC | Debit | 20 EU countries | Visa |
| CoinZoom Card | 0.5-5% ZOOM | Debit | 150+ countries (NOT EU residents) | Visa |
| Tap Global Card | 0.5-8% | Debit | UK/EU/EEA | Mastercard |
| Exa Card | 0% | Credit | 160+ countries (NOT UK/Europe) | Visa |
| Amp Black Card | 0% (promo expired) | Debit | Global | Visa |
| Rebind Card | 0% (yield not cashback) | Debit | Europe | Visa |
| Venmo Credit Card | 1-3% | Credit | US Only | Visa |
| Jupiter Global Card | 2-4% USDC | Credit | Global | Visa |
| Wayex Card | 0% | Debit | 160+ countries (28 for card) | Visa |
| Oobit Card | Up to 10% | Debit | Global (most countries, 22 exclusions) | Visa |
| Lemon Card | 0.1-2% BTC | Debit | Argentina/Peru | Visa |
| Belo Card | 2-21% | Debit | Argentina | Mastercard |
| Ripio Card | 0.5-2% | Debit | LATAM + US + Spain (8 countries) | Visa |
| Coinbase Debit Card | Up to 4% | Debit | US (excl. HI) | Visa |
| Crypto.com US Credit Card | 1.5-6.5% CRO | Credit | US (49 states, excl. NY) | Visa |
| Shakepay Card | 1-1.5% BTC | Debit | Canada Only | Visa |
| SafePal Card | 0% (2-3% travel promos only) | Debit | Global (NOT US) | Visa/Mastercard |
| Tuyo Card | TUYO Points | Debit | US + LATAM | Visa |
| Bitsika Card | 0% | Debit | Africa (10+ countries) | Visa |
| SolCard | 0% | Debit | Global (150M+ merchants) | Visa/Mastercard |
| SwissBorg Card | Up to 90-99% fees in BORG | Debit | 30 countries (EEA/Switzerland) | Mastercard |
| Trustee Plus Card | 0% | Debit | EEA | Visa |
| Pionex Card | 0.1-1% USDT | Debit | Global (NOT US/China) | Visa/Mastercard |
| Fuse Card | 0% | Debit | US (excl. NY, AK, FL, LA) + Argentina | Visa |
| WhiteBIT Nova Card | 1-10% (€25/mo cap) | Debit | EEA/Ukraine | Visa |
| Gate Card | Up to 8% | Debit | EEA | Visa |
| Kolo Card | 1% BTC + 2% welcome | Debit | 60+ countries | Visa |
| Trade Republic Card | 1% EUR saveback | Debit | EU/EEA | Visa |
| xPortal Card | 0.1-0.5% (capped) | Debit | EEA | Mastercard |
| Rizon Card | 0-5% by tier | Debit | 122+ countries (US/LATAM focus) | Visa |
| Payy Card | 0% | Debit | Global | Visa |
| Fold Credit Card | 1.5-4% BTC | Credit | US | Visa |
| Bit2Me Card | 0.25-9% B2M | Debit | EEA + Argentina | Mastercard |
| BloFin Card | SEPA promo only | Debit | EEA | Mastercard |
| UPay Card | None | Debit | 168 countries | Visa/Mastercard |
| Zoomex Card | 0% (promo ended) | Debit | 50+ countries | Mastercard |
| Zro Bank Card | 0.5% BTC | Debit | Brazil Only | Visa |
| Aven Bitcoin Visa Card | 2% USD | Credit | US | Visa |
| Bitbank EPOS CRYPTO Card | 0.5% BTC/ETH/ASTR | Credit | Japan | Visa |
| MEXC Card | 4-10% USDT | Debit | APAC + EU/EEA | Visa/Mastercard |
| Pera Card | 2% USDC | Debit | UK/EU/NZ | Mastercard |
| MoonAgents Card | 0% | Debit | UK/LATAM | Mastercard |
| Foxbit Card | 0.5-1% crypto | Debit | Brazil | Mastercard |
| Bipa Card | 0.5-1% BTC | Credit | Brazil | Mastercard |
| Binance Card (LATAM/Africa) | 0.1-8% BNB | Debit | Brazil/Peru/Colombia/South Africa/Mexico | Mastercard |
| Kredete Card | 0% | Credit | Africa (50+ countries) | Visa |
| Wenia Card | 0% | Debit | Colombia | Mastercard |
| LuqasCard | 0% | Debit | Venezuela | Mastercard |
| BenPay Card | 0% | Debit | Global (200+ countries) | Visa |
| Littio Card | 0% (yield not cashback) | Debit | Colombia | Mastercard |
| GoMining Card | 1-4% TH/s | Debit | 130+ countries (excl. sanctioned) | Visa |
| Satoshi Tango Card | 2-9% XAUT | Debit | Argentina | Visa |
| Tevau Card | Points (Lucky Box) | Debit | Asia-Pacific/MENA | Visa |
| Lava Card | 1-5% BTC | Credit | Global (US focus) | Visa |
| Young Platform Card | 0.1-3.6% YNG | Debit | EU | Visa |
| Blockchain.com Card | 1% Crypto | Debit | US | Visa |
| dtcpay Digital Treasures Card | 0% | Debit | Singapore (Global acceptance) | Visa |
| UTORG Card | 0% | Debit | EEA/Ukraine | Visa |
| MiniPay Card | Cashback in USDT/USDC/XAUt | Debit | Africa/EEA/LATAM/SEA (46 countries) | Visa |
| BingX Card | Up to 6% | Debit | Global (excl. US/UK/CA/SG/HK/CN/TH) | Visa |
| Buenbit Card | 1-5% crypto | Debit | Argentina/Peru | Mastercard |
| Laso Finance Card | None | Debit | Global (~189 countries, incl. US) | Visa/Mastercard |
| MaxSwap Virtual Card | None | Debit | Global (excl. sanctioned states; US unconfirmed) | Mastercard |
| Pinto Pay | None | Debit | Global (NOT US) | Visa/Mastercard |
| PayFun Card | None | Debit | Not disclosed | Visa |
| Spritz Card | 0% base (5% travel & dining, promotional) | Debit | 31 countries | Visa |
| KOSH Global Card | Promos only (5% hotels) | Credit | Select jurisdictions (Asia-focused) | Visa |
| Stack Card | 1.5% USD | Debit | 35+ countries (MENA focus) | Visa |

## US-Available Cards

Cards available to residents of the United States.

| Card | Cashback | Type | Fee | Network |
| --- | --- | --- | --- | --- |
| X Money Card | 3% USD | Debit | $0 | Visa |
| Ether.fi Cash | 3% | Credit | $0 | Visa |
| Robinhood Gold Card | 3% all + 5% travel | Credit | $50/yr or $5/mo (Gold membership) | Visa |
| Coinbase One (Amex) | 2-4% BTC | Credit | $49.99-$2,999.99/yr | Amex |
| Uphold Card | 1-4% XRP/GBP | Debit | $0-$99.99/yr | Visa/Mastercard |
| Aven Bitcoin Visa Card | 2% USD | Credit | $0 | Visa |
| Crypto.com US Credit Card | 1.5-6.5% CRO | Credit | $0 | Visa |
| Fold Credit Card | 1.5-4% BTC | Credit | $0 | Visa |
| Gemini Credit Card | 1-4% | Credit | $0 | Mastercard |
| MetaMask Card | 1-3% mUSD | Debit | $0-$199/yr | Mastercard |
| Baanx / Ledger CL Card | 1-2% | Debit | $0 | Visa |
| Solayer Emerald Card | 1% + Points | Debit | $10-$75 one-time | Visa |
| Venmo Credit Card | 1-3% | Credit | $0 | Visa |
| Coinbase Debit Card | Up to 4% | Debit | $0 | Visa |
| Robinhood Platinum Card | 1-10% | Credit | $695/yr | Visa |
| Lava Card | 1-5% BTC | Credit | $0 | Visa |
| Blockchain.com Card | 1% Crypto | Debit | $0 | Visa |
| Ripio Card | 0.5-2% | Debit | $0 | Visa |
| Tangem Pay | 0% | Debit | $0 (wallet $69.90) | Visa |
| Avalanche Card | 0% | Credit | $0 | Visa |
| Fold Card | 0.5-1.5% BTC | Debit | $0-$100/yr | Visa |
| Phantom Cash Card | 0% (rewards coming later) | Debit | $0 | Visa |
| Tuyo Card | TUYO Points | Debit | $0 | Visa |
| Fuse Card | 0% | Debit | $0 | Visa |
| Rizon Card | 0-5% by tier | Debit | $0 | Visa |
| Trocador Prepaid Cards | None | Aggregator | $0 (about $2.50/month per card from month 3 on international Mastercard) | Visa/Mastercard |
| Laso Finance Card | None | Debit | $0 | Visa/Mastercard |
| Spritz Card | 0% base (5% travel & dining, promotional) | Debit | $0 | Visa |

## Europe-Available Cards

Cards available in EU, EEA, and/or UK.

| Card | Cashback | Type | Fee | Network |
| --- | --- | --- | --- | --- |
| WhiteBIT Nova Card | 1-10% (€25/mo cap) | Debit | €0 | Visa |
| BingX Card | Up to 6% | Debit | $0 | Visa |
| MEXC Card | 4-10% USDT | Debit | $0 | Visa/Mastercard |
| Ether.fi Cash | 3% | Credit | $0 | Visa |
| Uphold Card | 1-4% XRP/GBP | Debit | $0-$99.99/yr | Visa/Mastercard |
| Bybit Card | 2-10% | Debit | €0 (free physical card, €5 replacement) | Mastercard |
| OKX Card | 2-5% USDG | Debit | $0 | Mastercard/Visa |
| Bitget Wallet Card | 2-3% assetback + 10% APY | Debit | $0 | Visa/Mastercard |
| 1inch Card | Up to 2% | Debit | $0 | Mastercard |
| E Money Card | 2% crypto | Credit | $99 one-time | Mastercard |
| Jupiter Global Card | 2-4% USDC | Credit | $0 | Visa |
| Plasma One Card | 2-10% XPL | Debit | $0-$199/yr or XPL lock | Visa |
| Pera Card | 2% USDC | Debit | $0 | Mastercard |
| Fasset Card | 2-6% XAU₮ | Debit | $0 (Classic) | Visa |
| KAST Card | 1.5-3% USD (+ KAST Points) | Debit | $0-$10,000/yr | Visa |
| Tria Card | 1.5-6% USDT | Debit | $0 (one-time fee) | Visa |
| Pengu Card | 1.5-3% USD | Debit | $0-$10,000/yr | Visa |
| MetaMask Card | 1-3% mUSD | Debit | $0-$199/yr | Mastercard |
| Bleap Card | 1-20% USDC | Debit | $0 | Mastercard |
| Gnosis Pay | 1-5% GNO | Debit | €30 one-time | Visa |
| Curve Card | 1% at select retailers (fiat only) | Aggregator | £0-€179.90 | Mastercard |
| Bitpanda Card | 1% (in crypto used) | Debit | €9.90 one-time | Visa |
| Baanx / Ledger CL Card | 1-2% | Debit | $0 | Visa |
| Bitstack Card | Up to 1% BTC | Debit | $0 | Visa |
| Solayer Emerald Card | 1% + Points | Debit | $10-$75 one-time | Visa |
| XPlace Card | 1-4% USDC + XP | Credit | $0-$999/yr | Visa |
| Gate Card | Up to 8% | Debit | €0 | Visa |
| KuCard | 1-3% | Debit | €9.99 one-time | Visa/Mastercard |
| Kolo Card | 1% BTC + 2% welcome | Debit | $0 | Visa |
| Trade Republic Card | 1% EUR saveback | Debit | €0 | Visa |
| GoMining Card | 1-4% TH/s | Debit | $0 | Visa |
| Lava Card | 1-5% BTC | Credit | $0 | Visa |
| Nexo Card | 0.5-2% NEXO | Debit | $0 | Mastercard |
| Wirex Card | 0.5-8% WXT | Debit | €0-€29.99/mo | Visa/Mastercard |
| Holyheld Card | 0.5-1% USDC | Debit | €29-€199 one-time | Mastercard |
| Tap Global Card | 0.5-8% | Debit | $0 | Mastercard |
| Ready Card | 0.5-3% STRK | Debit | $0-$120/yr | Mastercard |
| Brighty Card | 0.5-1.75% | Debit | $0 (paid plans available) | Visa |
| Bit2Me Card | 0.25-9% B2M | Debit | €0 | Mastercard |
| Xapo Card | 0.2-1% BTC | Debit | $1,000/yr | Visa / Mastercard |
| Pionex Card | 0.1-1% USDT | Debit | $0 | Visa/Mastercard |
| xPortal Card | 0.1-0.5% (capped) | Debit | €0 | Mastercard |
| Young Platform Card | 0.1-3.6% YNG | Debit | $0 | Visa |
| SwissBorg Card | Up to 90-99% fees in BORG | Debit | $0 | Mastercard |
| Crypto.com Visa Card | 0-8% CRO | Debit | $0 (subscription $4.99-$29.99/mo) | Visa |
| Revolut Crypto Card | 0-1% on crypto spend | Debit | $0-$16.99/mo | Mastercard |
| RedotPay | 0% | Debit | $10 virtual / $100 physical | Visa |
| Tangem Pay | 0% | Debit | $0 (wallet $69.90) | Visa |
| Krak Card | Up to 2% | Debit | $0 | Mastercard |
| Rain Card | 0% | Debit | $0 | Visa / Mastercard |
| Bitsa Card | 0% | Debit | €20 physical | Visa |
| xKard | 0% | Debit | $0 (subscription $9-$49/mo) | Visa |
| Bitwala Card | 0% | Debit | 1% trading | Visa |
| Bing Card | 0% | Debit | $0 | Visa/Mastercard |
| SpectroCoin Card | 0% | Debit | €1/mo (€12/yr) | Visa |
| Solflare Card | 0% | Debit | $0 | Mastercard |
| Amp Black Card | 0% (promo expired) | Debit | $0 | Visa |
| Rebind Card | 0% (yield not cashback) | Debit | $0 | Visa |
| THORWallet Mastercard | TITN staking rewards | Debit | $0 (one-time ETH fee) | Mastercard |
| OffGrid Cash | 0% | Debit | $49-$299/yr (mandatory tier subscription) | Visa |
| Wayex Card | 0% | Debit | $0 | Visa |
| Oobit Card | Up to 10% | Debit | $0 | Visa |
| Floki Card | 0% | Debit | €10-€32 one-time | Mastercard |
| SafePal Card | 0% (2-3% travel promos only) | Debit | $0 | Visa/Mastercard |
| CoinW Card | 0% | Debit | Variable | Visa/Mastercard |
| Cryptomus Card | 0% | Debit | $4 issuance + 3.2% top-up | Visa/Mastercard |
| Tuyo Card | TUYO Points | Debit | $0 | Visa |
| SolCard | 0% | Debit | $0 | Visa/Mastercard |
| Mercuryo Spend Card | 0% | Debit | $0 (€1/mo inactivity) | Mastercard |
| Trustee Plus Card | 0% | Debit | $0 | Visa |
| Zypto Card | ZYP token rewards | Debit | $0/mo, $0.30/tx | Visa/Mastercard |
| Rizon Card | 0-5% by tier | Debit | $0 | Visa |
| DeBLOCK Card | 0-1% | Debit | €0-€14.99/mo | Visa |
| Payy Card | 0% | Debit | $0 | Visa |
| BloFin Card | SEPA promo only | Debit | $0 | Mastercard |
| UPay Card | None | Debit | $0 | Visa/Mastercard |
| MoonAgents Card | 0% | Debit | $0 | Mastercard |
| BYDFi Card | 0% | Debit | $12/yr | Visa |
| BenPay Card | 0% | Debit | $0 | Visa |
| Tevau Card | Points (Lucky Box) | Debit | $0 | Visa |
| dtcpay Digital Treasures Card | 0% | Debit | $0 | Visa |
| UTORG Card | 0% | Debit | €0 | Visa |
| MiniPay Card | Cashback in USDT/USDC/XAUt | Debit | $0 | Visa |
| DPT Card | 0% | Debit | $0-$10,000/yr | Visa |
| Trocador Prepaid Cards | None | Aggregator | $0 (about $2.50/month per card from month 3 on international Mastercard) | Visa/Mastercard |
| Laso Finance Card | None | Debit | $0 | Visa/Mastercard |
| MaxSwap Virtual Card | None | Debit | $0 | Mastercard |
| Kardpay | None published | Debit | $0 (one-time $28 card fee) | Mastercard |
| Pinto Pay | None | Debit | $0 | Visa/Mastercard |
| Goblin Card | None | Debit | $0 ($350 one-time card fee) | Mastercard |
| Freedomia Card | None | Debit | $60/yr ($5/mo Founder tier) | Visa |
| Agora Card | None | Debit | $0 ($90 virtual or $500 physical, one-time) | Unknown |
| Spritz Card | 0% base (5% travel & dining, promotional) | Debit | $0 | Visa |
| Keytom Card | None | Debit | $10/mo (per card; $20/mo with both virtual and physical active) | Visa |

---

## Guides & Resources

### Crypto Card Buyer's Guide
**URL:** https://cardpilled.com/blog/buyers-guide
Complete guide to choosing a crypto card. Covers card types (debit vs credit), fee structures (annual, monthly, issuance, FX), cashback reward tiers and staking requirements, custodial vs non-custodial options, security considerations, and tax implications of crypto cashback rewards.

### KYC vs Non-KYC Crypto Cards
**URL:** https://cardpilled.com/blog/kyc-vs-non-kyc
Explains the differences between identity-verified and anonymous crypto cards. Covers the regulatory reality (most "no KYC" cards eventually add verification), shutdown patterns, consumer protections that come with KYC, and why KYC cards are generally the safer choice for most users.

### Best Crypto Cards for Americans (2026)
**URL:** https://cardpilled.com/guides/best-crypto-cards-us-2026
Data-driven ranking of the top crypto debit and credit cards available to US residents. Includes tax implications of crypto cashback, state-by-state restrictions, and a decision guide based on spending patterns.

### Best Crypto Cards in Europe (2026)
**URL:** https://cardpilled.com/guides/best-crypto-cards-europe-2026
Comparison of crypto cards available in the EU and EEA. Covers MiCA regulation impact, custodial vs non-custodial European options, multi-currency considerations, and regional tax differences.

### Best Crypto Cards in the UK (2026)
**URL:** https://cardpilled.com/guides/best-crypto-cards-uk-2026
UK-focused guide covering FCA financial-promotions obligations and the banking-partner dependency that affects card availability. Explains the FSCS gap (crypto balances are not FSCS-protected; e-money safeguarding applies instead). Covers HMRC Capital Gains Tax treatment with the 3,000 GBP Annual Exempt Amount, 18%/24% rates for 2026/27, and the Cryptoasset Reporting Framework (CARF) data-sharing regime taking effect from 2027.

### Best Crypto Debit Cards (2026)
**URL:** https://cardpilled.com/guides/best-crypto-debit-cards
Ranking of every active crypto debit card by base cashback rate. Explains how debit cards work (pre-funded, point-of-sale conversion, taxable disposals), the gap between headline and realistic rates (reward caps, staking and lockup tiers, exchange VIP levels, funding-asset restrictions), fee traps (conversion, FX, inactivity), and custodial vs self-custody trade-offs.

### Best Crypto Credit Cards (2026)
**URL:** https://cardpilled.com/guides/best-crypto-credit-cards
Comparison of all crypto credit cards split by mechanism: true unsecured credit cards with crypto rewards (mostly US), collateral-backed cards that lend against deposited crypto (global, liquidation risk), and regional bank-issued cards (Japan, Singapore, Brazil, Argentina, Africa). Covers credit checks, credit building, membership math, and reward tax treatment.

### Buying Crypto With a Credit or Debit Card (2026)
**URL:** https://cardpilled.com/guides/buy-crypto-with-card
Explains how buying crypto with a card works: exchange processing fees (typically 2-4%), spread, issuer blocks and cash-advance treatment on credit cards, cheaper funding alternatives (ACH, SEPA, Faster Payments), and exchange-issued cards that let one account buy, hold, and spend crypto.

### Agentic Crypto Cards
**URL:** https://cardpilled.com/guides/agentic-crypto-cards
Explains what an agentic card is (a virtual card an AI agent can spend with under human-set spend caps, merchant scoping, single-use credentials and approval steps) and separates real products from infrastructure. Covers the one consumer option (MoonPay MoonAgents, virtual Mastercard debit funded with USDC on Solana, UK and Latin America), the business-only programs (Oobit Agent Cards on a USDT treasury, KYB required; Rain's Agent Control Layer), the rails that are not cards (Visa Intelligent Commerce, Mastercard Agent Pay, x402, Crossmint's Lobster.cash), fiat agent cards excluded from our listings, and independent CoinDesk data showing agent-payment volume is still negligible.

### Crypto Cards With an IBAN
**URL:** https://cardpilled.com/guides/crypto-cards-with-iban
Which crypto cards give you a personal IBAN, whether it accepts third-party payments or outbound SEPA, and who actually issues each card. Verified from official terms and regulator registers.

### Compare Cards Tool
**URL:** https://cardpilled.com/compare
Side-by-side comparison tool for up to 5 crypto cards. Compare cashback rates, fees, regional availability, KYC requirements, tags, and notes. Tiered cards are priced at their base tier by default rather than the advertised headline rate, and every tier of every card is selectable, so the comparison reflects a rate the reader could actually qualify for. Computed verdicts name the best cashback, lowest annual fee, widest availability, and easiest KYC across the selected cards. Shareable via URL, including the chosen tiers.

### Card Finder Quiz
**URL:** https://cardpilled.com/quiz
Interactive 8-question quiz that matches your location, spending habits, and preferences to recommend the best-fit crypto card from our database.

### ROI Calculator
**URL:** https://cardpilled.com/roi-calculator
Ranks 88 rewards-earning crypto cards by net annual value at your monthly spend. Every cashback tier of every card is priced in place, and each card is automatically priced at the best tier affordable under your chosen budget for lockups or subscriptions (free, $500, $5,000, or unlimited). Net value subtracts the annual fee, the tier subscription cost, and a 1.5% crypto-to-fiat conversion estimate. Estimates are conservative: monthly spending caps and cashback caps are applied, and rewards paid in points or volatile tokens are counted at 50% of face value. Token lockups are not subtracted as a cost because the capital is still yours, only illiquid. Includes pre-computed rankings at $500, $1,000, $2,000, and $5,000 per month for both a free budget and a $5,000 budget.

---

## Frequently Asked Questions

**What is a crypto card?**
A crypto debit or credit card lets you spend cryptocurrency or earn crypto rewards on everyday purchases. Debit cards convert your crypto to fiat at the point of sale. Credit cards work like traditional credit cards but pay cashback in cryptocurrency.

**How does crypto cashback work?**
When you make a purchase, you earn a percentage back in cryptocurrency (BTC, ETH, CRO, etc.). The rate depends on the card and your tier level, which is often determined by how much of the provider's native token you stake or lock up.

**Do I need KYC for a crypto card?**
Most legitimate crypto cards require full KYC (Know Your Customer) identity verification. Cards that claim "no KYC" often add verification requirements later or operate in regulatory grey areas.

**Are crypto cashback rewards taxable?**
In most jurisdictions, crypto cashback on purchases is treated as a discount or rebate, not as income. However, tax treatment varies by country. Consult a tax professional for your specific situation.

**What's the best crypto card for the US?**
For US residents, top options include the Gemini Credit Card (1-4% cashback, no annual fee, true credit card), Coinbase One Amex (2-4% BTC), and the Rain Visa (1.5% BTC, no annual fee). See our full US guide at https://cardpilled.com/guides/best-crypto-cards-us-2026.

**What's the best crypto card in Europe?**
For European residents, top options include the Nexo Card (0.5-2% NEXO, EEA/UK), Crypto.com Visa (0-8% CRO, global excl. US), and Wirex (0.5-8% WXT, 150+ countries). See our full Europe guide at https://cardpilled.com/guides/best-crypto-cards-europe-2026.

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*Generated automatically from https://cardpilled.com card database. Data is verified weekly against provider websites. For the most current information, visit the individual card pages on our site.*