WEEKLY WRAP · 2026-09-15

September 8–14, 2026

Reviewed by Card Pilled Editorial · Published 2026-09-15 · Last verified 2026-09-15

TL;DR · This Week

6 quick hits · market context · 53 cards updated

LAUNCH

Nu Pays 3.50% on a USDC Balance You Can Spend. The Guarantee Behind It Is Not FDIC.

Nu, Nubank's US-chartered entity, opened American operations between September 10 and 13, and the piece worth your attention is the Nu Global account. Deposits convert into Circle-issued USDC at 3.50% APY or EURC at 2.20% APY, and a virtual Mastercard spends that balance at what Nu calls competitive exchange rates with no markup of its own on top. Then read the small print, because two sentences do a lot of work. Nu has not disclosed where the yield comes from. And the protection behind your balance is a Swiss bank default guarantee, not FDIC insurance, which are different products with different failure modes and only one of them is the thing Americans think they are getting from a bank. The card's launch focus is Europe to LatAm corridors, and US card availability has no firm date. We have not opened an entry for it, and the reason is specific rather than cautious: there is no published fee schedule, no stated KYC terms and no confirmed country list, so three of the four fields we would compare it on do not exist yet. It gets an entry the week those pages appear. Our read: 3.50% on a dollar balance you can spend directly beats most of the cashback ladders we track, once you account for the fact that nobody caps your yield at $25 a month. The undisclosed yield source is the sentence we want filled in before anyone treats it as a savings account.

Source: crypto.news

LAUNCH

MoneyGram Launched a Stablecoin Visa in Colombia. There Is No Cashback, and That Is the Design.

This one went into the database on September 13, three days after launch. A USDC balance lives in the MoneyGram app and spends at Visa merchants, or you walk into an agent location and take it out as cash, which is a thing no crypto-native card on our list can do. It is built with Rain on Crossmint wallets and settles over Stellar. No monthly fee, no annual fee, no purchase fee at launch; there is an inactivity fee after three or more months and MoneyGram does not publish the amount. Cashback programme: none, not a token 0.5%, nothing. Digital only for now, with a physical card and a wider LATAM rollout stated for late 2026 and no country list attached. Two things we will say plainly about our own entry. First, moneygram.com/mgo/co/en/card serves the generic US money-transfer homepage when you read it from outside Colombia, and moneygram.com/card is a 404, so the fee wording rests on launch coverage quoting MoneyGram's product page rather than a first-party read, and the entry says so in the note instead of pretending otherwise. Second, Rain. On August 28 an outdated version of a Rain collateral contract was drained of roughly $1.1 million across Avici, Tria and at least one programme nobody has named. Rain said at the time that every programme on that contract version had been upgraded and that it had seen no further unauthorised activity since, which is what we reported on September 1 and is the most recent thing Rain has said about it. That is probably fine and it is also now the plumbing under a MoneyGram card, which is the sort of thing worth knowing before you park a balance on one.

Source: The Block MoneyGram Card → Rain Card → Avici Card →

RATES

We Published Bitunix at 1% to 8%. Its Own Page Pays Nothing Below VIP 3.

On August 11 we made Bitunix's card a hero item off the launch announcement, wrote that its 1% to 8% VIP ladder capped at 1,000 USDT a month was a real number by comparison with Bybit, and held the entry back until we could confirm regional availability and the network from the official help centre. We were right to hold it and wrong about which field would break. The entry went in on September 8, and the official rate table is not the circulated one. Every secondary source republishes 1/2/2/4/4/6/6/8% across VIP 1 to VIP 8. Bitunix's own VIP page pays nothing at all through VIP 2, then 1% at VIP 3, 2% at VIP 4 and 5, 4% at VIP 6 and 7, and 8% only at VIP 8. There is no 6% band anywhere. VIP 3, the first level that pays a cent, wants any one of 25,000 USDT in assets, 800,000 USDT of 30-day spot volume, or 8,000,000 USDT of 30-day futures volume. VIP 8 has no asset-balance route at all: it is 100,000,000 USDT of 30-day spot volume or 500,000,000 USDT of futures, which is not a tier a card user reaches, it is a tier a trading desk reaches. Two more things we did not know in August. Your VIP level is recomputed daily at 00:00 UTC from trailing 30-day volumes and your current balance, so the rate is not stable from one month to the next. And the card can only be funded by internal transfer from a Bitunix Spot, Futures or Earn account, so no bank transfer and no on-chain deposit. Our read: a published floor of 1% against a real floor of 0% is the most misleading shape a cashback table can take, because a skimming reader converts it into "worst case, 1%" and the worst case is actually nothing. The August 11 wrap still carries the old figure and we are not quietly editing a dated page; this is the correction, in the same place we make every other one.

Source: Card Pilled Bitunix Card →

SHUTDOWN

Three Cards Are Marked Active in Our Database and Cannot Be Used Today

Two of these came out of the September 11 rotating check, which went through 50 cards, and the third out of the regional sweep two days later. None of the three findings is a rate. WhiteBIT's Nova EUR Card has been suspended since June 30, pending the launch of WhiteBIT Europe. The cards sit in accounts and no transaction goes through, with WhiteBIT pointing users at the Nova USD Card in the meantime. Pera Card is not obtainable either: perawallet.app/pera-card now serves a waitlist page with no rate, no fee schedule and no country list, while our entry still carries 2% in USDC. And in Brazil, onilx.com.br's card page returns a 404 while the site's own homepage keeps linking to it, with Livecoins reporting on September 9 that OnilX has ceased operating, citing more than 470 Reclame Aqui complaints, missed withdrawal deadlines, staff departures and closed offices. All three are still marked active. Here is why, including the part that does not flatter us. Our rules require multiple independent sources before we mark a card discontinued, and OnilX has one columnist and no statement from the company, so it stays put and the note now tells you to treat the card as unobtainable in practice. WhiteBIT and Pera are not discontinued at all, they are suspended and withdrawn, which is genuinely a different state. The honest label for all three is unclear rather than active, and switching them touches the section headers our validator counts, the pre-render and the redirect logic for dead cards, so an unattended routine flagged it for a person instead of reorganising the file at 2am. Our read: "active" in any comparison database, ours very much included, does not mean somebody checked that you can get one. It means nobody has proved it is dead. Read the note, not the badge.

Source: Livecoins WhiteBIT Nova Card → Pera Card → OnilX Crypto Card →

LAUNCH

Kite Pays 5% on Your Claude and ChatGPT Bills, 0% on Everything Else, Until November 30

Kite went in on September 10: a virtual USD Visa funded from a non-custodial USDC or USDT balance, live in nine APAC countries (Australia, Japan, Malaysia, the Philippines, Singapore, South Korea, Taiwan, Thailand, Vietnam), with the US a prohibited jurisdiction and the wallet reaching about 40 more markets that get no card. No issuance, maintenance or replacement fee, 0.53% to move stablecoins onto the card, 0% on USD spend and 1.8% on everything else. Now the rate, which is the unusual part. Kite has no general cashback whatsoever. Every published rate is one of five 5% category offers, all dated to 30 November 2026: AI subscriptions (ChatGPT Plus, Claude Pro or Max, Perplexity Pro, Midjourney, Cursor Pro, Gemini Advanced), streaming, creator tools, Starlink bills, and travel booked through Travala. Once per platform per person per month. If you pay for three AI subscriptions on a card that costs nothing to hold, that is a decent eleven weeks and a 0% card in December. Kite also forced a fix we should have made months ago. Promotional rates were previously written as prose in three inconsistent shapes across seven cards, which is exactly how Zoomex's promo lapsed with nobody noticing and had to be hand-patched after the fact. Any cashback tier can now carry a dated promotional flag, and the badge relabels itself from "Promo, ends 30 Nov 2026" to "Promo ended" on the day, in the React page, the pre-rendered HTML and the markdown version, all from one function so the three cannot drift apart. Satoshi Tango and Spritz were retrofitted as promotional. Tria, SafePal, Wallib and BingX were checked and their rates are the standing ones. Separately, four bugs in the ROI calculator's tier parser were mispricing five cards, and one was wrong in the direction that actually costs a reader money: HashKey's card was published at minus $3,120 a year, on a $3,600 subscription fee it does not charge, because the parser read "capped at HK$300/mo" as a monthly cost rather than a rebate ceiling. It now reads plus $456. KAST's effective rate was being halved because a "(+ KAST Points)" clause tripped a non-cash-reward test on a rate that pays in USD stablecoin.

Source: Card Pilled Kite Card → HashKey Credit Card → KAST Card → Spritz Card → Satoshi Tango Card → Zoomex Card →

Quick Hits

  1. Eight cards joined on September 8, in the first discovery run with working page fetches since this project's network policy was opened up on September 4. Every run from August 8 onward had been egress-blocked and could only produce search snippets, which is why candidates had been stuck in the backlog for a month. Bringin is a Visa debit across 30 EEA countries, funded by on-chain or Lightning bitcoin into a EUR IBAN, no cashback, EUR 37.69 a year, 0% FX. Fiat24 is a virtual Mastercard on a Swiss IBAN whose account number is an NFT you mint, with the digit length setting your tier, recorded active with a caveat that Fiat24's own docs say it is not currently accepting new individual clients. Based Card's cashback is a staking ladder rather than a spend ladder: 2% at 10,000 staked BASED, 4% at 100,000. Kem Infinity pays its 2% to 5% in Tether Gold, so the rebate carries gold-price exposure rather than being a cash rebate. Wallbit is a US-issued Visa Platinum on a LATAM-focused dollar account. Kripicard and PEXX both went in with warnings: Kripicard's balances become custodial with unnamed partners once loaded and an independent review records a February 2026 incident where partners locked customer balances, while PEXX's own two pages contradict each other on fees (0.6% platform plus 1.2% FX on the card page, a flat 2.6% with no FX markup on the pricing page, figures that do not reconcile), so we recorded the range instead of picking a side. source Bringin Card → Fiat24 Debit Card → Based Card → Kem Infinity Card → Wallbit Card → Kripicard → PEXX Card → Bitunix Card →
  2. September 9 was the date we told you we would look at, so we looked. BitMart did not publish the restructuring roadmap it promised after the July 26 wind-down announcement. It appointed Alvarez & Marsal as financial adviser instead, committed to opening a user feedback portal within five working days, and said a further update would come in about three weeks. The card stays discontinued. On September 1 we wrote that a company which has appointed restructuring counsel and committed to nothing is running a legal process rather than announcing a product. A second adviser and a third deadline is not the evidence that would change that. source BitMart Card
  3. Three Japanese entries were corrected this week and one of them moves a card to a different guide entirely. Slash Card is a credit card, not a debit card: slash.vision describes it as a USDC-collateral-type Visa, meaning the USDC is posted as collateral rather than drawn down at the till, which is secured-credit structure and consistent with Orico, a consumer credit company, sitting behind it as BIN sponsor. We had it filed as debit since July. Bitbank's EPOS card pays its 0.5% in Bitcoin, Ethereum or XRP, not ASTR, settled after five automated reads of the same Epos page disagreed with each other and the only three-asset list matching the page's own three-selectable-assets heading was BTC, ETH and XRP. Binance Japan's network field is back to JCB after an August edit replaced it with "Life Card", which is the issuing company and not a payment network. Zaif's card also joined on September 13, a JCB credit card issued by Life Card paying 0.8% generally and 1.2% on Zaif-platform payments in BTC, ETH or XYM on a two-month lag, free the first year then 1,650 yen. It is absent from every English-language comparison we sweep, and running on JCB rather than Visa or Mastercard is the whole reason. source Slash Card → Bitbank EPOS CRYPTO Card → Binance Japan Card → Zaif Card →
  4. Two of our own regional notes were wrong in ways that changed the answer. Binance's Venezuela card campaign runs from August 24 to September 24, not to September 12, so our note described a live campaign as finished. From the same source: the cashback is banded rather than a flat up-to-3% (1.5% below USD 100 of monthly spend, 2% from 100 to 1,000, 3% above 1,000, capped at USD 100 a month), and the signup bonus is 3 USDC after a first purchase over USD 10 plus 2 USDC after four purchases totalling USD 50 within 30 days. Separately, Bit2Me's card is EEA only. Bit2Me's own residence article requires a registered EEA tax residence and lists 29 countries with no Argentina, which resolves a contradiction our entry had been carrying against its own banking note. Stale search snippets still surface an Argentina-flavoured title for that same article, so the note now warns the next reader to fetch it directly. source Binance Card (LATAM/Africa) → Bit2Me Card →
  5. A detail we did not have when we covered the Rain exploit: Jupiter's card partner briefly paused withdrawals on September 8 as a precaution over the same outdated-contract vulnerability, confirmed no Jupiter user funds were at risk, and restored normal service. Nothing on the entry changes. It is worth a line anyway, because a precautionary pause is what the well-run version of this looks like from the outside, and it is indistinguishable from the badly-run version for the first few hours. source Jupiter Global Card →
  6. Circle agreed on September 8 to buy Tazapay for $400 million, a Singapore cross-border B2B payments firm holding money-transmitter licences in Singapore, India, Hong Kong and the US, to push USDC settlement further into APAC and emerging markets. The deal is expected to close in 2027 pending MAS approval. Tazapay is infrastructure rather than a card issuer and none of the cards we track names it as a partner, so nothing in our database moves today. We are noting it for the same reason we noted the twenty-one-bank stablecoin consortium last week: every card here settles on somebody else's rails, and the ownership of those rails is changing hands faster than any card's terms are. source

Market Context

Three stablecoin card stories this week and not one came from a crypto company. Nubank's US entity put a virtual Mastercard on a USDC balance paying 3.50%. MoneyGram put a Visa on a USDC balance in Colombia and let you walk into an agent location to take the cash out. Circle agreed to pay $400 million for a Singapore payments firm so USDC settles natively across APAC. Now notice what none of those three sells: a cashback rate. Nu pays yield on the balance instead. MoneyGram pays nothing and sells the cash-pickup leg. Circle is not selling a card at all, it is selling the floor everyone else's card stands on. Our read: the cashback ladder is a crypto-native product habit, and it is not the part the incumbents are copying. They are copying the spendable dollar balance and the absent FX markup, which are the two features people actually use. If you have been ranking these cards by headline rate, the interesting entrants over the next year may not have a rate to rank. Which makes our own findings this week read differently. The Bitunix ladder we published at 1% to 8% pays 0% below VIP 3, which takes 25,000 USDT held or heavy trading volume to reach, and its top band needs nine-figure volume. Kite's five 5% offers all expire on November 30 with no general rate underneath them. HashKey was showing minus $3,120 a year on our own calculator because of a subscription fee it does not charge. Three cards sit marked active that you cannot obtain or use today. Every one of those is a number that looked authoritative until somebody opened the provider's own page. We are at 201 cards and 168 active after adding twelve: eight in the first discovery run with working page fetches since the network policy opened on September 4, Kite on the 10th, and three from the regional sweep. Five existing entries had a field corrected, two of them the kind that moves a card between guides. Honestly, the twelve new entries are the least interesting part of that. The reason they are worth having is that the parser underneath them now knows a rebate cap from a subscription fee, and a promotional rate from a standing one, which it did not on Monday.

Database Updates

Cards updated this week: Bit2Me Card → Aven Bitcoin Visa Card → Shakepay Card → Kolo Card → DeCard → Young Platform Card → WhiteBIT Nova Card → Pera Card → Bitbank EPOS CRYPTO Card → Slash Card → Littio Card → OnilX Crypto Card → Lemon Card → Binance Japan Card → Binance Card (LATAM/Africa) → Fasset Card → HashKey Credit Card → Bitget Wallet Card → KAST Card → Spritz Card → Satoshi Tango Card → Tria Card → SafePal Card → Wallib Card → BingX Card → Crypto.com US Credit Card → Robinhood Gold Card → Robinhood Platinum Card → Floki Card → Cryptomus Card → Plasma One Card → Tuyo Card → SwissBorg Card → Mercuryo Spend Card → Fold Credit Card → Pengu Card → SBI Visa Crypto Card → Rizon Card → GoMining Card → Bipa Card → SolCard →

New cards added: Bringin Card → Fiat24 Debit Card → Wallbit Card → Based Card → Kem Infinity Card → Kripicard → PEXX Card → Bitunix Card → Kite Card → MoneyGram Card → Lulucard → Zaif Card →

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