WEEKLY WRAP · 2026-09-22

September 15–21, 2026

Reviewed by Card Pilled Editorial · Published 2026-09-22 · Last verified 2026-09-22

TL;DR · This Week

5 quick hits · market context · 43 cards updated

SHUTDOWN

Two Cards Moved to Discontinued This Week. One of Them Died in May.

Friday's rotating check went through 50 cards and changed the status of two. Buenbit is the one worth sitting with. Argentina's Buenbit was bought by Nexo in December 2025, accounts migrated between April 1 and May 3 this year, anything left behind was swept automatically by May 8, and the Buenbit account was deactivated after that. Type buenbit.com today and you get the Nexo Argentina site. The 1% to 5% cashback ladder we had on file, tiered on your previous 30 days of fiat-to-crypto volume and paid in DAI, BTC, ETH, USDC or nuARS, does not exist anywhere any more. We carried that card as active until Friday. Four months. The thin defence is that the acquisition was announced as a migration rather than a shutdown, Nexo's own Argentina dual debit and credit launch in July got written up as a launch, and nobody files a story saying a card quietly stopped existing in the spring. The second one is OnilX, which we flagged to you on September 15 as marked active and unusable. Now the company has said it itself: OnilX is concentrating on B2B infrastructure, asset withdrawals opened from August 17, onilx.com.br is an institutional payments and custody page, and the card URL returns a 404. That is the second independent confirmation our rules were waiting for, so last week's flag is this week's status change. If you still have money there, read this part twice. Withdrawals are reported to require signing a broad, general and irrevocable release before the funds arrive, and that sits on top of a court order freezing company assets and 48 active Reclame Aqui complaints. Our read: a card dies in one of two ways. Loudly, with a wind-down schedule and a balance-withdrawal deadline, which is what Cypher did and what we caught in a week. Or silently, absorbed into an acquirer, where the app keeps opening for a while and then one day redirects. The second kind is the one every comparison site on the internet is currently getting wrong, ours included.

Source: Buenbit Buenbit Card OnilX Crypto Card Nexo Card →

RATES

Gnosis Pay's Cashback Ends September 30. What Replaces It Is Somebody Else's Programme.

Eight days from now the Intermediary Cashback Programme stops. It has run since November 9, 2025, funded by Gnosis Ltd, and it pays 1% if you hold at least 0.1 GNO in your Gnosis Pay Safe, 2% at 1 GNO, 3% at 10, 4% at 100, with a 1% OG NFT bonus taking the ceiling to 5%. The GNO is held, not staked and not locked, payouts land weekly, and your weekly spend cap scales with your holdings. What comes next is the part worth planning around. Gnosis is not renewing its own programme. Partner-led incentives take over instead, Zeal for Europe and PicnicBR for Brazil, and the Brazilian one is already running. Nobody has published what those pay. Our read: a first-party cashback programme and a partner-funded one are different products wearing similar badges. The first is an issuer paying you to hold its token, and it lasts as long as the issuer wants distribution. The second is a third party buying its way in front of you, on its own terms, for as long as its budget holds. Neither is worse on its face. They just fail differently, and only one of them is a number Gnosis controls. We should also own that we have had this date wrong before, in the opposite direction: until August 14 our entry said the programme had been discontinued on June 30, and it had not been. The correction is in the note and has been since. If you are holding 100 GNO specifically for that 4%, October is when you re-run the arithmetic, because right now there is no published replacement rate to run it against.

Source: Card Pilled Gnosis Pay →

RATES

Kardpay Publishes 1%, 1.5% and 2%. The Internet Has Been Saying 4% and 8%.

For months our Kardpay entry recorded the cashback tiers as not published, with a noted contradiction between Kardpay's own "up to 2%" marketing and the 4% and 8% figures third-party writeups keep repeating. The site now publishes the actual ladder and it settles the argument in Kardpay's favour: 1% at a $3,000 KDY stake, 1.5% at $6,000, 2% at $18,000, each locked for 180 days after activation. There is no rate at all without a stake. So the widely circulated top rate is four times the real one, and the real one asks you to lock eighteen thousand dollars of a card issuer's own token for half a year to earn it. Two more things came out of the same read. The product tiers are Core at $29, Pro at $99 and Elite at $299 with one-year validity, not the two-year validity we had recorded, and top-up runs 5%, 4% and 3% by tier rather than the flat 4% in our old note. And Kardpay writes its thresholds as "$3,000 KDY", using dollar notation for a token amount, without saying anywhere whether it means 3,000 tokens or three thousand dollars' worth of them. Those are very different asks. We recorded the ambiguity rather than picking the flattering reading. Here is the uncomfortable bit, and it is about our tooling rather than Kardpay's. We run an audit that flags vague tier requirements, and it never flagged this card, because the unresolved tier had been recorded at 0% and the audit scores rates rather than the absence of one. A fabricated or unknown tier parked at zero is invisible to it. That is the second time this month a number looked settled because our own machinery had no way to complain about it.

Source: Card Pilled Kardpay →

EXPANSION

Fasset Blocks Card Issuance Across the Whole GCC. We Had It Filed as a MENA Card.

Fasset now publishes a named eligibility list, and it is nothing like the shape we had. Thirty-six countries: nine in Asia-Pacific (Australia, Bangladesh, Hong Kong, Japan, Malaysia, New Zealand, the Philippines, Singapore and Pakistan), nine in Africa (Egypt, Ghana, Kenya, Morocco, South Africa, Uganda, Zambia, Côte d'Ivoire and Senegal) and eighteen Americas and Caribbean markets. Against that sits an exclusion list that blocks issuance to residents of the UAE, Saudi Arabia, Bahrain, Qatar, Oman, Kuwait, Indonesia, Nepal, Nigeria, India, Vietnam, Turkey and all of mainland South America. Read those two lists together and the card is not a MENA product and not a South Asian one either, outside Pakistan and Bangladesh. Every Gulf state is out. Fasset's UAE and Indonesia regulatory approvals are real, and they cover the platform rather than card issuance, which is the same distinction that had us recording Turkey as available back in July. This is the third correction to this entry since then. We had 125-plus countries, which was the platform figure. On September 6 we cut that to the 40-plus its card page stated. Now there is an actual list and it is 36. While we were in there, the other thing this entry has been carrying: Fasset launched in April 2026 in partnership with Tether, marketed as the first gold-backed stablecoin neobanking card, and the words gold, XAU and cashback appear nowhere on the current card page or in the cardholder terms. The live mechanic is OWN Points earned on spend with no published conversion rate to money, which is why we score it at 0% rather than guessing. Our read: a launch press release is a marketing document with a shelf life, and five months later it is describing a product that may not be the one shipping.

Source: Card Pilled Fasset Card →

KYC

We Fact-Checked a "No KYC Cards" Graphic. Two of the Cards on It Run KYC.

Somebody circulated a graphic listing 16 no-KYC crypto cards. We already tracked 12 of them, which made it cheap to check, so we did. Hyperbeat came out of it as a genuine addition and its help centre publishes the whole model, including the identity verification process: government ID plus a liveness check. Kardpay, which shows up on lists like this constantly, opens with connect-wallet and then asks for phone number and country. Neither is a no-KYC card. Since the entry is new, the rates: 0.2% on all card spend with no deposit and no minimum, plus four separate +0.2% boosters for holding $1,000, holding $10,000, spending $1,000 in 30 days and spending $10,000 in 30 days, which stack to 1% if you do all four. Above that is a trading ladder that pays 3% at $1M of 30-day volume, 5% at $5M, 8% at $10M, 10% at $25M and 12% at $50M or more, each capped by a spend ceiling, so the 12% covers about $41,700 of card spend and nothing beyond it. Everything pays in WHYPE within 48 hours of the transaction clearing. The card is a Visa Signature with two modes, and the second one deserves attention: Cash Mode spends your USD balance with no interest, while Credit Mode borrows at a variable APR with no grace period against collateral held in your Hyperbeat account at 40% to 75% LTV, liquidating at 62.5%. Issuer is Third National, operator is Zoeion Ltd. FX runs 0.4% to 1%, ATM is $1 plus 0.65%. Haven, Fasqon and CryptoCash came off the same graphic and failed our new-card checklist, so they sit in the backlog rather than the database. Our read: "no KYC" in this market mostly means KYC you have not triggered yet, and a graphic is not a source. Adding Hyperbeat also surfaced a bug on our own card pages, which is that the cashback FAQ listed every tier straight after the headline rate, so the answer read "offers 0.2-1% WHYPE cashback. There are 8 tiers ... Trading 50M+ (12%)", contradicting itself inside one sentence and inside the FAQ structured data Google reads. Tiers above the headline now get their own sentence. Checked against every card page on the site, exactly two changed: Hyperbeat's and Trade Republic's, which has the same shape with a 1% headline and a 2% Crypto Saveback tier.

Source: Hyperbeat Hyperbeat Card → Kardpay → Trade Republic Card →

Quick Hits

  1. Visa is closing a checkout loophole that let people buy meme coins on an ordinary credit card and collect ordinary credit card rewards for it. The Block reported on September 19 that purchases routed through Crossmint-powered embedded checkouts, in apps including Fomo and Robinhood Wallet, were being coded as "digital goods media" rather than as crypto transactions, which is what kept them earning points and kept them clear of the cash-advance treatment most issuers apply. Chase flagged a misclassified transaction and the New York Attorney General's office is reviewing. Processors have a grace period expected to run out around September 26. None of this touches any card we track, and the reason is structural rather than lucky: our cards spend a crypto or stablecoin balance you already hold, so there is no merchant-category question to get wrong. This is about buying crypto with credit, which is the mirror image. We are noting it because the enforcement mechanism is the interesting part. Nobody passed a rule. A network decided a merchant category code was being applied incorrectly, and that was enough to end the practice. source
  2. Two cards joined on September 20 and one of them briefly broke our own ranking. Fizen is a Visa prepaid card from a Tether-backed super app, and its actual point of difference is QR Pay in Vietnam and the Philippines on VietQR, Momo and ZaloPay rails, not another global USDT card. Its terms make QR Pay cross-border only, so you cannot use it to pay a merchant in your own home country. Fizen advertises up to 10% cashback in FiPoints with no tier table, no spend thresholds and no published conversion rate from FiPoint to money, and that string is what caused the problem: our calculator discounts non-cash rewards by 50%, but the pattern it matches needs a word boundary or parentheses, and "FiPoint" written as one word has neither. So an explicitly unverified marketing ceiling skipped the discount entirely and put Fizen at the top of the site's net-annual-value ranking at $2,040 a year. It is now scored at 0 on the same basis as Fasset's OWN Points, and it has left the ranking. Anytap is the other, and it is the first card we have ever filed as unclear rather than active or discontinued. It is a US-headquartered issuer that launched on June 29 into Japan, South Korea, the Philippines and Malaysia, and it names no Japanese FSA crypto-asset exchange registration and no Korean FSC VASP registration on any page it controls, while its own FAQ mentions Travel Rule blocks on transfers in from Korean exchanges. It pays no cashback at all; the only reward is referral commission on other people's fees. source Fizen Card → Anytap Card → Fasset Card →
  3. There are now two MEXC card stories and we cannot reconcile them. Our entry records a new MEXC Visa card launched June 25, 2026 for APAC, paying 4% to 10% USDT by M-Score tier with 7% APR on the balance. A press release dated August 31 announces the "MEXC Global Card" with up to 10% cashback and 7% annualised returns, describing it as a launch, with 0% fees through September 30 and cashback "starting from as low as 1%" after that. Both headline numbers match the card we already track exactly, which is our reason for thinking this is one product being re-announced for a wider rollout rather than two. But the dates are over nine weeks apart, "as low as 1%" has no home in a 4/6/10 tier structure, and nothing tells us whether the September 30 promo expiry moves the recorded rates. We would rather say we do not know than publish a guess dressed as a resolution. The next check that can read MEXC's own card page settles it. source MEXC Card →
  4. Three quieter corrections from the same rotating check, all of them a third-party figure losing to the provider's own page. Fuse was recorded as excluding Florida and Louisiana; its own support page says the continental US minus New York and Alaska, and the Florida and Louisiana claim appears on no Fuse property, so it came out. Pintopay confirms $35 for the card and a 2.5% top-up at source, settling a 2026 report that issuance had gone free. Laso Finance's fee schedule is now confirmed rather than inferred: 0% on US and Canadian non-reloadable cards, about 3.8% plus 2% FX on international ones, reloadable cards free. Seventeen cards were verified against their official page with no discrepancy at all, which is the outcome we want and never write about. Thirty-one could not be fetched: six returned 403, one returned 451, three served a 404 on the card page, and the remaining twenty-one were JavaScript-only or came back empty. Those thirty-one keep their old verification dates rather than getting a stamp they did not earn. source Fuse Card → Pinto Pay → Laso Finance Card →
  5. A loose thread on X Money worth flagging before somebody plans around it. money.x.com carries a New York-specific disclosure stating that New York residents do not earn APY or interest on Stored Value Accounts, which is an odd thing to publish about a state your product supposedly does not serve. Our entry records availability in 41 states plus DC, and that list rests on July launch coverage rather than on anything X publishes, because X publishes no eligibility page. Either New York has opened since or the disclosure is boilerplate. We left the count alone and recorded the conflict. Separately, our own X Money explainer had drifted from the card data underneath it: the fee-reality board still said a $395 Premium+ subscription was required and broke even at $13,200 of annual spend, when base Premium at $84 a year has qualified since the July 27 nationwide rollout. Fixed, with a breakeven that now says which spend it means. source X Money Card →

Market Context

Almost nothing happened this week. No launches, no shutdowns, no regulatory events, no rate moves: our news scans came back three times running with essentially nothing dated inside the window. And yet four cards in our database had a material fact change, two of them changed status, and one of them had been dead since May. Notice where the errors were. Not in the news. In the records. Buenbit's cashback ladder had been gone for four months while every comparison site, ours very much included, kept publishing 1% to 5%. Kardpay's real ceiling is 2% and the internet says 8%. Fasset was filed as a MENA card while blocking issuance to every single Gulf state. A widely shared graphic called Hyperbeat and Kardpay no-KYC cards when both run identity checks and publish that they do. Our read: this corner of the internet has a copying problem, and the copying is mostly of each other rather than of providers. A number gets into circulation from a launch announcement, gets republished, gets republished again with the source now two hops back, and by the time anyone opens the provider's help centre the figure has the weight of consensus behind it and none of the evidence. The only fix is unglamorous. Open the page. Read the terms. Write down what you could not confirm instead of rounding it to what the last aggregator said. We did that four times this week and were wrong four times, which is roughly the hit rate we expect and the reason we keep publishing the misses. On the numbers: 204 cards, 168 active, 31 discontinued, 4 announced and one, Anytap, that we genuinely cannot classify, which is a category we had to create this week and will probably need again. Three cards added, forty entries re-checked and roughly a dozen of those actually corrected. If you want a single thing to act on before October, it is Gnosis Pay: the 5% ceiling has eight days left and there is no published number waiting behind it.

Database Updates

Cards updated this week: Buenbit Card OnilX Crypto Card Kardpay → Fasset Card → Fuse Card → Pinto Pay → Laso Finance Card → X Money Card → UTORG Card → Pera Card → Satoshi Tango Card → Lemon Card → Plenti Card → Eurasian Bank Crypto Card → Binance Card (LATAM/Africa) → Binance Japan Card → Busha Card → Kredete Card → SPENDL Money Card → LuqasCard → HashKey Credit Card → HashPort Card → UPay Card → bitFlyer Credit Card → MiniPay Card → Stablecard by Western Union → Lemon Card Crédito → Decrypto Card → LB Finanzas Card → Trustee Plus Card → DPT Card → Goblin Card → Agora Card → Spritz Card → KOSH Global Card → Keytom Card → Bitrefill Card → Karta Card → Plutus Card → MoonAgents Card →

New cards added: Hyperbeat Card → Fizen Card → Anytap Card →

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