WEEKLY WRAP · 2026-10-27
6 quick hits · market context · 38 cards updated
SHUTDOWN
Three dates for your calendar, all from the providers' own help pages. SpectroCoin comes first. Its September 10 update asks EU and EEA users to withdraw their assets, crypto and EUR, "by 11 November 2026 at the latest. After that date, full access to the platform will be restricted." The notice never mentions the card, so the card's own end date is unconfirmed, but a card is only as good as the balance behind it. Next is the 1inch Card. 1inch's card FAQ, updated October 20, says the programme "is being discontinued", new sign-ups are closed, and balances should be moved out by December 18. Funds are held by Baanx.com Ltd in the UK and Frozen Time UNIPESSOAL LDA in the EU, and 1inch says balances can be redeemed for up to six years after an account closes, which is a gentler exit than most. The card runs on Baanx's Crypto Life programme, the business Exodus bought in May. Last is MetaMask in the UK. MetaMask now partners with Immersve, the New Zealand issuer of Binance's Global Program card in Mexico, Colombia and Peru, for UK cards, and every UK card issued before September 28, virtual or Metal, "will stop working on December 29, 2026." Holders move to a card that is "exclusively virtual, with no annual fees", built around USDC on Base. UK Metal can't be replaced "at this time". Honestly, a free virtual card is a fine landing spot for a casual user and a step down for anyone paying $199 a year for Metal's 3% on the first $10,000 and 0% FX.
Source: 1inch SpectroCoin Card → 1inch Card → MetaMask Card →
RATES
Fold rebuilt both of its cards around one number: your Fold Reserve balance. On the debit card, Fold+ and its $100 annual fee are gone from the pricing page. The rate now runs from 0.25% with no Reserve balance to 3% at $100,000, paid on the first $5,000 of spend a month, with 0.25% above that. The credit card keeps 1.5% back in bitcoin, uncapped, for everyone, then pays 1.75% at a $15,000 Reserve balance, 2% at $25,000, 3% at $50,000, 4% at $75,000 and 5% at $100,000, again only on the first $5,000 a month. The +0.5% for paying your statement in bitcoin and the Auto-Stack boost are no longer on the card page. And you can't stack the two cards: the tier rate goes to the credit card by default, and to the debit card only if you don't have or don't use the credit card. Now the part the pricing page doesn't dwell on. Fold Reserve is closed-loop stored value, not a deposit account. It isn't FDIC insured, it earns nothing itself, and it can be spent on bitcoin, gift cards or the card bill but not redeemed for cash. Fill the credit card's $5,000 window every month at the $100,000 tier and you earn $250 a month instead of $75. That's $2,100 a year, about 2.1% on the money you parked. At $15,000 the bump is $12.50 a month, 1% a year on the balance. Our read: it only pays if you were going to keep that much at Fold anyway.
Source: Fold Fold Card → Fold Credit Card →
RATES
In our September 8 wrap we said the reported end of Xapo's standing cashback was not confirmed and probably never happened. That was wrong. Xapo's summer cashback FAQ says that from July 1, 2026 "the general cashback on everyday card spend is being replaced with exclusive, targeted campaigns", and its transact page says cashback "is not a permanent feature for all purchases". The help centre article we relied on in September no longer loads. So the 0.2%, 0.5% and 1% tiers are off our entry, and the Xapo Card now shows 0% outside campaigns. The current campaign pays Metal cardholders 3% in bitcoin on taxis and rideshares, extended to October 31 by Xapo's October member newsletter. That's this Saturday. Membership is still $1,000 a year, and what it buys now is a bank account with 0% FX and a 0.29% spread when you spend bitcoin. A real product, just not a rewards card. We've attached a correction to the September item rather than rewriting it. Our read: the two trackers caught this in August, and an official page that has gone stale is still stale.
SHUTDOWN
Our monthly deep review re-verified all 204 non-discontinued cards on October 24 and changed the status of five. Payy is the one with money at stake. On September 24 its bridge contract was exploited for about 1.92 million USDC, by Payy's own post-mortem, and deposits, withdrawals and card transactions were paused. A month on, no restart has been announced, so the card is now unclear rather than active. Mercuryo's Spend Card is the quiet one. Mercuryo's help centre says cards stopped working after July 10 and accounts closed on July 11, yet Ledger's co-branded page was still advertising the card on October 24. It's discontinued. So is the Blockchain.com Card, whose page has returned a 404 since late 2024; a card tracker dates the closure to August 2024. Plutus and BYDFi went to unclear. Plutus card spending is reported paused during a banking migration, and its newest official post is still a February migration FAQ. BYDFi's card page and card FAQ both return 404, with no closure notice and no news coverage, so it waits on a second source before we call it closed. Honestly, when a partner is still selling a card the issuer shut three months ago, the issuer's own help centre is the only page worth trusting.
Source: Payy Payy Card → Mercuryo Spend Card Plutus Card → BYDFi Card → Blockchain.com Card
Market Context
Our news scans came back nearly empty this week, so most of this wrap comes from our own checks, and most of it is dates. SpectroCoin's withdrawal deadline is November 11. The 1inch Card wants balances out by December 18, Gnosis Pay's own card closes on December 20, and older MetaMask UK cards stop on December 29. Closer in, Saturday the 31st is the last day of the Cardano Card and of Xapo's taxi campaign. Our read: a published deadline is the good kind of bad news. Payy's card has been frozen for a month without one, and Mercuryo's stopped in July while a partner page kept selling it. Fold went the other way, raising its top rates but tying them to money you park with Fold. We also owe you a correction on Xapo, now attached to the September 8 wrap. We now track 235 cards: 187 active, 33 discontinued, 5 announced and 10 unclear.
Cards updated this week: SpectroCoin Card → 1inch Card → MetaMask Card → Fold Card → Fold Credit Card → Xapo Card → Payy Card → Mercuryo Spend Card Plutus Card → BYDFi Card → Blockchain.com Card Oobit Card → Brighty Card → E Money Card → X Money Card → DeCard → COCA Card → Ether.fi Cash → Revolut Crypto Card → Kite Card → Morse Card → ARQ Card → Crypto.com Visa Card → Gate Card → MEXC Card (APAC) → Krak Card → Tangem Pay → Pionex Card → Bleap Card → Jupiter Global Card → SafePal Card → Cashi Card → UPay Card → Bitrefill Card → Lemon Card → Robinhood Platinum Card → Wallbit Card →
New cards added: CodeCoin Card →
Every recorded change, card by card →
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