WEEKLY WRAP · 2026-11-03
3 quick hits · market context · 17 cards updated
LAUNCH
Startale Group's card went live on November 2, a virtual Visa inside the Startale App. Its launch post cites more than 300,000 waitlist reservations since July, and the rollout goes to early contributors first, then waitlist users in priority order. Cashback is 1% in USDSC, Startale's own dollar stablecoin. The cashback terms say the rate varies by STAR Points tier (Core, Silver, Gold), but the page that should list those rates still says "Coming soon", so 1% is the only number we can stand behind. There's no annual fee. The US card charges 1.5% on international transactions; the international card charges up to 1.5% FX on non-USD spend plus a cross-border fee of up to 1.5%, so a foreign purchase could cost up to 3% against 1% back. No country list is published either. Startale's marketing calls it neither debit nor credit, yet both card agreements describe a collateral-backed credit account at 0% APR, issued by Third National on Rain's infrastructure. We listed it as Credit and flagged it for a recheck. It's now one of 16 cards in our database that name Third National as issuer, and Western Union's Stablecard has the same debit-or-credit ambiguity. Our read: a launch with its tier rates still "coming soon" is a waitlist with a card attached. Worth watching, not yet worth switching for.
Source: Startale Startale Card →
SHUTDOWN
If you still hold anything at SpectroCoin, this is the week to move it. Its September 10 help-centre update asks EU and EEA users to withdraw assets by November 11 at the latest, after which "full access to the platform will be restricted." Our October 30 check found something new on spectrocoin.com: a legal banner saying Spectro Finance has not onboarded clients or executed transactions since June 30, 2026. Neither page gives the card its own end date, which is why we still list it as unclear rather than discontinued. The Cardano Card, meanwhile, closed on October 31 as Wirex exits custody. Our news scans found no post-shutdown statement, no replacement card and nothing on how leftover balances are handled. We never listed it, and we still have no primary-source word on whether Wirex's own card changes. Further out, the calendar hasn't moved: the 1inch Card wants balances out by December 18, Gnosis Pay's consumer card ends December 20, and MetaMask UK cards issued before September 28 stop on December 29. Honestly, "withdraw by" is the only date in that list that's about your money. The rest are about plastic.
Source: SpectroCoin SpectroCoin Card →
RATES
Three fee moves, two of them against you. Bitunix's cross-border fee on USD purchases rose from 0.5% to 0.9% on November 1, per its card fee page and a fee adjustment notice. Non-USD purchases still pay 1.5% in total. That stings at the bottom of the ladder: VIP 1 earns 1% with a 4 USDT monthly cap, so on USD spend you now net about 0.1%, and past the cap you're simply paying 0.9%. Oobit's fee page now says the card is denominated in USD and payments in other currencies may carry a conversion fee of up to 1.5%. That sits on top of its 1% transaction fee, so non-USD spend can cost up to 2.5% before rewards. Kite went the other way. Moving USDC or USDT from the Kite wallet onto the card is now free, down from 0.53%, and USD spending is still 0% (other currencies 1.8%). The catch with Kite is the one we flagged in September: there's no general cashback, and all six of its 5% category offers end on November 30. Our read: on a card denominated in dollars, the fee you pay depends on which currency the merchant charges in, and these three pages now make that explicit.
Source: Bitunix Bitunix Card → Kite Card → Oobit Card →
EXPANSION
Two cards you can't get right now, for different reasons. Based Card's page says signups are paused and will reopen in November 2026. That's a soft pause with a stated window, and we'll check on November 30 whether it held. It also follows the change that made the card obtainable only by staking $BASED (10,000 for HYPE at 2%, 100,000 for Gold at 4%). Fiat24 is the harder stop. When we added it in September, its docs said it was not accepting new individual clients. They now say it is "currently not accepting any new Client Applications" due to maintenance works, with no reopening date, which covers businesses too. Accounts opened since June 5 carry a USD 30,000 monthly transaction limit. Both stay active in our database because current cardholders can still spend. If you were weighing either one, keep a second card in mind.
Source: Fiat24 Based Card → Fiat24 Debit Card →
Market Context
Both news scans came back empty this week, so this wrap is built from our own checks: a 50-card rotating check, a regional status pass across 115 LATAM, Asian, African and Middle Eastern cards, and a handful of single-card re-verifications. One real launch, Startale, and it arrived with its tier rates still unpublished. Everything else was friction. Fees went up at Bitunix and Oobit, signups closed at Based and Fiat24, and two promotional campaigns ended without replacements. Our read: the cards that publish their fee changes with a date and a notice, as Bitunix did, are easier to plan around than the ones that just change a page. SpectroCoin's deadline is November 11. Don't wait for it. We now track 236 cards: 188 active, 33 discontinued, 5 announced and 10 unclear.
Cards updated this week: Startale Card → SpectroCoin Card → Bitunix Card → Kite Card → Oobit Card → Based Card → Fiat24 Debit Card → Plenti Card → SBI Visa Crypto Card → MeruCard → MetaMask Card → Swissquote Debit Mastercard → MEXC Global Card → Stablecard by Western Union → Bitrefill Card → Jupiter Global Card →
New cards added: Startale Card →
Every recorded change, card by card →
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