What changed

Observed 2026-10-08 · Effective 2026-10-08

Nexo's Argentina page advertises double cashback through October 8, 2026: up to 4% in Credit Mode and 2% in Debit Mode, subject to loyalty tier and a USD 100 monthly cap. Its standard top-tier rates are 2%/1% in NEXO or 0.67%/0.33% in BTC. New cardholders separately receive a one-time 10% first-purchase reward up to USD 5 and may earn USD 50 per month for three months after USD 500 across at least 10 purchases.

Observed 2026-10-08

Foxbit's current card page calculates cashback per crypto-funded purchase, not by monthly spending. The published tiers are 0% below BRL 1,000, 0.5% from BRL 1,000 to BRL 2,999.99, and 1% above BRL 3,000. BRL-funded purchases do not qualify; the page does not clarify the exact BRL 3,000 cutoff or reward timing.

Observed 2026-10-07 · Effective 2026-10-01

The current Sutton Bank agreement sets no annual/monthly fee or inactivity fee, $3.50 ATM withdrawals and $3 foreign transactions (both waived for Reserve members with at least $5,000), and separate 1.5% instant funding and withdrawal fees capped at $25. Reserve is rolling out by account; check for any legacy Fold+ membership charge.

Observed 2026-10-07 · Effective 2026-10-01

Fold's October terms give all prepaid cardholders 0.25% uncapped rewards on eligible signature purchases processed over Visa. Reserve boosts can reach 3% at the $100,000 tier, but require Reserve access, at least $15,000, no Fold credit card, and apply only to the first $5,000 of monthly spend; PIN/EFT transactions do not qualify.

Observed 2026-10-06

Z.ro's verified company response says the former Zro Bank ended its individual-consumer services and that Z.ro Global now operates exclusively in B2B. Its Brazil page now presents business payment and crypto-conversion infrastructure. The Google Play listing was updated June 1 but still advertises a free personal account and international Visa; that stale listing does not prove consumer issuance continues. The former Visa is therefore recorded as discontinued, and the 2022 terms are retained only as historical evidence.

Observed 2026-10-06

The latest indexed version of Z.ro's official landing page still says the card is coming soon, but the page returned an error when checked directly. Z.ro's current business pages and verified company response describe a B2B-only operation after consumer services ended. No evidence confirms Zero Card launched or received a cancellation notice, so it remains an unconfirmed pre-launch record and is excluded from available-card recommendations.

Observed 2026-10-06

WhiteBIT's current Nova landing page states a EUR 5 cashback claim threshold and says categories can be changed daily; its indexed Help Center FAQ still says 5 USDC and once every 7 days. The landing page advertises a 0% service-fee structure, while the indexed fee article lists transaction fees up to 1%; both Help Center article URLs returned 404 during this review. The current page also lists EUR 12 physical delivery and EUR 5 reactivation after three months of inactivity. Check the app's current fee quote and reward controls before applying or relying on ATM access.

Observed 2026-10-06

The current Singapore addendum describes the Pay Wallet as custodial and DPT-denominated, names Xfers Pte. Ltd. trading as StraitsX as Visa issuer, and says the prepaid balance is not covered by local deposit-guarantee schemes. Rewards apply only to qualifying USDG-funded retail purchases; VIP rates and monthly caps come from the in-app schedule, and eligibility may require Accredited Investor verification and opt-in.

Observed 2026-10-06

OKX's Brazil Pay addendum says OKX Brasil does not hold or manage Pay funds and names Monavate Ltd. as the authorized issuer of the prepaid Mastercard instrument. The profile now separates the user-authorized Pay smart wallet from the card issuer and corrects its previous custodial label.

Observed 2026-10-06

The current cardholder agreement says the prepaid card account holds USD fiat only; each merchant purchase authorizes sale of stablecoins from the designated Morse wallet to load the transaction amount. It also lists a $2,000 per-transaction maximum, $0 monthly and per-purchase fees, 0% international transaction fee, no ATM access, and no FDIC insurance for card-account funds. The profile now separates self-custodied wallet assets from the fiat-only issuer card account.

Observed 2026-10-06

The digital-account page currently invites users to request the MB Card, but the help article still says new card requests are unavailable during gradual release. The profile keeps limited access and warns that eligibility may be account-specific; it does not treat the homepage CTA as proof that nationwide applications are open.

Observed 2026-10-06

Kontigo's current homepage markets an international USDC credit-and-debit card that earns 8% yield. It does not state the calculation base, term, eligibility, or payout rules, so the directory records this as an undefined yield claim rather than purchase cashback.

Observed 2026-10-06

Kontigo's whitepaper describes its own card network as under construction and on-chain cashback and self-custodial debit rails as features being built. That roadmap does not identify the issuer or settlement model for the separately marketed card, so this profile avoids assigning those future features to the current offer.

Observed 2026-10-06

Jeeves Brazil's current corporate-card page sets cashback at 1.25% in the first month and 0.75% in following months, applied as a discount on the next statement. The directory removes the older Mexico hotel and airfare rates because the current Mexico page no longer publishes them; this Brazil schedule is not a region-wide rate.

Observed 2026-10-06

Brazil says annual fees, issuance, shipping, and other services vary by card and plan. Its premium Business Black card is listed at USD 200 per year unless included with a GOLD or PLATINUM plan. The page does not publish one standard regional price schedule.

Observed 2026-10-06

The current Mexico page lists its premium World Elite card at USD 200 per year; GOLD or PLATINUM plans may include the card without that separate charge. Mexico and Colombia also advertise unlimited virtual cards, but the public pages do not provide a single LATAM-wide price schedule.

Observed 2026-10-06

The current Help Center says Mexico and Brazil companies may receive USDB and EURC, while other supported countries receive USDC and EURC; wallet access depends on company jurisdiction and approval. Jeeves' legal notices assign card and stablecoin operations to country-specific regulated partners. These adjacent accounts and payment corridors do not document direct stablecoin card authorization.

Observed 2026-10-06

Qik's current card page describes the debit card as a companion to the peso account. Qik also offers dollar accounts, but the public card page does not say they fund this card; the profile now keeps those products separate.

Observed 2026-10-06 · Effective 2025-12-09

The tariff effective December 9, 2025 sets physical delivery at RD$400 or pickup at RD$200, three free customer-requested virtual replacements per year then RD$100 from the fourth, and RD$600 for physical replacement. Five monthly Banco Popular ATM withdrawals are free then RD$60 from the sixth; other-network ATM inquiries or withdrawals cost RD$65 and international ATM withdrawals RD$250.

Observed 2026-10-06

The current Reap Cards page describes 1:1 fiat or stablecoin collateral for secured Visa corporate credit and monthly repayment in fiat or USDC/USDT. It lists Ethereum, Polygon, Solana, and TRON for stablecoin repayment, and supports card budgets by day, month, or year with merchant, location, and time controls. This is not a debit or prepaid program.

Observed 2026-10-06

Reap's current pricing page lists free physical and virtual cards, no annual fee, free fiat or stablecoin repayments, a 2% FX fee, a 2% ATM withdrawal fee, and warns that a late fee may apply. An ATM operator may charge separately.

Observed 2026-10-06

The ATM help article updated August 17, 2026 sets USD-card limits at USD 3,000 daily, 10,000 monthly, 100,000 yearly; HKD-card limits are HKD 25,000 daily, 80,000 monthly, 800,000 yearly. Both allow three withdrawals per day and 30 per month. Company controls can be stricter, listed jurisdictions are blocked, and the 2% Reap fee and operator fee apply.

Observed 2026-10-06

Remis currently advertises local merchant benefits such as coffee and health-insurance offers. Its homepage labels buy-now-pay-later with crypto rewards as coming soon, so the directory treats that as a future product feature rather than active card cashback or crypto funding.

Observed 2026-10-06

Remis's terms say the virtual and physical prepaid Mastercard is issued by Volcan Nicaragua S.A. under Mastercard licence and card spending draws from the Remis app balance. They also state that users must be adults with valid identity documents and that issuer card terms govern use.

Observed 2026-10-06

The terms page is marked updated October 2024, but the prepaid-card fee table says it took effect June 15, 2023. It lists US$0 account setup and monthly fees, plus US$2.75 per ATM withdrawal in or out of network; out-of-network operators may charge separately. It has no card-issuance price, so verify virtual/physical issuance and current rates in-app.

Observed 2026-10-06

The Central Bank of Nicaragua lists REMIS, S.A. under licence BCN-L-PSP-015-2025 for payment-order execution, electronic foreign-exchange services, e-money issuance and administration, and payment-instrument issuance. This is Remis's own payment-fintech authorization.

Observed 2026-10-06

The Central Bank of Nicaragua lists Volcan Nicaragua, S.A. under licence BCN-L-PSP-017-2025, with authorization specifically for payment-instrument issuance.

Observed 2026-10-06 · Effective 2026-09-01

The current Nequi card terms took effect September 1, 2026 and identify Nequi S.A. Compania de Financiamiento as issuer. The legal-entity transition is reflected in the active card terms, not pending account onboarding.

Observed 2026-10-06 · Effective 2026-09-01

Nequi's July 31 announcement says direct operation as Nequi S.A. Compania de Financiamiento began September 1, 2026. The notice says customer experience and support channels remain the same and identifies the entity as supervised by Colombia's SFC, with FOGAFIN deposit-insurance coverage for user deposits.

Observed 2026-10-06

The current card page lists no maintenance fee, a free digital card, and a one-time COP 23,200 charge for the physical-plus-digital bundle. It presents brand discounts and promotions without a fixed universal cashback rate.

Observed 2026-10-06

Nequi's current terms convert USD transactions at Visa's rate on the processing date, which may differ from the purchase date. Transactions in other currencies may also incur a Visa or Nequi conversion charge; check the rate and fee published for the current channel.

Observed 2026-10-06

Nequi says Wenia creates and offers USDW, safeguards the asset and holds the Bermuda Class F licence; Nequi only provides access through its app. The page says USDW is not a currency and has no government backing or deposit insurance, and does not document it as direct Visa-card funding.

Observed 2026-10-06

Nequi's cash-out guide sends users to an app-generated, single-use code for Bancolombia ATM and correspondent channels. The code expires after 30 minutes; this account-withdrawal flow does not establish a Visa-card ATM charge or limit.

Observed 2026-10-06

Nequi's current help article suggests 10 ATM cash-outs per month, COP 10,000 minimum and COP 2,700,000 daily maximum. Users can adjust limits in-app up to 20 withdrawals per month; these figures apply to Nequi account cash-out, not a published Visa-card withdrawal schedule.

Observed 2026-10-06 · Effective 2026-01-19

The CMF authorized Tenpo Bank Chile to operate on January 19, 2026 and gave it up to one year to begin activities. This separate bank authorization does not by itself establish that all existing Tenpo prepaid customers or cards have migrated.

Observed 2026-10-06

The CMF's supervised-entity record lists Tenpo Payments S.A. as a current non-bank funded-payment-card issuer. The existing prepaid-card V5 contract names the same company; Tenpo Bank Chile is a separately authorized bank and the source set does not show it as the issuer for every existing prepaid card.

Observed 2026-10-06

Tenpo's August 27 guide says eligible prepaid customers must sign an in-app mandate, submit required information and pass risk review. Tenpo will welcome each customer when their turn arrives, so the published source does not show universal migration completion.

Observed 2026-10-06

Tenpo's migration mandate says the prepaid card becomes a debit card after migration; existing physical cardholders keep the same plastic and the change is free. The source describes the product change but does not claim that all customers have migrated.

Observed 2026-10-06

Tenpo's help article updated February 19, 2026 lists no Tenpo fee for the first four domestic ATM withdrawals each calendar month, CLP 500 thereafter and CLP 3,000 for prepaid withdrawals abroad. The V5 terms annex, labelled July 2025, instead lists UF 0.017 domestic and UF 0.11 foreign ATM withdrawals and permits monthly waivers. The current product page shows physical delivery from CLP 7,490 while V5 terms list UF 0.223 for physical issuance and dispatch, subject to a lower or waived charge. Confirm the live in-app schedule.

Observed 2026-10-06

Tenpo's current terms say foreign-currency purchases debit the CPF and use the exchange rate shown in the app when the transaction occurs. The current product and fee pages list no Tenpo commission on international card purchases and subscriptions; no reviewed source documents direct crypto or stablecoin card funding.

Observed 2026-10-06

The current prepaid-card page describes the card and its fees but does not publish a standing universal purchase-cashback rate. Tenpesos and merchant promotions should not be presented as a fixed card reward without current campaign terms.

Observed 2026-10-06

The April 2026 agreement names BFF Cards, LLC as the Visa prepaid-card issuer and BFF Prime, LLC as the account-contracting company. Card purchases draw from the prepaid eUSD balance, which the agreement says is backed by stablecoins held in custody; this is not a self-custody card debit.

Observed 2026-10-06

The current $20/month Ridiculously Exclusive membership advertises 1% weekly RSR cashback and up to 6% total after $20,000 of 30-day trading. The $1,000 and $10,000 tiers pay 2% and 4% total; after $2,000 of card spending, cashback returns to 1% for the rest of the month.

Observed 2026-10-06

UGLYCASH's current membership page says the physical metal card is under development and plans an initial limited distribution to active members who reach the maximum cashback tier for two months. The active card record therefore describes the virtual Visa and does not promise a physical-card delivery date or price.

Observed 2026-10-06

The April 2026 agreement's main schedule lists ATM withdrawals at $1 plus 1.5%, while the attached prepaid-card disclosure says ATM transactions are not permitted and shows $2.50 plus 1%; another clause prohibits direct cash withdrawals. The agreement also says an unspecified foreign transaction fee may apply. Confirm current card-specific access and pricing in the app.

Observed 2026-10-06

UGLYCASH's legal page lists BFF Cards, LLC under a Puerto Rico OCIF ruling for card-issuance activities, while BFF Prime, LLC is separately listed as a FinCEN-registered MSB. The page says US money-transmission services for applicable services are provided by Bridge Building Inc; none of these registrations establishes universal cardholder-country eligibility.

Observed 2026-10-05

InfinitePay's current help pages document two virtual-card modes. The prepaid card spends the account balance and earns 1.5% only on eligible credit-at-sight purchases, capped at R$300 per rolling 30 days. Its separate post-paid credit card earns no cashback, has its own credit-specific international fees, and automatically cancels the prepaid card when activated. Prepaid-specific international charges and issuance pricing are not fully stated in the reviewed help guide.

Observed 2026-10-05

The current InfinitePay credit-card guide lists 3.5% IOF-cambio, 0% additional spread for USD purchases, and 1% for other currencies. A general virtual-card article reports a conflicting IOF figure, so this schedule is used only for the post-paid credit profile; confirm the charge disclosed for each transaction in-app.

Observed 2026-10-05 · Effective 2026-09-24

The current agreement keeps the unlimited 1.5% bitcoin base and replaces Auto-Stack and bitcoin-payment bonuses with Reserve boosts, reaching 5% total at a $100,000 tier on the first $5,000 of monthly eligible spend. Reserve is staged and does not apply until visible on the account. Fold's live marketing page still says up to 4%, so the legal terms control.

Observed 2026-10-05

Holyheld's current site accepts invitation requests from individuals and companies. Its FAQ lists CHF 500 annual membership for companies and CHF 0 for individuals, with different stablecoin on-ramp fees. Current public pages mention card spending but do not publish card-specific fees or rewards, so older card prices and USDC cashback figures are no longer presented as current terms.

Observed 2026-10-05

Coinbase lists the Visa prepaid debit card in U.S. states except Hawaii, with virtual and physical forms and variable in-app rewards. It charges no transaction or ATM withdrawal fee, but crypto-to-USD conversion can include spread and a non-USDC sale can have U.S. tax consequences; ATM operators may charge separately.

Observed 2026-10-05

Active Coinbase One Card users earn 5% BTC on flights, hotels and car rentals booked through the mobile-app travel portal. This replaces standard tier rewards for those bookings and does not count toward the combined $10,000 monthly enhanced-tier purchase cap; canceled or refunded bookings may reverse rewards.

Observed 2026-10-05

Coinbase's current product page says the secured-card offer may start at $100, while its dedicated Help article sets a $200 minimum and $200-$5,000 credit limits. The USDC is held as collateral and establishes the limit; confirm the amount in the applicant's actual offer.

Observed 2026-10-05

There is no separate fee to hold the card beyond eligible Coinbase One membership. The first replacement is waived and later replacements can cost up to $40; cash advances cost the greater of $10 or 5%. Coinbase does not charge an ATM fee, though an ATM operator may.

Observed 2026-10-05 · Effective 2026-09-01

The current Singapore-resident schedule sets Basic/Midnight foreign transactions at 2%; Plus/Ruby has no fee on its first S$600 per calendar month and Pro/Jade/Indigo on its first S$1,200, then each is 2%. Higher tiers have no foreign-transaction fee. The inactivity fee is S$6 monthly after 12 months without cardholder-initiated financial activity.

Observed 2026-10-05

A standard DeCard with no customer-initiated transaction for 90 consecutive days can incur a S$5 or US$5 per-card fee at each billing cycle; refunds do not reset the inactivity period. If the account remains inactive at the next monthly review the card closes, and a zero-balance card closes immediately. Luminaries is not subject to this fee.

Observed 2026-10-05

The current waitlist and March announcement narrow the initial audience to medium and large Mexican businesses with USDC or MXNB held at Bitso. Bitso verifies reserves and guarantees the collateral agreement directly with Clara; each pilot case is assessed individually, and regional expansion is planned later. This is not evidence of a general card launch.

Observed 2026-10-05

Crypto Life's current Platform Fees table lists 1.75% crypto-to-fiat and 2% card-spend fee rows for BTC, LTC, ETH, XRP, USDT, USDC and EURT. The document does not explain whether the charges stack or which Ledger regions use it. The live legal page also links an EEA fee sheet dated 3 November 2023 that lists 0% foreign-currency card payments; confirm the current account quote and terms.

Observed 2026-10-05

Ledger lists the EEA, UK, US, Canada, Switzerland, Colombia, Mexico and Brazil for CL Card. Crypto Life's broader Ledger-partner page instead lists Argentina and Australia and omits Colombia and Mexico. Residence, KYC and approval apply; use the live country selector before relying on availability.

Observed 2026-10-05

Ledger's CL Card page specifies 1% rewards selectable in BTC or USDC in the US and BTC or USDT elsewhere, aggregated monthly and paid at month end. Crypto Life's general FAQ describes a separate option of 1% in BTC/USDT or 2% in BXX, excluding Cryptodraft-funded purchases. Confirm the reward schedule shown for the Ledger card in-app.

Observed 2026-10-05 · Effective 2026-08-13

Takenos' terms apply a fixed USD 0.10 charge to each successful TakeCard transaction below USD 10 for accounts with Bolivia KYC, on top of the normal 1% purchase fee. Rejected, reversed and canceled transactions are excluded. The rule applies to virtual and physical cards and has no published end date.

Observed 2026-10-05 · Effective 2026-09-06

The August 31-September 6 campaign offered merchant-specific 1%-10% cashback to eligible Bolivian users, capped at USD 10 total. It has ended and does not establish an ongoing TakeCard reward rate.

Observed 2026-10-05

Current terms and the September 1 access guide list a USD 10 physical card with shipping quoted separately; the same-day fee guide lists USD 20 issuance plus USD 20 shipping. Confirm the total shown in-app before ordering.

Observed 2026-10-05

The updated ATM guide says both virtual and physical TakeCards can withdraw, with USD 250 per transaction including ATM fees, USD 750 per day and up to three attempts in 24 hours. The September 1 fee guide says withdrawals are physical-card only. Confirm access in the app before relying on virtual ATM use.

Observed 2026-10-05

OSMO's homepage identifies Rain (Signify Holdings, Inc.) as Visa issuer and SOINSA (Sociedad Internacional de Servicios S.A.) as Mastercard issuer. The current detailed card FAQ documents a digital Visa, USD-balance funding and 16 markets; it does not publish Mastercard format, eligibility, fees or country list. This directory entry remains scoped to the documented Visa; check the in-app offer for terms on any other network.

Observed 2026-10-05

PagBank's current fee FAQ lists R$ 9.90 per debit cash withdrawal, PTAX + 5% for dollar conversion, and 3.5% IOF on international purchases and withdrawals. The debit-only tariff page confirms the withdrawal fee and conversion rate but omits IOF, so confirm the fee shown for the specific card in the app.

Observed 2026-10-05

PagBank's dedicated debit-card page advertises international purchases and cash withdrawals, but another current FAQ says the debit function is not available for international purchases and treats the Account Card as a separate product. The directory marks overseas debit use as conditional and advises cardholders to confirm which version the app issued.

Observed 2026-10-05

Nubank's current public tariff page lists a 4% markup over the PTAX selling rate plus 3.5% IOF for international purchases on the standard credit card, R$ 6.50 for each account-debit cash withdrawal, and 9.75% monthly interest on credit-card cash advances. Ultravioleta has separate pricing and is not included in this card profile.

Observed 2026-10-05 · Effective 2026-12-20

At 23:59 UTC on 20 December 2026, Gnosis Pay stops card authorizations and closes the web app for card management. Withdrawals remain open without a deadline; cardholders keep control of their Safe. Any partner card is a separate program with new terms.

Observed 2026-10-05 · Effective 2026-09-30

GNO cashback ended at 23:59 UTC on 30 September. Qualifying transactions also had to settle by 5 October; the final payout is scheduled for 7 October, and payout questions can be raised through 30 October. Rewards from a partner app are separate.

Observed 2026-10-05 · Effective 2026-09-01

Bity discontinued all card transactions and physical, virtual, and mobile-wallet use on September 1. The Bity account and balances remain available; eligible cashback through August 31 is credited and no discontinuation fee applies.

Observed 2026-10-05

El Dorado's current card page directs new applicants to a waitlist. Existing cardholders are being moved to new card details at no reissue cost, but the official notice still displays [DATE] instead of a deactivation date.

Observed 2026-10-05 · Effective 2026-09-26

The launch announcement lists Lite at $20/year and a 1.5% rate on its first $1,000 of eligible monthly spending, then 0.5%. Pro is published at 4.5% to $1,000 then 1%; Max at 6% to $2,000 then 1%. The legal schedule still lists Lite at $100, while an older Help Center article says cashback is uncapped; confirm the active caps in-app.

Observed 2026-10-05

U.S. terms name Third National as issuer; international terms name Nimbus, LLC. Both describe issuer-provided credit secured by digital assets in linked wallets. The issuer may liquidate collateral after a missed payment or shortfall. A separate Tria Help guide describes crypto top-ups converted to a card balance; confirm the exact flow shown for your account.

Observed 2026-10-05

Current legal terms aggregate eligible spending across cards on the account, pay in USDC and/or USDT, exclude cash-like and other listed transactions, and allow up to 12 months after a reward period for distribution. The Help Center describes uncapped rewards with quarterly payouts and up to 90 days; confirm the applicable schedule in-app.

Observed 2026-10-05

Tria Help says the app's card-purchase selector contains more than 200 supported regions. Applicants must choose their actual country of residence, be physically present there, be at least 18, and pass KYC; the public article does not enumerate the full list.

Observed 2026-10-05

The July 2026 Help guide says wallet crypto top-ups convert into a card balance and are usually near-instant, but may take 2–4 hours. It does not reconcile this flow with the collateral-backed credit terms or publish a current top-up fee schedule.

Observed 2026-10-05

The current guide lists free issuance and recurring fees, a 1% FX fee on non-USD purchases and a separate 1% fee on purchases outside the U.S. It also documents ATM withdrawals up to $250 including surcharge and three attempts per rolling 24 hours. Tuyo's public card page still says ATM withdrawals and PINs are unavailable and lists a lower $10,000 daily limit; confirm current controls in-app.

Observed 2026-10-05

Tuyo's Help Center separates platform-wide prohibited countries from card-provider issuance exclusions, and publishes additional U.S. state and territory limits. Countries not on the provider list are only eligible at that layer; platform access, KYC and provider approval still apply.

Observed 2026-10-05

Tuyo confirms TUYOs for card spending but publishes no fixed cash-equivalent rate; current rates are shown in the app. Buy Now, Pay Maybe is a separate program and should not be counted as guaranteed cashback.

Observed 2026-10-05

The U.S. card page says Essential costs 1.50% per foreign transaction. The current support guide and cardholder fee schedule describe a flat $1.50; Elite lists $0. Verify the Essential fee shown for the card before calculating cross-border costs.

Observed 2026-10-05

Current terms list 4% Elite rewards on crypto/metals or 3% on fiat/stablecoins, capped at $300/month, and 2% Essential capped at $120/month. Payout is monthly with a $1 minimum rollover; the product page limits eligible activations from January 1, 2026 to a three-month reward period. This is a promotion, not standing cashback.

Observed 2026-10-05

The current Help Center says 1% cashback applies only when eligible purchases use a GBP balance, with a £100 monthly cap, £1 minimum rollover and payout within 15 days after month-end. UK card terms say the promotion extends month to month at Uphold's discretion.

Observed 2026-10-05

Wallbit's current ATM guide says the virtual card works through Apple Pay or Google Pay at contactless machines. Wallbit charges 1% with a $5 minimum; non-USD cash adds another 1%, plus any ATM-owner charge. The typical per-withdrawal limit is $250 equivalent but can vary by machine.

Observed 2026-10-05

Wenia's detailed feature guide says Google Pay works for in-store and online Mastercard purchases and sets a USD 10,000 monthly cap, with increases available through support. The main card page still describes in-store mobile-wallet payments as forthcoming. The feature guide also limits users to one active card and up to four reissues per year after cancellation; confirm the live app experience.

Observed 2026-10-05

Wirex's current fee table lists free card issuance, monthly ATM allowances of GBP 200 in the UK, EUR 200 in the EEA, SGD 200 in listed APAC markets, AUD 400 in Australia, and GBP 200 in Other regions, then 2%. Physical-card delivery is charged separately and varies by destination and shipping method.

Observed 2026-10-05 · Effective 2026-09-30

Wirex says transactions and other account services in the legacy app ended on 30 September 2026. Existing cards and EUR bank details continue working through the Wirex One transition; eligible digital assets in the old custodial service must be claimed into the new self-custodial wallet.

Observed 2026-10-05

Xapo's dedicated FAQ offers 3% BTC on taxi and rideshare transactions through 31 October 2026 for accounts with an activated Metal card; purchases may use the virtual or Metal card and payout is monthly. The transact page still lists a 30 September end date, so the current FAQ and in-app terms should be checked before relying on the offer.

Observed 2026-10-05

Xapo's general membership materials say the premium Metal card is included free, while the European Visa fee schedule lists an USD 89 Metal issue fee (virtual and standard physical-card issuance are listed at USD 0). Confirm which card programme applies before ordering.

Observed 2026-10-05

belo's fee table lists a minimum 0.30 USDT international-purchase charge (0.40 USDT for specified digital and gaming purchases), plus a 3% ATM withdrawal fee with a 0.50 USDT minimum. Cash withdrawals are limited to Argentina; replacement and virtual-card limits also apply.

Observed 2026-10-05 · Effective 2026-10-05

From 10:00 UTC on Oct 5, 2026, fiat-funded Bybit Card transactions earn no Rewards Points or cashback. Crypto-funded spending earns 2% in the non-VIP base tier (capped at $5 monthly); higher tiers reach 10% and $600 monthly cashback caps through eligible monthly spend or VIP status. Points are pending for four calendar days and require redemption or Auto Cashback.

Observed 2026-10-05

The current card page advertises free virtual activation, no monthly or domestic/international purchase or conversion fees, and 1:1 use of USD, EUR and COP balances. It supports Mastercard ATM withdrawals but does not publish an ATM fee amount; physical-card delivery costs also remain unlisted.

Observed 2026-10-05 · Effective 2025-05-31

TruBit says its Mexico card stopped working on May 31, 2025, and that no new cards were being issued there. Its notice said the Argentina card continued, so the directory profile is limited to that regional prepaid product.

Observed 2026-10-05 · Effective 2024-09-30

TruBit's help center says it stopped granting card cashback after Sep 30, 2024. Its general product and Academy pages still show an up-to-5% headline, but the card-specific termination notice takes precedence for current eligibility.

Observed 2026-10-05

Verified individual users residing in Bolivia, Argentina or Colombia can receive a one-time $10 USDC card credit after their first card load of at least $50 USDC. The published offer runs through Dec 31, 2026 and has a $100,000 total payout cap; it is a promotion, not ongoing cashback.

Observed 2026-10-05

Gemini's current product page and reward guide list 4% on qualifying gas-at-the-pump, EV charging, public transit, taxi, and rideshare purchases up to $300 per month in combined category spend, then 1%; dining earns 3%, groceries 2%, and other qualifying purchases 1%. Merchant-category coding controls eligibility, and pre-authorized transactions may be rewarded after they clear. Limited merchant offers have their own active dates and limits.

Observed 2026-10-05

Krak's pricing page lists a 1% fee on US foreign-currency card purchases, on top of the Visa exchange rate. UK and EEA purchases use the Mastercard exchange rate without Krak FX markup. Crypto-funded purchases can still include a variable conversion spread, and third-party ATM fees may apply.

Observed 2026-10-05 · Effective 2026-10-15

Through October 14, US Krak cashback tiers are 0.5% from a $200 average balance, 1% from $1,000, 1.5% from $10,000, and 2% from $50,000. From October 15, the thresholds/rates become $1,000 for 1%, $10,000 for 1.5%, $75,000 for 1.75%, and $150,000 for 2%. The 30-day average is calculated across Krak, Kraken, and Kraken Pro; new cardholders receive the top tier for their first 30 days.

Observed 2026-10-05 · Effective 2026-07-16

From July 16, 2026, eligible Australian KuCard transactions generate Rewards Points instead of new direct cashback. The higher of the user's VIP level or monthly spending tier sets the rate; KuCoin advertises up to 8%, with a 1% VIP0 example and 3% after crossing the 3,000 USDC monthly-spend example. New users receive an extra 1% on their first eligible purchase. Points redeem at 1,000 per USDC, are issued after settlement and a 15-business-day review, and expire 90 days after credit. Cashback earned before the change remains redeemable through January 12, 2027.

Observed 2026-10-05

Current disclosures distinguish a U.S. secured credit card from the international consumer Spend Card. Both currently show 0% purchase APR; the international terms list 0% FX and cross-border fees, while both list a 2% ATM fee with a $1 minimum. Current rewards terms set maximum rates at 3% BTC in the U.S., 1% internationally and 5% for select merchant promotions; only eligible settled purchases qualify, and exclusions apply. Lava BLOC borrowing is a separate product.

Observed 2026-10-05 · Effective 2026-07-31

The current FAQ lists a $0.80 ATM fee in Panama and $5 in Guatemala, Costa Rica and other countries. The $1,500 monthly ATM cap shares an $8,333 total monthly limit with purchases; daily and per-purchase limits are $5,000. The FAQ says there is no maintenance fee after obtaining the card, while a separate application guide requests an annual membership payment; public help does not clarify whether it renews. The FAQ says there is no extra card purchase fee. Non-USD purchases use Mastercard's exchange rate and may be adjusted after settlement.

Observed 2026-10-05

The Cross River card agreement lists foreign-currency markups up to 3% and a standard physical card at $0 plus shipping. The account requires a funded partner-institution collateral account, and the full balance is due daily by 4 p.m. ET; missed payment can trigger collateral enforcement. Meow markets no annual fee, but other fees can be added under the agreement.

Observed 2026-10-05

The current published table lists 2.5% for eligible Anthropic and OpenAI purchases, 1.5% for Apple, USPS and other qualifying purchases, 0.5% for Amazon/AWS, and 0.01% for Walmart and Costco. Only eligible U.S.-authorized USD purchases qualify; cashback credits unlock on the 10th of the month after settlement and must be redeemed manually. Rates and eligibility can change.

Observed 2026-10-05

The current Mexico account terms provide two free monthly app-based withdrawals at partner stores; each later one costs MXN 10, and Mercado Pago Express cash-outs are free. With the debit card, ATM fees are set by the ATM owner and shown before confirmation. OXXO card withdrawals cost MXN 20 including VAT, up to MXN 3,000 per transaction. Some supermarkets also offer cash-back at checkout, with store-specific purchase and withdrawal limits. The card page advertises free delivery, while its FAQ says shipping may be charged, so confirm the amount in the app when requesting a physical card.

Observed 2026-10-05

PicPay's current help article says international purchases work with the credit function and debit-only cards are not accepted abroad. The generic debit-card agreement describes use in Brazil or abroad, so these public documents conflict; confirm the exact card function in the app before relying on debit overseas.

Observed 2026-10-05

For foreign-currency transactions, PicPay says it converts through USD to BRL using PTAX Venda plus a spread and IOF. The page does not state a fixed spread amount, and the current dollar quote is available in the app.

Observed 2026-10-05

The current consumer terms say card debit spending uses the prepaid BRL payment-account balance. Crypto orders are a separate PicPay Bank-intermediated service, with Foxbit providing custody and liquidity and quotes supplied through RFQ. The terms do not document card transactions authorized directly against crypto balances.

Observed 2026-10-05

At Banco24Horas, debit withdrawals cost R$ 7.90 each, require at least R$ 20, and share a R$ 5,000 monthly cap; daily limits are R$ 2,000 for Gold and R$ 5,000 for Platinum or Black. Credit cash advances cost R$ 16.90 in Brazil or R$ 20 abroad, plus IOF and 19.8% monthly financing charges, and are limited to 20% of available credit.

Observed 2026-10-05 · Effective 2026-03-01

Gold's published waiver requires R$ 100 in monthly credit purchases or withdrawals plus six consecutive full on-time bills. Platinum and Black publish spend or investment routes to waive monthly annual-fee installments; Black Epic requires an active Epic subscription. The actual annual-fee amount is in a separate tariff table, so verify the current offer in the app.

Observed 2026-10-05

Current support lists a 1% Plasma FX markup on Lite and 0.5% on Core, plus about 1% from Visa; Platinum has no Plasma or Visa FX fee. ATM operators may still add their own charges, and account-specific fees should be checked in-app.

Observed 2026-10-05

The current ATM guide allows up to $1,000 per withdrawal and three withdrawals per rolling 24 hours. USD withdrawals cost $2 plus 2%, balance inquiries $1, and declines $1; the operator may add a fee. ATM withdrawals do not earn cashback.

Observed 2026-10-05

Current published bands step down as monthly spend rises: Lite pays 2% on the first $500 then 0.1%; Core base rewards range from 3% to 0.25%; Platinum base rewards range from 4% to 1%. Eligible AI and airline rates replace the base rate rather than stack. Rewards are currently paid weekly in XPL after a pending period; token value can change.

Observed 2026-10-05

The current support page lists Core at 0 XPL during a promotion and 20,000 XPL otherwise, and Platinum at 100,000 promotional or 150,000 otherwise. Locks last 12 months and cannot be released early; product pages and account offers may show different active terms, so verify before upgrading.

Observed 2026-10-05

The current product page names Rain as Visa issuer, while the international card agreement identifies Third National. Plasma's terms describe multiple third-party issuers and separate US and international agreements; check the specific cardholder agreement shown for the account.

Observed 2026-10-05

Visa acceptance in 180+ countries describes merchant coverage, not onboarding eligibility. The current eligibility guide excludes Venezuela, Cuba, Iran, North Korea, Russia, Syria, and Ukraine; physical delivery has a separate list and the order guide says eligible Core or Platinum accounts can order only when the option appears in-app. Another support article still describes Core physical cards as coming soon.

Observed 2026-10-05

The order guide lists the first physical card as free before delivery fees. Core shipping is $20 standard or $50 express; Platinum standard shipping is free or $30 express. Additional cards are $40 for Core and $120 for Platinum. Availability and the final delivery quote are shown in-app; another support page still describes Core physical cards as coming soon.

Observed 2026-10-05

The help guide describes an opt-in transfer from Cash to third-party Veda vaults deployed into Aave. Yield varies and is not guaranteed; protocol, smart-contract, and loss risks apply. Do not assume card or wallet balances earn automatically.

Observed 2026-10-05

Plenti's current currency guide lists a $0 purchase commission but a 0.2% price differential versus spot when buying USD. The displayed app rate is the actual acquisition cost; it is separate from the card's fee-free purchase claim.

Observed 2026-10-05

Plenti's September 2026 travel guide describes spending from matching USD or EUR balances without an international purchase fee. Any conversion cost is paid when buying the currency, and the final app quote should be checked before funding.

Observed 2026-10-05

Plenti's September 2026 travel guide says its public pages do not list international ATM charges. Confirm whether cash withdrawals are enabled for the specific card and review the issuer and ATM-owner fees in-app before relying on cash access.

Observed 2026-10-05

The current freelancer page mentions cashback in its section about paying bills and services with Plenti balance, but does not say the offer applies to Visa card purchases or publish a rate, cap, payout form, or promotion term. The directory does not assign an estimated card-reward percentage; check the exact offer in-app.

Observed 2026-10-05

The current homepage advertises daily rewards up to 8% E.A. on USD balances. This is an account-balance promotion, not a stated percentage on card purchases; check the app for the active balance offer.

Observed 2026-10-05

Current terms describe rewards for users with positive digital-asset balances and allow Plenti to change or revoke a reward program. Confirm the active conditions in-app; the terms do not specify a guaranteed rate or fixed card-purchase cashback formula.

Observed 2026-10-05

Current terms say cash-ins funded with local currency are converted into USDT within up to two business days and digital assets are held by third-party providers. Plenti describes itself as a technology provider and payment aggregator, not a bank; verify the displayed route and settlement timing before funding.

Observed 2026-10-05

Plenti advertises Visa acceptance in more than 200 countries and 100 million merchants. That is merchant reach, not the list of places where a customer can open the account; the public card pages reviewed do not consolidate the issuing-country eligibility list.

Observed 2026-10-05

The current Uruguay schedule charges (2.5% + USD 0.50) plus VAT for international purchases settled in dollars, or (2.5% + UYU 14) plus VAT when billed in Uruguayan pesos. Other transaction currencies use Mastercard's rate and related costs capped at 1.5% of the transaction; the app and merchant currency should be checked before payment.

Observed 2026-10-05

Uruguay ATM withdrawals cost USD 3 plus VAT or UYU 45 plus VAT; Red de Cobranzas withdrawals cost USD 1.90 plus VAT or UYU 35 plus VAT. International ATM withdrawals cost USD 3 plus VAT, and the ATM operator may add a separate service fee.

Observed 2026-10-05

The current schedule makes bank loads above USD 50 or UYU 1,500 free; smaller loads cost USD 1.97 plus VAT or UYU 56.56 plus VAT. Collection-network loads above USD 50 or UYU 500 are free; smaller ones cost USD 1.97 plus VAT or UYU 34.60 plus VAT. Loads are capped at USD 10,000 per day and USD 15,000 accumulated unless Prex approves additional documentation.

Observed 2026-10-05

The current Apple Wallet guide lets users add a virtual or physical Prex card to iPhone or Apple Watch and says Apple Pay adds no fee. Verify device compatibility and local contactless acceptance.

Observed 2026-10-05

The current Google Wallet guide supports adding either the virtual or physical Prex card to a compatible Android device and states that Google Pay adds no fee.

Observed 2026-10-05

Prex says Lirium exclusively provides its crypto service and holds those assets in an account in the user's name. Crypto-sale proceeds return to the Prex account in pesos or dollars; the card agreement debits e-money balances and does not document direct crypto-card settlement.

Observed 2026-10-05

The current Uruguay help page lists crypto purchases at USD 0.99 plus 2% and sales at 1%, VAT included. These are crypto-service charges and do not replace the separate card purchase or ATM fee schedule.

Observed 2026-10-05

Prex's current Uruguay help page advertises 4 VAT points saved on ordinary local purchases and 9 on restaurant spending. Eligibility follows Uruguay tax rules and the transaction must qualify; this is not card cashback.

Observed 2026-10-05

The Uruguay agreement identifies Econstar as the electronic-money issuer and describes a prepaid Mastercard that debits the user's USD or UYU balance. Currency conversion is handled by Fortegold, while customer acceptance and due diligence apply to applicants.

Observed 2026-10-05 · Effective 2026-07-20

Ready's current fee page says it is not issuing new physical or virtual cards during a partner transition. The replacement has no published launch date or waitlist, and users will need a new account and must move their funds before ordering.

Observed 2026-10-05

Ready's September 1 support notice says existing physical and virtual cards will stop working soon but does not provide an exact cutoff date. Eligible Metal subscriptions and recent Lite shipping fees are refunded automatically; existing wallet funds remain available and eligible points can be used for prior-card refunds or future options.

Observed 2026-10-05 · Effective 2026-05-01

Ready's support update says the old cashback program changed to Ready Rewards on May 1, 2026. The points program's rates and eligible activities are governed separately and displayed in-app.

Observed 2026-10-05

Current Ready Rewards terms define Points as loyalty benefits, not money, e-money, or cryptoassets. Earning and redemption rates, caps, exclusions, and eligibility appear in-app; points currently do not expire and are awarded after settlement plus a seven-day grace period.

Observed 2026-10-05

Ready says the upcoming card will be available through its app on Base. Ready X and the Ready app are separate products, so existing Starknet assets do not transfer automatically and must be moved before they can be used with the replacement card.

Observed 2026-10-05

Ready's August announcement describes community-specific cards, rewards, and partner revenue sharing, beginning with selected esports communities. The announcement is a product direction, not a live issuance offer or published card-term schedule.

Observed 2026-10-05

The current issuance help page lists a one-time USD 10 fee for a virtual card and USD 100 for a physical card, deducted when the card is issued. The physical card's shipping eligibility is a separate check.

Observed 2026-10-05

RedotPay's current fee help says it does not charge card-management, monthly, or annual fees. RedotPay Pro is a separate optional subscription with its own price and benefits.

Observed 2026-10-05

Pro costs USD 12.90 monthly or USD 129 yearly. The monthly plan waives one USD 10 virtual-card fee and the annual plan waives one USD 100 physical-card fee. Both offer 3% only on Apple Pay and Google Pay purchases, capped at USD 18 per month; the resulting USDs are card-spend credit, expire after 30 days, and cannot be withdrawn or transferred. Annual members also receive a USD 1,000 monthly waiver of RedotPay ATM fees, not ATM-operator fees.

Observed 2026-10-05

The current help schedule lists a 2% fee for HKD cards and a 2% fee for USD cards up to USD 10,000 per month, then 3% above that amount. It separately lists 1.2% for a transaction in another currency and 1% crypto conversion; the ATM operator may charge its own fee.

Observed 2026-10-05

RedotPay describes card acceptance at merchants that support major card networks, with exceptions for some merchants and sanctioned regions. That does not establish whether a resident can apply: check the separate issuance list and in-app country selector before paying an issuance fee.

Observed 2026-10-05

RedotPay's delivery guide says physical shipping is unavailable in additional regions beyond those barred from card issuance. Confirm both lists before selecting the USD 100 physical card.

Observed 2026-10-05

RedotPay requires identity verification using legal name, date of birth, and a valid government ID. It may request additional documents based on region or account activity; the earlier light-KYC description has been removed.

Observed 2026-10-05

RedotPay's deposit fee policy says the service charges no fee to deposit funds. It notes that intermediary or receiving banks may deduct handling fees from returned deposits; supported crypto assets, networks, and minimums vary in-app.

Observed 2026-10-05

Revolut's Spain help page says eligible personal cards can link to a crypto Pocket or use a virtual Crypto Card. The purchase converts crypto to its payment currency; Pro and Business cards are excluded, refunds return in fiat, plan fees may apply, and crypto card payments earn no cashback.

Observed 2026-10-05

Revolut says full Mexican banking operations began January 27, 2026 and later reported more than 500,000 local account holders. The generic signup help page still says Mexico is waitlist-only; Revolut's Mexico card help page documents live card ordering. No local crypto-card service is established by these sources.

Observed 2026-10-05

The bank's Q2 2026 management report says Mexico had more than 635,000 account holders and documents local card originations. This confirms local banking and card activity but does not establish Mexico crypto-service availability.

Observed 2026-10-05

The Mexico help center says both physical and virtual Revolut card types are Mastercard. This local network detail does not describe card networks offered in other markets.

Observed 2026-10-05

The current global country list still labels Mexico waitlist-only despite its live local bank and cards. Colombia is not a current card market: Revolut says it has received its operating licence, opened a waitlist, and is still preparing to launch. These markets have separate states in the directory.

Observed 2026-10-05

Revolut received Colombia's operating licence on September 15, 2026 and invited residents to join a waitlist. The company described launch as upcoming and did not publish local card terms, so Colombia is not shown as a current Revolut card option.

Observed 2026-10-05

Spain Standard customers pay 1% on exchanges above EUR 1,000 per rolling month and a 1% weekend exchange markup. The fair-usage limit counts fiat, crypto, and commodity exchanges, including automatic conversion during a payment.

Observed 2026-10-05

Spain Standard allows EUR 200 or five ATM withdrawals per rolling month without Revolut's withdrawal fee. Above the allowance, Revolut charges 2% or EUR 1 minimum; ATM-owner and currency exchange charges are separate.

Observed 2026-10-05

Eligible UK, EEA and Swiss Metal or Ultra customers earn 0.1% in Revolut's defined Europe region or 1% outside it. This is a paid-plan benefit; Revolut explicitly excludes cashback on crypto card payments.

Observed 2026-10-05

Revolut's current US cryptocurrency terms say the US entity does not offer cryptocurrency services. The card profile therefore separates US fiat cards from crypto-linked card features available in other markets.

Observed 2026-10-05

The directory now separates the two live country programs. Argentina's agreement makes foreign transactions and ATM withdrawals conditional on account enablement and applies the BNA seller rate × 1.03 plus taxes to enabled foreign use. Brazil publishes a 5% foreign-currency fee, BRL 6.90 at Rede24Horas, and a BRL 500 monthly cashback cap; its virtual card is online-only and physical issuance is reviewed.

Observed 2026-10-05

Ripio's Brazil product page still advertises 4% crypto / 1% BRL cashback during the first 30 days, while its card terms say that promotion ended December 31, 2024. The directory counts only standing rates of 2% crypto / 0.5% BRL and lists the marketing/legal discrepancy for users to verify in-app. Argentina separately caps card cashback and promotions at ARS 50,000 per month.

Observed 2026-10-05 · Effective 2026-07-28

Solflare said Kulipa could no longer support the program and both virtual and physical cards stopped working on July 28, 2026. Existing cards will not carry over. Solflare was integrating a replacement issuer and expected a new program in August, but its notice did not confirm relaunch or publish the replacement's network, formats, regions, fees, limits or cashback terms. The directory marks the program paused and keeps former-program fees clearly historical.

Observed 2026-10-05

The current SpicyCard terms say cash withdrawals are allowed only in Argentina and that fees appear in-app. A July 2026 help article says international ATM withdrawals are supported up to USD 1,000, while the published local cap is USD 500. The directory flags the conflict and does not treat overseas ATM access as confirmed; Takenos should confirm the live rule before a customer relies on it.

Observed 2026-10-05

Premium costs USDc 6.99 monthly or USDc 69.99 yearly. It earns 1% on the first USDc 500 per subscription month and 0.5% after that without a cap; Standard has no published standing cashback rate. ATM and Finance/Investments transactions do not qualify.

Observed 2026-10-05

General card help describes worldwide ATM access except international withdrawals on Argentina-issued cards, while the Premium overview says ATM withdrawals are available only in Colombia and Mexico. Fees also depend on membership, card and ATM operator. The directory flags this conflict; confirm availability in-app before relying on cash access.

Observed 2026-10-05

ARQ's Brazil fee schedule lists USDc 2.99 for the Standard Global physical card or BRL 15 for the Standard Local card. Premium may use different prices; check the in-app quote before ordering.

Observed 2026-10-05

Global-card spending in BRL has a 0.5% conversion charge; international purchases with the Local card carry 3.5% IOF. The right fit depends on where and in which currency you spend.

Observed 2026-10-05

ARQ lists Prestige at USD 199.99/year outside Brazil or USD 19.99/month in Brazil. The secured revolving line can reach USDc 100,000 and unpaid balances may be financed at country- and currency-specific monthly rates; Colombia has a separate local credit agreement. Membership, credit approval and collateral restrictions apply.

Observed 2026-10-05

The current product page requires an active Cordoba account; card tier depends on the customer segment and savings, current-account or CD balances. It advertises free card membership, additional cards, renewals and replacements for deterioration, and says international purchases do not require advance travel notice.

Observed 2026-10-05

The tariff PDF located on the issuer site was published December 3, 2024 and took effect January 3, 2025. It lists C$35 at other domestic-bank ATMs, 4% with a USD 4 minimum abroad, and C$100 for lost, stolen or damaged replacements; it also lists no charge for new card issuance. These are the last public figures found, not confirmed current prices. The current product page says wear-related replacements are free, which conflicts with the dated C$100 replacement row.

Observed 2026-10-05

The current Brazil FAQ names Pomelo Instituição de Pagamento Ltda. as card issuer under Mastercard license. Brazil residents with completed identity verification can apply; the virtual card arrives first and physical issuance is free with 10 USDT-equivalent assets. Apple Pay is supported.

Observed 2026-10-05

The current fee page lists BRL 0 annual and first physical issuance fees, a 10 USDT-equivalent balance condition, BRL 30 cancellation within the first year (BRL 0 after), 1%-2% foreign exchange, 0.9% crypto conversion, two free monthly ATM withdrawals and USD 1.50 afterward. Spending and cash limits vary by KYC level, and additional local, network, spread and IOF charges may apply.

Observed 2026-10-05 · Effective 2026-06-01

Since June 1, 2026, monthly crypto-funded spend earns 1.5% below BRL 500, 2% from BRL 500 to below BRL 5,000, or 3% from BRL 5,000 with BRL 500 maximum cashback in that top tier. Reaching a tier applies its rate retroactively; BRL-funded transactions and ATM/cash-like spend do not qualify. From September 29, payouts are credited in BRL to Spot on the 10th of the following month. This replaces the original launch copy that advertised up to 2%.

Observed 2026-10-05

The current payment guide lists USDT, USDC, FDUSD, BNB, BTC, ETH, SOL, ADA, LINK and XRP across Funding, Spot and Simple Earn Flexible. Cardholders select 3-12 assets in payment priority order.

Observed 2026-10-05

Terms updated June 28 identify Bleap SIA as programme provider and Unlimit EU Ltd as card issuer. The card is for EEA or Swiss residents, but Bleap says access is not enabled for every EEA country; KYC, nationality screening, issuer approval and current in-app access apply.

Observed 2026-10-05

Current terms set 1% default USDC cashback, 3% on listed rides and food delivery, and 20% on selected subscriptions. Default caps limit eligible payment amount to EUR 500 per transaction and EUR 3,000 monthly, not cashback value. A 2% restaurant/supermarket offer ended May 31, 2026 even though the general overview still shows it; category terms and exclusions apply.

Observed 2026-10-04 · Effective 2026-08-01

From 1 August, eligible spending earns 2% by default or 3% for new users and qualifying monthly spend, paid in one of seven selected assets. The 3% tier lasts for the current and following month. Monthly eligible-spend caps range from USD 200 to USD 600 by country; MCC exclusions, refunds, reversals, and risk review apply. Rewards become redeemable T+7.

Observed 2026-10-04 · Effective 2026-09-01

From 1 September 2026, ARS-funded purchases earn 0.25% BTC, down from 0.5%; eligible crypto-funded purchases remain at 2% and carry a 0.5% crypto payment commission. The monthly cap is ARS 30,000, and foreign-currency purchases do not earn cashback.