Issuer referenceCrypto cardMastercardLimited rollout

Mercado Bitcoin Mastercard

Name: Mercado Bitcoin Mastercard
Brand: Mercado Bitcoin Instituicao de Pagamento Ltda.

A limited-rollout Brazilian Mastercard spending reais and returning 1% in bitcoin.

Mercado Bitcoin MastercardMastercard

Mercado Bitcoin's virtual Mastercard is tied to its Brazilian digital account, spends available real balance, supports Apple Pay and Google Pay, and advertises 1% bitcoin cashback. The product page labels direct crypto spending as upcoming, and the current help center says new requests are unavailable while access rolls out gradually. It is therefore a fiat-funded crypto-reward card with limited onboarding, not a broadly available direct-crypto card.

Go to official site View all cardsReviewed 2026-08

Rewards

1-1% bitcoin on purchases

Fees

No annual fee or card bill on the current digital-account page

Custody

Custodial

Eligibility

Brazil for eligible verified adult Mercado Bitcoin digital-account users. MB says access is being released gradually and that new card requests are currently unavailable, so existing access should not be read as open nationwide onboarding.

Fees

Monthly feeNo annual fee or card bill on the current digital-account page

IssuanceCurrent help material does not publish a separate issuance price; new requests are temporarily unavailable during gradual rollout

FXThe card is advertised as international, but the reviewed pages do not publish a consolidated current FX spread or conversion schedule; confirm in the app

ATMThe reviewed current card pages do not document ATM access or a cash-withdrawal fee schedule

Top-upsSpends Brazilian-real balance in the MB digital account. Direct payment from crypto is explicitly marked as coming soon, so this record is fiat-funded today.

Rewards

MB advertises 1% daily bitcoin cashback on purchases. Eligibility, exclusions, posting, and any caps remain subject to the live card terms in the app.

Availability

Latin America

Official sources

MB digital accountCurrent Mastercard program, real-balance funding, 1% bitcoin cashback, no annual fee or bill, mobile wallets, Brazil-resident eligibility, and direct-crypto-spending upcoming boundary.How to obtain MB CardCurrent gradual-release lifecycle, temporary unavailability of new requests, verified-account requirement, and virtual-card onboarding flow.Mercado Bitcoin current legal identityCurrent Mercado Bitcoin Instituicao de Pagamento Ltda. identity, Sao Paulo seat, payment-institution and VASP presentation, and digital-account scope.

Pros & cons

Pros

1% bitcoin cashback advertised
No annual fee or bill
Apple Pay and Google Pay
Integrated with the MB digital account

Cons

New requests currently unavailable
Gradual rollout
Fiat-funded; direct crypto payment is upcoming
No consolidated current ATM or FX schedule on reviewed pages

Best for

Existing MB Card holders
Brazilian MB users tracking rollout access
Users prioritizing bitcoin rewards over direct crypto spending

Alternatives

Ripio Card

Check official terms

Bipa Card

Check official terms

Foxbit Card

Check official terms

Z.ro Bank Visa Debit

Check official terms

This is not financial advice. Conditions change frequently: verify fees, rewards, custody and eligibility on the official site before applying.

Fees

Monthly feeNo annual fee or card bill on the current digital-account page

IssuanceCurrent help material does not publish a separate issuance price; new requests are temporarily unavailable during gradual rollout

FXThe card is advertised as international, but the reviewed pages do not publish a consolidated current FX spread or conversion schedule; confirm in the app

ATMThe reviewed current card pages do not document ATM access or a cash-withdrawal fee schedule

Top-upsSpends Brazilian-real balance in the MB digital account. Direct payment from crypto is explicitly marked as coming soon, so this record is fiat-funded today.