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RedotPay

The most widely available crypto Visa: fund with crypto, spend anywhere.

RedotPay is a Hong Kong based crypto card issuer whose Visa works in more countries than almost any competitor, which made it the default option across Latin America and emerging markets. You deposit crypto or stablecoins, the balance is spent at Visa merchants, and the virtual card is issued in minutes. It is custodial and KYC is required, but onboarding is light compared with a bank.

Go to official site View all cardsData verified: 2026-07

Max cashback

3% (USD - Pro membership)

Monthly fee

$0 monthly fee

Custody

Custodial

Regions

Global, Latin America, Asia-Pacific, Europe

Fees

Monthly fee$0 monthly fee

Issuance$10 one-time for the virtual card, $100 for the physical card

FX~1% on USD purchases; ~2.2% total on non-USD purchases (conversion + FX)

ATM~2%-4% depending on monthly withdrawal volume (physical card)

Top-upsFree crypto deposits (BTC, ETH, SOL, USDT, USDC and more)

Cashback

0% - 3%Paid in USD - Pro membership

The base card has no cashback. The paid RedotPay Pro membership (launched mid-2026) adds up to 3% on Apple Pay / Google Pay purchases with a monthly cap.

Availability

150+ countries, including most of Latin America, Europe and Asia. Not available in some sanctioned jurisdictions.

GlobalLatin AmericaAsia-PacificEurope

Pros & cons

Pros

Works in 150+ countries, including most of LatAm
Virtual card issued in minutes with light KYC
No monthly fee on the base card
Apple Pay and Google Pay support

Cons

No cashback without the paid Pro membership
Non-USD purchases cost ~2.2% in combined fees
Custodial: the balance is held by RedotPay
$100 activation for the physical card

FAQ

Do I need a bank account to use RedotPay?

No. RedotPay is funded directly with crypto or stablecoins, so no bank account is needed. That is one reason it became so popular across Latin America.

How much does the RedotPay card cost?

The virtual card has a one-time $10 activation fee and the physical card costs $100. There is no monthly fee on the base card.

Best for

Users without bank access
Latin America and emerging markets
Daily crypto spending

Alternatives

KAST

A stablecoin neobank: hold digital dollars, spend them anywhere with USD cashback.

Bybit Card

Exchange-linked Mastercard with some of the strongest cashback in the market.

Lemon Card

Argentina's crypto app: a free Visa that pays cashback in bitcoin.

This is not financial advice. Conditions change frequently: verify fees, cashback and availability on the official site before signing up.

Pros & cons

Pros

Works in 150+ countries, including most of LatAm
Virtual card issued in minutes with light KYC
No monthly fee on the base card
Apple Pay and Google Pay support

Cons

No cashback without the paid Pro membership
Non-USD purchases cost ~2.2% in combined fees
Custodial: the balance is held by RedotPay
$100 activation for the physical card

FAQ

Do I need a bank account to use RedotPay?

No. RedotPay is funded directly with crypto or stablecoins, so no bank account is needed. That is one reason it became so popular across Latin America.

How much does the RedotPay card cost?

The virtual card has a one-time $10 activation fee and the physical card costs $100. There is no monthly fee on the base card.