1inch Card
Connects the 1inch DeFi wallet to Mastercard via Baanx Crypto Life infrastructure. Physical and virtual card for spending crypto converted to fiat. CryptoDraft option lets you borrow against assets rather than selling them.
Is the 1inch Card worth it?
The 1inch Card is a prepaid card on Mastercard, paying up to 2% back on spend, with no annual fee. Whether it suits you comes down to the trade-offs below.
GOOD FIT IF
- you want up to 2% back on everyday spending
- you don't want to stake or lock up a token to earn the rate
- you want a card with no annual fee
THINK TWICE IF
- you want to hold your own keys — this card is custodial
- you're outside UK, EEA
How we rate the 1inch Card
- Cost25%2.0 / 5
No annual or monthly fee, but every purchase carries a 2% card-spend fee on top of 1.75% to convert crypto to fiat, and moving money back to a bank costs 3.49%.
- Conditions25%5.0 / 5
Rewards are available from the start with no stake, plan or balance, and the advertised 2% is the rate you actually get.
- Rewards25%3.5 / 5
2% back if you take rewards in BXX, or 1% in BTC or USDT. The 2% card-spend fee means only the BXX option roughly breaks even.
- Reliability25%3.5 / 5
Monavate-issued with a published platform fee schedule, but ATM charges appear nowhere official and the card's own pages carry no fee detail.
Four criteria, each worth 25%, scored by us against the issuer's published terms — the total above is their average, not a separate judgement. Scored September 16, 2026. Read the full scoring model. No issuer can pay to change a score.
The card at a glance
Earning Up to 2%
The headline rate is usually the top of a band, not a flat rate on everything. In practice most spending earns the base rate, and the higher figure applies to selected merchants, campaigns or staking tiers.
Up to 2%, 1% back in BTC or USDT, or 2% if you take rewards in BXX. Every card purchase also carries a 2% card-spend fee, and converting crypto to fiat costs 1.75%, paid in BTC, USDT or BXX. No staking required for the base rate.
Fees you'll actually meet
ℹ️ 1% back in BTC or USDT, or 2% if you take rewards in BXX. Every card purchase also carries a 2% card-spend fee, and converting crypto to fiat costs 1.75%.
How much you can spend
Published by the issuer. One set of limits applies wherever the card is available.
Reported by card reviews; Crypto Life does not publish card limits.
How much cash you can take out
The maximum total you can withdraw in each period. One set of limits applies wherever the card is available.
Reported by card reviews; Crypto Life does not publish card limits.
Strengths and trade-offs
WORKS FOR YOU IF
- DeFi wallet integration
- Borrow against crypto via CryptoDraft
- No FX markup (a 2% card-spend fee still applies)
- Apple Pay and Google Pay
- UK and EEA coverage
LOOK ELSEWHERE IF
- UK and EEA only
- Custodial via Baanx
- Up to 2% cashback only
What sets it apart
- CryptoDraft — borrow against assets instead of selling
- 1inch DeFi wallet integration
- Baanx infrastructure
Latest news & analysis
Common questions
Where can I use the 1inch Card?
Does the 1inch Card have an annual fee?
Do I need to stake anything to earn rewards?
How much can I earn with the 1inch Card?
Does it work with Apple Pay and Google Pay?
Figures on this page come from Monavate Ltd's published card terms and were verified on October 3, 2026. Rewards, fees and availability change often and vary by region. See our methodology for how we score and verify every card. This is not financial advice.
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