Binance Card
Binance runs its Mastercard as separate regional programmes. In Colombia and Peru it is the Binance Card Global Program, a virtual card operated by Immersve. In Brazil it is the Binance Brazil Card, issued by Pomelo, which adds an optional physical card. Cashback is based on monthly eligible spending, with rates up to 3% and a monthly cashback cap.
Is the Binance Card worth it?
The Binance Card is a prepaid card on Mastercard, paying up to 3% 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 3% 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
- you want to start spending the day you sign up
THINK TWICE IF
- you want to hold your own keys — this card is custodial
- you're outside Brazil, Peru, Colombia
How we rate the Binance Card
- Cost25%3.5 / 5
No annual or monthly fee. FX is 0% in Colombia and Peru and 1–2% in Brazil, and spending crypto adds a 0.9% conversion fee.
- Conditions25%4.5 / 5
Cashback tiers are reached by monthly spending alone — no staking or token holding — though the top tier caps rewards at $100 a month.
- Rewards25%3.5 / 5
Up to 3% by spending tier, paid in BTC equivalent or USDC. Binance does not publish the spending thresholds, so the mid-tier rate is an estimate.
- Reliability25%4.0 / 5
Large, established issuer with regional terms published, and our figures were re-checked this month. The programme covers only Brazil, Peru and Colombia.
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 3%
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 3%, 3 cashback tiers based on monthly eligible spending; rates reset each calendar month and Tier 3 is capped at $100 equivalent per month, paid in BRL in Brazil; USDC or BTC equivalent in Colombia and Peru. No staking required for the base rate.
Fees you'll actually meet
ℹ️ 3 cashback tiers based on monthly eligible spending; rates reset each calendar month and Tier 3 is capped at $100 equivalent per month
Strengths and trade-offs
WORKS FOR YOU IF
- No annual fee
- No card issuance fee
- Up to 3% cashback based on monthly spending
- Accepted at Mastercard merchants
- Google Wallet supported
LOOK ELSEWHERE IF
- Virtual card only under the current Global Program
- FX fees vary by country
- Crypto conversion fees apply depending on the asset and transaction
What sets it apart
- Virtual card under the Global Program
- Spend crypto at Mastercard merchants
- Three-tier cashback system based on monthly eligible spending
- Operated by Immersve
- Google Wallet supported
Latest news & analysis
Common questions
Where can I use the Binance Card?
Does the Binance Card have an annual fee?
Do I need to stake anything to earn rewards?
How much can I earn with the Binance Card?
Does it work with Apple Pay and Google Pay?
Figures on this page come from Binance — Brazil, Peru & Colombia'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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