Blackcatcard
Prepaid Mastercard with free Malta EUR IBAN. Choose between 4% annual interest on balance OR 5% cashback on specific categories (e.g. 5% on Google Play). Supports Binance Pay top-ups and crypto transfers. Inactivity fee of €15/month after 6 months.
Is the Blackcatcard worth it?
The Blackcatcard is a prepaid card on Mastercard, paying up to 5% back on spend. Whether it suits you comes down to the trade-offs below.
GOOD FIT IF
- you want up to 5% back on everyday spending
- you don't want to stake or lock up a token to earn the rate
THINK TWICE IF
- you want to hold your own keys — this card is custodial
- a fixed cost is a dealbreaker — the annual fee is Free (additional card €7 + €2/month)
How we rate the Blackcatcard
- Cost25%2.5 / 5
Free to open, but non-EUR spending costs 3%, topping the card up costs 3%, and a dormant account is charged €15 a month. ATM withdrawals are free to €200 a month.
- Conditions25%4.0 / 5
No stake or subscription is required for the everyday rate, but the 5% headline applies only at Google Play, ten times the rate you earn elsewhere.
- Rewards25%2.5 / 5
0.5% on general spending, capped at €100 a month, plus 5% at Google Play and 2% at Amazon. A separate balance reward pays up to 4% a year.
- Reliability25%3.5 / 5
A regulated Maltese EMI with a published price list, though the product has just been rebranded as Blackcat and its new site no longer describes any crypto features.
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 5%
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 5%, 0.5% on all card purchases (max €100/month), 5% at Google Play, 2% at Amazon (max €50/month), plus up to 4% a year on your balance. All paid in EUR, paid in EUR. No staking required for the base rate.
Fees you'll actually meet
ℹ️ 0.5% on all card purchases (max €100/month), 5% at Google Play, 2% at Amazon (max €50/month), plus up to 4% a year on your balance. All paid in EUR.
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.
The first €200 each month is free in the EU; 1% (minimum €1.50) after that.
Strengths and trade-offs
WORKS FOR YOU IF
- Free IBAN account
- 4% annual interest or 5% category cashback
- Apple Pay and Google Pay
- Crypto top-up via Binance Pay
- EU regulated
LOOK ELSEWHERE IF
- 3% FX fee on non-EUR transactions
- €15/month inactivity fee after 6 months
- Additional card fee €7 + €2/month maintenance
- EU only
What sets it apart
- Free Malta EUR IBAN
- Choice between 4% interest or 5% cashback
- Binance Pay top-up supported
Common questions
Where can I use the Blackcatcard?
Does the Blackcatcard have an annual fee?
Do I need to stake anything to earn rewards?
How much can I earn with the Blackcatcard?
Does it work with Apple Pay and Google Pay?
Figures on this page come from Papaya Ltd.'s published card terms and were verified on September 16, 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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