The card at a glance
CARD TYPE
Secured Credit
Card category
NETWORK
Visa
Where it's accepted
ANNUAL FEE
$10/year (free first year promo)
Cost to hold the card
MAX REWARD
Up to 10%
10% in Copperx Points on general spend; 5% on travel via Copperx Travel portal
REWARDS IN
Copperx Points, USDC
How rewards are paid
FX FEE
1.5%
On foreign-currency spend
REGION
Global virtual card only (no physical card as of 2026; US residents excluded from some features)
Where it's available
STAKING
Not required
Lock-up to earn rewards
SIGNUP BONUS
Free first year promo
Welcome offer
CUSTODY
Self-custody
You hold the keys
Earning Up to 10%
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.
Reward summary
Up to Up to 10%, 10% in copperx points on general spend; 5% on travel via copperx travel portal, paid in Copperx Points, USDC. No staking required for the base rate.
Fees you'll actually meet
Annual fee
Cost to hold the card each year
$10/year (free first year promo)
Monthly fee
Recurring account cost
None
FX spread
Applied on foreign-currency spend
1.5%
ATM withdrawal
Cash withdrawal cost
$1 + 1% + FX fee (max $250/transaction)
Crypto conversion
When spending crypto directly
Free
Issuance fee
One-off cost to get the card
Free
ℹ️ 10% in Copperx Points on general spend; 5% on travel via Copperx Travel portal
Strengths and trade-offs
WORKS FOR YOU IF
✓High 10% points on spend
✓Self-custodial
✓Global availability
✓No credit check
LOOK ELSEWHERE IF
!$10 annual fee after first year
!No Apple Pay or Google Pay yet
!No physical card yet
!1.5% FX fee
!Virtual only
What sets it apart
✦Non-custodial self-custody model
✦10% APY Vault coming soon
✦5% travel cashback via Copperx Travel portal
✓ iOS app✓ Android app✓ Self-custody✓ No staking
Common questions
Where can I use the Copperx Personal Card?
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Does the Copperx Personal Card have an annual fee?
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Do I need to stake anything to earn rewards?
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How much can I earn with the Copperx Personal Card?
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Is this a self-custody card?
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Figures on this page come from Piers Technology Inc's published card terms. 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.
