Home/All cards/Cryptocard
PREPAID · VISANo annual fee🎁 $10 with a first top-up of $10 or more (first 100 sign-ups, until 31 October 2026)

Cryptocard

by cryptocard.la · Most countries worldwide, across the Americas…

Cryptocard is a free virtual Visa Signature card in US dollars from cryptocard.la, topped up with USDT or USDC at a 1.5% conversion fee. US dollar purchases cost nothing, while its terms add 2% over Visa's rate on other currencies, and ATMs cost 3.5%. It works with Apple Pay and Google Pay, needs ID verification, and until the end of 2026 gives 10% back on subscriptions, up to $5 a month. It is run by Pakal Labs LLC and not offered in 19 countries.

By the cryptocards.one team·Terms checked October 16, 2026·Referral link, see our affiliate disclosure
Cryptocard — Prepaid card — on the Visa network
MAX REWARD
10% on subscriptions
ANNUAL FEE
None
FX FEE
2%
VERDICT

Is the Cryptocard worth it?

The Cryptocard is a prepaid card on Visa, paying 10% back on subscriptions, with no annual fee. Whether it suits you comes down to the trade-offs below.

GOOD FIT IF

  • you want 10% back on subscriptions
  • 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
KEY FACTS

The card at a glance

CARD TYPE
Prepaid
Card category
NETWORK
Visa
Where it's accepted
ANNUAL FEE
None
Issuance and maintenance are free.
MAX REWARD
10% on subscriptions
Top published rate
See reward details ↓
REWARDS IN
USD
How rewards are paid
FX FEE
2%
On foreign-currency spend
See fee details ↓
REGION
Most countries worldwide, across the Americas, Europe, Asia and beyond (NOT available in: Afghanistan, Belarus, China, Cuba, India, Iran, Iraq, Israel, Myanmar, Nepal, Nicaragua, North Korea, Russia, Syria, Turkey, Ukraine, Venezuela, Vietnam, Yemen)
Where it's available
STAKING
Not required
Lock-up to earn rewards
SIGNUP BONUS
$10 with a first top-up of $10 or more (first 100 sign-ups, until 31 October 2026)
Welcome offer
WHO RUNS AND ISSUES THE CARD
Pakal Labs LLC (Wyoming, US); issuer not named
Cryptocard says it is a technology company, not a bank. The card is issued by "a regulated financial institution through our card program partner", which holds the balance; neither is named. The issuer's cardholder agreement is shown when the card is issued and takes precedence over Cryptocard's terms.
WHAT YOU NEED
An email, a photo of your ID and a selfie
Verification is done from your phone and usually takes minutes, according to Cryptocard. You must be 18 or over. Residents of countries on watchlists such as the FATF grey list may face an extra review by the issuer.
APP
Web app, installable on your phone
Balance, top-ups, transactions, freeze and unfreeze, and the card PIN are all in the dashboard at app.cryptocard.la.
VISA SIGNATURE BENEFITS
Lounge access by app (pay per visit), online doctor, travel assistance, digital concierge
Lounges are through Visa Airport Companion: more than 1,200 lounges with a QR code and a per-visit fee, plus airport transfers and discounts. Single purchases of up to $50,000.
YOUR BALANCE
Held in US dollars by the issuer
It earns no interest and is not covered by deposit insurance in any country. If you close the account, Cryptocard says it will explain how to recover the balance as the issuer allows, and network costs may apply.
NOT ALLOWED
Buying crypto with the card · use in Cuba, Iran, North Korea, Russia, Syria, Ukraine or Venezuela
Funds from mixers or anonymising services are also barred, and the issuer may hold funds from addresses linked to illicit or high-risk activity.
REWARDS

Earning 10% on subscriptions

The headline rate is the highest rate this card advertises. The summary below sets out what it depends on, such as the plan, the kind of spending and any monthly cap.

Reward summary

Up to 10% on subscriptions, paid in USD. No staking required for the base rate.

  • 10% back on digital subscriptions and services such as ChatGPT, Claude, Netflix, Spotify, Adobe and Canva, up to $5 a month, credited to the card balance a few days after the purchase.
  • It is a promotion for purchases from 12 October to 31 December 2026, which Cryptocard may extend.
  • Hosting, games and in-game credit do not count.
  • Cashback can be spent but not withdrawn.
COSTS

Fees you'll actually meet

Annual fee
Cost to hold the card each year
None
Issuance and maintenance are free.
Monthly fee
Recurring account cost
None
No monthly fee. Cryptocard's terms say it will give at least 30 days' notice by email or in the app before changing its fees.
FX spread
Applied on foreign-currency spend
2%
The card is in US dollars, and US dollar purchases cost nothing. Cryptocard's terms (12 October 2026) charge Visa's exchange rate plus a 2% currency conversion fee on purchases in other currencies; its pricing table says only "Visa exchange rate". The terms add that the fee applies when a merchant prices in another currency even while showing dollars, or charges you in your local currency.
ATM withdrawal
Cash withdrawal cost
3.5%
Cash is available at ATMs that accept contactless Visa, by tapping your phone with Apple Pay or Google Pay. Each withdrawal costs 3.5% plus whatever the ATM owner charges, and the other-currency fee applies if the ATM pays out in another currency.
Crypto conversion
When spending crypto directly
1.5%
USDT or USDC is converted to US dollars at 1.5% of the amount loaded when it arrives. Each card has its own deposit address on Polygon, BNB Chain, Base or Solana; the minimum top-up is $10, and smaller amounts may not be credited. You also pay the network fee.
Issuance fee
One-off cost to get the card
Free
The virtual card is free to issue. One account and one card per person.
Inactivity fee
Charged if the card goes unused
None
No fee, but a card with no top-ups or purchases for 90 days may be cancelled. Cryptocard says it emails 15 days before, and explains how to recover any balance before closing the card.
High-risk merchants
Cryptocard's terms add 1% at merchants such as gambling sites.
An extra 1%
SPENDING LIMITS

How much you can spend

Published by the issuer. One set of limits applies wherever the card is available.

Cryptocard spending limits by country
CountryPer transactionPer month
All countries$50,000$100,000

From Cryptocard's specifications. The terms say your monthly limit is shown in the app and may be adjusted for security or compliance reasons, or at the issuer's request.

ATM withdrawal limits: Cryptocard publishes no separate ATM limit.

VERDICT

Strengths and trade-offs

WORKS FOR YOU IF

  • No issuance fee and no monthly fee
  • No fee on purchases in US dollars
  • Apple Pay and Google Pay, including contactless ATMs
  • Top up with USDT or USDC on Polygon, BNB Chain, Base or Solana, from $10
  • Visa Signature: lounge access by app, online doctor, travel assistance
  • 10% back on subscriptions until the end of 2026, up to $5 a month

LOOK ELSEWHERE IF

  • 1.5% on every top-up
  • 2% over Visa's rate on purchases in other currencies, under the terms
  • 3.5% on ATM withdrawals, plus the ATM owner's fee
  • The subscription cashback is capped at $5 a month and is a promotion
  • Issuer not named
  • Virtual only, and the app is a web app
  • Not offered to residents of 19 countries, including India, Turkey and Ukraine
STANDOUT FEATURES

What sets it apart

  • Visa Signature tier on a free card
  • A deposit address of its own for each card
  • Human support only, with no bots
✓ Apple Pay✓ Google Pay✓ No staking
IN THE NEWS

Latest news & analysis

ABOUT THIS CARD

Common questions

Where can I use the Cryptocard?

Does the Cryptocard have an annual fee?

Do I need to stake anything to earn rewards?

How much can I earn with the Cryptocard?

Does it work with Apple Pay and Google Pay?

Figures on this page come from cryptocard.la's published card terms and were verified on October 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.

CRYPTOCARD.LA
Up to 10% on subscriptions
No annual fee · 2% over Visa's rate FX
Apply now →
You apply on the issuer's own site. We may earn a referral fee.

Not sure this is the one?

Put it next to two others, or answer a few questions instead.

Compare cards →Find my card