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PREPAID · VISANo annual fee

Laso Card

by Laso Finance · United States, Canada and 100+ countries on the…

Laso Finance sells virtual prepaid cards funded with crypto and needing no ID upload: you sign in with a wallet, deposit stablecoins and order a card. There are three versions. The US and Canada cards carry no fee and are issued in seconds, but only work inside their own country. The international card costs 3.8% to buy, plus about 2% on non-USD purchases, and is sold in 100+ countries. Every card is single-load, holds up to $1,000, works with Google Pay and Samsung Pay, and expires after 6 months along with any unspent balance. Laso's reloadable card, which needs an identity check, is a separate product and is not covered here.

By the cryptocards.one team·Terms checked October 4, 2026·Referral link, see our affiliate disclosure
Laso Finance logo
Laso Card
PREPAID
VISA
MAX REWARD
None
ANNUAL FEE
Free
FX FEE
~2%
VERDICT

Is the Laso Card worth it?

The Laso Card is a prepaid card on Visa, with no annual fee. Whether it suits you comes down to the trade-offs below.

GOOD FIT IF

  • you want a card with no annual fee
  • you want to start spending the day you sign up
  • you'd rather not upload ID documents up front

THINK TWICE IF

  • you want cashback on your spending — this card has no published cashback rate
  • 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
Free
Cost to hold the card
MAX REWARD
None
Top published rate
See reward details ↓
REWARDS IN
No cashback
How rewards are paid
FX FEE
~2%
On foreign-currency spend
See fee details ↓
REGION
United States, Canada and 100+ countries on the international card (NOT available in: Afghanistan, Albania, Andorra, Angola, Antigua and Barbuda, Azerbaijan, Bahamas, Bahrain, Bangladesh, Barbados, Belarus, Belize, Bermuda, Bolivia, Brunei, Burundi, Cape Verde, Cambodia, Cameroon, Central African Republic, Chad, China, Republic of the Congo, Cuba, Democratic Republic of the Congo, Dominican Republic, Ecuador, Egypt, Equatorial Guinea, Eritrea, Ethiopia, French Guiana, French Polynesia, Gabon, Ghana, Grenada, Guadeloupe, Guatemala, Guinea, Guyana, Haiti, Honduras, India, Iran, Iraq, Isle of Man, Jamaica, Jersey, Jordan, Kazakhstan, Kenya, Kosovo, Kuwait, Kyrgyzstan, Latvia, Lebanon, Libya, Madagascar, Mali, Martinique, Mauritania, Mauritius, Moldova, Mongolia, Montenegro, Mozambique, Myanmar, Nepal, Nicaragua, Nigeria, North Korea, Pakistan, Palestine, Qatar, Réunion, Russia, Rwanda, Saint Lucia, Saudi Arabia, Seychelles, Sierra Leone, Somalia, South Sudan, Sri Lanka, Sudan, Suriname, Syria, Taiwan, Tajikistan, Togo, Trinidad and Tobago, Tunisia, Turkey, Turks and Caicos Islands, Uganda, Ukraine, Vanuatu, Venezuela, Yemen, Zimbabwe)
Where it's available
STAKING
Not required
Lock-up to earn rewards
CARD VALUE
US $20 to $1,000 · Canada C$5 to C$1,000 · International $100 to $1,000
Chosen when you order and then fixed. The US minimum is $5 when a card is ordered through Laso's API.
WHERE EACH CARD WORKS
US card: United States only · Canada card: Canada only · International card: 100+ countries
For the US and Canada cards you must be physically in that country and buying from a merchant based there. Laso warns that using them anywhere else, even through a VPN, leads to declines and lost funds.
TIME TO RECEIVE THE CARD
US and Canada: seconds · International: up to 24 hours
International cards are redeemed by hand by Laso's team, and can take longer at weekends.
ISSUER
International card: Sunrise Banks N.A. (CardCentral Visa Award Card)
From the international card's cardholder agreement. Laso does not name the issuer or the card network of its US and Canada cards.
3D SECURE
Not supported
A merchant that insists on a 3D Secure check will decline the card.
DEPOSIT NETWORKS
Solana, Ethereum, Base, Arbitrum, Optimism, Polygon, BNB Chain, PulseChain, Stellar, Bitcoin and Lightning
USDC on all of them except Bitcoin; USDT and DAI on most. TRON and TON are not supported.
Compare Laso Card against other cards in:
REWARDS

No cashback rate

Reward summary

No cashback rate is published for this card.

  • Laso pays no cashback or points on card spending.
  • Its only reward scheme is a referral programme: the person who referred you earns a share of the fees you pay, and you get no discount.
COSTS

Fees you'll actually meet

Annual fee
Cost to hold the card each year
Free
Monthly fee
Recurring account cost
None
FX spread
Applied on foreign-currency spend
~2%
Charged by the issuing bank when you pay in a currency other than US dollars with the international card. Laso says the settled rate is usually within 2% to 2.5% of the market rate. Purchases in US dollars carry no FX fee. The US and Canada cards only work with merchants in their own country, so they have no foreign purchases.
ATM withdrawal
Cash withdrawal cost
Not available
ATM withdrawals and cash back are blocked on every Laso card.
Crypto conversion
When spending crypto directly
None on stablecoin deposits
USDC, USDT and DAI are credited at their US dollar value. SOL and bitcoin are swapped into a stablecoin when you deposit them. You pay the network gas fee on the deposit; card purchases cost no gas.
Issuance fee
One-off cost to get the card
0% to 3.8%
The international card costs 3.8% on top of its value when you buy it, so a $100 card costs $103.80. The US and Canada cards cost their face value: Laso says it buys them at a discount and sells them at par. No card has a monthly, annual or per-purchase fee.
Inactivity fee
Charged if the card goes unused
None
There is no inactivity fee, but the card and any unspent balance expire 6 months after the card is issued.
Unspent balance at expiry
Cards expire 6 months after issue. Laso says nobody can retrieve what is left on an expired card; it goes to the card issuer.
Lost
Refund of a card you bought
Laso's help centre says it can't refund a non-reloadable card once sold. Its fees page still lists a 14% refund fee ($10 minimum) “if possible”. Refunds from a merchant go back onto the card as normal.
Not offered
SPENDING LIMITS

How much you can spend

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

Laso Card spending limits by country
CountryPer day
All cards$1,000 per card

A card holds at most $1,000 (C$1,000 on the Canada card) and can't be topped up. You can buy up to 6 cards, or $6,000 of cards, in a day.

VERDICT

Strengths and trade-offs

WORKS FOR YOU IF

  • No ID upload: sign in with a crypto wallet and order a card
  • No fee on the US and Canada cards, and no monthly or per-purchase fee on any card
  • US and Canada cards are issued in seconds
  • Google Pay and Samsung Pay for in-store payments
  • Sold in the US, Canada and 100+ other countries
  • Fund with USDC, USDT or DAI on several networks, or with SOL and bitcoin

LOOK ELSEWHERE IF

  • No cashback or rewards
  • The international card costs 3.8% to buy, plus about 2% on non-USD purchases
  • Single-load: at most $1,000 per card, and it can't be topped up
  • The card and any unspent balance expire after 6 months
  • No refund on a card you have bought, no ATM withdrawals and no Apple Pay
  • US and Canada cards only work inside their own country
  • No 3D Secure, and some merchants decline prepaid cards
  • The international card can take up to 24 hours to arrive, and Laso does not recommend it for in-person use in Czech Republic, France, Ireland, Italy, Poland, Sweden or United Kingdom
STANDOUT FEATURES

What sets it apart

  • Wallet sign-in with no identity documents (Ethereum, Solana or Stellar wallet)
  • Separate US, Canada and international versions of the card
  • Public list of merchants where Laso cards have worked or been declined
  • Cards can also be ordered by AI agents through a pay-per-call API, paid in USDC
✓ Google Pay✓ iOS app✓ Android app✓ No staking
ABOUT THIS CARD

Common questions

Where can I use the Laso Card?

Does the Laso Card have an annual fee?

Does the Laso Card pay cashback?

Does it work with Apple Pay and Google Pay?

Figures on this page come from Laso Finance's published card terms and were verified on October 4, 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.

LASO FINANCE
Laso Card
No annual fee · ~2% on non-USD purchases (international card) FX
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