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SECURED CREDIT · VISANo annual fee

PayitFast Card

by PayitFast · Most countries worldwide (NOT available in:…

The PayitFast Card is a US dollar Visa card backed by the crypto you hold in the PayitFast app, and issued by Third National Bank. The virtual card costs $5 and the physical card $50 (waitlist), with no monthly fee. US dollar purchases are free, other currencies cost 1%, and spending from a crypto balance adds 0.75%. It pays 3% cashback in USDC, capped at $60 a month on the free Standard tier and spendable only on the card. It is not offered in the United States or 61 other jurisdictions.

By the cryptocards.one team·Terms checked October 21, 2026·Referral link, see our affiliate disclosure
PayitFast Card — Secured Credit card — on the Visa network
MAX REWARD
3%
ENTRY PRICE
Free
BASE FX FEE
1%
VERDICT

Is the PayitFast Card worth it?

The PayitFast Card is a secured credit card on Visa, 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
KEY FACTS

The card at a glance

CARD TYPE
Secured Credit
Card category
NETWORK
Visa
Where it's accepted
ANNUAL FEE
None
Cost to hold the card
See fee details ↓
MAX REWARD
3%
Top published rate
See reward details ↓
REWARDS IN
USDC
How rewards are paid
FX FEE
1%
On foreign-currency spend
See fee details ↓
REGION
Most countries worldwide (NOT available in: Abkhazia, Afghanistan, Albania, Azerbaijan, Belarus, Bolivia, Botswana, Burkina Faso, Burundi, Cameroon, Central African Republic, China, Democratic Republic of the Congo, Côte d'Ivoire, Cuba, Ethiopia, Gaza Strip, Ghana, Guatemala, Guinea-Bissau, Haiti, India, Iran, Iraq, Israel, Japan, Kazakhstan, Kyrgyzstan, Lebanon, Libya, Mali, Moldova, Myanmar, Nagorno-Karabakh, Nepal, Nicaragua, North Korea, North Macedonia, Northern Cyprus, Palestine, Russia, Sahrawi Arab Democratic Republic, Senegal, Sierra Leone, Somalia, Somaliland, South Ossetia, South Sudan, Sri Lanka, Sudan, Syria, Tajikistan, Tanzania, Tunisia, Turkey, Ukraine, United States, Venezuela, Vietnam, West Bank, Yemen, Zimbabwe)
Where it's available
STAKING
Not required
Lock-up to earn rewards
WHO RUNS AND ISSUES THE CARD
Issued by Third National Bank through Rain; run by PayitFast (Silverleaf E-Money Services Ltd)
Silverleaf E-Money Services Ltd, trading as PayitFast, is incorporated in British Columbia, Canada, and registered with FINTRAC as a Money Services Business. It says it is a technology company, not a bank, and that accounts, cards, custody and ramps come from licensed partners.
HOW THE CARD IS FUNDED
A credit card secured on your crypto, at 0% APR
The card terms describe a collateralised credit card: your limit follows the market value of the crypto you hold as collateral, and if that value falls too far the collateral can be sold. No interest is charged on purchases today; the terms allow interest on new purchases in future, with notice.
COUNTRIES WHERE THE CARD CANNOT BE USED
Cuba, Iran, North Korea, Russia, Syria, Ukraine, Venezuela
The card also cannot buy crypto, pay unlicensed pharmacies, dark-web or hacking services, escort services, unregulated lenders or data brokers.
WHO CAN SIGN UP
Residents of countries not on PayitFast's prohibited list
PayitFast lists 62 prohibited jurisdictions, including the United States, Japan, India, China, Turkey, Ukraine and Vietnam. Connections to FATF grey-list countries need enhanced checks and approval from its compliance team. If your country is missing from the verification screen, PayitFast says onboarding is not available there.
CASHBACK AND REWARDS
Spendable on the card only
PayitFast's FAQ: promotional credits, referral rewards, cashback and bonus funds "are non-withdrawable and may only be used for eligible card transactions within PayitFast". They cannot be withdrawn as cash or sent to an external wallet.
CRYPTO AND TRANSFERS
Free P2P transfers; crypto deposits and withdrawals at network cost
Supported networks include Ethereum, BNB Smart Chain, Arbitrum, Optimism, Polygon, Avalanche, Solana, Tron, Bitcoin, Dogecoin, Cardano, Polkadot, Sui, Stellar and XRP Ledger. Swaps between crypto cost 0.75%.
REWARDS

Earning 3%

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 3%, paid in USDC. No staking required for the base rate.

  • 3% cashback in USDC on eligible card purchases, capped at $60 a month for Standard members (about $2,000 of spending) and $1,500 a month for Elite members, an Elite offer limited to the first 10,000 eligible members.
  • Cashback cannot be withdrawn or sent to a wallet: it can only be spent on the card.
  • ATM withdrawals, money transfers, crypto purchases, gambling and government payments earn nothing, and refunds reverse it.
PLANS & TIERS

Compare the plans

This card has 2 plans. Select one to see its rate, fees and perks.

Standard
Requirement: The default tier for every verified member
3%
Cashback
PRICE
Free
ATM FEE
$2 + 1.30%
FX FEE
1%
WHAT'S INCLUDED
✓3% cashback in USDC, up to $60 a month
✓$100,000 daily spending limit
✓Free peer-to-peer transfers to other PayitFast users
✓Multi-currency accounts and crypto on- and off-ramps
✓Apple Pay and Google Pay
PlanStandardElite
Cashback3%all plans
PriceFreePaid subscription (price in app)
ATM fee$2 + 1.30%all plans
FX fee1%all plans
RequirementThe default tier for every verified memberA paid monthly or annual subscription, or earned through card volume, referrals or balances, according to PayitFast's terms; the price is shown in the app
COSTS

Fees you'll actually meet

Annual fee
Cost to hold the card each year
None
No annual or monthly card fee. The optional Elite membership is a paid subscription whose price is shown in the app; PayitFast does not publish it.
Monthly fee
Recurring account cost
None
PayitFast's fee page lists the monthly card fee as free, with no maintenance fee.
FX spread
Applied on foreign-currency spend
1%
The card is in US dollars, on a US BIN, and US dollar purchases cost nothing. Purchases and withdrawals in another currency cost 1%, which PayitFast says is Visa's network fee, with nothing added by PayitFast. Refunds are converted at the rate on the day of the refund.
ATM withdrawal
Cash withdrawal cost
$2 + 1.3%
Each ATM withdrawal costs $2 plus 1.30% of the amount, plus 1% FX if the ATM pays out in another currency. PayitFast lists per-withdrawal limits for its physical cards: $2,000 on the PVC card, $5,000 on the dynamic-CVV metal or LED card and $10,000 on the Signature Jewellery card. The physical card is on a waitlist.
Crypto conversion
When spending crypto directly
0.75%
Spending directly from a crypto balance costs 0.75% per transaction, and so does swapping one crypto for another. Crypto deposits and withdrawals carry only the network fee. Buying crypto with a card or bank transfer costs from 1.40% (SEPA) to 2.99% (cards) and more on some local methods.
Issuance fee
One-off cost to get the card
$5
The virtual Visa Platinum card costs $5 and is issued straight after identity checks. The physical Visa Signature card (PVC) costs $50 and is on a waitlist. Replacing a lost or stolen card costs $3 (virtual) or $30 (physical).
Inactivity fee
Charged if the card goes unused
None
PayitFast's fee page and card terms list no inactivity fee.
Declined purchases
PayitFast also warns that repeated declines can trigger a security review and a temporary card block. A lost chargeback claim costs $35; legitimate disputes are free.
$2 per decline for insufficient balance
SPENDING LIMITS

How much you can spend

Published by the issuer and set per country. Figures are in each market's own currency.

PayitFast Card spending limits by country
CountryTierPer day
All countriesStandard$100,000
All countriesElite$5,000,000

Per-transaction and monthly limits and the account balance limit are set in the app. Because the card is backed by your crypto, your spending limit also depends on the value of that collateral.

ATM withdrawal limits: Per withdrawal: $2,000 on the PVC card, $5,000 on the metal or LED card, $10,000 on the Signature Jewellery card. PayitFast publishes no daily or monthly ATM limit.

VERDICT

Strengths and trade-offs

WORKS FOR YOU IF

  • 3% cashback in USDC on card purchases
  • No monthly or annual card fee; the virtual card costs $5
  • No fee on US dollar purchases, and 1% on other currencies
  • Apple Pay and Google Pay
  • Free transfers to other PayitFast users, and free crypto deposits and withdrawals

LOOK ELSEWHERE IF

  • Cashback capped at $60 a month on the free Standard tier
  • Cashback cannot be withdrawn; it can only be spent on the card
  • Not available to residents of the United States and 61 other jurisdictions
  • Physical card on a waitlist
  • 0.75% when spending straight from a crypto balance, and $2 per declined purchase
  • Backed by your crypto as collateral, which can be sold if its value falls
  • Elite membership price not published
STANDOUT FEATURES

What sets it apart

  • Concierge services on Elite: private jets, yachts, travel, events and personal shopping
  • Local deposit methods in more than 20 countries, from PIX and SPEI to M-Pesa and GCash
  • Scan-to-pay at local QR merchants in 28 markets (coming soon)
✓ Apple Pay✓ Google Pay✓ iOS app✓ Android app✓ No staking
ABOUT THIS CARD

Common questions

Where can I use the PayitFast Card?

Does the PayitFast Card have an annual fee?

Do I need to stake anything to earn rewards?

How much can I earn with the PayitFast Card?

Does it work with Apple Pay and Google Pay?

Figures on this page come from PayitFast's published card terms and were verified on October 21, 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.

PAYITFAST
Up to 3%
No annual fee · 1% FX
Apply now →
You apply on the issuer's own site. We may earn a referral fee.

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