Shakepay Card
Virtual-only prepaid Visa for the Canadian market rewarding exclusively in Bitcoin. Features ShakeSquads social stacking, ShakingSats daily app engagement rewards, and high-yield interest on cash balances paid in BTC. Three-tier Reward Status system updated monthly.
Is the Shakepay Card worth it?
The Shakepay Card is a prepaid card on Visa, paying up to 1.5% 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 1.5% 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
THINK TWICE IF
- you want to hold your own keys — this card is custodial
- you're outside Canada
How we rate the Shakepay Card
- Cost25%3.5 / 5
No annual or card fee and no Shakepay ATM charge, but foreign spending costs 3% at the entry status, falling to 1.5% and then 0% as your activity rises.
- Conditions25%4.5 / 5
The rate is set by monthly activity rather than a stake — $100 exchanged or $200 in direct deposits moves you up — and the top rate is only 1.5%.
- Rewards25%3.0 / 5
1% in bitcoin at the everyday status, 1.5% at the top one, credited automatically to your bitcoin balance.
- Reliability25%4.0 / 5
Issued by Peoples Trust, Canada-only, with statuses, fees and limits all documented in its own help centre.
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 1.5%
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 1.5%, 1% in bitcoin on Base and Bright, 1.5% on Blue. Your status is set each month by how much you exchange or receive in direct deposits, paid in Bitcoin (BTC). No staking required for the base rate.
Fees you'll actually meet
ℹ️ 1% in bitcoin on Base and Bright, 1.5% on Blue. Your status is set each month by how much you exchange or receive in direct deposits.
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.
Up to $500 per ATM withdrawal. Shakepay charges no ATM fee, but the machine's operator may.
Strengths and trade-offs
WORKS FOR YOU IF
- Free — no annual or monthly fees
- Bitcoin rewards exclusively
- Social stacking with friends
- Canada-focused
- Apple Pay and Google Pay
LOOK ELSEWHERE IF
- Canada only
- Virtual card only — no physical
- Bitcoin only rewards
- Reward rates change monthly
What sets it apart
- ShakeSquads — earn BTC with friends on every purchase
- ShakingSats daily engagement rewards
- BTC interest on cash balances
- Gamified reward status system
Common questions
Where can I use the Shakepay Card?
Does the Shakepay Card have an annual fee?
Do I need to stake anything to earn rewards?
How much can I earn with the Shakepay Card?
Does it work with Apple Pay and Google Pay?
Figures on this page come from Peoples Trust Company's published card terms and were verified on October 3, 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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