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THORWallet Card: spend crypto anywhere Mastercard is accepted, in 175+ countries, with 0% top-up fees and 0.5% USDC cashback on Premium
PREPAID · MASTERCARDNo annual fee🎁 With an invite code the Basic card is free (instead of $5) and Premium costs $99 (instead of $124)

THORWallet Card

by THORWallet · Afghanistan, Albania, Algeria, Andorra, Anguilla…

The THORWallet Card is a Mastercard you top up with USDC from THORWallet's self-custody wallet, available in 174 countries including the US. The free Basic plan is a virtual card with no cashback. Premium costs $124 once ($99 with an invite code) and adds a physical card, 0.5% cashback in USDC and limits of up to $1,000,000 a month. Both charge 0% on USDC top-ups and 1.5% on foreign-currency purchases. Money you load onto the card sits in a card account run by the card provider, Atomo Sarl, rather than in your wallet. THORWallet's Swiss IBAN account has its own separate card, which is not covered here.

By the cryptocards.one team·Terms checked October 4, 2026·Referral link, see our affiliate disclosure
THORWallet Card — Prepaid card — on the Mastercard network
MAX REWARD
0.5%
ENTRY PRICE
Free or $5
BASE FX FEE
1.5%
VERDICT

Is the THORWallet Card worth it?

The THORWallet Card is a prepaid card on Mastercard, paying up to 0.5% 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 0.5% 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
  • you want your crypto to stay in your own wallet until you spend it
KEY FACTS

The card at a glance

CARD TYPE
Prepaid
Card category
NETWORK
Mastercard
Where it's accepted
ANNUAL FEE
Free
Cost to hold the card
MAX REWARD
0.5%
Top published rate
See reward details ↓
REWARDS IN
USDC
How rewards are paid
FX FEE
1.5%
On foreign-currency spend
See fee details ↓
REGION
Afghanistan, Albania, Algeria, Andorra, Anguilla, Antigua and Barbuda, Argentina, Armenia, Aruba, Australia, Austria, Azerbaijan, Bahamas, Bahrain, Bangladesh, Barbados, Belgium, Belize, Benin, Bermuda, Botswana, Brazil, Brunei, Burkina Faso, Burundi, Cambodia, Canada, Cayman Islands, Central African Republic, Chad, Chile, Colombia, Comoros, Republic of the Congo, Costa Rica, Croatia, Cuba, Curaçao, Cyprus, Czech Republic, Denmark, Djibouti, Dominica, Dominican Republic, Ecuador, Egypt, El Salvador, Equatorial Guinea, Eritrea, Estonia, Eswatini, Ethiopia, Fiji, Finland, France, Gabon, Gambia, Georgia, Germany, Ghana, Gibraltar, Greece, Grenada, Guernsey, Guinea, Guinea-Bissau, Guyana, Honduras, Hong Kong, Hungary, Iceland, Indonesia, Ireland, Isle of Man, Israel, Italy, Jamaica, Japan, Jersey, Jordan, Kazakhstan, Kiribati, Kosovo, Kyrgyzstan, Latvia, Lesotho, Liberia, Libya, Liechtenstein, Lithuania, Luxembourg, Macau, Madagascar, Malaysia, Maldives, Mali, Malta, Marshall Islands, Mauritania, Mauritius, Mexico, Micronesia, Moldova, Mongolia, Montserrat, Morocco, Mozambique, Namibia, Nauru, Netherlands, New Zealand, Nicaragua, Niue, North Macedonia, Norway, Oman, Pakistan, Palau, Panama, Paraguay, Peru, Philippines, Poland, Portugal, Puerto Rico, Qatar, Romania, Rwanda, Saint Kitts and Nevis, Saint Lucia, Saint Vincent and the Grenadines, San Marino, São Tomé and Príncipe, Saudi Arabia, Senegal, Serbia, Seychelles, Sierra Leone, Singapore, Slovakia, Slovenia, Solomon Islands, Somalia, South Africa, South Korea, Spain, Sri Lanka, Suriname, Sweden, Switzerland, Taiwan, Tajikistan, Tanzania, Thailand, Timor-Leste, Togo, Tonga, Trinidad and Tobago, Tunisia, Turkey, Turkmenistan, Turks & Caicos Islands, Tuvalu, Uganda, Ukraine, United Arab Emirates, United Kingdom, United States, Uruguay, Uzbekistan, Vanuatu, Vatican City, Zambia, Zimbabwe (NOT available in: Angola, Belarus, Bolivia, Bosnia and Herzegovina, British Virgin Islands, Bulgaria, Cameroon, China, Democratic Republic of the Congo, Côte d'Ivoire, Haiti, India, Iran, Iraq, Kenya, Kuwait, Laos, Lebanon, Monaco, Myanmar, Nepal, Nigeria, North Korea, Papua New Guinea, Russia, South Sudan, Sudan, Syria, Venezuela, Vietnam, Yemen)
Where it's available
STAKING
Not required
Lock-up to earn rewards
SIGNUP BONUS
With an invite code the Basic card is free (instead of $5) and Premium costs $99 (instead of $124)
Welcome offer
CUSTODY
Self-custody
You hold the keys
CARD PROVIDER
Atomo Sarl (Unblock card programme)
THORWallet's terms say the card contract, the identity check and card support sit with the provider, not with THORWallet.
TOP-UP CURRENCY
USDC
The card is in US dollars and is loaded with USDC from your THORWallet wallet. Other tokens are swapped to USDC in the app first.
TIME TO GET A CARD
About 5 minutes for the virtual card
The physical card comes with Premium and is posted only to countries THORWallet supports for delivery.
Compare THORWallet Card against other cards in:
REWARDS

Earning 0.5%

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.

Reward summary

Up to 0.5%, paid in USDC. No staking required for the base rate.

  • 0.5% back in USDC on the Premium card only; the Basic card earns nothing.
  • It applies to the first $5,000 of eligible card spend a month for the first 12 months, and to the first $2,000 a month after that unless you stake TITN.
  • Cash withdrawals, money transfers, gambling, crypto purchases and gift cards don't count.
  • Paid to your wallet.
PLANS & TIERS

Compare the plans

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

Basic
Requirement: Identity check; an invite code waives the $5 fee
None
Cashback
PRICE
Free or $5
ATM FEE
$1 domestic; $5 international
FX FEE
1.5%
WHAT'S INCLUDED
✓Virtual Mastercard, ready in about 5 minutes
✓0% fee on USDC top-ups
✓Card payments up to $20,000 each, $50,000 a day and $100,000 a month
✓Starts at a $10,000 monthly limit until an extra review is passed
✓Standard 24/7 chat support
PlanBasicPremium
CashbackNone0.5%
PriceFree or $5$124 ($99 with invite)
ATM fee$1 domestic; $5 internationalall plans
FX fee1.5%all plans
RequirementIdentity check; an invite code waives the $5 feeOne-off Premium fee, paid in USDC
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
1.5%
A 1.5% markup on top of the Mastercard rate on purchases in a currency other than US dollars. It is the same on Basic and Premium.
ATM withdrawal
Cash withdrawal cost
$1 to $5
$1 per withdrawal at home and $5 abroad, on both plans.
Crypto conversion
When spending crypto directly
0%
Topping up the card with USDC is free. Any other token has to be swapped to USDC in the app first, at THORWallet's swap fee: 1.25%, or 0.5% during a Premium member's first 12 months.
Issuance fee
One-off cost to get the card
$0 to $124
One-off, with no subscription. The Basic virtual card is free with an invite code and $5 without one. Premium costs $124, or $99 with an invite code, paid in USDC, and includes a physical card with delivery. THORWallet's terms treat the Premium price as a membership fee; it is non-refundable after a 14-day withdrawal period.
Premium refund
After 14 days the Premium fee is non-refundable. Within them, THORWallet deducts what you have already used: $6 for a physical card, its delivery, any cashback and any swap-fee savings.
14 days, less benefits used
SPENDING LIMITS

How much you can spend

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

THORWallet Card spending limits by country
CountryTierPer transactionPer dayPer month
All countriesBasic$20,000$50,000$100,000
All countriesPremium$100,000$500,000$1,000,000

Basic starts at $10,000 a month after the standard identity check; the $100,000 limit follows an extra review in the app. Premium limits can be raised on request. THORWallet describes all limits as indicative.

ATM WITHDRAWAL LIMITS

How much cash you can take out

The maximum total you can withdraw in each period. Set per country, in each market's own currency.

THORWallet Card ATM withdrawal limits by country, showing the maximum total value for each period
CountryTierWithin 24 hoursPer month
All countriesBasic$10,000$20,000
All countriesPremium$10,000$60,000

Up to $2,500 per withdrawal on both plans.

VERDICT

Strengths and trade-offs

WORKS FOR YOU IF

  • Available in 174 countries, including the United States
  • No monthly or annual fee, and 0% on USDC top-ups
  • Your crypto stays in your own wallet until you top up the card
  • Flat 0.5% USDC cashback on Premium, with no staking or spend tiers
  • High limits: up to $1,000,000 a month on Premium
  • Basic virtual card is free with an invite code

LOOK ELSEWHERE IF

  • No cashback on the Basic card
  • Premium costs $124 up front, and its cashback is capped at $25 a month
  • The cashback cap falls to $10 a month after the first year unless you stake TITN
  • 1.5% FX markup on purchases outside US dollars
  • Tokens other than USDC must be swapped first, at a 1.25% swap fee on Basic
  • Identity check required, carried out by the card provider
  • Not available in 31 countries, including India, Nigeria, China and Russia
STANDOUT FEATURES

What sets it apart

  • Self-custody wallet: keys stay on your device and the card is topped up only when you want to spend
  • Fund from 20,000+ tokens across supported chains, swapped to USDC in the app
  • One-off price instead of a subscription
  • Machine-readable country list published by THORWallet
✓ iOS app✓ Android app✓ Self-custody✓ No staking
ABOUT THIS CARD

Common questions

Where can I use the THORWallet Card?

Does the THORWallet Card have an annual fee?

Do I need to stake anything to earn rewards?

How much can I earn with the THORWallet Card?

Is this a self-custody card?

Figures on this page come from THORWallet'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.

THORWALLET
Up to 0.5%
No annual fee · 1.5% FX
Apply now →
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