Ugly Visa
Stablecoin-funded prepaid Visa card for the US and Latin America, with no annual or monthly fee. Pays 1% cashback on card purchases in RSR tokens, credited every Friday.
Is the Ugly Visa worth it?
The Ugly Visa is a prepaid card on Visa, paying up to 1% 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% 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
How we rate the Ugly Visa
- Cost25%4.0 / 5
No card, monthly or opening fee, with FX from 0% in El Salvador to about 1% elsewhere. ATM withdrawals cost $1 plus 1.5%.
- Conditions25%5.0 / 5
Nothing to stake, hold or subscribe to — the 1% applies from the first purchase.
- Rewards25%2.5 / 5
1% on card purchases, paid weekly in RSR tokens rather than dollars, so the value depends on that token. ATM and cash-like transactions earn nothing.
- Reliability25%3.0 / 5
A formal published user agreement updated in April 2026, though it contradicts itself on ATM fees and the operator is small.
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 1%
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%, 1% cashback on card purchases, paid weekly in RSR tokens. ATM withdrawals and cash-like transactions don't earn it, paid in RSR. No staking required for the base rate.
Fees you'll actually meet
ℹ️ 1% cashback on card purchases, paid weekly in RSR tokens. ATM withdrawals and cash-like transactions don't earn it.
How much you can spend
Published by the issuer. One set of limits applies wherever the card is available. Verify with the issuer before relying on a limit.
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.
ATM withdrawals cost $1 plus 1.5% and do not earn cashback.
Strengths and trade-offs
WORKS FOR YOU IF
- 1% cashback on every purchase, paid weekly
- No annual, monthly or card fee
- No FX fee in El Salvador
- US and 15 Latin American countries
LOOK ELSEWHERE IF
- Custodial model
- Limited info on tier structure
What sets it apart
- Simple straightforward design
- Global availability
Latest news & analysis
Common questions
Where can I use the Ugly Visa?
Does the Ugly Visa have an annual fee?
Do I need to stake anything to earn rewards?
How much can I earn with the Ugly Visa?
Does it work with Apple Pay and Google Pay?
Figures on this page come from UglyCash'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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