Crypto Card Inactivity Fees: What Happens to a Card You Stop Using

A crypto card you stop using can still cost money. Some issuers charge a monthly fee once a card has been idle for a set time, one can take a share of the balance itself, and others simply cancel or expire the card.

Cards that charge a monthly fee

• Blackcatcard: €15 a month once an account has been dormant for 6 months, and €50 a month on a closed account.
• Bitrefill Card: €10 a month after 12 months with no spending or cash-out. Bitrefill emails a month and a week before it starts.
• Crypto.com Visa: US$5.95 a month after 12 months with no card activity, and €6 in Europe.
• Tap Card: £3 a month after 12 months with no card use.

A fee taken from the balance

• SolCard: after 90 days with no login, purchase or top-up, SolCard may take up to 10% of the card balance each month, or the whole balance once it falls below $1. Its card agreement says charging it is at SolCard's discretion, and any login ends it. Our report has the details.

Rewards that are clawed back

• Fold Card: no fee on the card, but after 12 months with no activity Fold takes back 1,000,000 sats a month from your rewards balance until it is empty.

Cards that expire or can be cancelled

• Laso Card: its single-load cards expire six months after they are issued, and any unspent balance goes with them.
• Cryptocard: a card with no top-up or purchase for 90 days may be cancelled. Cryptocard says it emails 15 days before and explains how to recover the balance.
• Privacy Gateway Card: no inactivity fee is listed, but its terms say cards inactive for an extended period may be cancelled and the balance may not be recoverable. A loaded balance cannot be withdrawn either, so the only way to use it is to spend it.
• Onboard Flex Card: no inactivity fee, but $1 has to stay on an active card, and a card below that is frozen until you fund it again.

Before you put a card away

1. Check the card's page for its inactivity terms. We list them under fees on every card we track.
2. Spend or withdraw the balance, and claim any rewards still pending.
3. Close the card in the app if you will not use it again, rather than leaving it to run into a fee.
4. If you want to keep it, a single small purchase or top-up inside the inactivity period resets the clock on every card above.

Sources: each card's own terms and fee pages, as listed on its cryptocards.one page: Blackcatcard pricing, Bitrefill Card pricing, Crypto.com card fee schedule, Tap fees, the SolCard Card Agreement (27 September 2026), Fold's help centre, Laso's card terms, Cryptocard's terms (12 October 2026), Privacy Gateway's terms (March 2026) and Onboard's fee list. Checked 17 October 2026.

Common questions

Cards mentioned in this article

• 
  SolCardSC PAYMENTS LtdNone
• 
  BlackcatcardPapaya Ltd.Up to 5%
• 
  Bitrefill CardAirfill Prepaid AB2%
• 
  Crypto.com VisaCrypto.comUp to 4.5%
• 
  Tap CardTap Global LtdUp to 8%
• 
  Fold CardSutton BankUp to 3%
• 
  Laso CardLaso FinanceNone
• 
  Cryptocardcryptocard.la10% on subscriptions
• 
  Privacy Gateway CardPrivacy GatewayNone
• 
  Onboard Flex CardOnboardNone

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