Spend directly from your account balance, with no Core membership monthly or annual fee.
Eligible regions only. 3% on the first $2,000/month standard spend or $800 USD-equivalent EUR spend; shared counter, then lower tiers. 7-day lock, $5 minimum claim; fees apply.
Residence filter; identity and nationality rules apply.
First $2,000/month standard spend or $800 USD-equivalent EUR spend, then lower tiers; 7-day lock and $5 minimum claim.
Direct Pay has no borrowing interest; collateral-backed Borrow Mode accrues variable interest.
EUR exemption is in beta; other currencies about 1% + 0–0.5%, with merchant DCC separate.
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Base tier requires score 350, capped at 100 USDT/month; 6%/10% require higher actual tiers.
Campaign waivers are separate; Visa rates and small/failed-transaction charges apply.
Limited waiver with no published fixed end date.
Partner link · we may earn a commission if you apply
No ongoing fee refers to the selected plan. Issuance, funding and transaction fees may still apply. Reward conditions apply.
