The newer first-card fee FAQ lists AR, AO, BD, BO, CO, EC, ID, MY, MX, NG, PE, PH, ZA and TH at $10; the first card is normally free elsewhere. Additional cards after the allowance cost $10. An older limits page also lists HK, GB and SG as charged: check the regional Add Card quote before ordering. No physical card included.
Core does not require a paid upgrade or asset threshold. Issuance, funding and FX costs are separate; borrowing interest is not covered by free membership.
No FX markup for USD/EUR spend; other currencies about 1% + 0–0.5%
Other currencies use Visa settlement rates with about 1% base FX cost plus 0–0.5% Core markup. Zero EUR markup is a beta rule for merchant charges actually denominated in EUR, whether funded by USDC or EURC; market currency conversion still applies. Merchant dynamic currency conversion (DCC) can add charges outside this exemption.
Progressive calendar-month tiers: standard spend earns 3% on the first $2,000, 1% on the next $1,000 and 0.5% above $3,000. EUR spend uses USD-equivalent thresholds: 3% on the first $800, 1% from $800 to $1,500 and 0.1% above $1,500. USD and EUR share one monthly counter, not separate allowances. Rewards convert to ETHFI at clearing, lock for 7 days and require a manual claim of at least $5; token value fluctuates. ATM, transfers, taxes, gift cards, financial funding, rent, gambling and other excluded transactions earn no rewards; refunds reverse rewards.
Onchain network costs apply; bank funding is route-priced
Check the supported asset, network, address and transaction quote; network, protocol or bridge costs are not assumed free. Where available: USD ACH $0.50 + 0.10%; USD Wire/SWIFT $20 + 0.10%; EUR SEPA to USDC €0.90 + 0.15%, or to EURC €0.90. Other fiat routes, minimums and availability are shown in the deposit flow; route prices are not interchangeable.
This virtual-card entry does not include physical-card cash access. Official guidance lists ATM use as a physical-card feature, with separate issuance and withdrawal terms.
Direct Pay can use USDC, USDT, EURC and other supported account assets
Choose eligible assets and order at Portfolio → Set Spend Priority. Guidance also lists liquidUSD, liquidEUR, liquidReserve and frxUSD, but availability is regional. Liquid is unavailable to US/UK residents or citizens; Liquid Reserve belongs to a specific US program. Use only assets and deposit networks permitted for the account; insufficient balance does not guarantee a successful payment from another asset.
Default card daily limit $5,000; account daily/monthly limits $10,000 each
These are adjustable defaults, not guaranteed maximum credit. Card and account limits both apply and the first reached blocks spend. Review or change them in Cash card Spending limits and Vault → Settings; changes may have a security delay. Direct Pay also depends on available balance; Borrow Mode depends on collateral ratios, protocol and account conditions.
Supported international residences and eligible identity required
The official list includes Hong Kong, Singapore, the UK, parts of Europe and other regions. Belgium and Ireland are eligible for Cash without physical delivery. Unlisted jurisdictions cannot currently apply. Residence, citizenship and compliance checks must satisfy the terms. The US program has separate agreements and is outside this entry. Canada appears in the help list but the terms exclude Canadian residents and citizens; obtain official confirmation first.
Sign up with ether.fi → Cash / Cards → Add Card → Virtual
Confirm residence eligibility and complete verification, then review the Core first-virtual-card quote in Add Card before confirming. Obtain the card details, select a spending mode, fund the account and set limits; optionally add a mobile wallet. A physical order is not required.
Assets stay in a personal onchain account with spending permissions
Cash connects a non-custodial wallet and Direct Pay uses available assets. Borrow Mode collateral can be liquidated as prices fall or interest accrues. Third National issues the Visa card but does not provide the protocol loan; onchain assets are not insured bank deposits.
Direct Pay spends the balance; Borrow Mode accrues variable interest
Borrowing accrues compound interest immediately with no interest-free grace period; check the live account APY before borrowing. Repay voluntarily; no scheduled monthly minimum does not remove collateral requirements. Refunds usually take 3–7 business days and may take 30, return as USDC and reverse rewards. A Borrow Mode refund does not automatically repay debt: repay manually or interest continues.
Supported international residences and eligible identity required
The official list includes Hong Kong, Singapore, the UK, parts of Europe and other regions. Belgium and Ireland are eligible for Cash without physical delivery. Unlisted jurisdictions cannot currently apply. Residence, citizenship and compliance checks must satisfy the terms. The US program has separate agreements and is outside this entry. Canada appears in the help list but the terms exclude Canadian residents and citizens; obtain official confirmation first.
The newer first-card fee FAQ lists AR, AO, BD, BO, CO, EC, ID, MY, MX, NG, PE, PH, ZA and TH at $10; the first card is normally free elsewhere. Additional cards after the allowance cost $10. An older limits page also lists HK, GB and SG as charged: check the regional Add Card quote before ordering. No physical card included.
Core does not require a paid upgrade or asset threshold. Issuance, funding and FX costs are separate; borrowing interest is not covered by free membership.
No FX markup for USD/EUR spend; other currencies about 1% + 0–0.5%
Other currencies use Visa settlement rates with about 1% base FX cost plus 0–0.5% Core markup. Zero EUR markup is a beta rule for merchant charges actually denominated in EUR, whether funded by USDC or EURC; market currency conversion still applies. Merchant dynamic currency conversion (DCC) can add charges outside this exemption.
Progressive calendar-month tiers: standard spend earns 3% on the first $2,000, 1% on the next $1,000 and 0.5% above $3,000. EUR spend uses USD-equivalent thresholds: 3% on the first $800, 1% from $800 to $1,500 and 0.1% above $1,500. USD and EUR share one monthly counter, not separate allowances. Rewards convert to ETHFI at clearing, lock for 7 days and require a manual claim of at least $5; token value fluctuates. ATM, transfers, taxes, gift cards, financial funding, rent, gambling and other excluded transactions earn no rewards; refunds reverse rewards.
Citizenship, residence and physical location are assessed separately. Mainland China and the US have nationality/service restrictions; Singapore residents cannot obtain cards. Other applicants still need in-app approval.
Eligible citizens or residents of SG, KR, JP, VN, MY, TW, AU, TH and PH
Residents need an employment pass and address evidence; accepted ID, passport or driving licence must remain valid for at least 3 months. Mainland China and Hong Kong are outside this APAC application list; travel does not establish residency.
Eligible spending is capped at $200–$600 monthly by market, visible on Card cashback. The 3% tier requires $200 spend in SG/KR/JP/MY/TW/AU or $100 in VN/TH/PH, or new-cardholder eligibility; lasts this month and next. Claim 8 days after settlement. Choose USDC or tokenized assets such as WBTC, XAUt and stock tokens, not direct stock ownership. Refunds and excluded merchants do not qualify.
Residents of supported regions, subject to identity verification
Supported regions include major EU countries, Canada, Brazil, Argentina and Mexico. US/UK signups paused; mainland China, Hong Kong and Singapore not open. Merchant acceptance is separate from application eligibility.
Foreign-merchant transactions 1%; asset conversion may add fees
Non-US holders: local stablecoin conversion free; 0.5% when the stablecoin matches neither holder nor merchant currency (Argentina USD exception); other crypto such as wETH 0.875%. Mastercard exchange rates and gas also apply.
The cardholder agreement requires US citizenship or permanent residence; a verified Coinbase account and possibly SSN documentation are required. No credit check.
Offers have expiration dates and can be changed; earned rewards do not expire with the offer. An offer may be auto-selected; there is no guaranteed fixed rate.
18+ residents of the 50 US states; identity and credit approval required
A Gemini Exchange account must also be approved. Prequalification is not approval; a full application triggers a hard credit inquiry. Non-US residents are not eligible.
4% gas/EV/transit, 3% dining, 2% groceries, 1% other eligible purchases
The 4% category applies to the first $300 each calendar month, then 1%. Merchant classification determines rewards, paid in selected crypto to Gemini. Cash advances excluded; merchant-specific Vault offers are separate.
Supported residence in the application flow plus identity and address checks
Select actual residence in Finance → Card; unsupported regions can only register interest. Exchange KYC does not guarantee card approval; additional ID/address and a supported phone may be required. APAC is separate from AU/EU programs. The global card page explicitly excludes EEA customers; do not reuse Bybit EU eligibility.
0.9% is added to Bybit One-Click Sell rates; Visa FX cost is separate. USD balance is used first, then selected crypto in priority order; minimum conversion $1.
Base 2% in points capped at 5 USDT/month; higher tiers up to 10%
Non-VIP monthly spend $500/$3,500/$9,500/$12,500/$25,000 qualifies for 2%/4%/6%/8%/10%, capped at 50/150/250/400/600 USDT; VIP status maps to tiers. From 2026-10-05 10:00 UTC, eligibility follows merchant settlement time: only crypto-funded purchases earn rewards, not fiat-funded purchases. Caps are shared with Bybit Pay; points become available after 4 days, with 500 points per USDT. Enable Auto Cashback; a minimum of 50 points is required. Before that change, selected subscriptions require Tier 2 or above and direct purchase on the merchant website to qualify for 100% in points within the shared monthly cap; from that same time, this requires non-VIP Tier 3 or above, or VIP status, and crypto funding. Refunds, fees, ATM withdrawals and excluded transactions do not qualify. Pay Later incentives are not included.
Legal age and KAST identity/region approval required
An unlisted country in signup is unavailable; restricted nationality, residence or location can disqualify. Apple Pay and merchant-country lists are not application whitelists.
Only the first $2,000 eligible monthly purchases earn USD cashback; no Standard spending points. ATM excluded; regional and transaction exclusions apply.
Euro-area residents with a verified Bitpanda account
The help page excludes Cyprus and also names Liechtenstein as unsupported. Bankident-verified users cannot order. The app is required; nationality/document eligibility remains subject to account verification, not Visa acceptance.
Rewards use the crypto spent. Stablecoins including USDC/USDT, EUR, metals and stocks are excluded, as are transfers, taxes, utilities and other excluded merchant categories. Allow up to 15 business days for crediting.
Eligible EU/Norway residents with an OKX Europe account and identity verification
Iceland/Liechtenstein excluded; Card must be available in the app and issuer approval is required. Nationality or European travel does not substitute for qualifying residence.
Non-VIP 2%, capped at €50/month; VIP up to 10%/€1,000
Standard schedule effective 2026-09-01: VIP1 4%/€300, VIP2 4.5%/€450, VIP3 5%/€1,000, VIP4+ 10%/€1,000. USDG-funded purchases only, not USDC; paid in USDG usually within 72 hours of settlement. Cash, finance, insurance, education, government and other MCC exclusions apply; refunds reverse rewards. Minimum reward 0.01 EUR and 0.01 USDG after conversion.
Advanced KYC required; Global includes PH, TW, VN and other supported markets
Not universally available: mainland China, the US and other restricted markets are excluded. AU/CH/SA/ZA require M-Score 600+ or an approved partner channel. Nationality, ID, actual residence and account eligibility are reviewed together.
Standard purchase fee 1%; no conversion fee or additional FX markup
Visa FX rates apply; small/failed-transaction fees are separate. These are regular rates. Qualifying campaign waivers are separate, not a full-year free-fee promise.
Standard 4%/100 USDT monthly; Premier 6%/300; Elite 10%/800
Requires actual M-Score 350–599, 600–799 or 800+, using month-end tier; trial tiers do not qualify. Eligible settled spending only, excluding disallowed merchants and refunds; paid to Spot on the next month’s 15th. Rewards may change with the program.
Available only in countries/regions listed in Gate Card application, subject to card KYC
Select actual residence after login; unlisted locations are unavailable. Submit ID, face and address information, with linked email/phone. Visa merchant acceptance does not establish local application eligibility. Global Gate location restrictions also apply. Listed Ukrainian subregions are not expanded to all of Ukraine.
T0 base 1% in points, capped at 5 USDT monthly; higher tiers reach 8%
100 points redeem for 1 USDT with a 50-point minimum; per-purchase caps are 2 USDT for T0 and 15/30/50/80/150 USDT for T1–T5. T1–T5 rates/monthly caps: 1%/50, 2%/100, 3%/150, 5%/250, 8%/400 USDT. Qualification uses prior-month spending of $500/3,000/6,000/10,000/15,000 or VIP 5–7/8/9/10–12/13–14, effective next month. Eligible crypto spending only; fiat, refunds, transfers and excluded merchants do not qualify.
Citizenship, residence and physical location are assessed separately. Mainland China and the US have nationality/service restrictions; Singapore residents cannot obtain cards. Other applicants still need in-app approval.
Available only in countries/regions listed in Gate Card application, subject to card KYC
Select actual residence after login; unlisted locations are unavailable. Submit ID, face and address information, with linked email/phone. Visa merchant acceptance does not establish local application eligibility. Global Gate location restrictions also apply. Listed Ukrainian subregions are not expanded to all of Ukraine.
T0 base 1% in points, capped at 5 USDT monthly; higher tiers reach 8%
100 points redeem for 1 USDT with a 50-point minimum; per-purchase caps are 2 USDT for T0 and 15/30/50/80/150 USDT for T1–T5. T1–T5 rates/monthly caps: 1%/50, 2%/100, 3%/150, 5%/250, 8%/400 USDT. Qualification uses prior-month spending of $500/3,000/6,000/10,000/15,000 or VIP 5–7/8/9/10–12/13–14, effective next month. Eligible crypto spending only; fiat, refunds, transfers and excluded merchants do not qualify.
Citizenship, residence and physical location are assessed separately. Mainland China and the US have nationality/service restrictions; Singapore residents cannot obtain cards. Other applicants still need in-app approval.
Eligible Apple Pay / Google Pay purchases only. Credited after settlement; expires in 30 days. Spend-only, not transferable or cash-withdrawable. Refunds reverse rewards.
Available only in countries/regions listed in Gate Card application, subject to card KYC
Select actual residence after login; unlisted locations are unavailable. Submit ID, face and address information, with linked email/phone. Visa merchant acceptance does not establish local application eligibility. Global Gate location restrictions also apply. Listed Ukrainian subregions are not expanded to all of Ukraine.
T0 base 1% in points, capped at 5 USDT monthly; higher tiers reach 8%
100 points redeem for 1 USDT with a 50-point minimum; per-purchase caps are 2 USDT for T0 and 15/30/50/80/150 USDT for T1–T5. T1–T5 rates/monthly caps: 1%/50, 2%/100, 3%/150, 5%/250, 8%/400 USDT. Qualification uses prior-month spending of $500/3,000/6,000/10,000/15,000 or VIP 5–7/8/9/10–12/13–14, effective next month. Eligible crypto spending only; fiat, refunds, transfers and excluded merchants do not qualify.
Eligible citizens or residents of SG, KR, JP, VN, MY, TW, AU, TH and PH
Residents need an employment pass and address evidence; accepted ID, passport or driving licence must remain valid for at least 3 months. Mainland China and Hong Kong are outside this APAC application list; travel does not establish residency.
Eligible spending is capped at $200–$600 monthly by market, visible on Card cashback. The 3% tier requires $200 spend in SG/KR/JP/MY/TW/AU or $100 in VN/TH/PH, or new-cardholder eligibility; lasts this month and next. Claim 8 days after settlement. Choose USDC or tokenized assets such as WBTC, XAUt and stock tokens, not direct stock ownership. Refunds and excluded merchants do not qualify.
APAC Tier 2+ with an existing virtual card and verified residence
Physical rollout is phased; delivery country must match verified residence. Ineligible users join a waitlist; a shipping address does not replace residency. The global card page explicitly excludes EEA customers; do not reuse Bybit EU eligibility.
0.9% is added to Bybit One-Click Sell rates; Visa FX cost is separate. USD balance is used first, then selected crypto in priority order; minimum conversion $1.
Base 2% in points capped at 5 USDT/month; higher tiers up to 10%
Non-VIP monthly spend $500/$3,500/$9,500/$12,500/$25,000 qualifies for 2%/4%/6%/8%/10%, capped at 50/150/250/400/600 USDT; VIP status maps to tiers. From 2026-10-05 10:00 UTC, eligibility follows merchant settlement time: only crypto-funded purchases earn rewards, not fiat-funded purchases. Caps are shared with Bybit Pay; points become available after 4 days, with 500 points per USDT. Enable Auto Cashback; a minimum of 50 points is required. Before that change, selected subscriptions require Tier 2 or above and direct purchase on the merchant website to qualify for 100% in points within the shared monthly cap; from that same time, this requires non-VIP Tier 3 or above, or VIP status, and crypto funding. Refunds, fees, ATM withdrawals and excluded transactions do not qualify. Pay Later incentives are not included.
Available only in countries/regions listed in Gate Card application, subject to card KYC
Select actual residence after login; unlisted locations are unavailable. Submit ID, face and address information, with linked email/phone. Visa merchant acceptance does not establish local application eligibility. Global Gate location restrictions also apply. Listed Ukrainian subregions are not expanded to all of Ukraine.
T0 base 1% in points, capped at 5 USDT monthly; higher tiers reach 8%
100 points redeem for 1 USDT with a 50-point minimum; per-purchase caps are 2 USDT for T0 and 15/30/50/80/150 USDT for T1–T5. T1–T5 rates/monthly caps: 1%/50, 2%/100, 3%/150, 5%/250, 8%/400 USDT. Qualification uses prior-month spending of $500/3,000/6,000/10,000/15,000 or VIP 5–7/8/9/10–12/13–14, effective next month. Eligible crypto spending only; fiat, refunds, transfers and excluded merchants do not qualify.
