Card [USA]

#25 (out of 35) in Crypto Cards
#3 (out of 5) in Crypto Cards for USA
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Overall Rating
Company Strength
Fee Structure
Customer Service
  • Nice extras with higher Tier cards - Spotify, Netflix, Amazon Prime, and more
  • 200-1000 USD free ATM withdrawal per month
  • Higher Tier cards with higher rewards require CRO token staking
Visa or MC
Debit or Credit

Debit Card

Denominated In$ USD
Apple PayEnabled
Monthly Fee

0.00 USD

Monthly Inactivity Fee

4.95 USD

Foreign Exchange Fee


Crypto to Fiat Crypto->Fiat Conversion Fee


Highest Cashback

up to 5%

Entry-Level Cashback


Entry-Level Cashback Monthly Cap

25 USD

Daily Spending Limit

10,000 USD

Daily ATM Withdrawal Limit

500 USD

Crypto to Fiat Conversion

Manual when Preloading

Supported Countries
Supported CryptocurrenciesShow All (23) Card Benefits and Rewards – for USA

Here are the benefits and rewards offered by for their USA-based cardholders:

Obsidian Rose & White Jade & Indigo Ruby Steel Midnight
 USD Lockup Required $400,000 $40,000  $4,000 $400
Cashback Rewards 5% 3% 2% 1%
Priority Pass™ Airport Lounge Access (see lounge list)
Amazon Prime Private Membership
2% Extra Interest on Crypto Earn
Private Jet Service

Priority Pass™ Airport Lounge Access offers access to a wide selection of airport lounges.

Not all cashback % is unlimited. The Royal Indigo & Jade Green cards offer 2% cashback reward with a cap of $50 USD per month and the Ruby Steel card offers a 1% cashback reward capped at $25 USD per month. The Obsidian and Frosted Rose Gold & Icy White cards don’t have any limit on their 5% and 3% cashback rewards respectively. 

The Airbnb reward that is offered to Obsidian card holders gives 10% back for each purchase on Airbnb with a monthly US$100 limit.

Cashback rewards are paid in CRO Token to your Wallet App.

What Does Private Membership (VIP) Offer?

  1. Access to’s self-published research reports, like these.
  2. Assistance with estate handling related to assets. Estate handling refers to the process of managing and distributing a deceased person’s assets.
  3. Tickets to top crypto industry events.
  4. Extra 2% bonus interest on Crypto Earn.
  5. Preferential rates for trading large amounts of CRO.
  6. Priority customer support.

Reality Check While Card promotes up to 5% cashback, if you're an entry-level user with 1,000 USD in assets, you'll qualify for 1% cashback, capped at 25 USD per month.

Are other cards more generous at base tier? Yes. CardIndustry Average1
Entry Level Cashback1%2%
Entry Level Cashback Monthly Cap25 USD400 USD Card is a Debit Card

Before you can use your Card, you will need to top-up your account. This means you will have to convert your crypto in advance, exchanging it to real-life currency and moving it to the card account, to make it available for spending.

It Comes in Both Physical and Virtual Forms

You can get Card in both physical and virtual versions, a feature only available with 50% of crypto cards. They'll mail you the physical card, and you can instantly get the virtual card online after completing KYC Identity Verification.

Wondering about the perks of each card type? Here are some highlights:

Physical Card
Virtual Card
ATM WithdrawalsSecond Card Number
Required for Car Rentals, HotelsInstant Availability
Useful When Phone Dies, or no WifiFreeze for Safety
Backup Payment MethodSet Lower Spend Limits

You will find the physical Card useful for in-person purchases, while the virtual card will be perfect for online transactions like subscriptions.

How Does Card Compare to Other Crypto Cards? Card ranks #3 out of 5 amongst similar crypto cards. This card is a solid choice among the many crypto cards available, offering competitive features and benefits.

While we have a total of 35 cards listed in our Crypto Cards category, only 4 are comparable to Card [USA], since they are available for customers in the same geographical region.

Strongest Features Against Competitors

Here are the strongest features of Card against its 4 competitors :

  • Offers Apple Pay (while 40% of competing crypto cards don't).
  • You can get both a physical card and a second virtual card (while 40% of competing crypto cards offer only one type - either physical or just virtual).
  • Available for residents of United States.

Weakest Features Against Competitors

Compared to its 4 competitors, here are the shortcomings of Card:

  • Limits entry-level cashback to 25 USD per month (while other cards have 400 USD average monthly cap for the base tier).
  • Has a Foreign Exchange Fee of 3% (other cards have 1.5% average).
  • Supports only 23 cryptocurrencies (while other cards support an average of 55).
  • Requires preconversion of crypto to load the card (while 20% of competitors auto-convert on every purchase).
  • Card [USA] vs. Gemini Card vs. Coinbase Card Card
    Gemini Card
    Coinbase Card
    Monthly Fee 0.00 USD 0.00 USD 0.00 USD
    Foreign Exchange Fee 3% 0% 2.49%
    Crypto to Fiat Fee 1.41% 1.49% 0.61%
    Highest Cashback up to 5% up to 3% up to 4%
    Entry-Level Cashback 1% 3% 1%
    Daily Spending Limit 10,000 USD 25,000 USD 2,500 USD
    Daily ATM Limit 500 USD 1,000 USD 1,000 USD
    Availability for United States flagUnited States
    Supported Cryptocurrencies 23 53 231
    Apple Pay Enabled Enabled Enabled
    Customer Service Average Great Great
    Company Strength Strong Medium Strong

    If you plan to use your card for daily purchases, then daily spending limit is an important consideration for you. Gemini Card offers the highest daily spending limit of 25,000 USD. You will get lower daily limits with Card and Coinbase Card.

    Cashback rewards are a great way to earn back some of the money you spend on your card and is an important consideration as well. Out of the three, Card offers the best cashback rewards of up to 5%. The cashback rewards for Gemini Card and Coinbase Card are not as high.

    To make a good choice, look through all features, as it is an individual choice. If you will mostly do online transactions with this card, then Apple Pay availability may not be a very important feature for you. If you travel a lot, foreign exchange rate will matter. And so on. Card ATM Fees: The Real Cost of Cashing Out

Local ATM Withdrawals in USD

Here's a breakdown of the fees you'll face when making local ATM withdrawals with your Card:

You're at a local ATM and have:
0.0611 ETH (200 USD)
-2.82 USD Crypto-to-Fiat Conversion Fee: 1.41%
-3.94 USD ATM Withdrawal Fee: 2%
-3 USD
ATM Operator Fee: ~3 USD
190.24 USD

Starting with an initial amount of 200 USD in ETH, the ATM withdrawal with Card will cost you a total of ~9.76 USD (4.9% of 200 USD), resulting in a final cash withdrawal of 190.24 USD in hand.

Doesn't Card Offer Free ATM Withdrawals?

Yes, offers free ATM withdrawals for up to 200 USD per month, in line with the average limit of 200 USD offered by other cards.

When they say 'free', they are only referring to their ATM Withdrawal Fee, which will be waived for the first 200 USD withdrawn per month. In our example, if you withdraw 200 USD, this waiver saves you 3.94 USD, reducing your local ATM withdrawal cost to around 5.82 USD, compared to the standard cost of approximately 9.76 USD.

International non-USD ATM Withdrawals

Things will get significantly worse for International ATM Withdrawals. If you're out of country and cashing out with your Card, here's what it will look like:

You're at an international ATM and have:
0.0611 ETH (200 USD)
-2.82 USD Crypto-to-Fiat Conversion Fee: 1.41%
-3.94 USD Intl ATM Withdrawal Fee: 2%
-5.92 USD Foreign Exchange Fee: 3%
-1.97 USD
Visa Foreign Exchange Fee: 1%
-3 USD
ATM Operator Fee: ~3 USD
-3.94 USD
ATM Operator Foreign Exchange Fee: ~2%
Foreign Currency (worth 175.59 USD)

For an international withdrawal using your Card with an initial 200 USD in ETH, you'll incur fees totaling ~21.59 USD (10.8% of 200 USD), leaving you with 175.59 USD in the equivalent foreign currency.

Reality CheckCompared to other crypto cards, Card is more expensive for both local and international ATM withdrawals:

Cost with CardCost with Other Cards
Local ATM Withdrawals~9.8 USD (4.9% of 200 USD)~7.6 USD (3.8% of 200 USD)
International ATM Withdrawals~21.6 USD (10.8% of 200 USD)~17.2 USD (8.6% of 200 USD)

From all crypto cards that we reviewed, Coinbase Card, Netcoins Card and Wealthsimple Card offer the cheapest local ATM withdrawals (2.1%, 2.9% and 3.5% of 200 USD respectively), while Wirex Card scores the worst, landing last on the list with a total local ATM withdrawal cost of 5% of 200 USD. Referral Code - to Get 25 USD Bonus

You can use referral code hsncrhk2nk to get 25 USD bonus when you create an account on platform.

Here's how you can enter the referral code: referral code

p.s. Are we getting paid for referring you? Yes, and it helps us continue our mission. It's like you are buying us lunch 🍱 for all the hard work we've put into building this site. We really appreciate it. Thank you. 🙏🤗

Is Card Available for Residents of United States?

Yes, this version of Card was specifically designed for the residents of United States. Card [USA] supports: United States. Card [Canada] supports: Canada. Card [EU] supports the following countries: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland, United Kingdom.

To see our list of available crypto cards for United States, see this list. There are currently 5 cards listed there.

You may also be interested in this article: Crypto Cards for USA: The Best Options for Americans.

Informative Indeed. What's My Next Step?

Paulina Masson

Paulina Masson

Paulina has a strong background in finance and cryptocurrency. She's been involved with crypto since its early days and has observed its progression over the years. Notably, she possesses expertise in various crypto products, having personally tested and evaluated many of them. In her spare time, she is developing a crypto bot designed to automatically trade on short timeframes.

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