HyperCard [USA]

#40 (out of 51) in Crypto Cards
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5.3
Overall Rating
CRITERIA:
Company Strength
8
Fee Structure
3
Customer Service
5
PROS:
  • Supports many rarely-supported countries
CONS:
  • Virtual-only card
  • No Apple Pay
Visa or MC
Debit or Credit

Prepaid Card

Denominated In$ USD
Apple PayNot Enabled
Monthly Fee

0.00 USD

Monthly Inactivity Fee

0.00 USD

Crypto to USD Crypto->USD Conversion Cost

~3.6%

Cashback

None

Daily Spending Limit

20,000 USD

Daily ATM Withdrawal Limit

N/A (Virtual-Only Card)

Foreign Exchange Fee

3%

Crypto to Fiat Conversion

Manual when Preloading

Crypto Asset Management

Custodial (stores crypto keys on your behalf)

Supported CountriesShow All (75)
Supported CryptocurrenciesADAARBAVAXBNBBONKBTCBUSDDAIDOGEDOTETHGMXIDLTCNULSOKTSHIBSOLUNIUSDCUSDDUSDTXRPShow All (23)
HyperCard: Ideal for USD crypto users in niche markets with its extensive country support.

HyperCard: Ideal for USD crypto users in niche markets with its extensive country support.

Note: ‘PH485’ which you see on the card, is HyperPay’s designated number for this USD card. In the app, we chose this card for its superior fee structure. Unlike other HyperPay USD cards, it’s issued in the U.S., not Hong Kong.

HyperCard Benefits and Rewards – for North and South America

HyperPay offers up to 10% Interest Rate on your HPY savings, depending on the amount of HPY (HyperPay Token) you have locked up. See the table below for details.

User Level HPY Lockup Required Annual Interest Rate Crypto-to-Fiat Fee
Level  0 0 HPY 0% 2%
Level 1 500,000 HPY

~200 USD¹

2% 1.9%
Level 2 5,000,000 HPY

~1,600 USD¹

3% 1.8%
Level 3 50,000,000 HPY

~15,600 USD¹

4% 1.7%
Level 4 100,000,000 HPY

~31,100 USD¹

6% 1.6%
Level 5 1,000,000,000 HPY

~310,500 USD¹

10% 1.4%

Interest is calculated daily, based on your card balance, using an annualized cashback rate (as per table above) / 365. You will get daily payouts, just for holding a preloaded cash balance on your card.

HyperPay doesn’t offer any traditional cashback awarded per card transaction.

HyperCard is a Prepaid Card

  • Debit Card
  • Credit Card
  • Prepaid Card
  • No Bank Account Offered

HyperCard is very much like a traditional prepaid card that carries its own balance, and you'll need to top it up before use. It should be noted that HyperPay doesn't offer a bank account with this card (while some crypto cards do), which means you won't be able to receive third-party payments, like fiat withdrawals from exchanges, for example.

It's Issued Solely in Virtual Form, Lacking a Physical Version

HyperCard is available solely in virtual format, unlike 40% of crypto cards offering both physical and virtual versions. This means you cannot use it for ATM withdrawals, or at places like car rental companies or hotels that require a physical card for security deposit and identity verification. The virtual card will be issued to you instantly after you complete the KYC Identity Verification.

Wondering about the pros and cons of virtual-only format? Here are some highlights:

No Physical Card
Virtual Card
No ATM WithdrawalsInstantly Available, No Waiting for Mail
No Card when Hotels or Car Rentals Require itIdeal for Online Purchases
No Card When Phone Dies or no InternetEnvironmentally Friendly
No Feel-Good Backup Payment MethodNo Tangible Item to Misplace

Not so Great:Since HyperCard doesn't support Apple Pay and doesn't have a physical card version, you will only be able to use this card for online purchases.

Crypto-to-USD Conversion Cost with HyperCard

HyperCard Requires Pre-Load

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

Crypto
Crypto to Fiat Conversion Fee0.5%
Sell Spread~0.1%
Load Fee2%
Transaction Fee
1%
Total Crypto to USD Cost~3.6%
USD

High Cost:Compared to the average ~1.7% crypto-to-fiat cost of other cards, converting crypto with HyperCard will cost you more (~3.6%). This means that you will get less USD for your crypto when using this card.

From all crypto cards we reviewed, WhiteBIT Card, Holyheld Card and Trade Republic Card offer the cheapest crypto-to-fiat conversions (~0.28%, ~0.5% and ~0.7% respectively), while converting crypto with OWNR Card will cost you the most, ~4.64%.

How Does HyperCard Compare to Other Crypto Cards?

HyperCard ranks #40 out of 51 amongst all the crypto cards we have reviewed so far. This card is a solid choice among the many crypto cards available, offering competitive features and benefits.

Strongest Features Against Competitors

Here are the strongest features of HyperCard against its 51 competitors:

  • Offers a generous 20,000 USD daily spend limit (other cards offer 13,500 USD limit on average).
  • Solid company with a 8/10 company strength score (the average for all competing cards is 6/10).
  • Available for residents of United States.

Weakest Features Against Competitors

Compared to its 51 competitors, here are the shortcomings of HyperCard:

  • Apple Pay isn't enabled (while 60% of competing crypto cards have it).
  • Doesn't offer any cashback (while other cards give an average of 4%).
  • Has a Foreign Exchange Fee of 3% (other cards have 1.5% average).
  • Their customer service is poor with a 5/10 score (competitors score 7.5/10 on average).
  • Requires preconversion of crypto to load the card (while 40% of competitors auto-convert on every purchase).
  • Only available in virtual format (while 40% of competing crypto cards offer both physical and virtual cards).
  • Their crypto-to-fiat conversion cost, including all related fees and spread, is quite high at ~3.6% (versus an average of ~1.8% with other cards.)
  • Their fee structure is not so budget-friendly, with a score of 3/10 (average fee structure rating amongst other cards is 6/10).
  • HyperCard [USA] vs. HyperCard vs. Nexo Card

    HyperCard
    HyperCard
    Nexo Card
    Monthly Fee 0.00 USD 1.00 EUR 0.00 EUR
    Crypto to Fiat Cost ~3.6% ~2.6% ~0.75%
    Highest Cashback None None up to 2%
    Entry-Level Cashback None None 0.5%
    Daily Spending Limit 20,000 USD 10,000 EUR 10,000 EUR
    Daily ATM Limit N/A (Virtual-Only Card) N/A (Virtual-Only Card) 2,000 EUR
    Foreign Exchange Fee 3% 1% 0.5%
    Asset Management Custodial Custodial Custodial
    Availability for United States flagUnited States
    Supported Cryptocurrencies 23 25 63
    Apple Pay Not Enabled Not Enabled Enabled
    Customer Service Average Average Great
    Company Strength Strong Strong Strong

    If you plan to use your card for daily purchases, then daily spending limit is an important consideration for you. Both HyperCard and Nexo Card offer a solid daily spending limit of 10,000 EUR.

    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, Nexo Card offers the best cashback rewards of up to 2%. With HyperCard and HyperCard, you will have no cashback rewards at all.

    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.

We Tested HyperPay's Customer Support

We asked HyperPay's customer support different questions, and then rated their responses to evaluate how good their support is.

Why should you Care:When you'll have a money-related question, like a missing deposit or being overcharged - having good support at that moment will be crucial for you.

HyperPay offers support via the following channels:

ChatIn-App Chat
Web Formhttps://hyperpayhelp.zendesk.com/hc/en-us/requests/new

Location: HyperPay customer service reps are located in China flagChina.¹

Support Channel Our Interaction Score
Web Form
(replied in
9 h 8 min)
Replied with 3 sentences and none of them addressed the question asked.
Low Competence
Not Personalized
Poor English, Formal Tone
2.5/10
Web Form
(didn't reply)
Never replied. Waited for 21 days. In-App Chat is probably a better method to contact them.
No Response
0/10
Chat
(replied in
8 min)
Answered a question about 3D security. Concise and to the point reply.
High Competence
Not Personalized
Adequate English, Professional Tone
8.5/10
Chat
(replied in
10 min)
Fast reply, answered a question about contactless ATM, concise and to the point response.
High Competence
Not Personalized
Poor English, Formal Tone
7/10
Chat
(replied in
4 min)
Quick concise responses to multiple questions asked. Answers follow up questions immediately.
High Competence
Not Personalized
Poor English, Formal Tone
7/10

To summarize,

Competence and Problem-Solving: HyperPay's customer service responses are a hit or miss. Some of their agents are very competent, while others are not.

Customer Love: You will not get addressed by name and answers to your questions will be generic. HyperPay's customer support agents do not make an effort to personalize their replies.

Reply Speed: They sometimes do not reply at all. When they do reply, response times range from as quick as 4 minutes to as slow as 9 hours.

Overall Customer Service Rating: 5/10

With this score, HyperPay's Customer Service is poor, comparing to other crypto cards, which score an average of 7.5/10.

HyperPay Invitation Code - to Get 5 USD Bonus

You can use invitation code Z924010 to get 5 USDT (~5 USD¹) bonus when you create an account on HyperPay platform.

Here's how you can enter the invitation code:

HyperPay invitation code

Your bonus will be paid out to you in USDT (Tether USDt1), right after you place an order for a HyperCard.

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 HyperCard Available for Residents of United States?

Yes, this version of HyperCard was specifically designed for the residents of United States.

HyperCard [USA] supports the following countries: Afghanistan, Anguilla, Antigua and Barbuda, Argentina, Aruba, Bahrain, Bangladesh, Belize, Bermuda, Bolivia, Brazil, British Virgin Islands, Brunei, Cambodia, Canada, Cayman Islands, Chile, Colombia, Costa Rica, Curacao, Dominican Republic, Ecuador, El Salvador, Falkland Islands, French Guiana, Greenland, Grenada, Guadeloupe, Guatemala, Guyana, Honduras, Hong Kong, India, Indonesia, Israel, Japan, Kazakhstan, Kuwait, Kyrgyzstan, Laos, Lebanon, Macao, Malaysia, Maldives, Martinique, Mexico, Mongolia, Montserrat, Nepal, Oman, Paraguay, Peru, Philippines, Puerto Rico, Qatar, Saint Lucia, Saint-Martin, Saudi Arabia, Singapore, South Korea, Sri Lanka, St Kitts and Nevis, St Vincent and Grenadines, Suriname, Taiwan, Tajikistan, Thailand, Turkmenistan, Turks and Caicos Islands, U.S. Virgin Islands, United Arab Emirates, United States, Uruguay, Uzbekistan, Vietnam. HyperCard [EU] supports the following countries: Andorra, Armenia, Austria, Azerbaijan, Belgium, Bosnia-Herzegovina, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Faroe Islands, Finland, France, Georgia, Germany, Gibraltar, Greece, Guernsey, Hungary, Iceland, Ireland, Isle of Man, Italy, Jersey, Kosovo, Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Moldova, Monaco, Netherlands, Norway, Palestine, Poland, Portugal, San Marino, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, United Kingdom.

To see our list of available crypto cards for United States, see this list. There are currently 9 cards listed there.

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

Perfect. 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.

⭑cryptonoshi
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