Offramp Card
- Non-custodial, connect your own wallet
- Supports 190+ countries
- Supports 4000+ cryptocurrencies
- Virtual-only for now
- No mobile app yet
- No cashback
-
Key Features
| Visa or MC | |
|---|---|
| Debit or Credit | Prepaid Card |
| Denominated In | $ USD |
| Apple Pay | Enabled |
| Monthly Fee | 0.00 USD |
| Monthly Inactivity Fee | 0.00 USD |
| Crypto to USD Crypto->USD Conversion Cost | ~0.5% + Gas Fees |
| Cashback | None |
| Daily Spending Limit | Unlimited |
| Daily ATM Withdrawal Limit | N/A (Virtual-Only Card) |
| Foreign Exchange Fee | 0.5% |
| Crypto to Fiat Conversion | Manual when Preloading |
| Crypto Asset Management | Non-Custodial (connect your own wallet) |
| Supported Blockchains | ArbitrumAuroraAvalancheBaseBinance Smart ChainEthereumGnosis |
| Supported Cryptocurrencies | 000KN0x00x10xAi0xAISwap0xAnon0XB0xBET0XBTC0XC0xDEV0XDEX0xF0xFree |
| Supported Countries | AndorraUnited Arab EmiratesAntigua and BarbudaAnguillaAngolaAntarcticaArgentina |
Your Offramp Card: Load from 4000+ cryptocurrencies and seamlessly spend with Apple Pay
Offramp Card Benefits and Rewards
Offramp card does not offer cashback rewards or any other incentives for using the card. They do plan to launch a cashback program sometime soon.
Offramp Card is a Prepaid Card
- Debit Card
- Credit Card
- Prepaid Card
- No Bank Account Offered
Useful Card Structure:Offramp Card functions like a prepaid card, but on the backend, it is classified as a credit card. This means that while you cannot borrow money with this card, it will work at places requiring pre-authorizations.
Offramp Card carries its own balance, and you'll need to top it up before use.
It should be noted that Offramp 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
Offramp Card is available solely in virtual format, unlike 30% 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 Withdrawals | Instantly Available, No Waiting for Mail |
| No Card when Hotels or Car Rentals Require it | Ideal for Online Purchases |
| No Card When Phone Dies or no Internet | Environmentally Friendly |
| No Feel-Good Backup Payment Method | No Tangible Item to Misplace |
Cost to Order: 10 USD | Cost to Order: 0 USD |
Useful:Since Offramp Card supports Apple Pay, you can still use this card in real life, to pay for everyday purchases.
The 'back' of virtual Offramp Card
| Card Issuer | Reap |
|
BIN Number ⓘ
BIN number is the first 8 digits of the card and identifies the card issuer.
| 49387506 |
| Validity Period | 3 years |
| Issuing Country | Hong Kong |
Reap is the card issuer used by several other crypto cards, including KAST Card and Cypher Card.
Crypto-to-USD Conversion Cost with Offramp Card
Offramp Card Requires Pre-Load
Before you can use your Offramp Card, 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 to Fiat Conversion Fee | 0% |
| Broker Sell Spread | ~0.5% |
| Load Fee | 0% |
| Transaction Fee | 0% |
| Gas Fees | vary |
| Total Crypto to USD Cost | ~0.5% + Gas Fees |
Low Cost:Compared to the average ~1.6% crypto-to-fiat cost of other cards, converting crypto with Offramp Card is much more cost-effective (~0.5% + Gas Fees). This means that you will get more USD for your crypto when using this card.
How Does Offramp Make Money? – I only see ~0.5% broker spread here. Am I missing something?
Every time you make a payment with your Offramp Card, the merchant (Starbucks, Amazon, etc.) pays a small fee on that transaction to their bank that operates the POS terminal. This is called the interchange fee. The merchant's bank passes part of that fee to Visa, and they share a portion of it with Offramp.
So while you don't pay a fee directly as a cardholder, Offramp still earns a small amount from every transaction you make — that's how card providers make money.
From all crypto cards we reviewed, KAST Card, Xapo Card and WhiteBIT Card offer the cheapest crypto-to-fiat conversions (~0%, ~0.1% and ~0.28% respectively), while converting crypto with OWNR Card will cost you the most, ~4.64%.
How Does Offramp Card Compare to Other Crypto Cards?
Offramp Card ranks #38 out of 67 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.
In addition, Offramp Card ranks #12 out of 18 amongst Non-Custodial Crypto Cards.
Strongest Features Against Competitors
Here are the strongest features of Offramp Card against its 66 competitors:
- Has a Foreign Exchange Fee of 0.5% (other cards have 1.5% average).
- Has Unlimited daily spend allowance, a rarity in the industry (other cards have 10,000 USD limit on average).
- Supports 4217 cryptocurrencies (while other cards support an average of 15).
- Their customer service is very good with a 8.5/10 score (others score only 7.3/10 on average).
- You won't be charged any monthly fee (while 20% of other crypto cards charge one, with a median of 1.6 USD per month).
- Supports 11 blockchains (while other non-custodial cards support an average of 6 blockchains).
- Their overall fees & limits structure is incredibly generous, with a score of 7.8/10 (average fees & limits structure rating amongst other cards is 6.3/10).
- This crypto card is non-custodial, which means you keep the keys to your crypto assets and can connect your own wallet. You have full control, unlike with custodial cards that manage your crypto assets.
- Available for residents of United States.
Weakest Features Against Competitors
Compared to its 66 competitors, here are the shortcomings of Offramp Card:
- Doesn't offer any cashback (while other cards give an average of 4%).
- Lesser-known company with a 3/10 brand authority score (the average for all competing cards is 6/10).
- Requires preconversion of crypto to load the card (while 40% of competitors auto-convert on every purchase).
- Only available in virtual format (while 30% of competing crypto cards offer both physical and virtual cards).
Offramp Card vs. Phantom Card vs. Tria Card
Offramp Card
|
Phantom Card
|
Tria Card
|
|
|---|---|---|---|
| Monthly Fee | 0.00 USD | 0.00 USD | 1.60 USD |
| Crypto to Fiat Cost | ~0.5% + Gas Fees | ~0.95% + Gas Fees | ~0.4% |
| Highest Cashback | None | None | up to 6% |
| Entry-Level Cashback | None | None | 1.5% |
| Daily Spending Limit | Unlimited | 5,000 USD | 1,000,000 USD |
| Daily ATM Limit | N/A (Virtual-Only Card) | N/A (Virtual-Only Card) | 750 USD |
| Foreign Exchange Fee | 0.5% | 0% | 0% |
| Asset Management | Non-Custodial | Non-Custodial | Non-Custodial |
Availability for  United States |
|||
| Supported Cryptocurrencies | 4217 | 1382 | 2 |
| Apple Pay | Enabled | Enabled | Enabled |
| Customer Service | Great | Average | Great |
| Brand Authority | Less-Known | Well-Known | Growing |
If you plan to use your card for daily purchases, then daily spending limit is an important consideration for you. Offramp Card offers an unparalleled Unlimited daily spending limit. You will get lower daily limits with Phantom Card and Tria 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, Tria Card offers the best cashback rewards of up to 6%. With Offramp Card and Phantom Card, 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.
Is Offramp Card Available for Residents of United States?
Yes, Offramp Card is available for residents of United States.
Offramp Card supports the following countries: Åland Islands, Algeria, American Samoa, Andorra, Angola, Anguilla, Antarctica, Antigua and Barbuda, Argentina, Aruba, Austria, Azerbaijan, Bahamas, Bahrain, Bangladesh, Barbados, Belgium, Belize, Benin, Bermuda, Bhutan, Bolivia, Bosnia and Herzegovina, Botswana, Brazil, British Virgin Islands, Brunei, Cambodia, Cameroon, Canada, Cayman Islands, Chad, Chile, Christmas Island, Cocos (Keeling) Islands, Colombia, Comoros, Cook Islands, Costa Rica, Croatia, Cyprus, Czechia, Denmark, Djibouti, Dominica, Dominican Republic, Ecuador, Egypt, El Salvador, Equatorial Guinea, Estonia, Falkland Islands, Faroe Islands, Federated States of Micronesia, Fiji, Finland, France, French Guiana, French Polynesia, French Southern Territories, Gabon, Gambia, Georgia, Germany, Ghana, Gibraltar, Greece, Greenland, Grenada, Guadeloupe, Guam, Guatemala, Guernsey, Guinea, Guyana, Honduras, Hungary, Iceland, India, Indonesia, Ireland, Isle of Man, Israel, Italy, Jamaica, Jersey, Jordan, Kazakhstan, Kenya, Kiribati, Kuwait, Kyrgyzstan, Laos, Latvia, Lesotho, Liechtenstein, Lithuania, Luxembourg, Macao, Madagascar, Malawi, Malaysia, Maldives, Malta, Marshall Islands, Martinique, Mauritania, Mauritius, Mayotte, Mexico, Moldova, Monaco, Mongolia, Montenegro, Montserrat, Morocco, Mozambique, Namibia, Nauru, Nepal, New Caledonia, New Zealand, Niger, Nigeria, Niue, Norfolk Island, North Macedonia, Northern Mariana Islands, Norway, Oman, Pakistan, Palau, Palestine, Panama, Papua New Guinea, Paraguay, Peru, Philippines, Pitcairn Islands, Poland, Portugal, Puerto Rico, Qatar, Réunion, Romania, Saint Helena, Saint Lucia, Samoa, San Marino, São Tomé and Príncipe, Saudi Arabia, Senegal, Serbia, Seychelles, Slovakia, Slovenia, Solomon Islands, South Africa, South Georgia and the South Sandwich Islands, South Korea, Spain, Sri Lanka, St Kitts and Nevis, St Vincent and Grenadines, Suriname, Sweden, Switzerland, Taiwan, Tajikistan, Tanzania, Thailand, The Netherlands, Timor-Leste, Togo, Tokelau, Tonga, Trinidad and Tobago, Tunisia, Türkiye, Turkmenistan, Turks and Caicos Islands, Tuvalu, U.S. Virgin Islands, Uganda, United Arab Emirates, United Kingdom, United States, Uruguay, Uzbekistan, Vanuatu, Vatican City, Vietnam, Wallis and Futuna, Western Sahara.
To see our list of available crypto cards for 🇺🇸 United States, see this list. There are currently 16 cards listed there.
You may also be interested in this article: Crypto Cards for USA: The Best Options for Americans.
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