Offramp Card
- Generous fee structure, 0.5% fx fee, 1:1 USDC to USD conversion
- Apple Pay Enabled
- Virtual USD Account in your name
- Great customer service experience
- No Cashback
- Limited countries supported, focused on South America
- Small ATM Withdrawal Allowance - at most $750 per day
-
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% |
| Cashback | None |
| Daily Spending Limit | 10,000 USD |
| Daily ATM Withdrawal Limit | 750 USD |
| Foreign Exchange Fee | 0.5% |
| Crypto to Fiat Conversion | Auto on Every Purchase |
| Identity VerificationID Verification | KYC Requiredi |
| Crypto Asset Management | Custodial (stores crypto keys on your behalf) |
| Supported Blockchains | ArbitrumBaseBinance Smart ChainEthereumModeOptimismPolygon |
| Supported Cryptocurrencies | USDCUSDT |
| Supported Countries | Antigua and BarbudaArgentinaBarbadosBoliviaBrazilBahamasBelizeColombiaCosta RicaDominican RepublicEcuadorEgyptGrenadaGuatemalaHondurasJapanSt Kitts and NevisSaint LuciaMoroccoMexicoPanamaPeruParaguaySingaporeEl SalvadorThailandTrinidad and TobagoUruguaySt Vincent and Grenadines |
Offramp Card Benefits and Rewards
Offramp card does not offer cashback rewards yet, they do plan to launch a cashback program sometime soon.
Offramp Card is a Visa Platinum - Here Are the Bonus Perks You Get
Your Offramp Card runs on Visa's Platinum tier and is issued in 🇵🇷 Puerto Rico - which automatically gets you a set of perks straight from Visa, on top of what Offramp offers.
Visa Platinum sits in the middle of Visa's consumer card lineup - above the basic Classic and Gold tiers, and below Signature and Infinite.
If you pay for your car rental with your Offramp Card and decline the optional insurance upgrade they push at the counter, you'll get Visa Platinum insurance coverage worldwide for theft and collision on rentals up to 31 days, with no deductible.
You'll need the physical Offramp Card with you at pickup, since most rental companies require it at the counter for authorization.
Good news:Offramp Card runs on credit card rails, so it works for the security deposit pre-authorization they'll place on your card.
When you pay for an item with your Offramp Card, Visa automatically adds up to 1 extra year on top of the manufacturer's warranty, free. So a MacBook with a 1-year Apple warranty becomes 2 years of coverage. Works on most electronics and appliances, coverage is up to $10,000 per year.
More Benefits
If you spot the same item advertised at a lower price within 30 days (7 days for online purchases), Visa refunds you the difference, free. So if you buy a PlayStation for $500 with your Offramp Card and see it on sale for $400 a few weeks later, you get $100 back. Works on most retail purchases, with up to $500 back per item and 4 claims per year.
If your laptop gets stolen 3 months after you bought it, Visa covers you - automatically, for free. You must have paid with your Offramp Card, filed a police report within 48 hours, and submitted your claim within 90 days to receive up to $10,000 per year, on most items bought anywhere in the world.
Do I have to sign up with Visa first to qualify for benefits?
Benefits kick in automatically, but you have to pay for your car rentals, electronics, and anything else you want covered, with your Offramp Card.
Registering isn't required, but it makes filing claims much easier later. Go to Visa Benefits Portal, pick Puerto Rico: English at the top, and register your Offramp Card. That gets you in.
Offramp Card is a Prepaid Card
- Debit Card
- Credit Card
- Prepaid Card
- US
USA-based Bank Account- in your name
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. Alongside, Offramp offers you a personal bank account. You'll receive a USA-based bank account number, issued in your name, which is a nice additional option to have.
Third-Party Deposits:Some crypto card companies only allow fiat deposits from accounts that are directly in your name. With Offramp, third party senders are able to deposit funds into your bank account, which means you can receive fiat withdrawals from exchanges, receive salary payments, or get paid by clients.
It Comes in Both Physical and Virtual Forms
You can get Offramp Card in both physical and virtual versions, a feature only available with 30% 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 Withdrawals | Second Card Number |
| Required for Car Rentals, Hotels | Instant Availability |
| Useful When Phone Dies, or no Wifi | Freeze for Safety |
| Backup Payment Method | Set Lower Spend Limits |
Cost to Order: 100 USD | Cost to Order: 0 USD |
You will find the physical Offramp Card useful for in-person purchases, while the virtual card will be perfect for online transactions like subscriptions.
Crypto-to-USD Conversion Cost with Offramp Card
Offramp Card Converts Your Crypto on Demand
Offramp Card offers instant conversion to USD at the time of purchase. This allows you to hold your crypto and exchange to real-life currency only when you need to. No need to pre-convert your cryptocurrencies or preload the card.
| Crypto to Fiat Conversion Fee | 0% |
| Sell Spread | 0% |
| Load Fee | 0% |
| Transaction Fee | 0% |
| Total Crypto to USD Cost | 0% |
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%). This means that you will get more USD for your crypto when using this card.
How Does Offramp Make Money? – I see 0% fees 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, Offramp Card and OKX Card offer the cheapest crypto-to-fiat conversions (~0%, ~0% and ~0.1% 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 #33 out of 73 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 Offramp Card against its 72 competitors:
- Has a Foreign Exchange Fee of 0.5% (other cards have 1.5% average).
- Their customer service is very good with a 9.3/10 score (others score only 7.4/10 on average).
- Doesn't require preconverting of your crypto, converts needed amount automatically on every purchase (while 60% of competing crypto cards require you to preload card in advance).
- You can get both a physical card and a second virtual card (while 70% of competing crypto cards offer only one type - either physical or just virtual).
- 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).
- Their crypto-to-fiat conversion cost, including all related fees and spread, is among the lowest at ~0% (versus an average of ~1.6% with other cards.)
- 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).
Weakest Features Against Competitors
Compared to its 72 competitors, here are the shortcomings of Offramp Card:
- Doesn't offer any cashback (while other cards give an average of 4%).
- Supports only 2 cryptocurrencies, USDT and USDC (while other cards support an average of 15).
- Lesser-known company with a 3/10 brand authority score (the average for all competing cards is 6/10).
- Doesn't offer any free ATM withdrawals (in contrast to 40% of crypto cards which offer an average of 200 USD free withdrawal allowance per month).
Offramp Card vs. Gemini Card vs. KAST Card
Offramp Card
|
Gemini Card
|
KAST Card
|
|
|---|---|---|---|
| Monthly Fee | 0.00 USD | 0.00 USD | 0.00 USD |
| Crypto to Fiat Cost | 0% | ~1.74% | 0% |
| Highest Cashback | None | up to 3% | up to 5% |
| Entry-Level Cashback | None | 3% | 1.5% |
| Daily Spending Limit | 10,000 USD | 25,000 USD | Unlimited |
| Daily ATM Limit | 750 USD | 1,000 USD | 750 USD |
| Foreign Exchange Fee | 0.5% | 0% | 1.75% |
| Asset Management | Custodial | Custodial | Custodial |
Availability for  United States |
|||
| Supported Cryptocurrencies | 2 | 53 | 5 |
| Apple Pay | Enabled | Enabled | Enabled |
| Customer Service | Great | Great | Great |
| Brand Authority | Less-Known | Growing | Growing |
If you plan to use your card for daily purchases, then daily spending limit is an important consideration for you. KAST Card offers an unparalleled Unlimited daily spending limit. You will get lower daily limits with Offramp Card and Gemini 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, KAST Card offers the best cashback rewards of up to 5%. The cashback rewards for Gemini Card are not as high. With Offramp 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.
Offramp 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 Offramp Card:
Starting with an initial amount of 200 USD in USDT, the ATM withdrawal with Offramp Card will cost you a total of ~7 USD (3.5% of 200 USD), resulting in a final cash withdrawal of 193 USD in hand.
Doesn't Offramp Card Offer Free ATM Withdrawals?
No, it doesn't. Which is a shame, because 40% of competing cards offer free ATM withdrawals, typically allowing up to 200 USD per month without fees.
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 Offramp Card, here's what it will look like:
For an international withdrawal using your Offramp Card with an initial 200 USD in USDT, you'll incur fees totaling ~14 USD (7% of 200 USD), leaving you with 186 USD in the equivalent foreign currency.
Reality CheckCompared to other crypto cards, Offramp Card is more cost-effective for both local and international ATM withdrawals:
| Cost with Offramp Card | Cost with Other Cards | |
| Local ATM Withdrawals | ~7 USD (3.5% of 200 USD) | ~8.4 USD (4.2% of 200 USD) |
| International ATM Withdrawals | ~14 USD (7% of 200 USD) | ~17.6 USD (8.8% of 200 USD) |
From all crypto cards that we reviewed, Bleap Card, Trade Republic Card and Holyheld Card offer the cheapest local ATM withdrawals (1.8%, 2.2% and 2.5% of 200 USD respectively), while OWNR Card scores the worst, landing last on the list with a total local ATM withdrawal cost of 9% of 200 USD.
We Tested Offramp's Customer Support
We asked Offramp'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.
Offramp offers support via the following channels:
| Chat | https://www.offramp.xyz/help-center/help-center |
| [email protected] |
Location: Offramp customer service reps are located in 
Argentina and 
Philippines.¹
| Support Channel | Our Interaction | Score |
Chat (replied in 17 min) | Answered the ATM withdrawal limits and fees clearly, answered quickly. | High Competence Somewhat Personalized Adequate English, Professional Tone 9/10 |
Chat (replied in 6 min) | Answered the spread question clearly and accurately. | High Competence Somewhat Personalized Flawless English, Professional Tone 9.5/10 |
Email (replied in 58 min) | Asked for new KYC documents, helped to update expired ID - helpful and timely reply. | High Competence Somewhat Personalized Adequate English, Professional Tone 9/10 |
Chat (replied in 1 h 0 min) | Clear and direct answer to a question about cashback, with a note about potential future updates. | High Competence Somewhat Personalized Flawless English, Professional Tone 9.5/10 |
Chat (replied in 1 h 4 min) | Clear and helpful reply to a question about the referral program, explained that both parties receive a bonus via a free spin once the spending requirement is met. | High Competence Somewhat Personalized Flawless English, Professional Tone 9.5/10 |
To summarize,
Competence and Problem-Solving: Offramp's customer service agents are highly competent, so you can expect every issue to be resolved with professional expertise and a thorough understanding.
Customer Love: Offramp's support replies are personalized rather than copy-paste templates, though they tend to be brief and don't go into a lot of detail.
Reply Speed: They respond remarkably quickly, with most of their replies coming within an average of 41 minutes, significantly saving your time.
Overall Customer Service Rating: 9.3/10
This excellent score places Offramp's Customer Service well above the crypto card industry average of 7.5/10.
Offramp Referral Code - to Get 20 USD Bonus
You can use Offramp referral code lv81bo to get 20 USD bonus when you create an account on Offramp platform.
Here's how you can enter the referral code:
..or, just click here.
Your bonus will be paid out to you in USDC (USD Coin), right after you signup and spend your first $50.
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 Offramp Card Available for Residents of United States?
No, Offramp Card is not available for residents of United States.
Offramp Card supports the following countries: Antigua and Barbuda, Argentina, Bahamas, Barbados, Belize, Bolivia, Brazil, Colombia, Costa Rica, Dominican Republic, Ecuador, Egypt, El Salvador, Grenada, Guatemala, Honduras, Japan, Mexico, Morocco, Panama, Paraguay, Peru, Saint Lucia, Singapore, St Kitts and Nevis, St Vincent and Grenadines, Thailand, Trinidad and Tobago, Uruguay.
To see our list of available crypto cards for 🇺🇸 United States, see this list. There are currently 19 cards listed there.
You may also be interested in this article: Crypto Cards for USA: The Best Options for Americans.
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