OneKey Card
- Supports 200+ countries
- Well-established wallet
- Virtual-only card
- No Apple Pay
- No cashback
-
Key Features
| Visa or MC | |
|---|---|
| Debit or Credit | Prepaid Card |
| Denominated In | $ USD |
| Apple Pay | Not Enabled |
| Monthly Fee | 1.00 USD |
| Monthly Inactivity Fee | 0.00 USD |
| Crypto to USD Crypto->USD Conversion Cost | ~1.95% |
| Cashback | None |
| Daily Spending Limit | 20,000 USD |
| Daily ATM Withdrawal Limit | N/A (Virtual-Only Card) |
| Foreign Exchange Fee | 1.25% |
| Crypto to Fiat Conversion | Manual when Preloading |
| Crypto Asset Management | Custodial (stores crypto keys on your behalf) |
| Supported Countries | AfghanistanAlandAlbaniaAlgeriaAmerican SamoaAndorraAngola |
| Supported Blockchains | ArbitrumAvalancheEthereumPolygonTron |
| Supported Cryptocurrencies | USDCUSDT |
Your OneKey Card: Available in 200+ countries from a well-established wallet
OneKey Card Benefits and Rewards
OneKey card does not offer cashback rewards or any other incentives for using the card.
You do get a better crypto-to-USD conversion rate, if you upgrade your card tier:
Silver |
Gold |
Platinum |
Black |
|
| One-Time Fee | $0 USD | $29 USD | $59 USD | $99 USD |
| Crypto-to-USD Conversion Fee | 1.95% | 1.80% | 1.65% | 1.50% |
OneKey Card is a Prepaid Card
- Debit Card
- Credit Card
- Prepaid Card
- No Bank Account Offered
Useful Card Structure:OneKey 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.
OneKey Card carries its own balance, and you'll need to top it up before use.
It should be noted that OneKey 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
OneKey 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 |
Not so Great:Since OneKey Card 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.
The 'back' of virtual OneKey Card
| Card Issuer | Central Trust Bank |
|
BIN Number ⓘ
BIN number is the first 8 digits of the card and identifies the card issuer.
| 42883600 |
| Validity Period | 3 years |
| Issuing Country | United States |
Crypto-to-USD Conversion Cost with OneKey Card
OneKey Card Requires Pre-Load
Before you can use your OneKey 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 | 1.95% |
| Sell Spread | 0% |
| Load Fee | 0% |
| Transaction Fee | 0% |
| Total Crypto to USD Cost | ~1.95% |
Reality Check:Compared to the average ~1.8% crypto-to-fiat cost of other cards, converting crypto with OneKey Card will cost you about the same (~1.95%).
From all crypto cards we reviewed, Kast Card, WhiteBIT Card and Holyheld Card offer the cheapest crypto-to-fiat conversions (~0%, ~0.28% and ~0.5% respectively), while converting crypto with OWNR Card will cost you the most, ~4.64%.
How Does OneKey Card Compare to Other Crypto Cards?
OneKey Card ranks #43 out of 61 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.
Weakest Features Against Competitors
Compared to its 61 competitors, here are the shortcomings of OneKey Card:
- Apple Pay isn't enabled (while 70% of competing crypto cards have it).
- Doesn't offer any cashback (while other cards give an average of 4%).
- Supports only 2 cryptocurrencies, USDC and USDT (while other cards support an average of 20).
- 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).
OneKey Card vs. Fold Card vs. Nexo Card
OneKey Card
|
Fold Card
|
Nexo Card
|
|
|---|---|---|---|
| Monthly Fee | 1.00 USD | 0.00 USD | 0.00 EUR |
| Crypto to Fiat Cost | ~1.95% | ~1.5% | ~0.75% |
| Highest Cashback | None | up to 1.5% | up to 2% |
| Entry-Level Cashback | None | 0% | 0.5% |
| Daily Spending Limit | 20,000 USD | 10,000 USD | 10,000 EUR |
| Daily ATM Limit | N/A (Virtual-Only Card) | 1,000 USD | 2,000 EUR |
| Foreign Exchange Fee | 1.25% | 3% | 2% |
| Asset Management | Custodial | Custodial | Custodial |
Availability for  United States |
|||
| Supported Cryptocurrencies | 2 | 1 | 83 |
| Apple Pay | Not Enabled | Enabled | Enabled |
| Customer Service | Average | Great | Great |
| Brand Authority | Growing | Less-Known | Well-Known |
If you plan to use your card for daily purchases, then daily spending limit is an important consideration for you. OneKey Card offers the highest daily spending limit of 20,000 EUR. You will get lower daily limits with Fold Card and Nexo 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, Nexo Card offers the best cashback rewards of up to 2%. The cashback rewards for Fold Card are not as high. With OneKey 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.
OneKey Card supports 210+ countries
Is OneKey Card Available for Residents of United States?
Yes, OneKey Card is available for residents of United States.
OneKey Card supports the following countries: Afghanistan, Aland, Albania, Algeria, American Samoa, Andorra, Angola, Anguilla, Antarctica, Antigua and Barbuda, Argentina, Armenia, Aruba, Australia, Austria, Azerbaijan, Bahamas, Bahrain, Bangladesh, Barbados, Belgium, Belize, Benin, Bermuda, Bhutan, Bolivia, Bonaire, Bosnia-Herzegovina, Botswana, Brazil, British Virgin Islands, Brunei, Bulgaria, Burkina Faso, Cambodia, Cameroon, Canada, Cayman Islands, Chad, Chile, Christmas Island, Cocos Keeling Islands, Colombia, Comoros, Cook Islands, Costa Rica, Croatia, Curacao, Cyprus, Czech Republic, Denmark, Djibouti, Dominica, Dominican Republic, Ecuador, Egypt, El Salvador, Equatorial Guinea, Estonia, Falkland Islands, Faroe Islands, 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, Hong Kong, Hungary, Iceland, India, Indonesia, Ireland, Isle of Man, Italy, Jamaica, Japan, Jersey, Jordan, Kazakhstan, Kenya, Kiribati, Kuwait, Kyrgyzstan, Laos, Latvia, Lebanon, Lesotho, Liberia, Liechtenstein, Lithuania, Luxembourg, Macao, Macedonia, Madagascar, Malawi, Malaysia, Maldives, Malta, Marshall Islands, Martinique, Mauritania, Mauritius, Mayotte, Mexico, Micronesia, Moldova, Monaco, Mongolia, Montenegro, Montserrat, Morocco, Mozambique, Namibia, Nauru, Nepal, Netherlands, New Caledonia, New Zealand, Nicaragua, Niger, Nigeria, Niue, Norfolk Island, Northern Mariana Islands, Norway, Oman, Pakistan, Palau, Palestine, Panama, Papua New Guinea, Paraguay, Peru, Philippines, Pitcairn Islands, Poland, Portugal, Puerto Rico, Qatar, Reunion, Romania, Rwanda, Saint Barthelemy, Saint Helena, Saint Lucia, Saint-Martin, Samoa, San Marino, Sao Tome and Principe, Saudi Arabia, Senegal, Serbia, Seychelles, Sierra Leone, Singapore, Slovakia, Slovenia, Solomon Islands, South Africa, South Georgia and South Sandwich Islands, South Korea, Spain, Sri Lanka, St Kitts and Nevis, St Vincent and Grenadines, Suriname, Sweden, Switzerland, Taiwan, Tajikistan, Tanzania, Thailand, 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, Vietnam, Wallis and Futuna, Western Sahara, Zambia.
To see our list of available crypto cards for 🇺🇸 United States, see this list. There are currently 12 cards listed there.
You may also be interested in this article: Crypto Cards for USA: The Best Options for Americans.
Solid Info. What's My Next Step?
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.
