OKX Card
2%
Free
17 countries
The OKX Card is a virtual Mastercard launched across the European Economic Area in early 2026, letting users spend USDC and USDG stablecoins that are auto-converted to euro at checkout. It stands out for near-zero costs: no monthly, FX or top-up fees and only about a 0.1% conversion spread, plus a German IBAN issued in the holder's name. Base cashback starts at 2% and scales to 5% for VIP tiers, though the card is app-only with no physical version.
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What it really costs to spend crypto
From loading your wallet to paying at the till.
Estimated from provider rates; the conversion spread can vary.
Fee breakdown
Spending limits
Limits shown are for the standard tier and may increase with higher tiers or verification.
Supported coins
Supported networks
Crypto features
Availability
Not available in: KP, IR, SY, CU
How OKX Card compares on cost
Every figure above is this card in isolation. Here is where it lands against the other 59 cards we track, using our own fee dataset and the same year-one formula published on our methodology page.
What a year with this card costs
| Profile | Fees/yr | FX+conv | ATM | Cashback | Total/yr | Rank |
|---|---|---|---|---|---|---|
| Everyday$1000/mo card · $400/mo ATM | $0 | $12 | $0 | −$240 | −$228 | #10 |
| Active$2000/mo card · $800/mo ATM | $0 | $24 | $0 | −$480 | −$456 | #10 |
| Heavy$5000/mo card · $1500/mo ATM | $0 | $60 | $0 | −$1,200 | −$1,140 | #10 |
Year-one view, including issuance. Computed with the public total-cost formula — the same implementation the methodology page and the calculator use.
- Virtual-only card: no ATM access, so cash withdrawal fees do not apply.
- Available in 17 countries — #27 of 59 by coverage.
Figures recomputed from our live fee dataset on every deploy.
Cheaper cards for spending abroad
Cards with a lower combined FX and conversion cost than this one, closest first.
| Card | All-in | Annual fee | Cashback |
|---|---|---|---|
| Gemini Credit Card | 0% | — | 4% |
| Gnosis Pay | 0% | — | 2% |
| KeyOne | 0% | — | — |
| Lava Card | 0% | — | 5% |
| MetaMask Card | 0% | — | — |
The exchange behind this card
OKX is more than the card: trading, earn and P2P live in the same account the card spends from. Verified figures below — every value links its primary source.
| Spot maker fee | 0.08% | Verified 20.07.2026 |
| Spot taker fee | 0.1% | Verified 20.07.2026 |
| Futures maker fee | 0.02% | Verified 20.07.2026 |
| Futures taker fee | 0.05% | Verified 20.07.2026 |
| Flexible earn | USDC 5.62% / ETH staking 2.31% / ATOM 18.25% / TON 11.76% APY (EU site; Simple Earn page unavailable in some EEA regions) | Verified 20.07.2026 |
| P2P fee | 0% | Verified 20.07.2026 |
Availability: EEA served by OKX Europe Ltd (MiCA CASP, Malta MFSA); some products blocked in EEA. US users on a separate okx.com/en-us platform with own fees. source
Risk warning: derivatives trading involves significant risk of loss and is not suitable for everyone. Never trade with funds you cannot afford to lose. This is not financial advice.
User reviews
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Similar cards
The Crypto.com Visa Card offers up to 5% CRO cashback, access to airport lounges, and Netflix/Spotify rebates depending on the tier. Stake CRO to upgrade.
The MetaMask Card is a non-custodial Mastercard that spends stablecoins straight from your self-custody MetaMask wallet, with no exchange in the middle. The free virtual card pays 1% back; a metal tier with up to 3% is announced but not yet available to order.
OKX Card FAQ
OKX Card holds a trust score of 8.5/10 on NomadCard, drawn from user reviews on Reddit, Trustpilot, and the app stores. Most users speak well of it.