Payy Card
0%
Free
41 countries
Payy is a non-custodial, virtual-only Visa card built on private stablecoin payment infrastructure, letting users spend USDC and USDT directly from a self-custodied wallet across 230+ countries. It charges no annual or issuance fees, a 1% FX markup and 0% conversion (gas only), with Apple Pay support. Instead of cashback it runs a points program that rewards holding a balance and pays 10,000 points per referral. There is no physical card, IBAN, or ATM access.
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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
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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.
The Coinbase Card is a Visa debit card linked to your Coinbase account. Earn up to 4% crypto back on purchases. Available in US and select EU countries.
Payy Card FAQ
Payy Card holds a trust score of 5/10 on NomadCard, drawn from user reviews on Reddit, Trustpilot, and the app stores. Some users report issues — skim the community forums before you apply.