the u-card index
Stablecoin cards, compared
"U-cards" — cards that spend USDT/USDC directly — are the fastest-moving corner of digital banking, and the information about them is scattered across referral threads. This table consolidates every stablecoin-spendable card in the open dataset. Click any name for the full profile with licence detail, founders and sources. Cashback and yield figures are headline claims that change constantly — verify with the issuer before applying. For live onchain volume and user counts per card, see Paymentscan ↗.
| card | wave | custody | network · type | cashback | yield | kyc |
|---|---|---|---|---|---|---|
| 1inch Card | web3-native | Self-custodial | Visa · Debit | Up to 2% | — | Card only |
| AllScale | web3-native | Custodial | Visa · Business | — | — | Yes |
| Avalanche Card | web3-native | Self-custodial | Visa · Debit | — | — | Card only |
| Avici | web3-native | Self-custodial | Visa · Virtual + physical | — | — | Card only |
| Bitget Wallet | web3-native | Self-custodial | Visa/MC · Prepaid | Promos (up to 8%) | — | Card only |
| Bleap | web3-native | MPC self-custodial | MC · Virtual + physical | Up to 20% promo USDC | — | Card only |
| Cypher | web3-native | Self-custodial | Visa · Virtual + physical | Rewards | — | Card only |
| Dakota | web3-native | Self-custodial | Visa · Business | — | T-bill-backed balances | Yes |
| Deblock | web3-native | Mixed (fiat custodial + self-custody crypto) | Visa · Virtual + physical | Tiers | ~4% EUR (tiers) | Yes |
| Decaf | web3-native | Self-custodial | Visa · Virtual + physical | — | — | Card only |
| EtherFi Cash | web3-native | Self-custodial | Visa · Virtual + physical | Up to 3% | Restaking yield | Card only |
| Exa | web3-native | Self-custodial | Visa · Virtual + physical | — | Onchain credit (Exactly) | Card only |
| Fiat24 | web3-native | Self-custodial | Visa · Virtual + physical | — | — | Yes |
| Fizen | web3-native | Self-custodial | Visa/MC · Virtual + physical | Offers | — | Card only |
| Gnosis Pay | web3-native | Self-custodial | Visa · Virtual + physical | Up to 4% (GNO) | DeFi via Safe | Card only |
| Holyheld | web3-native | Self-custodial | MC · Virtual + physical | Up to 1% USDC | — | Card only |
| Hyperbeat | web3-native | Self-custodial | Visa · Virtual + physical | — | beatUSD / USD+ yield | Card only |
| Infini | web3-native | Self-custodial | Visa · Virtual | — | Stablecoin yield | Card only |
| Karta | web3-native | MPC self-custodial | Visa · Virtual + physical | — | — | Card only |
| Kontigo | web3-native | Custodial | Visa · Virtual + physical | — | USDC yield | Yes |
| MetaMask | web3-native | Self-custodial | MC · Virtual + physical | Card rewards (region) | mUSD ~4% (Monad); DeFi-wide | Card only |
| Moon | web3-native | Self-custodial | Visa · Virtual | — | — | No |
| Onboard | web3-native | Self-custodial | Visa · Virtual + physical | — | Onchain yield | Card only |
| Oobit | web3-native | Self-custodial | Visa/MC · Tap-to-pay + card | Cashback | — | Yes |
| Payy | web3-native | Self-custodial | Visa · Virtual + physical | Points | — | Card only |
| Plasma One | web3-native | Self-custodial | Visa · Virtual + physical | Up to 4% XPL | 10%+ APY USD₮ | Card only |
| Ready | web3-native | Self-custodial | Visa · Metal + virtual | 3% in STRK | Staking + BTCFi | Card only |
| Rizon | web3-native | Self-custodial | Visa · Virtual + physical | — | Stablecoin yield | Card only |
| SafePal | web3-native | Self-custodial | MC · Wallet + card | — | Earn | Card only |
| Solayer Emerald | web3-native | Self-custodial | Visa · Virtual + physical | Rewards | Restaking-linked (sUSD) | Card only |
| Solflare | web3-native | Self-custodial | Visa · Wallet + card | Card rewards | SOL staking | Card only |
| Stables | web3-native | Custodial | MC · Virtual + physical | — | — | Yes |
| UglyCash | web3-native | Custodial | Visa · Virtual + physical | Up to 5% | USD yield on stables | Yes |
| WeFi | web3-native | Self-custodial | Visa/MC · Virtual + physical | Token rewards | Yield | Card only |
| xPortal | web3-native | Self-custodial | MC · Wallet + card | Cashback | Staking | Card only |
| Airtm | hybrid | Custodial | Visa · Virtual | — | — | Yes |
| Belo | hybrid | Custodial | MC · Prepaid | Crypto cashback | Yield on stables | Yes |
| BFinance | hybrid | Custodial | Visa/MC · Virtual + physical | — | — | Yes |
| Binance Card | hybrid | Custodial | Visa · Debit | Up to 8% BNB | Earn products | Yes |
| Bitget Card | hybrid | Custodial | Visa · Debit | Campaign rewards | Earn | Yes |
| Bitnob | hybrid | Custodial | Visa · Virtual USD | — | BTC/USDT savings | Yes |
| Bitpanda | hybrid | Custodial | Visa · Debit | Up to 2% (BEST) | Staking | Yes |
| BitPay Card | hybrid | Custodial | MC · Prepaid | — | — | Yes |
| Bitso | hybrid | Custodial | MC · Debit (MX) | Crypto cashback | Yield on stables | Yes |
| Buenbit | hybrid | Custodial | MC · Prepaid | Crypto cashback | DAI/USDC yield | Yes |
| Bybit Card | hybrid | Custodial | MC · Debit | Up to 10% campaigns | Earn | Yes |
| CEX.IO Card | hybrid | Custodial | Visa · Debit | Rewards | Earn/staking | Yes |
| Chipper Cash | hybrid | Custodial | Visa · Virtual + physical | — | — | Yes |
| COCA | hybrid | MPC self-custodial | Visa/MC · Virtual + physical | Up to 8% | Real-time DeFi APY | Yes |
| Coinbase Card | hybrid | Custodial | Visa/Amex · Debit + credit | Up to 4% rotating | USDC rewards | Yes |
| CoinJar | hybrid | Custodial | MC · Debit | Points | — | Yes |
| Crypto.com | hybrid | Custodial | Visa · Prepaid (metal tiers) | Up to 5% CRO | Earn on crypto/stables | Yes |
| DolarApp | hybrid | Custodial | MC · Debit | 2% USDc on spend | Yield on USDc | Yes |
| eToro Money | hybrid | Custodial | Visa · Debit | — | Staking | Yes |
| Fasset | hybrid | Custodial | Visa · Debit | Rewards | Yield on assets | Yes |
| Gemini Credit Card | hybrid | Custodial | MC · Credit | Up to 4% BTC/ETH | — | Yes |
| Juno | hybrid | Custodial | MC · Debit | Up to 5% JCOIN | Yield on USDC/USD | Yes |
| KAST | hybrid | Custodial | Visa · Prepaid (tiers) | Up to 3% stablecoin | Vaults up to ~10% | Yes |
| Kolo | hybrid | Custodial | Visa/MC · Prepaid | 2% BTC | — | Yes |
| Krak | hybrid | Custodial | MC · Debit | Spend rewards | Yield incl. stables | Yes |
| KuCard | hybrid | Custodial | Visa · Debit | Rewards | Earn | Yes |
| Lava | hybrid | Custodial | Visa · Secured credit | Up to 5% BTC | USD yield on deposits | Yes |
| Lemon | hybrid | Custodial | Visa · Prepaid | Up to 2% BTC | Yield on stables (region) | Yes |
| Littio | hybrid | Custodial | Visa · Debit | — | USD yield onchain | Yes |
| Mercado Pago | hybrid | Custodial | Visa/MC · Debit + credit | In-app offers | Remunerated account | Yes |
| Meru | hybrid | Custodial | Visa · Virtual + physical | — | USDC yield | Yes |
| Nexo | hybrid | Custodial | Visa/MC · Dual credit/debit | Up to 2% (credit mode) | Earn (tiers) | Yes |
| OKX Card | hybrid | Custodial | Visa · Debit | Up to 5% | Earn | Yes |
| RedotPay | hybrid | Custodial | Visa/MC · Prepaid | Up to 1% | — | Yes |
| Revolut | hybrid | Custodial | Visa/MC · Debit + credit | Perks by tier | Savings vaults | Yes |
| Ripio | hybrid | Custodial | Visa · Prepaid | Crypto cashback | Earn | Yes |
| Robinhood | hybrid | Custodial | MC · Debit (Cash Card) | Round-up boosts | ~4% Gold APY | Yes |
| Slash | hybrid | Custodial | Visa · Business | Cashback | Yield | Yes |
| SpectroCoin | hybrid | Custodial | Visa · Prepaid | — | — | Yes |
| Strike | hybrid | Custodial | Visa · Debit (US) | BTC rewards | — | Yes |
| Tap Global | hybrid | Custodial | MC · Prepaid | Cashback tiers | — | Yes |
| Trustee Plus | hybrid | Custodial | Visa · Prepaid | — | — | Yes |
| Uphold | hybrid | Custodial | Visa/MC · Debit | Up to 2% | Staking | Yes |
| UR | hybrid | Custodial | Visa/MC · Debit | — | — | Yes |
| Venmo | hybrid | Custodial | Visa/MC · Debit + credit | Up to 3% (credit) | — | Yes |
| Wirex | hybrid | Custodial | Visa · Debit | Up to 8% Cryptoback | X-Accounts yield | Yes |
| Xapo Bank | hybrid | Custodial | MC · Debit | 1% in BTC | Interest on BTC + USD | Yes |
| XPlace | hybrid | Custodial | Visa/MC · Prepaid | — | — | Yes |
| Maya | traditional | Custodial | Visa · Debit | Missions | Up to ~10% promo savings | Yes |
| NG.cash | traditional | Custodial | MC · Debit | — | — | Yes |
| PicPay | traditional | Custodial | Visa · Debit + credit | In-app cashback | CDI-linked | Yes |
| SoFi | traditional | Custodial | Visa/MC · Debit | — | Up to ~4.5% APY (tiers) | Yes |
| Tenpo | traditional | Custodial | MC · Prepaid + credit | Offers | — | Yes |
| Ualá | traditional | Custodial | MC · Prepaid + credit | — | Remunerated account | Yes |
| ZA Bank | traditional | Custodial | Visa · Debit | Rewards | HKD/USD savers | Yes |
KYC "CO" = card only (wallet works without identity checks, the card itself requires them). Custody is the app's primary model — several custodial apps hold spending balances only.
go deeperCompare any two side by side in the directory, read stablecoin cards explained, or pull the raw fields from data.json.
Figures compiled from public sources, for comparison only — not financial advice. "Up to" rates change constantly; always confirm with the issuer. Spotted an error? Suggest a fix.