RewardsUp to 20% cashback (20% streaming/gaming/AI subs; 3% rides & food delivery; 2% restaurants & supermarkets; 1% everything else), paid in USDC
Annual feeNone
KYCFull
AvailabilityEurope and Latin America (incl. Mexico, Brazil)
A self-custodial (or non-custodial) crypto card spends from a wallet you control, rather than a balance the provider holds for you. You keep the private keys, so there is no exchange counterparty holding your funds. Below are the self-custodial cards we track.
RewardsUp to 10% cashback
Annual feeNone (card creation and holding free)
KYC—
Availability100+ countries
RewardsVirtual: 1% mUSD back per transaction; Metal: 3% mUSD back on first $10,000 spend then 1%
Annual feeVirtual: free; Metal: $199/yr
KYC—
Availability40+ countries incl. most EU, Canada, Latin America; Metal card available in the US; US and UK signups temporarily closed
4 
Gnosis Pay
Gnosis Pay (card issued by Monavate Limited under licence by Visa Europe Limited) · DebitRewardsUp to 5% cashback on eligible transactions, based on the amount of GNO held in wallet
Annual fee—
KYCFull
AvailabilityUK, EU (expanding)
RewardsUp to 4% cashback (cashback managed by Gnosis Pay, paid in GNO on Gnosis Chain; requires holding GNO in the Gnosis Pay card Safe)
Annual fee—
KYCFull
Availability150+ countries
Rewards2% base assetback for all cardholders; up to 3% for new users or those meeting the $200–$400 monthly spend threshold. Assetback payable in BTC, gold, US stocks or USDC.
Annual fee$0
KYCFull
AvailabilityEEA & UK, Latin America (9 countries), APAC (10 regions), South Africa, Pakistan, Bangladesh
RewardsNone at launch (referral/cashback rewards announced as coming soon)
Annual feeNo issuance fee; €1/month maintenance only after 3 consecutive months of inactivity (waived on resuming use)
KYCFull
AvailabilityEEA only (initial launch)
Rewards—
Annual feeNone (products sold at face value)
KYCNone
AvailabilityMost countries supported (merchant catalog varies by selected country)
RewardsUp to 1% cashback on card payments (Premium and Native plans; not included on free Standard plan)
Annual fee€0 (Standard); Premium €14.99/month; Native free with a Deblock NFT held 30+ days
KYCFull
Availability—
Rewards—
Annual fee—
KYC—
Availability—
RewardsCash back on every purchase (specific rate not stated on official pages read)
Annual fee—
KYC—
Availability—
Rewards—
Annual feeCHF 0 (individuals, by invitation) / CHF 500 (companies)
KYC—
Availability—
Why self-custody matters for a card
With most crypto cards you top up a balance the company holds — which means you are trusting that company the way you would trust a bank, but usually without the same protections. If it freezes withdrawals or fails, your funds are caught up in it. A self-custodial card removes that: it spends straight from a wallet only you can access. "Not your keys, not your coins" applies to cards too.
How they work
Self-custodial cards connect to a smart-contract wallet (often a Safe or an MPC/secure-enclave setup). When you pay, the card pulls from that wallet at the moment of the transaction — the provider never holds your balance. Many spend stablecoins directly on the Visa or Mastercard networks.
The trade-offs
- More responsibility. You are in charge of your keys and recovery. Lose access and no one can restore it for you.
- Setup. There is usually a little more to configure than a custodial exchange card.
- KYC still applies. Self-custodial is about who holds your funds, not about anonymity — most of these cards still require identity verification to issue the card.
Self-custody weighs positively in our trust score. Compare two self-custodial cards with the comparison tool.