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 stablecoin card lets you spend a dollar- or euro-pegged stablecoin — USDC, USDT, EURe and others — with a predictable value rather than a volatile coin. Increasingly these spend the stablecoin directly, avoiding a conversion. Below are the stablecoin 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 20% cashback in USDG on USDG purchases during launch (capped, tier-based); ongoing cashback rate depends on OKX VIP level with monthly limits
Annual fee$0 (no issuance, monthly, annual or inactivity fees)
KYCFull
AvailabilityEU + Norway (excludes Iceland & Liechtenstein) for the EEA card; other regional variants exist
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
RewardsCashback: 1.5% (Standard), 2% (Premium), 3% (Private); Premium/Private also earn +1%/+2% KAST Points
Annual feeStandard: Free; Premium: $1,000/year; Private: $10,000/year
KYCFull
Availability170+ countries (merchant acceptance)
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
RewardsCashback up to 15% (PRO plan)
Annual feeFREE €0; MOVE €0.99/mo (€8.99/yr); PRO €9.99/mo (€69.99/yr). Card issuance: physical €20, virtual €2.50
KYCLight
AvailabilityEurope (provides a European IBAN)
RewardsCryptoback rewards up to 8%
Annual fee—
KYC—
Availability130+ countries (worldwide)
Rewards—
Annual feeNo annual fee; monthly service charge €1. Issuance: physical €5, virtual €1
KYC—
Availability—
Rewards—
Annual fee—
KYC—
AvailabilityCard issued in Great Britain (full country list not stated on official page)
Rewards—
Annual fee—
KYC—
Availability—
Rewards—
Annual feeNone (no annual fees)
KYC—
Availability—
Rewards—
Annual feeCHF 0 (individuals, by invitation) / CHF 500 (companies)
KYC—
Availability—
Why spend stablecoins instead of crypto?
The appeal is predictability. When you spend a volatile coin, its value can swing between the moment you top up and the moment you pay. A stablecoin holds a steady peg, so what you load is roughly what you can spend. For everyday spending, that certainty is the whole point.
Direct spend vs conversion
The best stablecoin cards spend the stablecoin directly on the card network, with no conversion step and often no FX fee. Others still convert to local currency behind the scenes. Direct-spend cards are usually cheaper and more transparent — we reward that in our scoring.
Which stablecoins?
- USDC is the most widely supported; USDT is common on exchange cards.
- Euro users should look for EURe or a euro stablecoin to avoid an extra currency conversion.
- Check the custody model too — several of the best stablecoin cards are self-custodial.
Line up two stablecoin cards with the comparison tool.