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 USDC card lets you spend USD Coin, a dollar-pegged stablecoin, with a predictable value rather than a volatile crypto. The best of them spend USDC directly on the Visa or Mastercard network, avoiding a conversion. Below are the USDC-capable cards we track.
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
3 
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
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)
Rewards1% reward on total card transactions (in BTC or USDT), or 2% if reward is taken in BXX
Annual feeNone (free card, no subscription fee)
KYCFull
Availability—
Rewards—
Annual fee—
KYCNone
Availability—
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)
RewardsOn-chain rewards / Card Points & Perks program (points-based, not fiat cashback)
Annual fee—
KYCFull
AvailabilityGlobal — usable anywhere Visa is accepted; regional eligibility restrictions apply
RewardsUp to 8% cashback, issued as points redeemable for USDT, BTC, ETH, USDC and other digital assets; referral bonus 5 USDT (referrer) + 2 USDT (referee)
Annual fee—
KYCFull
AvailabilityAvailable in non-restricted regions (specific list not stated)
RewardsUp to 5% crypto back on every purchase
Annual fee$0
KYC—
Availability169 countries
RewardsOptional crypto rewards on purchases, US card users only, variable reward rate (no fixed rate stated)
Annual fee$0 (no annual fee)
KYCFull
AvailabilityUS (all states except Hawaii)
Rewards—
Annual fee—
KYC—
AvailabilityCard issued in Great Britain (full country list not stated on official page)
Rewards—
Annual fee—
KYC—
Availability—
Rewards—
Annual feeCHF 0 (individuals, by invitation) / CHF 500 (companies)
KYC—
Availability—
Why spend USDC?
USDC is the most widely supported stablecoin on crypto cards, and spending a dollar-pegged coin means what you load is roughly what you can spend — no worrying that a price swing eats into your balance between top-up and checkout. That predictability is the main reason people choose a stablecoin card for everyday use.
Direct spend vs conversion
The strongest USDC cards spend the stablecoin directly, often with no FX fee. Others convert it to local currency behind the scenes, which can add a spread. Where a card spends USDC directly, we note it — and reward it in our scoring.
Custody matters too
Several of the best USDC cards are self-custodial, spending USDC straight from a wallet you control. If keeping your own keys matters, filter for those. Compare any two with the comparison tool, or see all stablecoin cards.