{
  "generatedAt": "2026-09-02",
  "quarter": "2026-Q3",
  "site": "https://cryptocardinsider.com",
  "staleAfterDays": 30,
  "disclaimer": "Independent and unofficial. Confirm time-sensitive details with issuers. Scores in the Card Lab are editorial estimates, not investment advice.",
  "howToCite": "Cite https://cryptocardinsider.com/facts/crypto-card-fees-2026-q3.html with quarter 2026-Q3 and each issuer lastVerified date. Confirm fees in-app before paying.",
  "cards": [
    {
      "id": "redotpay",
      "brand": "RedotPay",
      "name": "RedotPay Card",
      "lastVerified": "2026-09-02",
      "evidenceLevel": "L2-official-help-center",
      "virtual": "10 USD (8 USD with RDVIR, 20% off)",
      "physical": "100 USD (80 USD with RDPHY, 20% off; shipping incl.)",
      "fx": "2.2% all-in (1% conversion + 1.2% FX)",
      "atm": "2% up to 10,000 USD/mo; 3% above (+ conversion/FX if foreign currency)",
      "factUrl": "/content/card-fact-redotpay-20260902.html",
      "directAnswer": "RedotPay is a stablecoin-first Visa for USDT/USDC spending, strong in emerging markets but blocked in US/EU/UK/CN/SG. As of 2026-08-29 (L2, RedotPay Help Center): virtual issuance is $10 USD ($8 with RDVIR), physical $100 ($80 with RDPHY), 1% crypto conversion on USD swipes, 2.2% all-in on non-USD. Checkout total in the RedotPay app is authoritative."
    },
    {
      "id": "binance",
      "brand": "Binance",
      "name": "Binance Card",
      "lastVerified": "2026-09-02",
      "evidenceLevel": "L2-official-help-center",
      "virtual": "$0 (Global/APAC Mastercard)",
      "physical": "—",
      "fx": "2% on non-USD transactions",
      "atm": "2 free withdrawals/mo where offered, then $1.50",
      "factUrl": "/content/card-fact-binance-20260902.html",
      "directAnswer": "Binance Card (Global/APAC Mastercard via Immersve) spends exchange balances with $0 issuance/annual/monthly fees. As of 2026-08-29: 0.1% conversion on USDC spend, 0.9% on other assets, 2% FX on most non-USD (exceptions exist); EU/UK Visa product discontinued Dec 2023. US/Canada not supported. Cards tab must appear in-app."
    },
    {
      "id": "etherfi",
      "brand": "Ether.fi",
      "name": "Ether.fi Cash Card",
      "lastVerified": "2026-09-02",
      "evidenceLevel": "L2-official-help-center",
      "virtual": "—",
      "physical": "$50 issuance (+ shipping per order screen)",
      "fx": "1% base + 0–0.5% tier margin (Core); 0% added margin Pinnacle+",
      "atm": "2%; max $500/withdrawal, 3 withdrawals per 24h",
      "factUrl": "/content/card-fact-etherfi-20260902.html",
      "directAnswer": "Ether.fi Cash is a non-custodial DeFi Visa where assets stay in a Gnosis Safe-style vault until spend. As of 2026-08-29 (L2, ether.fi Help Center Jul 2026): $0 annual; up to 3% USDC cashback on Core tier bands; 0% FX on EUR merchants (beta); 1% base FX + tier margin on other foreign currency; ATM 2% ($500 max/withdrawal). Best for ETH/USDC holders."
    },
    {
      "id": "kast",
      "brand": "Kast",
      "name": "Kast Card",
      "lastVerified": "2026-09-02",
      "evidenceLevel": "L2-official-help-center",
      "virtual": "—",
      "physical": "—",
      "fx": "0.5–1.75% (varies by country pair)",
      "atm": "$3 flat + 2%",
      "factUrl": "/content/card-fact-kast-20260902.html",
      "directAnswer": "Kast is a USD-denominated Visa with stablecoin top-ups (USDC/USDT/USDe at 0% top-up fee). As of 2026-08-29 (L2, Kast Concierge): 0% on domestic USD card spend; non-USD FX 0.5–1.75%; cashback 1.5%/2%/3% on Standard/Premium/Private with caps; ATM $3 + 2%. Premium tiers carry annual fees — confirm kast.xyz pricing."
    },
    {
      "id": "bitget",
      "brand": "Bitget",
      "name": "Bitget Wallet Card",
      "lastVerified": "2026-09-02",
      "evidenceLevel": "L2-official-help-center",
      "virtual": "0.1 USDC within 72h of KYC; 10 USDC after (Base network only)",
      "physical": "$49 USD incl. shipping (where offered)",
      "fx": "—",
      "atm": "—",
      "factUrl": "/content/card-fact-bitget-20260902.html",
      "directAnswer": "Bitget Wallet Card (distinct from Bitget exchange card) offers 2–3% assetback on spend. As of 2026-08-29 (L2, Bitget Wallet Help Center): activation 0.1 USDC on Base within 72h of KYC (10 USDC after); $0 annual; physical $49 incl. shipping; welcome bonus up to $20 for qualifying new spends. Confirm product name says Wallet Card in-app."
    },
    {
      "id": "nexo",
      "brand": "Nexo",
      "name": "Nexo Card",
      "lastVerified": "2026-09-02",
      "evidenceLevel": "L2-official-help-center",
      "virtual": "—",
      "physical": "—",
      "fx": "0.2%",
      "atm": "Free to tier limit (€200–€2,000/mo), then 2% (min €1.99/£1.99)",
      "factUrl": "/content/card-fact-nexo-20260902.html",
      "directAnswer": "Nexo Card offers crypto-backed credit or debit spend in EEA, UK, and selected European markets. As of 2026-08-29 (L2, Nexo Support): $0 annual/monthly/inactivity; weekday FX 0.2% in EEA/UK/CH vs 2% elsewhere (+0.5% weekend surcharge); ATM free to tier limit then 2%; up to 2% NEXO cashback at Platinum loyalty. Credit mode carries LTV/APR risk."
    },
    {
      "id": "metamask",
      "brand": "MetaMask",
      "name": "MetaMask Card",
      "lastVerified": "2026-09-02",
      "evidenceLevel": "L2-official-help-center",
      "virtual": "—",
      "physical": "$199",
      "fx": "—",
      "atm": "2% (Metal: first $1,200/mo free, then 2%)",
      "factUrl": "/content/card-fact-metamask-20260902.html",
      "directAnswer": "MetaMask Card spends USDC/USDT/wETH via Linea delegation while funds stay self-custodied until authorized spend. As of 2026-08-29 (L2, MetaMask Help Center): EU/UK pilot (Baanx issuer); virtual $0 annual; Metal $199 annual; 0.875% on DeFi tokens; 0.5% stablecoin wrong-currency pairs; 1% cross-border (waived on Metal fair-use); ATM 2%. Check waitlist if Card tab missing."
    },
    {
      "id": "okx",
      "brand": "OKX",
      "name": "OKX Card",
      "lastVerified": "2026-09-02",
      "evidenceLevel": "L2-official-help-center",
      "virtual": "€0 (virtual card)",
      "physical": "—",
      "fx": "0%",
      "atm": "—",
      "factUrl": "/content/card-fact-okx-20260902.html",
      "directAnswer": "OKX Card is an EEA/Norway virtual Mastercard (Jan 2026 launch) spending USDC/USDG with 0% OKX transaction and FX fees plus 0.1% stablecoin conversion spread. As of 2026-08-29 (L2, OKX Help Mar 2026): non-VIP 2% USDG cashback capped €10/mo; VIP 4+ up to 10% capped €1,000/mo. Iceland and Liechtenstein excluded. Set USDG as payment currency for cashback."
    },
    {
      "id": "cryptocom",
      "brand": "Crypto.com",
      "name": "Crypto.com Visa Card",
      "lastVerified": "2026-09-02",
      "evidenceLevel": "L2-official-help-center",
      "virtual": "$0 subscription/lockup; 0% CRO everyday rewards (crypto.com/en/cards)",
      "physical": "—",
      "fx": "0.5% foreign transactions today; 2% from 1 Sep 2026 (Help Center SG)",
      "atm": "Free $200–$1,000 USD/mo by tier; 2% above allowance + operator fees",
      "factUrl": "/content/card-fact-cryptocom-20260902.html",
      "directAnswer": "Crypto.com Prepaid Visa uses Level Up tiers (crypto.com/en/cards, verified 2026-09-02): Midnight Blue is free with 0% everyday CRO rewards; Plus/Pro/Private unlock 2–5% CRO with monthly caps on lower tiers. ATM: $200–$1,000 USD/mo free by tier, then 2%. HK/APAC users often receive Singapore-issued cards — SG Help Center (6043620) lists Midnight FX 0.5% (2% from 1 Sep 2026), Ruby/Jade 0% with caps changing Sep 2026. Card → Fees & Limits in-app is authoritative."
    },
    {
      "id": "bkj",
      "brand": "BKJ",
      "name": "BKJ Card",
      "lastVerified": "2026-09-02",
      "evidenceLevel": "L2-official-product-page",
      "virtual": "Fee at checkout in BKJ app (official posts cite 10 USDT; Terms §7: auto-deducted, non-refundable)",
      "physical": "Where offered — confirm in BKJ app",
      "fx": "Per Platform fee schedule in BKJ app (Terms §7.1)",
      "atm": "Global Visa ATM network; operator surcharges may apply",
      "factUrl": "/content/card-fact-bkj-20260902.html",
      "directAnswer": "BKJ Card (bkj.com/card, verified 2026-09-02): $0 annual fee; stablecoin top-ups via USDT/USDC on Ethereum and Tron with real-time fiat conversion at Visa merchants. Activation and conversion fees are shown in the BKJ app at checkout — Terms §7 states fees are auto-deducted and non-refundable. BKJ official communications cite 10 USDT activation; treat in-app checkout as authoritative."
    },
    {
      "id": "dpt",
      "brand": "DPT",
      "name": "DPT Oxygen Card",
      "lastVerified": "2026-09-02",
      "evidenceLevel": "L2-official-product-page",
      "virtual": "$10 USD one-time (dpt.xyz/learn/what-is-dpt-pay)",
      "physical": "$50 USD; ships 7–14 business days",
      "fx": "0%–2% depending on transaction currency",
      "atm": "2% of withdrawal; max ~3/day and ~$750/day total",
      "factUrl": "/content/card-fact-dpt-20260902.html",
      "directAnswer": "DPT Oxygen Visa Platinum (dpt.xyz/learn/what-is-dpt-pay, verified 2026-09-02): virtual card $10 USD one-time, physical $50 USD (7–14 day ship). USD POS spending: 0% card fee. Non-USD FX: 0%–2%. ATM: 2% with ~3 withdrawals/day and ~$750/day total. $5 signup voucher offsets spend only. No monthly or inactivity fees per dpt.xyz/learn/crypto-card-fees-explained."
    }
  ]
}