Cypher Card
VisahybridKYC: required
3.0 / 5
Net Reward0.0
Availability3.5
Custody & Risk3.5
Features4.5
UX4.1
Cypher Card is a crypto prepaid Visa card that enables users to spend digital assets as fiat while maintaining non-custodial control of their crypto until the point of spending. It supports conversion from 500+ tokens across 25+ blockchains and is available in most regions including 33 US states.
Apply
Slug: cypher-card
Our Verdict
Crypto privacy advocates who value maintaining control of their assets until spending, multi-chain cryptocurrency enthusiasts with diverse token portfolios, CYPR rewards seekers who can maximize value through epoch-based token distribution, and high-volume spenders who need elevated spending limits and premium features.
Pros and cons
Pros
- Non-custodial approach gives users maximum control over crypto assets
- Extensive multi-chain support with 500+ tokens across 25+ blockchains
- Active CYPR rewards program with epoch-based distribution and boosted merchants
- Industry-first fraud protection insurance on Premium tier
Cons
- Physical card costs $50 on Standard tier
- 1.75% foreign exchange fee plus possible bank fees on non-USD transactions
- Default spending limits require increases via support
- Limited geographic availability with 17 US state restrictions
Supported chains
BaseEthereumSolanaTRON
Supported cryptos
BNBBTCDAIETHMATICSOLTRXUSDCUSDT
Fees
Annual: See card_tiers
Issuance: See card_tiers
Crypto To Fiat: 0.5-1% depending on tier
Purchase Transaction: No fee (USD transactions)
Key Features
- Non-custodial approach - users maintain control of crypto until point of spending
- Supports 500+ tokens across 25+ blockchains
- Integration with Apple Pay and Google Pay
- Virtual and physical card options (plastic or metal)
- CYPR token rewards program with epoch-based distribution
- Accepted at 40+ million merchants worldwide
- Telegram banking integration
- Business card features with accountant login
Limitations
- $50 shipping fee for physical card on Standard tier
- 1.75% foreign exchange fee on non-USD transactions plus possible bank fees
- Default daily spending limits require increases via support
- Limited geographic availability with 17 US state restrictions
- $10 fee for additional virtual cards
- USDC on certain chains like BNB is bridged and not eligible for free USDC load benefits
Risks
- CounterpartyConverted funds may be lost if provider disappearsIf provider disappears, unconverted crypto remains accessible; converted funds may be lost
- MarketRewards paid in volatile CYPR tokensRating slightly penalized for payout in volatile CYP tokens
Rewards & Cashback
Notes: Rewards split into Base Spends and Boosted Spends. Boosted merchants offer multipliers (2x, 3x, etc.). Users can influence reward distribution through veCYPR-style voting mechanics. Up to 300+ boosted brands available per epoch.
Reward Token: CYPR
Cashback Rate: Up to 35% in CYPR tokens for engaged users
Excluded Transactions:ATM withdrawals, Refunds, Visa Direct transactions
Eligibility Requirements: Rewards calculated per 14-day epoch cycles based on plan tier and merchant multipliers
Spending Limits
Notes: Limit increases available up to $100,000+ monthly via in-app request. No load limits.
Atm Daily: $2,000 (3 transactions/day, fixed)
Atm Monthly: $10,000 (30 transactions/month, fixed)
Daily Spending: $10,000 (Standard) / $20,000 (Premium) default
Monthly Spending: $30,000 (Standard) / $60,000 (Premium) default
Top-Up Methods
Non-custodial wallet connectCypher Wallet app
Max Amount: No load limits
Min Amount: $10 card load required for activation
Processing Time: Instant in most cases, pending blockchain confirmation
Banking & Financial Services
Telegram banking integration with bot for checking balances and potentially loading cards
Security Features
Features: PIN protection for transactions,3-D Secure for online purchases,Two-factor authentication,Lockdown Mode to instantly freeze the card,$300 fraud protection insurance (Premium tier - industry first)
Insurance: $300 fraud protection insurance on Premium tier
Mobile Wallet Support
Apple PayGoogle PayiOSAndroid
Best For
Crypto privacy advocates who value maintaining control of their assets until spending, multi-chain cryptocurrency enthusiasts with diverse token portfolios, CYPR rewards seekers who can maximize value through epoch-based token distribution, and high-volume spenders who need elevated spending limits and premium features.
Custody Model
hybridUsers control private keys and crypto until initiating conversion. Crypto is transferred to platform only during conversion to USD for card use. Non-custodial approach where users maintain control of assets until the point of spending.
Risk: If provider disappears, unconverted crypto remains accessible; converted funds may be lost.
Card Issuer & Compliance
Issuer Name: CypherD Wallet Inc. with banking partners
Kyc Required: true
Availability
Available in 158 countries. Restricted in 54 countries. US: Partial availability in 33 states. Not available in Arizona, Delaware, Georgia, Idaho, Louisiana, Maryland, Missouri, New Mexico, North Dakota, Ohio, Oregon, Rhode Island, South Dakota, Vermont, Washington, Wisconsin, Wyoming.
Card Tiers
Standard
PhysicalPlastic
Fees
Issuance: Free (virtual), $50 shipping fee (physical)
Monthly Limit: $30,000 (default)
VisaApple PayGoogle Pay
Cashback: CYPR token rewards via epoch-based distribution
Premium
PhysicalMetal
$199 per year annual fee
Fees
Issuance: Free (virtual and metal card with free shipping)
Monthly Limit: $60,000 (default)
VisaApple PayGoogle Pay
Cashback: CYPR token rewards via epoch-based distribution
$300 fraud protection insurance (industry first)Up to 3 additional cards for family membersEnhanced travel features
Token Economics
CYPR
Referral: 50 Cypher Reward Points bonus with code 'AIRDROP'
User Ratings
4.1/5.0 (1,450 ratings)
Google Play
4.2/5.0 (27 ratings)
App Store
Generally positive user feedback with praise for clean interface and functionality
Roadmap & Updates
Recent Updates:
- CYPR Token Generation Event occurred on October 5, 2025
- Protocol epochs beginning October 9, 2025
- 60,000,000 CYPR tokens distributed to early users through airdrop program
Conclusion
The Cypher Card stands out in the crypto card market primarily through its non-custodial architecture and extensive multi-chain support. By allowing users to maintain control of their assets until the point of spending, it addresses a key concern for security-conscious crypto holders while still providing the convenience of everyday spending. The card's support for 500+ tokens across 25+ blockchains makes it one of the most flexible options available, particularly for users who hold diverse cryptocurrency portfolios. The launch of the CYPR token protocol with epoch-based rewards distribution creates compelling incentives for regular card usage, with engaged users potentially earning up to 35% cashback. The Premium tier's industry-first fraud protection insurance adds an extra layer of security that competitors don't offer. However, the limited geographic availability, particularly the 17 US state restrictions, significantly limits the card's accessibility. Overall, Cypher Card is well-suited for crypto users in supported regions who prioritize asset control, multi-chain support, and rewards optimization through the CYPR protocol.
Card launched: 2022 (or earlier)
Related cards
Ether.Fi Cash Card
4.5
VisahybridKYC Required
Details of Ether.Fi Cash Card crypto card including cashback rewards, fees, staking requirements, and review. Compare with other cryptocurrency cards.
Networks
BaseEthereumGnosisScroll
Ready Card
4.5
Mastercardself-custodialKYC Required
Details of Ready Card crypto card including cashback rewards, fees, staking requirements, and review. Compare with other cryptocurrency cards.
Networks
BaseBitcoinEthereum
Crypto.com Card
4.0
Visa + MastercardcustodialKYC Required
Details of Crypto.com Card crypto card including cashback rewards, fees, staking requirements, and review. Compare with other cryptocurrency cards.
Gemini Credit Card
4.0
MastercardcustodialKYC Required
Details of Gemini Credit Card crypto card including cashback rewards, fees, staking requirements, and review. Compare with other cryptocurrency cards.
Networks
BitcoinEthereumSolana