Standard
Free- Cashback
- CYPR token rewards via epoch-based distribution
- Card material
- Plastic
- Monthly limit
- $30,000 (default)
- Issuance fee
- Free (virtual), $50 shipping fee (physical)
DeFi maxiCypherD Wallet Inc. with banking partnersvisa● Live
Cypher Card
Non-custodial Visa prepaid card supporting 500+ tokens across 25+ blockchains.
Cypher Card is a crypto prepaid Visa card letting users spend digital assets as fiat. It supports conversion from 500+ tokens across 25+ blockchains, with users retaining crypto control until spend.
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Best for
Privacy advocates valuing non-custodial control and multi-chain (25+) token support.
Skip if
You live in one of the 17 restricted US states or need a free physical card.
Network
visa
Custody
hybrid
KYC
full
Max cashback
35%
Min monthly fee
$0
Apple Pay
Yes
Google Pay
Yes
Physical card
Yes
The verdict
What we like
- Non-custodial model gives users maximum control over their crypto assets.
- Supports 500+ tokens across 25+ blockchains.
- $300 fraud protection insurance on Premium tier.
Watch outs
- Physical card costs $50 on Standard tier.
- 1.75% foreign exchange fee on non-USD transactions.
- Default spending limits ($10k/day) require support contact to increase.
- Unavailable in 17 US states including AZ, GA, OH, and WA.
- Non-custodial model reduces risk; funds are held in your own wallet.
- Standard tier has a $50 physical card fee and 1.75% FX fee.
- Premium tier ($199/yr) offers 0% USDC conversion and $300 fraud insurance.
Basic information
The Cypher Card is a Y Combinator-backed crypto prepaid Visa card that enables users to spend cryptocurrency at over 40 million merchants worldwide. It offers a non-custodial approach where users maintain control of their assets until the point of conversion. The card is available in virtual and physical formats (plastic or metal) and integrates with Apple Pay and Google Pay.
Card Details:
- Card Network: Visa
- Card Type: Prepaid debit card
- Card Formats: Virtual (instant), Physical (Plastic or Metal)
- Availability: 153+ countries, with restrictions in 17 US states.
Fees
Cypher Card uses a two-tier fee structure. The Premium tier has an annual fee but offers reduced conversion and foreign exchange fees.
| Fee Type | Standard Tier | Premium Tier | | --- | --- | --- | | Annual Fee | Free | $199 per year | | Physical Card | $50 shipping fee (plastic) | Free (metal) | | Additional Virtual Card | $10 per card | $10 per card | | USDC Conversion Fee | 0.5% | 0% | | Other Crypto Conversion | 1% | 0.5% | | Low Liquidity Token Load | 1%-3% | 1%-3% | | Foreign Exchange (FX) | 1.75% markup | 0.75% markup | | ATM Withdrawal Fee | 3% | 2% | | Reversal to Crypto Fee | 0.5% ($1 minimum) | 0.5% ($1 minimum) |
Spending & ATM 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
Features
Spending Limits (Default):
- Standard Tier: $10,000 daily / $30,000 monthly
- Premium Tier: $20,000 daily / $60,000 monthly
- *Limit increases are available up to $100,000+ monthly via in-app request.*
ATM Limits:
- All Tiers: $2,000 daily (3 transactions) / $10,000 monthly (30 transactions)
Key Features:
- Card Formats: Instant virtual card upon KYC. Optional plastic card (Standard) or free metal card (Premium).
- Top-Up Methods: Pre-load required by converting crypto to USD in-app from a non-custodial wallet.
- Security: PIN protection, 3-D Secure, two-factor authentication, and an instant "Lockdown Mode".
- Premium Benefits: Includes $300 fraud protection insurance, enhanced travel features, and up to 3 additional cards for family members.
Rewards
The card features an active rewards program centered around the CYPR token, with no staking requirements to participate. - **Reward System:** Users earn CYPR tokens on card spending through 14-day epoch cycles. - **Reward Calculation:** Rewards are split into 'Base Spends' and 'Boosted Spends'. Boosted merchants, which can be voted on by users, offer multipliers (e.g., 2x, 3x). - **Potential Cashback:** Engaged users can potentially earn up to 35% cashback in CYPR tokens. - **Exclusions:** ATM withdrawals, refunds, and Visa Direct transactions do not earn rewards. - **Referral Program:** An active referral program rewards users with "Cypher Reward Points" that contribute to their standing in the CYPR token protocol.
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.
Top-up & funding
- Non-custodial wallet connect
- Cypher Wallet app
Instant in most cases, pending blockchain confirmation
Security & custody
- 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)
Risk note. If the provider disappears, unconverted crypto in the user's wallet remains accessible. However, any funds already converted to USD and held on the card balance may be lost.
Mobile wallets
Apple Pay Supported
Google Pay Supported
Samsung Pay Not supported
Card tiers
Premium
$199 per year- Cashback
- CYPR token rewards via epoch-based distribution
- Card material
- Metal
- Monthly limit
- $60,000 (default)
- Issuance fee
- Free (virtual and metal card with free shipping)
- Requirements
- $199 per year annual fee
- $300 fraud protection insurance (industry first)
- Up to 3 additional cards for family members
- Enhanced travel features
Banking services
Telegram banking integration with bot for checking balances and potentially loading cards
What users say
App Store
4.2/5.0 (27 ratings)
Google Play
4.1/5.0 (1,450 ratings)
Generally positive user feedback with praise for clean interface and functionality
Risks & limitations
Risks
- CounterpartyConverted funds may be lost if provider disappears
- MarketRewards paid in volatile CYPR tokens
Limitations
- moderate$50 shipping fee for physical card on Standard tier
- moderate1.75% foreign exchange fee on non-USD transactions plus possible bank fees
- minorDefault daily spending limits require increases via support
- majorLimited geographic availability with 17 US state restrictions
- minor$10 fee for additional virtual cards
- minorUSDC on certain chains like BNB is bridged and not eligible for free USDC load benefits
Roadmap
Recently shipped
- 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
Best suited 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.
Our verdict
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.
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