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Stella Card

Custodial Visa credit card that auto-converts BTC, ETH, USDT, and USDC to USD.

Stella Card is a crypto-backed Visa credit card that automatically converts BTC, ETH, USDT, and USDC to USD at the point of sale. It offers both virtual and physical cards with mobile wallet support, but most fees are only disclosed within the app after registration.

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Best for

Users spending BTC/ETH/USDT/USDC via Apple Pay/Google Pay without manual conversion.

Skip if

You want cashback rewards or publicly listed fees before signing up.

Network
visa
Custody
custodial
KYC
full
Max cashback
0.00%
Min monthly fee
$0
Apple Pay
Yes
Google Pay
Yes
Physical card
Yes

The verdict

What we like
  • 0% crypto deposit fees (only gas).
  • Supports Apple Pay, Google Pay, Alipay, WeChat Pay.
  • Supports ERC-20, TRON, BNB, Polygon, Arbitrum, Optimism.
  • Crypto withdrawal fees start from 1 USD.
  • Accepted on Visa-network at 40M+ merchants.
Watch outs
  • Limited to BTC, ETH, USDT, and USDC.
  • No cashback or staking rewards program (0%).
  • Virtual card requires an upfront, in-app fee.
  • No annual fee, but a virtual card fee is disclosed in-app.
  • Supports Apple Pay/Google Pay, but only for BTC, ETH, USDT, USDC.
  • Free physical card requires a high $20,000 top-up threshold.

Basic information

Stella Card is a crypto-backed Visa credit card that enables users to spend cryptocurrencies at Visa-accepting merchants without manual conversion. It supports BTC, ETH, USDT, and USDC for collateral. The card starts with a zero credit limit, which increases as users deposit crypto. It is available globally except for 49 restricted countries and integrates with Apple Pay, Google Pay, Alipay, and WeChat Pay. While there are no annual fees, other charges like virtual card application fees and ATM withdrawal fees are only disclosed within the Stella Pay app.

Fees

Stella Card has no annual maintenance fees and charges 0% for crypto deposits (users only pay blockchain network gas fees). However, many other fees are only disclosed within the app after registration.

  • Virtual Card Application: Pay-as-you-go fee (disclosed in-app).
  • Physical Card: Free after accumulating USD 20,000 in top-ups; a delivery fee applies otherwise.
  • Annual Fee: None.
  • Crypto Deposit: 0% (network gas fees apply).
  • ATM Withdrawal: Fees and allowances are disclosed only inside the Stella Pay app.
  • Crypto-to-Fiat Conversion: Displayed dynamically in-app at interbank exchange rates.
  • Crypto Withdrawal: Fees start from 1 USD.

Spending & ATM limits

Notes
Spending limit based on crypto deposit amount
Atm Daily
USD 2,000 (up to 3 withdrawals daily)
Atm Monthly
USD 10,000 (up to 30 withdrawals monthly)
Daily Spending
USD 100,000 for regular accounts (tied to wallet/card balance)
Credit Line Max
Zero starting credit limit; increases based on cryptocurrency deposits and card usage

Features

The Stella Card offers both virtual and physical card options, accepted at over 40 million Visa merchants worldwide.

  • Automatic Conversion: Automatically converts crypto (BTC, ETH, USDT, USDC) to USD at the point of sale.
  • Mobile Wallet Integration: Supports Apple Pay, Google Pay, Alipay, and WeChat Pay.
  • Global Availability: Available in most countries, except for 49 restricted jurisdictions.
  • Multi-Network Support: Supports deposits from ERC-20, TRON, BNB Smart Chain, Polygon, Arbitrum One, and Optimism.
  • Spending Limits: Daily spending limit of USD 100,000, tied to the user's balance.
  • ATM Access: Daily withdrawal limit of USD 2,000, up to 3 times per day.

Rewards

Stella Card does not offer an ongoing cashback or staking rewards program. Its primary benefit is the utility of spending crypto directly. * **Cashback:** None. * **Referral Program:** Users can earn up to 40% commission on card fees and up to 38% on top-up fees from referrals, with a potential to earn up to USD 100,000 per year.

Availability

Available in 57 countries globally. Restricted in 49 countries. Key regions missing: Hong Kong, United Arab Emirates, South Africa.

Top-up & funding

  • Crypto (BTC, ETH, USDT, USDC)
  • Stella Pay mobile app
  • Telegram Mini App

Security & custody

  • Advanced encryption for data protection
  • Real-time transaction alerts
  • Two-factor authentication (2FA)
  • Ability to lock card immediately
  • Customizable spending caps
  • Continuous AML monitoring

Risk note. If the provider ceases operations or experiences a security breach, users risk losing access to their funds as they do not control the private keys.

Mobile wallets

Apple Pay Supported
Google Pay Supported
Samsung Pay Not supported

Card tiers

Standard

Cashback
None
Card material
Virtual and Physical options available
ATM free
Disclosed in-app only
Issuance fee
Virtual card: Pay-as-you-go fee (disclosed in-app); Physical card: Delivery fee waived after USD 20,000 top-up
Requirements
Full e-KYC process required during sign-up
  • Automatic crypto-to-USD conversion at point of sale
  • Seamless fund transfers between virtual and physical cards
  • Easy cashout and ATM withdrawal capabilities
  • Free physical card after accumulating USD 20,000 in top-ups
  • Refunds processed in base currency (USD)

Loan & credit features

Credit card that starts with a credit limit of zero. Users build credit by using the card and by collateralizing cryptocurrency through top-ups.

What users say

App Store
5.0/5.0 (5 ratings)
Trustpilot
3.2/5.0 (1 ratings)

Mixed feedback - positive reports about fast transactions, well-designed app, and easy ID verification; negative reports about virtual card cost, limited crypto support, and occasional account access issues

Risks & limitations

Risks
  • CounterpartyCustodial model where Stella holds all user crypto in Stella-managed wallets
  • SecurityOccasional account access issues reported by some users
Limitations
  • moderateNo cashback or rewards program
  • moderateATM withdrawal fees and limits disclosed only in-app
  • moderateLimited cryptocurrency support (only BTC, ETH, USDT, USDC)
  • moderateSome fees only disclosed within the app after registration
  • minorVirtual card application fee required (disclosed in-app)
  • minorZero starting credit limit requires crypto collateralization to build spending power
  • minorUSD is currently the only supported base currency

Roadmap

Recently shipped
  • VeChain / VeBetterDAO co-branded integration launched in April 2025
Planned
  • Support for more cryptocurrencies in the future

Best suited for

Crypto enthusiasts who want to spend digital assets without manual conversion processes, frequent international travelers who benefit from worldwide Visa acceptance and mobile wallet integration, and high-volume cryptocurrency users who can meet the USD 20,000 top-up threshold for a free physical card.

Our verdict

Stella Card offers a straightforward solution for crypto holders seeking to integrate digital assets into everyday spending. Its strength lies in the automatic conversion feature that handles the crypto-to-USD exchange at the point of sale using interbank exchange rates, paired with broad acceptance through the Visa network and integration with popular mobile wallets. While the lack of ongoing cashback rewards and limited cryptocurrency support are notable drawbacks, Stella Card's focus on simplicity and functionality provides a solid option for those prioritizing seamless crypto spending over rewards maximization.

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