Airtm Card Review 2026
Reviewed by Mihail B. in · · how we verify
Algorithmic score, not user reviews: how it is calculated
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Fees and limits
| Issuance fee | Free |
|---|---|
| Annual fee | Free; a $1 inactivity fee applies after 30 days without activity |
| FX fee | 0% on international transactions under the Lead Bank agreementThe fine print
|
| ATM limit | Not available (virtual card only) |
| Spending limit | $2,000/day |
Fees change; the current ones are in Airtm’s terms.
Features
- Welcome bonus: Up to 5 USD bonus
- KYC: Yes
- Card type: Virtual only
- Top up with: USDC balance; 400+ local payment methods (bank, crypto, mobile, wallets); debit/credit card
- Available countries: Argentina, Bolivia, Colombia and the US are named by Airtm for the card; the rest of the 15+ card countries are not published
Who issues the Airtm Card
The Airtm Card is issued by Lead Bank, USA (Missouri state-chartered); program managers Bridge and Stripe. The issuer is named in the source linked below.
Primary source · All cards issued by Lead Bank · Why the issuer matters
Supported cryptocurrencies
You can load the Airtm Card with crypto; the asset we track for it is listed below.
Pros and cons
Pros
- 0% fee on international transactions; free first card; Apple Pay and Google Pay; $2,000 daily spending; issuer (Lead Bank) and programme manager (Bridge) named
- No card issuance fee
- No annual maintenance fee
- Welcome bonus: Up to 5 USD bonus
Cons
- Virtual only
The fine print
- Loading fee up to 2% on the first $200 each month
- $1 inactivity fee after 30 days
- 1% fee to withdraw the balance by deleting the card
- Card countries not published
- No cashback
- No ATM
- No IBAN or bank account, prepaid only
Regional availability
Available in USA + LATAM
Latin America and the US; the card covers 15+ countries that Airtm does not list.
Estimate your annual cost with Airtm Card
Plug in how you actually use the card. We'll combine the Airtm Card's FX fee, cashback, and annual fee with your spending pattern to estimate your real annual cost.
- FX fee: the card publishes several rates (0%, 2%) for different tiers, regions or plans. The calculator uses the first; check the fees table above for the one that applies to you.
Estimates only. Spreads on crypto-to-fiat conversion and promotional rates may differ. See the fees table above for exact card terms.
Banking and fiat rails
Card overview
Airtm sells this card on funding: you load it from whatever your local economy pays you in. The 400+ local payment methods cover bank, crypto, mobile-money, and wallet rails across Latin America, plus standard card top-ups. The card is a virtual USD prepaid Visa issued by Lead Bank with Bridge as programme manager, loaded from your Airtm balance. No physical option.
International transactions carry no fee, but a loading fee of up to 2% applies to the first $200 each month, the card charges $1 after 30 days without activity, and there is a $2,000 daily spend cap. Airtm names Argentina, Bolivia, Colombia and the US for the card and does not list the rest of its 15+ card countries. There is no cashback, ATM access or IBAN. KYC is mandatory for the USD virtual card.
The audience that makes this work is the obvious one: gig workers and freelancers in Latin America paid in local rails who need a USD-spending instrument without juggling multiple wallets. Both Apple Pay and Google Pay run on it. I'd only recommend Airtm to LatAm users whose local payment access is fragmented (Argentina, Bolivia and Colombia are the countries Airtm names); anyone with normal banking and an exchange account already has cheaper rails.
Common questions about the Airtm Card
We do not collect user reviews. Answers come from the card terms, the issuer disclosure and the regulator registers we could reach, rechecked on the Data verified date above.
