AmpBlack Card Review 2026
Reviewed by Mihail B. in · how we verify
Algorithmic score, not user reviews: how it is calculated
Closed to new applicants since . Cards you can still get
Fees and limits
| Issuance fee | Free |
|---|---|
| Annual fee | Free |
| FX fee | 1% on non-USD purchases; $0.35 flat fee on transactions under $15 |
| ATM limit | Available |
| Spending limit | Based on balance |
Features
- Welcome bonus: Up to 4% cashback
- Cashback: None
The fine print
- The card is discontinued
- The last published promotion ran in March 2026 and paid 4% on the first $250 and 1% on the next $750 of spend, only for holders of a premium physical card
- KYC: Yes
- Card type: Virtual + Physical
- Top up with: Crypto deposits; no credit check required
- Available countries: United States, plus a separate international programme for non-US users; no country list was published
Who issues the AmpBlack Card
AmpBlack Card does not name its issuer outright, and on the documents we could reach, the sponsor appears to be Third National (Nimbus LLC), USA; Puerto Rico money transmitter (NMLS #2612780), a subsidiary of Signify Holdings, Inc. ("Rain") per Rain's privacy policy, inferred from the program manager and not stated by the issuer itself.
All cards issued by Third National (Nimbus LLC) · Why the issuer matters
Pros and cons before it closed
Pros
- No annual or monthly fee; no credit check; self-custody wallet on Solana (all of this applied while the card was live)
- No card issuance fee
Cons
- US only
The fine print
- $0.35 fee on small transactions
- Promotional cashback rates may change
- Secured credit card, not debit: payment is due 21 days after each billing cycle closes, with a 2% late fee on the outstanding balance
- No IBAN or bank-account features
Regional availability
Was available in the United States
The AmpBlack Card was for US residents: United States, plus a separate international programme for non-US users.
Banking and fiat rails
Card overview
AmpBlack Card (Amp Pay) is a collateral-backed Visa credit card with 1% cashback on purchases, up to 12% APY on USDC savings, and no annual or monthly fees. Self-custody model, no credit check required. 1% fee on non-USD purchases.
