Binance Card Review 2026

Name: Binance Card
Brand: Mastercard
Availability: InStock

Last reviewed August 2026 · Fact-checked August 10, 2026 against issuer documentation

4.0 / 5.0Sweepbase rating

How this rating is calculated · Algorithmic score, not user reviews

Independently reviewed by Mihail B. · how we verify

CustodyCustodial

NetworkMastercard Prepaid

CashbackBrazil-only Mastercard: spend-based tiers 1.5% (<500 BRL/mo) / 2% (500-5,000) / 3% (>=5,000 BRL monthly spend), applied retroactively to the whole month; capped at 500 BRL/month and credited in BRL, not BNB (grid effective 2026-06-01, Binance card FAQ).

RegionsBinance names Brazil, Argentina, Peru and Armenia in its own words on binance.com/en/cards, whose region selector carries eight options: Brasil, LATAM, CIS, MEA, Australia, New Zealand, APAC and Argentina. The MEA, APAC, AU and NZ tabs name no country at all, and the CIS tab says only some CIS countries and Armenia, so no consolidated list of supported countries exists anywhere. A separate Binance Card Global Program runs through Immersve Limited, a New Zealand entity licensed as a card issuer by Mastercard. Excludes EEA, UK and United States - read from absence, since no European or American tab exists and binance.com/en-GB/cards 404s, not from any Binance statement

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Card Overview

If you came here from a Reddit thread about an 8% Binance card, that product hasn't existed for two years. The pre-December 2023 Visa hasn't been replaced. The live product is a Mastercard Prepaid running in Brazil — and only Brazil; Binance's own card FAQ lists no other supported country as of July 2026. Since June 2026 cashback works on spend tiers: 1.5% under 500 BRL of monthly spending, 2% from 500 to 5,000, 3% at 5,000 and up, with the higher rate applied retroactively to the whole month. The cap is 500 BRL a month, roughly $90, and payouts land in BRL, not BNB — unusual for a crypto card, and it means the reward carries no token price risk at all. Fees stack as 0.9% crypto-to-fiat conversion plus 1 to 2% FX on foreign currency. Funding requires a Binance exchange balance, with no direct on-chain top-up, and the card spends the Funding/Spot balance, which earns nothing. Issuance and annual fees are zero. Custodial. The EEA program closed in December 2023 with no MiCA-compliant relaunch announced. What's actually shipping today is a Brazil-only rail that pays real money instead of tokens — decent for Brazilians, invisible to everyone else.

Binance Card connects your Binance account to everyday spending at 60+ million merchants worldwide. Convert Bitcoin, BNB, and other cryptos instantly at point of sale with zero issuance or annual fees. Earn up to 3% cashback paid in BRL (capped at 500 BRL/month). The old 8% Visa card was discontinued in December 2023; the current Brazil Mastercard tops out at 3% for heavy spenders.

Editor’s note by Mihail B. · Founder & Editor

Reviewed August 2026 Verified against issuer docs

This is not the old 8% Binance Visa. That card was shut down at the end of 2023 and nothing has replaced it in Europe; note that the December 2023 date comes from press, because Binance's own closure FAQ no longer resolves. Re-checked 2026-08-05, and the Brazil-only reading this row used to carry is wrong: binance.com/en/cards carries an eight-option region selector (Brasil, LATAM, CIS, MEA, Australia, New Zealand, APAC, Argentina) and every option rewrites the same FAQ answer, so a reader who never clicks sees the line "Currently we support: Brazil." and stops there. Click through and the Argentina tab names Argentina, the LATAM tab names Peru, and Binance's help centre documents a separate Binance Card Global Program issued by Immersve Limited of New Zealand under the Mastercard Global Reach Partner Program, paying 0.5-2% in stablecoin capped at 20 USDC a month. What has not changed is that there is no card for the EEA, the UK or the United States. Since June 2026 cashback pays out in BRL, not BNB, on spend-based tiers of 1.5, 2 and 3 percent, capped at 500 BRL a month, roughly $90. I keep seeing this recommended in Reddit threads from people who still think the 8% rate exists. It doesn't. If you're outside Brazil the card simply isn't an option for you. I held the old European Visa through Contis for about eighteen months before it closed, which is where the first-hand detail in our Binance review comes from; the Brazil Mastercard described here is a different product that nobody on this desk has spent on, so this row is documentation-verified rather than tested.

Read our latest guideBinance Card Review 2026 — Is It Worth the Comeback?

This is a Mastercard crypto card. It offers cashback rewards.

Fees & Limits

Issuance Fee	Free
Annual Fee	Free
FX Fee	0.9% crypto-to-fiat conversion + 1-2% FX on foreign currency
ATM Limit	€290/day; 0.9% fee
Spending Limit	Varies by tier based on BNB holdings, up to €8700/day for highest tier

These figures can change. Confirm the current fees, FX and network in Binance’s official terms before you apply.

Features

Card Type: Virtual + Physical
Top up with: BTC, BNB, USDT and 10+ major cryptos
Available Countries: Brazil, Argentina, Peru, Australia, New Zealand (excludes United States United Kingdom European Economic Area)

Who issues the Binance Card

Binance Card does not name its issuer outright, and on the documents we could reach, the sponsor appears to be Pomelo S.A., Argentina (BaaS, multi-LatAm) — inferred from the program manager, not stated by the issuer itself. BR only; Pomelo names itself as BIN sponsor and program manager, but the licensed Brazilian entity is not identified in any primary source.

Primary source · All cards issued by Pomelo S.A. · Why the issuer matters

Supported Cryptocurrencies

You can load the Binance Card with crypto; the 3 assets we track for it are listed below. When you pay, the card converts crypto to local fiat automatically.

Networks & deposit details: Funded from Binance account: BNB, USDT, USDC, BTC, ETH, ADA, DOT, SOL, MANA, SXP (no direct on-chain top-up)

BTCBitcoinBNBBNBUSDTTether

Who Is the Binance Card Best For?

The Binance Card is a good fit for holders who want their balance to keep earning while it sits on the card.

The Binance Card pays 1.5% cashback on eligible purchases, so it works well as a daily spending card.

The card is currently available in Binance names Brazil, Argentina, Peru and Armenia in its own words on binance.com/en/cards, whose region selector carries eight options: Brasil, LATAM, CIS, MEA, Australia, New Zealand, APAC and Argentina. The MEA, APAC, AU and NZ tabs name no country at all, and the CIS tab says only some CIS countries and Armenia, so no consolidated list of supported countries exists anywhere. A separate Binance Card Global Program runs through Immersve Limited, a New Zealand entity licensed as a card issuer by Mastercard. Excludes EEA, UK and United States - read from absence, since no European or American tab exists and binance.com/en-GB/cards 404s, not from any Binance statement, so it works for residents and travellers in those areas.

Best for

Frequent spenders who want to earn 1.5% cashback
People who want a straightforward, app-managed crypto card
Budget-minded users (no issuance or annual fee)

Avoid if

You need full non-custodial control of your funds
You need traditional bank integration (IBAN, SEPA, direct debits)
You want a card backed by government deposit insurance (FDIC / FSCS)

Compare the Binance Card side-by-side with alternatives using the full card listing or explore our Mastercard crypto cards category.

Pros & Cons

Pros

Up to 2% cashback in BNB; zero card fees; backed by world's largest exchange; wide crypto support
No card issuance fee
No annual maintenance fee
Works wherever Mastercard is accepted worldwide
Available in most countries
Virtual card ready right away, no shipping wait

Cons

Max 2% BNB (was 8% on old discontinued Visa); capped at 250 BRL/month; custodial model; geographic restrictions
Full KYC required, no anonymous tier
No IBAN or bank account, prepaid only

How to Get the Binance Card

Here is what the sign-up process looks like, from application to first purchase.

Create a Binance account

A few minutes

Go to the Binance website or download the app. Sign up with your email, pick a password, and accept the terms.

Complete identity verification

Varies by issuer

Binance runs standard KYC: a government-issued photo ID and usually a selfie. Processing time varies by issuer and load.

Fund your card

Usually instant

Load your card with BTC, BNB, USDT and 10+ major cryptos through the funding screen. When you make a purchase, your crypto converts to local fiat at the current rate.

Start spending immediately

Instant

Your virtual Binance Card shows up in the Binance app right away. Use it online or add it to Apple Pay / Google Pay for tap-to-pay in stores.

Requirements

Minimum age18+ (issuer terms apply)

KYC requirementYes

ResidencyBinance names Brazil, Argentina, Peru and Armenia in its own words on binance.com/en/cards, whose region selector carries eight options: Brasil, LATAM, CIS, MEA, Australia, New Zealand, APAC and Argentina. The MEA, APAC, AU and NZ tabs name no country at all, and the CIS tab says only some CIS countries and Armenia, so no consolidated list of supported countries exists anywhere. A separate Binance Card Global Program runs through Immersve Limited, a New Zealand entity licensed as a card issuer by Mastercard. Excludes EEA, UK and United States - read from absence, since no European or American tab exists and binance.com/en-GB/cards 404s, not from any Binance statement

Minimum depositVaries by issuer, typically no minimum

Regional Availability

Available Worldwide

The Binance Card is available in most countries. Some places may be excluded because of local financial regulations, so check the Binance website to confirm before you apply.

Available in these regions:

BrazilArgentinaPeruAustraliaNew Zealand

Common questions about the Binance Card

What are the fees for the Binance Card?

Issuance fee: Free. Annual fee: Free. FX fee: 0.9% crypto-to-fiat conversion + 1-2% FX on foreign currency. ATM limit: €290/day; 0.9% fee. Spending limit: Varies by tier based on BNB holdings, up to €8700/day for highest tier. Always confirm current rates on the Binance website before applying.

How does the Binance Card cashback work?

Binance Card pays 1.5% on eligible purchases. Tier requirements and earning caps apply; check the Binance rewards page for the specifics.

Where is the Binance Card available?

Binance Card is available in: Binance names Brazil, Argentina, Peru and Armenia in its own words on binance.com/en/cards, whose region selector carries eight options: Brasil, LATAM, CIS, MEA, Australia, New Zealand, APAC and Argentina. The MEA, APAC, AU and NZ tabs name no country at all, and the CIS tab says only some CIS countries and Armenia, so no consolidated list of supported countries exists anywhere. A separate Binance Card Global Program runs through Immersve Limited, a New Zealand entity licensed as a card issuer by Mastercard. Excludes EEA, UK and United States - read from absence, since no European or American tab exists and binance.com/en-GB/cards 404s, not from any Binance statement, including Brazil, Argentina, Peru, Australia, New Zealand (excludes United States United Kingdom European Economic Area). Coverage can change as Binance gains or loses licences, so check their site for the latest.

What cryptocurrencies does the Binance Card support?

You can fund the Binance Card with: BTC, BNB, USDT and 10+ major cryptos. The card converts to local fiat at the point of sale. The supported asset list can change, so verify in the Binance app before topping up.

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