BonkX Card Review 2026
Reviewed by Mihail B. in · · how we verify
Algorithmic score, not user reviews: how it is calculated
Not issued to anyone yet. The issuer’s page
Fees and limits
| Issuance fee | First card included with membership. Replacement $50 plastic or $150 Noir metal; additional card $15/month; expedited shipping $35 |
|---|---|
| Annual fee | Membership required: Series 001 at $25/month, $250/year or $1,000 lifetime, price locked for life |
| FX fee | 1.5% on cross-border transactions |
| ATM limit | Free up to $500 a month, then 2% with a $3 minimum |
| Spending limit | Not yet disclosed |
Features
- Welcome bonus: Early members lock in Series 001 memb…
- Cashback: 1% in BXP points
The fine print
- BXP points at a base rate of 1% of qualifying card spend, plus tier bonuses by membership and volume
- The rate rises with tenure up to 25% above a new member's
- No dollar value for a BXP is stated
- Redemption is through a member catalog
- Custody: Self-custody: the app is a self-custody wallet and card spend is secured by crypto collateral
- KYC: Yes
- Card type: Virtual + Physical. Waitlist beta, no cards issued
- Top up with: Fiat by card or bank, or supported crypto
Full list
- The card terms list Ethereum, Polygon, Optimism and Arbitrum as supported blockchains
- The user agreement names Solana
- Available countries: Not published; sanctioned countries excluded. Homepage claims 150+ countries
Who issues the BonkX Card
The BonkX Card is issued by Third National (Nimbus LLC), USA; Puerto Rico money transmitter (NMLS #2612780), a subsidiary of Signify Holdings, Inc. ("Rain") per Rain's privacy policy. The issuer is named in the source linked below. (pre-launch, waitlist only; Third National named in the user agreement).
Primary source · All cards issued by Third National (Nimbus LLC) · Why the issuer matters
Supported cryptocurrencies
You can load the BonkX Card with crypto; the 3 assets we track for it are listed below.
Pros and cons
Pros
- Visa Infinite benefits
The fine print
- Self-custody wallet
- Fee schedule published in the user agreement
- First card included with membership
- ATM withdrawals free up to $500 a month
- Earn 1% cashback on eligible purchases
- Welcome bonus: Early members lock in Series 001 memb…
- Banking rails: SEPA / SWIFT support
Cons
- Not issued yet, waitlist only
The fine print
- $25 monthly membership required
- 1.5% FX
- No country list
- BXP has no stated cash value
- Terms conflict on whether US citizens can apply
- Annual fee: Membership required: Series 001 at $25/month, $250/year or $1,000 lifetime
Regional availability
Availability by exclusion list
Not published as a list. The international card terms and the user agreement require attesting you are not a US citizen, while a separate US consumer program terms page is also published.
Banking and fiat rails
Card overview
BonkX is still a waitlist. In September 2026 bonkx.io offered a single action, "Join beta waitlist", the App Store listed no BonkX app, and nobody has reported holding a card. BonkX is a neobank built around the BONK meme token, and its paperwork is further along than its product.
Card terms dated 13 May 2026 name Third National as issuer on Rain rails for a Visa Infinite card, and the user agreement carries a full fee schedule: a $25 monthly membership ($250 a year or $1,000 for life), 1.5% FX, free ATM withdrawals up to $500 a month and 2% after that, and BXP points at a base 1% with no stated cash value. The app is a self-custody wallet, and card spending is secured by crypto collateral. Two things in those documents do not line up.
The international terms ask you to attest that you are not a US citizen, yet a separate US consumer programme page is published; and the homepage promises every fee at bonkx.io/fees, which returns 404. Treat the numbers as the planned tariff, not a product you can hold. Best fit: nobody operationally today; this is waitlist-only. Worth watching if you're already a BONK holder and want a spend rail when the product opens to wider access.
Common questions about the BonkX 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.
