Cypher 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 | Standard $50; Premium Free metal |
|---|---|
| Annual fee | Standard Free; Premium $199/year |
| FX fee | Standard 1.75%; Premium 0.75% (plus possible 0.25-1% bank fee) |
| ATM limit | $2000/day, $10000/month (fixed for both tiers) |
| Spending limit | Standard $10000/day; Premium $20000/day |
Features
- Welcome bonus: 50 CYPR tokens after first transaction
- Cashback: Up to 35% in CYPR tokens (epoch-based with boosted merchants)
- KYC: Yes
- Card type: Virtual + Physical
- Top up with: 500+ tokens across 25+ blockchains including BTC, ETH, SOL, USDC, ATOM
- Available countries: Afghanistan, Albania, Algeria, Andorra, Angola, Anguilla, Antigua and Barbuda, Argentina, Armenia, Aruba, Austria…
Full list
… Azerbaijan, Bahamas, Bahrain, Bangladesh, Barbados, Belgium, Belize, Benin, Bermuda, Bhutan, Bosnia and Herzegovina, Botswana, Brazil, Brunei, Canada, Cape Verde, Cayman Islands, Chad, Chile, Christmas Island, Cocos (Keeling) Islands, Comoros, Cook Islands, Costa Rica, Croatia, Cyprus, Czechia, Denmark, Djibouti, Dominica, Dominican Republic, Ecuador, Egypt, El Salvador, Equatorial Guinea, Estonia, Ethiopia, Falkland Islands, Faroe Islands, Fiji, Finland, France, French Polynesia, Gabon, Gambia, Georgia, Germany, Ghana, Gibraltar, Greece, Greenland, Grenada, Guadeloupe, Guam, Guatemala, Guernsey, Guyana, Honduras, Hong Kong, Hungary, Iceland, India, Ireland, Israel, Italy, Jersey, Kazakhstan, Kiribati, Kuwait, Kyrgyzstan, Laos, Latvia, Lesotho, Liechtenstein, Lithuania, Luxembourg, Macau, Madagascar, Malawi, Malaysia, Maldives, Malta, Marshall Islands, Martinique, Mauritania, Mauritius, Mayotte, Mexico, Moldova, Monaco, Mongolia, Montenegro, Montserrat, Nauru, Nepal, Netherlands, New Caledonia, New Zealand, Niger, Nigeria, Niue, Norfolk Island, North Macedonia, Northern Mariana Islands, Norway, Oman, Panama, Papua New Guinea, Paraguay, Peru, Pitcairn, Poland, Portugal, Qatar, Réunion, Romania, Saint Kitts and Nevis, Saint Lucia, Saint Pierre and Miquelon, Samoa, San Marino, Sao Tome and Principe, Saudi Arabia, Seychelles, Slovakia, Slovenia, Solomon Islands, South Korea, Spain, Sri Lanka, Suriname, Swaziland, Sweden, Switzerland, Taiwan, Tajikistan, Thailand, Timor-Leste, Togo, Tokelau, Tonga, Trinidad and Tobago, Tunisia, Turkey, Turkmenistan, Turks and Caicos Islands, Tuvalu, United Arab Emirates, United Kingdom, United States, Uruguay, Uzbekistan, Vanuatu, Vatican City State, Vietnam, Wallis and Futuna, Zambia, Zimbabwe
Who issues the Cypher Card
The Cypher 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.
Primary source · All cards issued by Third National (Nimbus LLC) · Why the issuer matters
Pros and cons before it closed
Pros
- True non-custodial spending; 500+ tokens across 25+ chains; up to 35% CYPR rewards; $300 fraud insurance (Premium)
- Earn up to 35% cashback on eligible purchases
- Welcome bonus: 50 CYPR tokens after first transaction
- Multi-chain top-up across 7+ networks
Cons
- $50 physical card fee (Standard); 1.75% FX fee; 17 US states restricted; manual conversion required
- Card issuance fee: Standard $50
- No IBAN or bank account, prepaid only
Regional availability
Was available worldwide
The Cypher Card was available in most countries.
Was available in these regions:
Banking and fiat rails
Card overview
Cypher closed to new cards on 8 July 2026. Nium acquired the company, and the app, the card and the CYPR token ecosystem wound down on a fixed schedule: card loading and new issuance ended on 8 July, cards stopped working at midnight UTC on 8 August, so 7 August was the last full day of spending, and the platform closed with the end of withdrawals on 6 September 2026. CYPR holders got no compensation or buyback. Moonwell Card and Osmosis Pay ran on the same Cypher platform and closed to applicants on the same date.
While it ran, Cypher was a self-custody card open to US users in 33 supported states, spending from 500+ tokens across 25+ chains. The 35% headline rewards rate was an epoch-based campaign on boosted merchants, and base earnings came in CYPR tokens. The Standard tier charged a $50 physical card fee and 1.75% FX; Premium cut FX to 0.75% for $199 a year.
