Cypher Card Review 2026
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Last updated: by the
Cypher Card delivers true self-custody with support for 500+ cryptocurrencies across 25+ blockchains—you control your private keys until the moment you spend. Earn up to 35% cashback in CYPR tokens through innovative epoch-based rewards with 300+ boosted merchant partners. Y Combinator-backed and battle-tested, Cypher Card brings unparalleled multi-chain flexibility to 158 countries with Premium tier offering a free metal card, reduced fees, and industry-first $300 fraud protection insurance.
This is a Visa crypto card. It uses a self-custody model. It offers cashback rewards. Available to US residents. Available in the UK.
| 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 |
The Cypher Card allows you to top up and spend using 4 supported digital assets. Your crypto is automatically converted to local fiat at the point of sale.
The Cypher Card is best suited for DeFi enthusiasts and privacy-conscious users who want to maintain control of their private keys right up to the point of purchase.
With Up to 35% in CYPR tokens (epoch-based with boosted merchants) cashback on eligible purchases, the Cypher Card rewards active spenders who use the card as their daily driver.
The card is currently available in 158 countries; 33 US states; broad global coverage — ideal for residents and frequent travellers in those areas.
Compare the Cypher Card side-by-side with alternatives using the full card listing or explore our Visa crypto cards category.
Getting started with the Cypher Card is straightforward. Follow the four steps below to apply, verify your identity, and start spending your crypto.
Visit the official Cypher website or download their mobile app. Register with your email address, set a strong password, and accept the terms of service. Sign-up is free.
Submit a government-issued photo ID (passport or national ID card) along with a live selfie for identity verification. Cypher processes applications in line with AML and KYC regulations.
Once verified, top up your card balance using 500+ tokens across 25+ blockchains including BTC, ETH, SOL, USDC, ATOM via the platform's funding interface. Your crypto is automatically converted to the local fiat currency at the prevailing rate when you spend.
Your virtual Cypher Card is available immediately in the Cypher app. Use it for online purchases, or add it to Apple Pay or Google Pay for in-store contactless payments.
Available Worldwide
The Cypher Card is available to users in the majority of countries worldwide. Minor exceptions may apply due to local financial regulations. Always confirm current availability on the Cypher website before applying.
Available in major markets including:
