Moto Card Review 2026
Reviewed by Mihail B. in · · how we verify
Algorithmic score, not user reviews: how it is calculated
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Fees and limits
| Issuance fee | Virtual card included with membershipThe fine print
|
|---|---|
| Annual fee | Paid membership required: Lite $50/month or $500/year; Full $250/month or $2,500/year. New members get a 15-day trial |
| FX fee | Up to 2.2% on Lite membership per the fee table…The fine print
|
| ATM limit | Not yet disclosed |
| Spending limit | Dynamic credit limit set by Moto against your collateral; no fixed figure published |
Fees change; the current ones are in Moto’s terms.
Features
- Cashback: Up to 5x points
The fine print
- Points worth $0.01 each
- Full members: 1x on all spend, 3x on dining and retail, 5x on travel
- Lite members: 1x on all spend, 2x on travel and dining
- Statement-credit redemption is capped monthly: $50 on Lite
- From $200 on Full, rising with balance or spend, uncapped above a $5M balance or $1M monthly spend
- Flight and hotel redemptions are not capped
- Custody: Self-custody: USDC collateral sits in smart contracts in your custody, and Moto can liquidate it for unpaid charges
- KYC: Yes
- Card type: Virtual + Physical
- Top up with: USDC on Solana is the only accepted collateral; other crypto can be deposited and converted; EUR bank transfers through a virtual IBAN; bank accounts supported
- Available countries: No allow-list published
Full list
- The excluded countries are Belarus, mainland China, Cuba, India, Iran, Iraq, Israel, Myanmar, Nepal, Nicaragua, North Korea, Russia, Syria, Turkey, Ukraine, Venezuela and Vietnam
- US citizens are excluded by the card terms
Who issues the Moto Card
The Moto 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. Card Terms: "The issuer for this card program is Third National."
Primary source · All cards issued by Third National (Nimbus LLC) · Why the issuer matters
Supported cryptocurrencies
You can load the Moto Card with crypto; the asset we track for it is listed below.
Pros and cons
Pros
- Visa Infinite with unlimited airport lounge access on both tiers
The fine print
- 0% FX on Full membership
- Collateral stays in smart contracts in your custody
- Points have a fixed value of one cent
- EUR virtual IBAN included
- Multi-chain top-up across 5+ networks
Cons
- Membership costs $500 or $2,500 a year
The fine print
- Lite members pay up to 2.2% FX and $250 for a physical card
- Only USDC on Solana counts as collateral
- Deposit yield rates are not published outside the app
- US citizens and 17 countries are excluded
- Statement-credit redemption is capped each month
- Annual fee: Paid membership required: Lite $50/month or $500/year
Regional availability
Availability by exclusion list
Outside the US: the card terms call it an international card and require applicants to attest they are not US citizens. 17 countries are excluded, including China, India, Turkey, Ukraine and Vietnam.
Banking and fiat rails
The fine print
- One-time €5 for Lite members, free for Full members
- No USD account or SWIFT mentioned
Card overview
Moto is a membership first and a card second. You pay $500 a year for Lite or $2,500 for Full, deposit USDC on Solana into smart contracts you control, and get a Visa Infinite charge card with a credit line set against that deposit. The balance is taken from the collateral once a month at 0% interest, and if you do not pay, Moto can liquidate the collateral. The 5% cashback and the 2% to 5% deposit yield from the January launch announcement are no longer published.
Deposit rewards still accrue on the collateral, but the rate appears only in the app, and Moto takes a fee on the yield. Rewards are now points worth one cent each: 1x on everything, up to 5x on travel for Full members, with statement credits capped each month. Full members also get 0% FX and a free physical card. On Lite you pay $250 for plastic and up to 2.2% FX by the fee table, although section 8.2 of the same terms says up to 1%.
The issuer is Third National on Rain, and the terms describe an international card whose applicants attest they are not US citizens. Do the arithmetic before you join. At one cent a point, earning back Lite's $500 takes $50,000 a year of ordinary 1x spend, so for most people a free card with 0% FX costs less.
Common questions about the Moto 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.
