Moto Card Review 2026
Last reviewed · against issuer documentation
How this rating is calculated · Algorithmic score, not user reviews
Independently reviewed by Mihail B. · how we verify
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Card Overview
Moto is a premium Visa Infinite charge card built on blockchain infrastructure, targeting high-net-worth crypto users. Spending is collateralized by your digital assets — deposits earn 2-5% APY yield (depending on tier) while simultaneously powering up to 5% cashback on purchases. Zero FX fees and full Visa Infinite perks: concierge, airport lounges, and bundled Spotify Premium, YouTube Premium, Netflix, Financial Times, and Economist subscriptions. Founded by ex-Squads team members Shimon and Ramses; backed by Cyber Fund and Eterna Capital ($1.8M pre-seed, Dec 2025). Currently invite-only for a select community of entrepreneurs, tastemakers, and crypto power users.
This is a Visa crypto card. It offers cashback rewards.
Fees & Limits
| Issuance Fee | Not yet disclosed (invite-only) |
|---|---|
| Annual Fee | Not yet disclosed (invite-only) |
| FX Fee | 0% (No FX fees) |
| ATM Limit | Not yet disclosed |
| Spending Limit | Not yet disclosed |
These figures can change. Confirm the current fees, FX and network in Moto’s official terms before you apply.
Features
- Card Type: Physical
- Top up with: Stablecoin deposits (yield engines: Reflect, USD*); IBAN transfers
- Available Countries: Not yet disclosed (invite-only, targeting 180+ countries for spend)
Banking & Fiat Rails
Not disclosed — Moto's own site (invite/waitlist only, no cards issued yet) makes no mention of IBAN, SEPA, SWIFT, or any bank-account feature; the earlier 'per cyber.fund' claim has no primary-source confirmation
Who issues the Moto Card
Moto Card does not name its BIN sponsor in any public document we could reach. That is not unusual — around a quarter of the cards we track do the same. See our BIN-sponsor research for why disclosure varies and what it means for you.
Supported Cryptocurrencies
You can load the Moto Card with several cryptocurrencies. When you pay, the card converts crypto to local fiat automatically.
Networks & deposit details: Stablecoin deposits (yield via Reflect, USD* strategies); specific blockchains not disclosed publicly (founders have Solana ecosystem background via Squads)
Supported assets: Stablecoin deposits (yield engines: Reflect, USD*); IBAN transfers
Who Is the Moto Card Best For?
The Moto Card is a good fit for holders who want their balance to keep earning while it sits on the card.
The Moto Card pays up to 5% cashback on eligible purchases, so it works well as a daily spending card.
The card is currently available in Invite-only, so it works for residents and travellers in those areas.
Best for
- Frequent spenders who want to earn up to 5% cashback
- People who want a straightforward, app-managed crypto card
Avoid if
- You need full non-custodial control of your funds
- You want a card backed by government deposit insurance (FDIC / FSCS)
Compare the Moto Card side-by-side with alternatives using the full card listing or explore our Visa crypto cards category.
Pros & Cons
Pros
- 5% cashback across all tiers; up to 5% APY yield on deposits; 0% FX fees; Visa Infinite perks (concierge, airport lounges); bundled YouTube Premium, Spotify Premium, Netflix, Financial Times, Economist; smart-contract reserves; backed by Cyber Fund + Eterna Capital
- Works wherever Visa is accepted worldwide
- Banking rails: IBAN / SEPA / SWIFT support
Cons
- Invite-only — not publicly available; geographic availability not disclosed; full 5% yield tier requires $500K+ deposit; new product (Dec 2025 pre-seed), limited track record; issuer bank not disclosed; not FDIC-insured; specific supported blockchains not confirmed
- Card issuance fee: Not yet disclosed (invite-only)
- Annual fee: Not yet disclosed (invite-only)
- Custodial: the issuer holds your funds
- Only available in certain regions
- Full KYC required, no anonymous tier
How to Get the Moto Card
Here is what the sign-up process looks like, from application to first purchase.
Create a Moto account
A few minutesGo to the Moto website or download the app. Sign up with your email, pick a password, and accept the terms.
Complete identity verification
Varies by issuerMoto runs standard KYC: a government-issued photo ID and usually a selfie. Processing time varies by issuer and load.
Fund your card
Usually instantLoad your card with Stablecoin deposits (yield engines: Reflect, USD*); IBAN transfers through the funding screen. When you make a purchase, your crypto converts to local fiat at the current rate.
Receive and activate your card
Shipping variesYour physical Moto Card ships to your address — delivery time depends on your country. Activate it in the Moto app.
Requirements
Regional Availability
Available in Invite-only
The Moto Card is currently available in Invite-only. Some countries may be excluded, so confirm on the issuer's website before applying.
Common questions about the Moto Card
What are the fees for the Moto Card?
How does the Moto Card cashback work?
Where is the Moto Card available?
What are the Moto Card's ATM and spending limits?
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