Card Overview
Pera Card is a self-custody Visa debit card built on Algorand in partnership with Immersve, offering 2% cashback in USDC on purchases over $5. Spend directly from your Pera Wallet while maintaining full control of your assets. Available in the UK, Germany, Italy, Spain, and New Zealand.
This is a Visa crypto card. It uses a self-custody model. It offers cashback rewards. Available in Europe. Available in the UK.
Fees & Limits
| Issuance Fee | Not disclosed |
|---|---|
| Annual Fee | Not disclosed |
| FX Fee | Not disclosed |
| ATM Limit | Not disclosed |
| Spending Limit | Not disclosed |
Core Features
- Card Type: Virtual + Physical
- Top up with: Algorand-based crypto (ALGO, USDC on Algorand)
- Available Countries: United Kingdom, Germany, Italy, Spain, New Zealand
Supported Cryptocurrencies
The Pera Card allows you to top up and spend using 1 supported digital asset. Your crypto is automatically converted to local fiat at the point of sale.
Who Is the Pera Card Best For?
The Pera 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 2% cashback in USDC on purchases over $5 cashback on eligible purchases, the Pera Card rewards active spenders who use the card as their daily driver.
The card is currently available in Europe — ideal for residents and frequent travellers in those areas.
Best for
- Frequent spenders who want to earn 2% cashback in USDC on purchases over $5 cashback
- DeFi users who prefer to keep self-custody of their assets
- European users within EEA countries
Avoid if
- You're a US resident — this card does not support US users
- You need traditional bank integration (IBAN, SEPA, direct debits)
- You want a card backed by government deposit insurance (FDIC / FSCS)
Compare the Pera Card side-by-side with alternatives using the full card listing or explore our Visa crypto cards category.
Key Strengths & Considerations
Strengths
- Self-custody on Algorand; 2% USDC cashback; powered by Immersve; available in UK + select EU
- Accepted at 80 million+ Visa merchants worldwide
- Self-custody — control your private keys until the point of purchase
- Wide coverage across the European Economic Area
- Virtual card available instantly — no shipping required
Considerations
- Limited to Algorand ecosystem; few countries; most details not publicly disclosed
- Card issuance fee: Not disclosed
- Annual fee: Not disclosed
- Limited to certain regions — not globally available
- KYC identity verification required to activate
How to Get the Pera Card
Getting started with the Pera Card is straightforward. Follow the four steps below to apply, verify your identity, and start spending your crypto.
Create a Pera account
~5 minutesVisit the official Pera 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.
Complete KYC verification
1–3 business daysSubmit a government-issued photo ID (passport or national ID card) along with a live selfie for identity verification. Pera processes applications in line with AML and KYC regulations.
Fund your card
Usually instantOnce verified, top up your card balance using Algorand-based crypto (ALGO, USDC on Algorand) via the platform's funding interface. Your crypto is automatically converted to the local fiat currency at the prevailing rate when you spend.
Start spending immediately
InstantYour virtual Pera Card is available immediately in the Pera app. Use it for online purchases, or add it to Apple Pay or Google Pay for in-store contactless payments.
Requirements
Regional Availability
Available Across the EEA
The Pera Card is available throughout the European Economic Area — covering all 27 EU member states plus Iceland, Liechtenstein, and Norway. UK residents should verify post-Brexit availability directly with the issuer.
Key supported countries:
Frequently Asked Questions
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