Shakepay Card Review 2026

Name: Shakepay Card
Brand: Visa
Availability: InStock

Reviewed by Mihail B. in October 2026 · Data verified October 13, 2026 · how we verify

3.4 / 5.0Sweepbase rating

Algorithmic score, not user reviews: how it is calculated

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CustodyCustodial

NetworkVisa Prepaid

Cashback1.5% BTC

RegionsCanada

Fees and limits

Issuance fee	Free
Annual fee	Free
FX fee	3% on non-Canadian transactions at Base status, 1.5% at Bright and 0% at Blue, set by Reward Status The fine print The cardholder agreement lists a flat 3% Foreign Exchange Charge
ATM limit	CAD 1,000/day
Spending limit	CAD 5,000/day

Fees change; the current ones are in Shakepay’s terms.

Features

Cashback: 1.5% BTC
The fine print
- Tiered Bitcoin cashback by Reward Status (Base 1% / Bright 1% / Blue 1.5%)
- A 3% welcome boost applies only to cardholders who activated before 26 November 2025, until CAD 3,000 of purchases or 90 days, whichever comes first
- Cashback is credited in bitcoin to the Shakepay account
KYC: Yes
Card type: Virtual + Physical
Top up with: Interac e-Transfer, direct deposit, BTC, ETH (4)
Available countries: Canada

Who issues the Shakepay Card

The Shakepay Card is issued by Peoples Trust Company, Canada. The issuer is named in the source linked below.

Primary source · All cards issued by Peoples Trust Company · Why the issuer matters

Supported cryptocurrencies

You can load the Shakepay Card with crypto; the 2 assets we track for it are listed below.

Networks & deposit details: No direct blockchain top-up; funded from Shakepay CAD balance (BTC/ETH sold to CAD in-app)

BTCBitcoinETHEthereum

Pros and cons

Pros

Bitcoin cashback of 1% to 1.5%; no FX fee at Blue status; no annual fee; spends directly from your Canadian dollar balance; Apple Pay and Google Pay
No card issuance fee

Cons

✗
Canada only
The fine print
- Cashback in BTC only (not fiat)
- 3% FX fee at Base status and 1.5% at Bright
- Blue status needs CAD 1,000 exchanged or CAD 2,000 in qualifying direct deposits in a calendar month
No IBAN or SEPA account

Regional availability

Available in Canada

The Shakepay Card is available in Canada.

Card overview

Canada-only, Visa Prepaid. Cashback uses a three-tier Reward Status system (Base, Bright, Blue) that updates monthly based on direct deposits and crypto exchange activity. Base and Bright earn 1% in BTC and Blue earns 1.5%; a 3% welcome boost applies only to cardholders who activated before 26 November 2025, until CAD 3,000 of purchases or 90 days. Cashback pays in BTC only, credited to the Shakepay account with no fiat conversion option inside the card flow.

Reward Status also sets FX: 3% on non-Canadian transactions at Base, 1.5% at Bright and 0% at Blue, while the cardholder agreement lists a flat 3%. Issuance and annual fees are zero, daily spend cap is CAD 5,000, ATM is CAD 1,000/day. If you opt in, the CAD balance the card spends earns interest, paid weekly in bitcoin: 1.5% on Base, 2% on Bright and 3% on Blue. The help article says USD balances earn too, at a rate shown in the app, while the rewards terms list CAD rates only.

Funding works through Interac e-Transfer, direct deposit, or BTC/ETH from your Shakepay wallet (no direct on-chain top-up; assets sold to CAD in-app first). Apple Pay and Google Pay both work. KYC is mandatory (government ID plus selfie). Available across all 13 Canadian provinces and territories.

Best fit: Canadians who already use Shakepay for fiat-to-BTC and want a Bitcoin-rewards card with predictable Canadian banking rails. Wrong card outside Canada, or for foreign spending below Blue status.

Editor’s note by Mihail B. · Founder & Editor

Reviewed October 2026 Verified against issuer docs

For a Canadian reader who wants a domestic Bitcoin-stacking workflow, the Shakepay card is a strong first answer, but read the FX line. Foreign purchases cost 3% at Base status, 1.5% at Bright and nothing only at Blue, which needs CAD 1,000 exchanged or CAD 2,000 in qualifying direct deposits in a calendar month; the cardholder agreement itself still lists a flat 3% Foreign Exchange Charge. Cashback is 1% at Base and Bright and 1.5% at Blue, paid only in bitcoin.
The cardholder agreement names the bank: "This Card is issued by Peoples Trust Company under licence from Visa International Incorporated." And the money that moves is dollars, not bitcoin: the agreement defines the Balance as "the amount of Canadian dollars available in your Shakepay Wallet that can be Loaded onto the Card". The 0% FX this page used to show applies only at Blue status, and there is no 1.25% cashback tier.

Common questions about the Shakepay 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.

What are the fees for the Shakepay Card?

The one charge on the Shakepay Card is its FX fee: 3% on non-Canadian transactions at Base status, 1.5% at Bright and 0% at Blue, set by Reward Status. No issuance or annual fee.

Is the Shakepay Card legit, and who is behind it?

The issuer of record for the Shakepay Card is Peoples Trust Company, Canada, named in the terms published at legal.shakepay.com.

Is the Shakepay Card worth it?

What the Shakepay Card offers is its 1.5% cashback rewards and no card or annual fee. The main thing to weigh is a 3% foreign-exchange fee, above the market average.

How does the Shakepay Card cashback work?

Tiered Bitcoin cashback by Reward Status (Base 1% / Bright 1% / Blue 1.5%). A 3% welcome boost applies only to cardholders who activated before 26 November 2025, until CAD 3,000 of purchases or 90 days, whichever comes first. Cashback is credited in bitcoin to the Shakepay account.