Stables 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
If you're a consumer, there's no card to sign up for anymore. Stables has pivoted to B2B: stables.money now sells USDt payments infrastructure for Asia and MENA, built around virtual accounts, quote-first payouts across rails, and an API to collect and move USDt. The site leads with "Book a demo," not a consumer signup. The old product was an Australia-only Mastercard Prepaid, virtual only. Its visible 6% tier paid Stables Points at a dollar value the company never published, and the "OG Metal 12%" tier sat in "Coming Soon" the whole time it was live. What did work back then: three-minute activation, an uncapped daily spend, multi-chain top-up across seven EVM chains plus Solana, and Apple and Google Pay. FX was 2% on non-USD and 0% on USD, with no ATM access. None of that is orderable today. Best fit: nobody on the consumer side. The only live Stables product is the developer payments API.
Stables Card was a Mastercard prepaid card from Australia paying cashback in Stables Points (OG Metal tier), with unlimited daily spending limits and multi-chain crypto deposits across Ethereum, Solana, Avalanche and Arbitrum. Stables pivoted to B2B USDt payments infrastructure in 2026 and withdrew the consumer card without an announcement.
This is a Mastercard crypto card. It offers cashback rewards.
Fees & Limits
| Issuance Fee | Free (Virtual); TBA (OG Metal) |
|---|---|
| Annual Fee | Not disclosed |
| FX Fee | 2% (non-USD); 0% (USD) |
| ATM Limit | Not available (virtual card) |
| Spending Limit | Unlimited |
These figures can change. Confirm the current fees, FX and network in Stables’s official terms before you apply.
Features
- Welcome Bonus: Referral-based USDC rewards
- Card Type: Virtual
- Top up with: USDT, USDC, DAI, PYUSD, ARB, AVAX, ETH, OP, MATIC, YGG; local currency or stablecoins
- Available Countries: N/A — consumer card discontinued/unavailable
Banking & Fiat Rails
Virtual USD account details for top-ups; no full IBAN/SEPA banking
Who issues the Stables Card
Stables 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 Stables Card with crypto; the 6 assets we track for it are listed below. When you pay, the card converts crypto to local fiat automatically.
Networks & deposit details: USDC, USDT, DAI, PYUSD across 7 EVM chains + Solana; ETH, AVAX, MATIC, OP, ARB crypto top-ups
Who Is the Stables Card Best For?
The Stables Card is a good fit for active spenders who treat the rewards rate as the main reason to pick a card.
The Stables Card pays up to 6% cashback on eligible purchases, so it works well as a daily spending card.
The card is currently available in N/A — consumer card discontinued/unavailable, so it works for residents and travellers in those areas.
Best for
- Frequent spenders who want to earn up to 6% 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 Stables Card side-by-side with alternatives using the full card listing or explore our Mastercard crypto cards category.
Pros & Cons
Pros
- Up to 12% cashback (OG); unlimited daily spending; 140M+ merchants; multi-chain (ETH, SOL, AVAX, ARB); activation in 3 minutes
- Works wherever Mastercard is accepted worldwide
- Virtual card ready right away, no shipping wait
- Welcome bonus: Referral-based USDC rewards
- Banking rails: IBAN / SEPA support
Cons
- Australia only (currently); 2% FX on non-USD; virtual only for now; Points-based cashback (not direct fiat/crypto)
- Card issuance fee: Free (Virtual); TBA (OG Metal)
- Annual fee: Not disclosed
- Custodial: the issuer holds your funds
- Only available in certain regions
- Full KYC required, no anonymous tier
How to Get the Stables Card
Here is what the sign-up process looks like, from application to first purchase.
Create a Stables account
A few minutesGo to the Stables website or download the app. Sign up with your email, pick a password, and accept the terms.
Complete identity verification
Varies by issuerStables 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 USDT, USDC, DAI, PYUSD, ARB, AVAX, ETH, OP, MATIC, YGG; local currency or stablecoins through the funding screen. When you make a purchase, your crypto converts to local fiat at the current rate.
Start spending immediately
InstantYour virtual Stables Card shows up in the Stables app right away. Use it online or add it to Apple Pay / Google Pay for tap-to-pay in stores.
Requirements
Regional Availability
Available in N/A — consumer card discontinued/unavailable
The Stables Card is currently available in N/A — consumer card discontinued/unavailable. Some countries may be excluded, so confirm on the issuer's website before applying.
Common questions about the Stables Card
What are the fees for the Stables Card?
How does the Stables Card cashback work?
Where is the Stables Card available?
What cryptocurrencies does the Stables Card support?
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