Stables Card Review 2026
Reviewed by Mihail B. in · how we verify
Algorithmic score, not user reviews: how it is calculated
Closed to new applicants since . Cards you can still get
Fees and 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 |
Features
- Welcome bonus: Referral-based USDC rewards
- Cashback: Up to 6% (Tiers, points)
The fine print
- Virtual card earns up to 6% in Stables Points, but the redemption value of these points is not disclosed: no published point-to-dollar conversion rate
- The 12% rate is for the OG Metal card which is listed as 'Coming Soon' and is NOT available as of early 2026
- Advertising 12% for a product that does not yet exist is misleading
- Even the 6% virtual card rate is in points with unknown real-world value
- Realistic cashback for a typical user: up to 6% in points (actual value unknown)
- KYC: Yes
- 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
Who issues the Stables Card
Our issuer directory has no verified entry for the Stables Card yet: a bank goes in only with a source we can cite. 39 of the 141 cards you can still get are in the same position. See our BIN-sponsor research for why disclosure varies and what it means for you.
Pros and cons before it closed
Pros
- Up to 6% in Stables Points on the virtual card; no daily spending cap; deposits on several chains including Ethereum, Solana, Avalanche and Arbitrum
- Earn up to 6% cashback on eligible purchases
- No card issuance fee
- Welcome bonus: Referral-based USDC rewards
Cons
- Withdrawn in 2026 with no announcement we could find; points had no published cash value; 2% FX on non-USD; virtual only; Australia only
Regional availability
Availability not published
Published coverage for the Stables Card: N/A: consumer card discontinued/unavailable.
Banking and fiat rails
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.
