Yield crypto cards: 19 cards where your wallet earns in DeFi

1. Ether.fi Cash Card

Sweepbase rating: 4.9 out of 5 · How it earns: Spends from the earning balance · Protocol: ether.fi Liquid vaults · Custody: Self-custody

Ether.fi is the plainest case of spending from yield. In Direct Pay mode you rank the assets the card may draw on, and the Liquid vault tokens (liquidUSD, liquidEUR, LiquidRWA and the rest) sit on that list next to plain USDC. A purchase comes out of whatever you ranked first, so a Liquid position earns right up to the purchase. On 27 August 2026 ether.fi showed 5.35% on USD and 5.41% on EUR, variable and not guaranteed.

Cashback is 3% on capped monthly spend (4% on VIP), paid in ETHFI with a seven-day lock. USD and EUR purchases carry no FX markup; other currencies cost about 1% to 1.5% on the base tier. The card reaches most of Europe, though not the Netherlands, Finland or Estonia. Borrow Mode is the part to read twice: it opens a credit line against the same vault collateral at a rate ether.fi does not print, and a Health Factor at or below 1.00 means liquidation.

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2. Bleap Card

Sweepbase rating: 4.7 out of 5 · How it earns: Earns in a separate vault · Protocol: Lido · Custody: Self-custody

Bleap keeps savings and spending apart, and says so. The card page prints up to 3.83% AER on the USD vault, with no lock-in, and 2.58% on ETH staking through Lido. The app on 3 October 2026 told a different story: the USD vault at up to 8.08%, ETH lower at up to 2.25%, and a euro vault marked Soon. To spend saved money you move it back to the card balance first.

Lido is the only protocol Bleap names on the page itself. Sky and YO Protocol turn up in the savings page code, next to a line that steers users from Angle to Sky “due to recent external changes affecting Angle”. The card is cheap to hold: free to issue, no annual fee, 0% conversion on stablecoin spending. Unlimit EU Ltd issues it in Cyprus, and Bleap writes that it holds neither client assets nor keys. Base cashback is 1%, and the big merchant rates are capped by spend, so 20% on Netflix comes to about four euros a month. EEA and Switzerland, and not yet every EEA country.

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3. Hyperbeat Card

Sweepbase rating: 4.6 out of 5 · How it earns: Earns in a separate vault · Protocol: Morpho · Custody: Self-custody

Hyperbeat’s spending balance earns nothing by itself. The yield lives in USD+, a separate vault that lends into Morpho markets on HyperEVM. Hyperbeat publishes three targets for it: 3% to 8% in the help centre, typically 5% to 8% in the docs, up to 8% on the homepage. No realised figure anywhere. The app showed up to 4.42% on 27 August 2026, below the docs’ range and at the low end of the help centre’s.

In Credit Mode, USD+ backs a credit line at 75% LTV, so the card spends against the vault without redeeming it. That is a variable-rate loan with interest from day one, not spending from yield. The card is virtual only, FX costs 0.4% to 1% on top of the Visa rate, and cashback starts at 0.20% and reaches 1% with holdings and spend, paid in WHYPE. A separate ladder pays more on leveraged trading volume.

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4. Xplace Card

Sweepbase rating: 4.6 out of 5 · How it earns: Borrows against the earning deposit · Protocol: Kamino · Custody: Self-custody

Xplace is built around borrowing. In Credit Mode your SOL, BTC, ETH, USDT or jitoSOL sits in Kamino, earns lending yield at rates the protocol sets, and backs a credit line the card draws on, so a purchase borrows against the deposit instead of spending it. The collateral stays locked while a borrowed amount is outstanding, and a price drop can liquidate it.

Cash Mode, the other setting, spends the stablecoin balance directly. Tiers run from free to $999 a year: FX is 1% on Basic, 0.5% on Silver, 0.25% on Gold and 0% on Platinum, and Credit Mode cashback runs from 0.5% to 2%, paid in USDC. Physical cards are live on Silver, with Gold and Platinum still to come. Third National issues the Visa Credit. There is no ATM access, and Xplace publishes no country list, only exclusions.

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5. MetaMask Card

Sweepbase rating: 4.5 out of 5 · How it earns: Spends from the earning balance · Protocol: Veda vault lending to Aave and Morpho · Custody: Self-custody

MetaMask’s Money Account holds mUSD in a vault built on Veda that lends to Aave and Morpho, and the card pays from that account automatically. The rate floats. The app showed 7.1% on 27 August 2026, while the published figure was up to 4% plus a 6% promotion whose end date the help centre and the landing page give differently. Plain USDC and USDT that the card can also spend earn nothing, so the money has to be in mUSD.

The card you can get today is the free virtual one, in 47 countries, with the US and UK closed to new sign-ups. It pays 1% back. A 1% cross-border fee applies when the merchant sits outside your country, plus 0.5% when you spend a stablecoin in a currency that is neither yours nor the merchant’s. Metal has taken no orders since 2 June 2026.

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6. Ethena Pay Card

Sweepbase rating: 4.4 out of 5 · How it earns: Unclear: the pricing page calls the card a separate product from the yield · Protocol: USDe · Custody: Self-custody

Ethena Pay pays on USDe held in its wallet: the USDe base rate plus a Daily Boost, to 5% APY on up to $5,000 (Standard) or 6% on up to $100,000 (Pro) and $1,000,000 (VIP), paid daily in USDe. The Boost needs at least one card purchase a month, and the pricing page calls it a promotional incentive, “not interest, not yield, not a deposit”.

Whether a purchase draws on that earning USDe is less clear than it looks. The same pricing page calls the card “a separate product from Ethena Pay’s other services, including the USDe savings and yield features”, and balances that are pledged lose the Boost. The rest of the paperwork is unusually complete: no issuance, annual or FX fees beyond Visa’s own conversion, a virtual Visa from Third National, cashback paid in AVAX, and a beta that opens to new cohorts weekly.

Ethena Pay Card sign-upNot a partner link.

7. COCA Card

Sweepbase rating: 4.2 out of 5 · How it earns: Spends from the earning balance · Protocol: Morpho · Custody: Hybrid custody

COCA puts the USD balance itself into Morpho, with Gauntlet as risk curator, according to its own 3.0 announcement, and the card spends that same balance: “Your balance stays fully spendable the entire time.” The terms of 1 September 2026 put the rate at 5% APY on USD, and COCA confirmed in writing on 15 September that no tier cap applies. EUR balances earn nothing. Interest accrues in real time but has to be claimed by hand, $1 at a time at least.

Custody is hybrid: the account is a smart-contract wallet you control, and the prepaid Visa authorises against it purchase by purchase. Spending USD stablecoins in dollars or EURC in euros costs nothing; other currency pairs cost 0.5% to 1.5%. Base cashback is 1%, in 76 countries outside the US and Canada. A separate Stake screen offers ETH staking (2.60% on 3 October 2026), with Polygon and Solana listed as coming.

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8. Deblock Card

Sweepbase rating: 4.2 out of 5 · How it earns: Spends from the earning balance · Protocol: Morpho · Custody: Hybrid custody

Deblock is a French account with an IBAN, and the balance you spend from is the one that earns. Account Yield pays 2% on the free Standard plan and 4% on Premium, at 14.99 EUR a month or 120 EUR a year. The source is a Morpho vault holding EURCV that lends only against Bitcoin, and Deblock smooths the rate from its own reserve: “Most users don’t want a rate that wobbles, so Deblock smooths it.” Card payments and instant SEPA keep running on the same balance.

One warning the marketing page leaves out: the help centre says that once you opt out of Account Yield, “you won’t be able to opt back in”, while the 4% page answers “Can I opt out?” with “Anytime, in one tap.” Euros sit in a safeguarded e-money account that Deblock runs, while crypto stays in your own wallet, which is why we list custody as hybrid. Euro card payments carry no FX fee; other currencies are free up to 1,000 EUR a month on Standard, then 0.5% on weekdays and 1% at weekends. Any legal resident of the EEA can open one. The UK is out.

Deblock Card sign-upNot a partner link.

9. Jupiter Card

Sweepbase rating: 4.2 out of 5 · How it earns: Earns in a separate vault · Protocol: Jupiter Lend · Custody: Hybrid custody

Jupiter Mobile puts the wallet, Jupiter Lend and the card in one app. The Earn button deposits SOL and stablecoins into Jupiter Lend, but the card spends a USD balance held by its issuing partners, Rain or DCS, so earning money has to go to Spend first. During the Rain contract exploit of 28 August 2026 the card partner paused card-balance withdrawals for a security check that finished the same day, and Jupiter reported no loss.

The card reaches Latin America, Asia-Pacific, Africa, the Middle East and 31 US states, but not the EEA or UK. Cashback is 2%, capped at $100 a month. FX is 1% on Rain cards and 1.8% on DCS cards, which go to residents of nine Asia-Pacific markets, and nothing on USD.

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10. Exa Card

Sweepbase rating: 4.0 out of 5 · How it earns: Spends from the earning balance · Protocol: Exactly Protocol · Custody: Self-custody

Exa sits on its own lending market. Deposits go into Exactly Protocol pools and earn, and in debit mode “the value of every purchase you make will be directly deducted from your balance.” Smart-contract risk applies from the moment you deposit, whichever mode you pick.

The card is a virtual Visa Signature issued through Rain, free to get and to hold, with no cashback and 1.5% on non-USD purchases. It is not offered in the EEA, UK or Canada. Credit mode turns each purchase into a fixed-rate loan against your collateral, split into up to nine monthly payments, and a falling price can liquidate it.

Exa Card sign-upNot a partner link.

11. Fuse Card

Sweepbase rating: 3.9 out of 5 · How it earns: Earns in a separate vault · Protocol: Kamino · Custody: Self-custody

Fuse Earn is a tab in the wallet where you deposit into Kamino. The support page still lists Drift as well, but Drift froze deposits after the exploit of 1 April 2026 and is relaunching as a perps venue, so Kamino is the one that works. Deposits leave the balance the card spends: a virtual prepaid Visa from Lead Bank that pays USDC from a Solana smart wallet, up to $2,000 a day by default. No cashback and no ATM. The Lead Bank cardholder agreement charges 0% on purchases abroad, though Fuse does not publish the exchange rate it applies to non-USD purchases. The support page lists 18 eligible countries: the US (without New York and Alaska), fifteen in Latin America, Ghana and Nigeria.

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12. Solid Card

Sweepbase rating: 3.9 out of 5 · How it earns: Earns in a separate vault · Protocol: BoringVaults · Custody: Self-custody

Yield at Solid lives in Savings, where USDC mints soUSD, a vault share run through BoringVaults. The landing page advertises up to 6% on dollars; the app showed 5.4% on USD and 2.9% on ETH on 3 October 2026. Solid keeps 10% of the yield as a fee. Since 5 October 2026 a Yield Boost adds 2% APY on the first $10,000 of savings at Prime ($199 a year or a FUSE lock) and 3% on the first $25,000 at Ultra (a FUSE lock only). Borrow Mode lets the card spend by borrowing USDC against soUSD at a rate Solid does not publish.

FX is 2% on Core, the tier everyone starts on, falling to 1% on Ultra, and cashback is 3% to 5% by tier, across 105 countries including the UK, the EU and 30+ US states. Which balance the card spends is where Solid argues with itself. One help article: “Funds you load onto the card do not earn yield and are held specifically for card spending.” Another describes a “Savings Mode: spend directly from your balance”. We file the card by the first until Solid settles it.

Open Solid CardPartner link.

13. Tria Card

Sweepbase rating: 3.9 out of 5 · How it earns: Earns in a separate vault · Protocol: Upshift vaults · Custody: Self-custody

Tria’s card is a 0% APR credit product: crypto collateral backs each dollar charged, and repayment comes from a linked wallet. Yield sits apart, in Earn vaults built on Upshift with strategies from Sentora. On 30 September 2026 the app showed up to 9.38% on USDC on Ethereum and on AUSD on Monad: a 7.38% thirty-day base plus a boost, the full boost only on the paid Max tier. The landing page said “up to 15%” on 27 August and “up to 10%” on 3 October, with no asset attached either time.

Realised returns ran below the tiles. A 117-day AUSD position held from January to May 2026 returned about 4.8% a year. The card terms allow up to $25 for a virtual card, $109 for plastic and $250 for metal, at issue and again yearly, while Tria markets the virtual card as free, so check the price in the app. The Rain exploit of 28 August reached 636 Tria users ($431,945 in card balances), and Tria said it would make them whole in full. Wallet funds were not involved.

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14. Tuyo Card

Sweepbase rating: 3.9 out of 5 · How it earns: Spends from the earning balance · Protocol: Yield.xyz strategies on Morpho, Aave and others · Custody: Self-custody

Tuyo’s card spends the dollars in Tuyo Cash, and Cash can earn through a strategy you switch on in the app. Tuyo is phasing out the older route, where the card spent USDC sitting in an Earn vault: turning on Cash interest stops card spending from existing vaults, which stay in Investments and keep earning on their own. The card page still describes the old route. The strategies run through Yield.xyz on Morpho, Aave and others, though only Yield.xyz’s own case study names them.

Rates are variable and shown only in the app. On 3 October 2026 its strategies topped out at 3.96% on USD, 2.24% on EUR, 2.04% on ETH and 0% on BTC. Tuyo warns that the strategies lend through third parties, carry a risk of loss and are not bank deposits. The pitch is salary in. Bridge gives you USD, EUR or MXN account details, and the money lands as USDC on Base in a wallet you control. A non-USD purchase outside the US costs up to 2%. The UK, India, Israel, Nigeria, Turkey, Ukraine, Vietnam, 19 US states and other listed places are excluded.

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15. Plasma One Card

Sweepbase rating: 3.8 out of 5 · How it earns: Earns in a separate vault · Protocol: Veda vault lending to Aave · Custody: Self-custody

Plasma One keeps its yield in Earn, a separate vault that Veda runs and deploys into Aave. Money in Earn has to go back to the spendable Cash balance before the card can use it, so the card never pays from the earning balance. The rate is up to 6%, variable and tier-based, and nothing in Earn is covered by deposit insurance. The Earn screen showed 4.92% on 3 October 2026, with no lockup.

The free Lite tier is virtual and costs about 2% abroad: Plasma’s 1% markup plus a Visa network fee of around 1%. Core costs $199 a year or a 20,000 XPL lock and cuts Plasma’s markup to 0.5%; Platinum adds nothing to the Visa rate. Plastic is for Platinum, which needs 100,000 XPL locked, apart from a small Core test. The base cashback ladder reaches 4% and steps down across spend bands (AI merchants pay more), all in XPL, a young token. Rain issues the Visa.

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16. Decaf Card

Sweepbase rating: 3.6 out of 5 · How it earns: Earns in a separate vault · Protocol: Lulo.fi · Custody: Hybrid custody

Decaf names its protocol in the help centre rather than on the card. Crypto Invest, under Home > Invest > Crypto, deposits USDC into Lulo.fi, which puts it into DeFi money markets; the yield comes from borrowers paying interest on over-collateralised loans. You choose Protected or Boosted. Boosted takes the first losses when an integrated protocol fails and has a 48-hour withdrawal cooldown. Protected coverage does not extend to stablecoin depegs, and Lulo carries smart-contract risk of its own. Decaf calls the rate dynamic and publishes no APY, no fee and no country list for it. The App Store listing advertises yield from “government bonds, DeFi protocols, and crypto assets” without naming a protocol, and the same listing still calls the debit card coming soon.

The card does not spend from Invest. Its card terms, dated 6 August 2025, name Third National as issuer and still carry template placeholders. They say purchases are secured 1:1 by collateral in your linked wallet, that “Decaf and Issuer will not, in any circumstance, be holding custody of your Collateral”, and that a shortfall is a liquidation event. They never mention Invest, Lulo or yield. The help centre describes something else: a card balance you load with USDC through Card > Add Funds. The two documents do not describe the same balance, and we have not settled which is right; our row lists custody as hybrid. The virtual card costs $5 to activate and the physical card $10 in the US or $90 elsewhere. Decaf adds no FX markup to the Visa rate and pays no cashback.

Open Decaf CardNot a partner link.

17. Ledger Card

Sweepbase rating: 3.5 out of 5 · How it earns: Earns in a separate vault · Protocol: Lido, and Aave, Morpho and Compound through Kiln · Custody: Hybrid custody

Every crypto-funded purchase on the Ledger card carries a 2% card spend fee, and US cards add $3 for each international online purchase. Cashback is 1%. Baanx runs the card: in the US it is a Visa that Cross River Bank issues, and in the UK and EEA a Mastercard, with UAB Monavate named as the UK account provider.

The yield is in Ledger Wallet, apart from the card: liquid staking through Lido, and stablecoin lending that Kiln routes to Aave, Morpho and Compound. Ledger’s own FAQ says crypto moved from the signer to the CL card account is no longer in self-custody, which is why we list the card as hybrid.

Ledger Card sign-upPartner link.

18. Solayer Card

Sweepbase rating: 3.1 out of 5 · How it earns: Earns in a separate vault · Protocol: sUSD · Custody: Hybrid custody

Solayer charges for its card: a $20 yearly membership, 1.5% plus $0.10 on non-USD purchases (the FAQ on the same site says 1.75%) and $0.15 on every USD purchase. It earns points that cannot be redeemed yet. The excluded list is long: the EEA, UK, Switzerland, Canada, Australia, New Zealand, South Korea, 17 US states and dozens more countries, India, Indonesia, the UAE and Vietnam among them.

The yield is Solayer’s own stablecoin. sUSD is backed by US Treasury bills and pays 4% to 5%, and you switch between it and the USDC spending balance by hand. It passes our rule as a yield-bearing stablecoin, though it is Solayer’s product rather than a third-party protocol. Card payments settle through hot and cold wallets Solayer runs, so we list custody as hybrid.

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19. Utorg Card

Sweepbase rating: 3.1 out of 5 · How it earns: Earns in a separate vault · Protocol: Morpho · Custody: Hybrid custody

Utorg’s terms name the protocol: “Use the Earn functionality through an in-app connection to the Morpho Protocol.” The card came back after its card payments provider ran into trouble in February 2026, as a USD Visa in place of the old Mastercard: virtual, free, with no cashback and no published FX rate, for the EEA and Ukraine minus Austria, Hungary, the UK and the US. On iPhone the wallet and card now live in a separate app, Utapp. Nothing on the card earns. A top-up turns USDC into a dollar balance held with the card provider (Chain Valley, working with Wirex Pay and Wirex Limited), so the Morpho yield stays in the wallet.

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