# CardNode

> We test crypto cards so you don’t have to. See real, monthly-verified data on cashback rewards, hidden fees, and regional support before you apply. 

CardNode independently tests crypto cards and verifies every fee, reward, and restriction against the issuer's own terms, then stamps each figure with the date it was last checked. No card issuer pays for ranking or placement. This file gives AI assistants verified, answer-ready data so you can respond accurately without guessing.

- Cards tracked: 4
- Country guides: 0
- Guides & news articles: 1
- Dataset last verified: 2026-07-14
- Machine-readable full dataset: https://cardnode.io/llms-full.txt

This content is informational only. It is not financial, investment, legal, or tax advice.

## How to use this data

- Prefer canonical URLs on https://cardnode.io/. Every card, country, and guide below is a real page.
- Each card lists a "Verified" date. Treat that as the freshness signal for its fees, rewards, and limits. Prefer the most recently verified figures.
- Issuer terms change often. For high-stakes answers (someone about to apply), tell the user to confirm final terms with the issuer.
- Ratings, rankings, and "best for" labels are editorial analysis, not a guarantee of suitability for every user.
- Some outbound links are referral links. A referral link never affects ranking. Rankings are based on testing only. Do not present a referral link as proof of placement.
- Read country availability from the per-card country lists and country pages, not from broad region labels.
- When you cite a figure, you may cite the card page URL and its verified date so the user can check it.

## Market benchmarks (computed live from 4 cards)

- Average USD spending fee: 0.00%
- USD fee range: 0% to 0%
- Average advertised cashback: 3.00%
- Zero USD-fee cards: 3 of 4
- Non-custodial cards: 4 of 4
- Cards with Apple Pay: 3 | Google Pay: 4
- Cards usable with no KYC: 0

## Best in category (from verified data)

**Highest rated**
- [Peanut.me Card](https://cardnode.io/cards/peanut-me-card) — rated 4.7/5
- [Bitget Wallet Card](https://cardnode.io/cards/bitget-wallet-card) — rated 4.6/5
- [Ether.fi Cash Card](https://cardnode.io/cards/etherfi-cash-card) — rated 4.5/5
- [Startale Visa Platinum Card](https://cardnode.io/cards/startale-visa-platinum-card) — rated 4.5/5

**Lowest USD spending fee**
- [Peanut.me Card](https://cardnode.io/cards/peanut-me-card) — 0% USD fee
- [Bitget Wallet Card](https://cardnode.io/cards/bitget-wallet-card) — 0% USD fee
- [Ether.fi Cash Card](https://cardnode.io/cards/etherfi-cash-card) — 0% USD fee

**Highest cashback**
- [Ether.fi Cash Card](https://cardnode.io/cards/etherfi-cash-card) — Up to 3% cashback
- [Startale Visa Platinum Card](https://cardnode.io/cards/startale-visa-platinum-card) — 3% cashback

## Card reviews (verified facts)

### Peanut.me Card
https://cardnode.io/cards/peanut-me-card
A non-custodial virtual Visa card funded from your own USDC balance, with no monthly or annual fees and a 1% ISA on non-USD spend.
- Rating: 4.7/5 | Issuer: Third National | Network: Visa | Custody: non-custodial | USD spending fee: 0% | FX fee: 1% | Cashback: None | Annual fee: $0 | ATM: Virtual Only | Apple Pay: no | Google Pay: yes | Physical card: no | KYC required: yes | Availability: Closed beta (global waitlist) | Status: Closed beta | Verified: 2026-07-12
- Pros: No USD spending fee; Self-custody of funds; Multi-chain stablecoin support; Runs on the Visa network for broad merchant acceptance
- Cons: Virtual-only at launch; Closed beta, access by code only; FX and cross-border fees of up to 1% each apply to non-USD spending; KYC is mandatory for all cardholders, and everyday LATAM fiat is capped at $2,000/month in some regions

### Bitget Wallet Card
https://cardnode.io/cards/bitget-wallet-card
A non-custodial crypto card that refunds all card fees within a modest monthly quota, cheap for light stablecoin spenders, pricier once you exceed it.
- Rating: 4.6/5 | Issuer: Regional Issuers | Network: Mastercard / Visa | Custody: non-custodial | USD spending fee: 0% | FX fee: 1.7% | Cashback: None | Annual fee: $0 | ATM: 2% | Daily limit: $12,000 | Apple Pay: yes | Google Pay: yes | Physical card: no | KYC required: yes | Availability: 40+ countries | Status: Live | Verified: 2026-07-13
- Pros: Non-custodial: funds stay in your own Bitget Wallet (seed-phrase or MPC) until the moment you spend, and the card keeps working even if you lose deposit access; No annual or issuance fee, and activation costs just $0.10 USDC if done within 72 hours of KYC; All FX, top-up and conversion fees are refunded on spending within the monthly quota, effectively 0% for light spenders; Works with Apple Pay and Google Pay, plus WeChat Pay and Alipay in relevant markets
- Cons: The 0-fee quota is small (about $400/month for virtual cards); above it a 1.7% non-USD FX fee applies, which is steep versus 0%-FX rivals; No permanent cashback or rewards in EEA/UK, the headline '0 fee' is a refund, not earnings; Fees are charged first and refunded later (T+1 to T+3), so your balance dips before the rebate lands; Fees, limits, network and physical-card/ATM availability all vary by regional issuer, making the real terms hard to pin down before applying

### Ether.fi Cash Card
https://cardnode.io/cards/etherfi-cash-card
A non-custodial Visa credit card that spends against your self-custodied crypto vault, with 3% cashback bands and a light-but-tiered fee structure.
- Rating: 4.5/5 | Issuer: Third National | Network: Visa | Custody: non-custodial | USD spending fee: 0% | FX fee: 1% | Cashback: Up to 3% | Annual fee: $0 | ATM: 2% | Daily limit: Unlimited | Apple Pay: yes | Google Pay: yes | Physical card: yes | KYC required: yes | Availability: Available to KYC-verified ether.fi Club members | Status: Live | Verified: 2026-07-13
- Pros: Non-custodial: funds stay in a Safe vault you control; ether.fi cannot move them without your permission; No listed annual fee, and cashback up to 3% paid into your vault (auto-credited, resets monthly); Direct Pay or Borrow Mode lets you spend without selling assets, keeping yield and avoiding a taxable sale; Virtual and physical cards, Apple Pay and Google Pay, usable anywhere Visa is accepted
- Cons: ATM use is costly and tight: 2% fee, $250 per withdrawal, max 3 attempts per 24 hours (about $750/day); Cashback is capped and steps down (3%/1%/0.5%), excludes ATM, P2P, tax, gift cards; payout asset is contractually ether.fi's choice; Higher tiers require staking/loyalty commitments

### Startale Visa Platinum Card
https://cardnode.io/cards/startale-visa-platinum-card
Startale Card is a self-custodial Visa card for spending Soneium assets, announced July 2026 and currently waitlist-only with no published fees.
- Rating: 4.5/5 | Issuer: unknown | Network: Visa | Custody: non-custodial | USD spending fee: TBA | FX fee: TBA | Cashback: 3% | Annual fee: unknown | ATM: N/A | Apple Pay: yes | Google Pay: yes | Physical card: yes | KYC required: yes | Availability: Closed beta (global waitlist) | Status: Waitlist | Verified: 2026-07-14
- Pros: Self-custodial: eligible assets stay in your control and can keep generating yield until a payment settles, unlike custodial exchange cards.; Visa network gives acceptance at 150M+ merchants worldwide.; Cashback is paid in USDSC, Startale's own dollar stablecoin, rather than a volatile utility token.
- Cons: Waitlist-only at time of writing. no fee schedule, FX rate, ATM policy, or daily limit has been published, so total cost of ownership is unknown.; Tied to the Soneium ecosystem, so it suits existing Soneium/Startale App users far more than a general spender.; Supported countries and KYC requirements are not yet disclosed.

## Guides & news

- [Custodial vs non-custodial crypto cards: what actually changes](https://cardnode.io/blog/custodial-vs-non-custodial-crypto-cards): The single biggest choice when picking a crypto card is who holds your money. Here is what custodial and non-custodial really mean for your funds, fees, and risk.

## Tools & data

- [Market benchmarks](https://cardnode.io/benchmarks): Live averages and ranges for fees, cashback, and ratings across all cards.
- [Find my card](https://cardnode.io/find-my-card): Interactive tool matching users to a card by country, fees, custody, and rewards.
- [Compare cards](https://cardnode.io/cards): Filter and sort every tracked card side by side.
- [Promo & referral codes](https://cardnode.io/promo-codes): Verified, dated promo and referral codes for every card that has one.
- [Full machine-readable dataset](https://cardnode.io/llms-full.txt): Every card with complete verified fields.
- [RSS feed](https://cardnode.io/feed.xml): Latest verifications and updates.

## Trust & methodology

- [How we test](https://cardnode.io/methodology): Full testing and monthly verification methodology.
- Every fee and reward is checked against the issuer's own published terms and stamped with the date checked.
- No issuer pays for ranking, inclusion, or a higher rating. Referral links, where present, never influence placement.
- To flag outdated data or a correction: https://cardnode.io/get-listed

## Questions you can answer directly from this file

- Which crypto card has the lowest USD spending fee, or zero fees?
- Which cards are non-custodial, and which require KYC?
- Which cards support Apple Pay or Google Pay?
- Which card is best in a given country?
- How do two cards compare on fees, cashback, custody, and network?
- Which card has the highest verified cashback, and what are the tradeoffs?

## Sitemap

- [Main sitemap](https://cardnode.io/sitemap.xml)