Good
- No card, monthly, top-up or transaction fees
- 0% fee on payments outside the US
- USDC stays in a self-custody Solana smart account
- Apple Pay for in-store payments
Watch out
- No cashback or rewards on card spending
- Virtual only, with no physical card
- ATM withdrawals aren't supported
- Daily spending capped at $2,000 by default
Fuse Card is a free virtual Visa prepaid card that spends USDC straight from the Fuse wallet, a self-custody app on Solana. It has no card fee, no monthly fee and a 0% fee on foreign payments, but it pays no cashback and can't be used at ATMs.
Fuse Card lives inside the Fuse app, so you sign up in the app, pass a short identity check run by Bridge, and the card appears on your home screen. It is open to adults in the US and 17 countries in Latin America and Africa, all on the same dollar terms.
Fuse Card cashback
Fuse Card doesn't pay cashback or any other reward on purchases, in any country where it is offered.
That puts Fuse Card at the plain end of the market. Many free crypto cards pay between 1% and 2% on spending, often with a monthly cap, so a Fuse user spending $1,000 a month gives up something like $10 to $20 compared with those cards. The trade is that Fuse charges nothing to spend, which other rewards cards often recover through a conversion fee.
The Fuse app has a separate yield product, Fuse Earn, which pays interest on stablecoins you keep in the wallet through DeFi lending. It has nothing to do with the card, and money only earns there while it sits in the main account, not while it waits in the card account to be spent.
Fuse Card fees
Fuse Card has no fees for getting the card, keeping it, topping it up or paying with it, and the cardholder agreement sets the fee on payments outside the US at 0%.
Because the card spends USDC, a dollar stablecoin, there is no crypto price to convert at checkout, so a $50 payment in a US shop costs exactly 50 USDC. When you pay in pesos, reais or naira, Visa converts the amount to dollars and Fuse adds nothing on top, which makes the card cheap to use across Latin America and when travelling.
The card is virtual only, so there is no physical card to order and no delivery charge. Money moves from your main account to the card account instantly, and moving it back takes five minutes because of a security time lock built into the wallet.
The default daily spending limit is $2,000, and you can lower it in the app to protect the card balance. Fuse says the limit can rise after a period of use, but $2,000 a day rules the card out for large purchases like flights or rent.
Fuse Card ATM withdrawal fees
Fuse Card can't be used to withdraw cash at ATMs, and balance checks at ATMs aren't available either.
Without a physical card that is expected, since there is nothing to put in the machine. If you need cash in Argentina, Nigeria or anywhere else the card is offered, plan on a second card or a local off-ramp, which Fuse runs for US and EU bank accounts with a $1 bank fee per withdrawal.
Is Fuse Card safe?
Fuse Card is self-custody: your USDC sits in a Solana smart account that you control, and Fuse never holds it.
The wallet is built by Squads Labs, which describes itself as a technology company and not a digital asset custodian. Your money stays on Solana until the moment you pay, and only the amount for that purchase leaves the card account. The smart account also enforces your daily limit on chain, so a stolen card number can't drain more than that amount in a day.
The card is issued by Lead Bank under a Visa licence, and Bridge Ventures runs the card program for the bank. Card balances are held as USDC, not as bank deposits, so they aren't covered by FDIC insurance. If a card is lost or misused, you can freeze it in the app and unfreeze it later.
Who should get Fuse Card
Fuse Card suits people who already hold USDC on Solana and want a free way to spend it online and with Apple Pay, especially in Latin America where many cards charge for foreign currency.
The card makes the most sense for everyday spending under the $2,000 daily limit, paid in a currency other than dollars, where the 0% FX fee saves 1% to 2% against most crypto cards. For someone spending $500 a month in local currency, that saving is around $5 to $10 a month.
If you want cashback, a physical card or cash withdrawals, Fuse Card isn't the right choice, and a rewards card with a small conversion fee will usually leave you better off. The comparison below shows the strongest alternatives in your country.
Where Fuse Card is available
Fuse Card is available in 18 countries: the United States (except New York and Alaska), 15 countries across Latin America and the Caribbean, plus Ghana and Nigeria.