Good
- 0% FX fee and no monthly fee, according to Kripicard's fee page
- Virtual card for $5, usable with a $10 starting balance
- Works with Apple Pay and Google Pay
- Limits of $25,000 a day and $150,000 a month
Watch out
- 4% fee on every top-up, so $1,000 of spending costs $40
- No cashback or rewards on any spending
- Virtual card only, with no physical card
- Sign-up depends on Kripicard's banking partners in your country
Kripicard Premium is a virtual prepaid card that you load with crypto and spend in US dollars. It costs $5 to issue and has no monthly fee or FX fee, but every top-up carries a 4% funding fee and the card pays no cashback.
Kripicard is run by Uweb3 Management BR from Rio de Janeiro and pitches the card for paying ads, subscriptions and online checkouts with USDT. You need a $10 balance to create a card, and later top-ups can be as small as $1.
Kripicard Premium cashback
Kripicard Premium pays no cashback: its single plan has a 0% reward rate and no points, tiers or token bonuses.
Kripicard sells one card at one price, so there is nothing to unlock by spending more, staking a token or paying a subscription. The fee page doesn't mention rewards at all.
The missing cashback costs more than it looks. At $1,000 a month of spending, a card paying 1% returns $10 a month, or $120 a year. With Kripicard Premium you get nothing back and pay the 4% funding fee as well.
Kripicard Premium fees
Kripicard Premium charges a 4% funding fee on every top-up, a $5 issuance fee per card and no monthly or FX fee, according to Kripicard's fee page.
The funding fee is the cost that matters. Because you pay it when you load the card, it works the same as a 4% charge on everything you spend. Loading $100 costs $4, and $1,000 a month costs $40, which is $480 a year.
The fee page also lists a $1 processing fee without saying when it applies, and notes that fees may vary with the funding method or exchange rate. The $5 issuance fee is marked as negotiable for customers who issue cards in volume.
Kripicard lists a 0% FX fee and a 0% authorisation fee. All cards are billed in US dollars, so a purchase in euros or pounds is converted to dollars at the card network's exchange rate.
Creating a card needs a $10 loaded balance, which stays on the card for spending. A first card therefore costs $5 plus $0.40 in funding fees. Spending is capped at $25,000 per transaction and per day, and at $150,000 a month.
Kripicard Premium ATM withdrawal fees
Kripicard Premium has no published ATM fees, and Kripicard doesn't say whether the card can be used for cash withdrawals.
The fee page covers issuance, funding, processing and FX, with no line for ATMs. Kripicard Premium is also virtual only, so there is no physical card to put in a machine. If you need regular cash from crypto, use a different card for withdrawals.
Is Kripicard Premium safe?
Kripicard Premium is a custodial card: once you top up, your crypto is converted to dollars and the balance sits with Kripicard's partner bank until you spend it.
Kripicard describes itself as a technology platform and says it is not a bank. Card issuance, settlement and custody of the dollar balance are handled by independent licensed banks and card processors, which its safety page doesn't name. Identity checks are mandatory and are carried out by those regulated processors.
The terms say a partner bank can freeze, hold or keep balances under its own compliance rules, and that Kripicard isn't liable when that happens. The same terms describe a real case: in February 2026 a banking partner put temporary locks on a portion of customer balances. Kripicard says it refunded affected users voluntarily and recovered the funds in the large majority of cases.
Payments are generally non-refundable once authorised, and unauthorised charges must be reported within 10 days. Given the freeze risk, keep only what you plan to spend soon on the card.
Who should get Kripicard Premium
Kripicard Premium suits people who hold USDT and need a dollar card for online payments, such as ad accounts, software subscriptions or foreign web shops.
Getting a card is quick and costs $5, the 0% FX fee helps when a merchant bills in another currency, and the $25,000 daily limit leaves room for advertising budgets. Kripicard's own FAQ walks through paying Facebook ads with a USDT-funded card.
For everyday spending the numbers don't work. A card with no conversion fee and 1% cashback would leave you $50 better off on every $1,000 spent: $40 in fees avoided and $10 earned. The comparison below shows cheaper options in your country.
Where Kripicard Premium is available
Kripicard Premium is open to residents of most countries outside the sanctioned ones, and once issued the card works with any merchant that accepts it worldwide.
Eligibility to register depends on your country and on the coverage of Kripicard's banking partners. Kripicard names Brazil and the rest of Latin America as its core markets, says it supports European users, and suggests starting the sign-up flow to check your country.