Online Card
Good
- Tops up with USDT, BTC, ETH, SOL, XMR or LTC
- No monthly fee on any card
- Separate virtual cards for each subscription or ad account
- Wallet Card works with Apple Pay and Google Pay in shops
Watch out
- Fees on card issuance, every top-up, transactions and declines
- No cashback or rewards on any card
- Virtual cards only, with no physical card
- Balances under $10 are lost when you close a card
UnCard is a platform for prepaid virtual Visa cards that you top up in US dollars with crypto such as USDT, BTC, ETH or Monero. There's no monthly fee and no cashback, and UnCard charges a fee to issue each card and to top it up, with the amounts shown inside the platform before you pay.
You sign up with an email address, deposit crypto to your UnCard wallet and issue a card in seconds. Each card is separate, so you can give one to a streaming service, another to an ad account and a third to travel bookings, and freeze or close any of them without touching the others.
UnCard cashback
UnCard pays no cashback, points or other rewards on its Online Card or Wallet Card.
The two cards differ in where they work, not in what they pay back. The Online Card is meant for websites, with 3D Secure for checkout and broad merchant acceptance for ecommerce, subscriptions and ad platforms. The Wallet Card is meant to live in Apple Pay or Google Pay, so you can tap your phone in a shop or restaurant. Both earn nothing on spending, so the appeal of UnCard is in how you spend crypto, with no reward for doing it.
| Plan | To unlock | Base cashback | FX fee | Card |
|---|---|---|---|---|
 Online Card | Free | 0% | — | — |
 Wallet Card | Free | 0% | — | — |
UnCard fees
UnCard has no monthly fee, but each card has a one-off issuance fee that depends on the plan, and every top-up from your wallet to a card carries a fee.
UnCard's terms also mention transaction fees and decline fees on card activity, and a handling fee for cards with an unusually high number of declines, refunds or disputes. The amounts for all of these appear inside the platform before you confirm an action, and UnCard doesn't list them on its website, so check the plan screen before loading a large balance.
The minimum top-up is $20, and monthly and per-top-up limits depend on the plan. Because cards are topped up in US dollars, payments in other currencies are converted from your dollar balance when you pay.
Closing a card returns the balance to your UnCard wallet only if it's $10 or more. Below that, the leftover amount is lost, so spend a card down or top it up carefully before you close it.
UnCard ATM withdrawal fees
UnCard issues only virtual cards and doesn't mention cash withdrawals anywhere on its site or in its terms.
The Online Card works for card-not-present payments, and the Wallet Card adds tap-to-pay through Apple Pay and Google Pay. If you need cash from crypto, a card with a physical version and a published ATM fee is the better fit.
Is UnCard safe?
UnCard is custodial: the crypto you deposit becomes a US dollar balance held in your UnCard wallet and on your cards until you spend it.
UnCard describes itself as a program manager operating under US law, and says its cards are prepaid Visa or Mastercard cards issued by licensed partners. It doesn't name those partners, the company behind the platform, or an address beyond a support email and a Telegram channel.
Crypto deposits are final, and UnCard's terms say refunds of deposits are reviewed only in exceptional cases. With no named issuer and no published protection for balances, it makes sense to load only what you plan to spend in the next few days.
Who should get UnCard
UnCard suits people who pay for many online services and want a separate card for each one, funded with crypto and without a bank account behind it.
Media buyers running several ad accounts and anyone juggling subscriptions get the most from the one-card-per-merchant setup, since a decline or a cancelled service on one card doesn't affect the rest. Support for Monero and Litecoin alongside USDT and Bitcoin is wider than most crypto cards manage.
If you want rewards, a physical card or a fee schedule you can read before signing up, a mainstream crypto card will suit you better. The comparison below shows the options in your country.
Where UnCard is available
UnCard is open to adults anywhere the service isn't prohibited by local law, as long as they aren't on a US, UN or EU sanctions list.
UnCard doesn't publish a list of supported or excluded countries. Because signing up needs only an email address, the quickest way to check your country is to open an account and look at the card plans on offer before depositing any crypto.