{"license":"CC-BY-4.0","license_url":"https://creativecommons.org/licenses/by/4.0/","attribution":"Data: Crypto Card Report (https://www.cryptocardreport.com) — cite with a link back.","source":"https://www.cryptocardreport.com","docs":"https://www.cryptocardreport.com/data","methodology":"https://www.cryptocardreport.com/methodology","cards":[{"id":"ether-fi-cash","name":"ether.fi Cash","issuer":"ether.fi","network":null,"type":"credit","custody":"self-custody","regions":["us","eu"],"funding":["USDC"],"reward_token":"USDC","reward_token_volatile":false,"tiers":[{"name":"Core","cashback_pct":3,"cashback_bands":[{"up_to_monthly_spend":2000,"pct":3},{"up_to_monthly_spend":3000,"pct":1},{"up_to_monthly_spend":null,"pct":0.5}],"monthly_reward_cap_usd":null,"annual_fee_usd":0,"monthly_fee_usd":0,"issuance_fee_usd":0,"staking_required_usd":null,"unlockable_by_spend":true,"fx_fee_pct":0.5,"atm_fee":"2% per withdrawal, $250 max per withdrawal, max 3 attempts/24h","perks":[],"notes":"Entry-level Club tier (all Cash card users). RESOLVED (2026-07-21): no annual/monthly/issuance fee, confirmed both via ether.fi's own support agent ('There are no fees for standard card purchases. ATM withdrawals incur a 2% fee, and FX fees may apply for non-USD/EUR transactions depending on your membership tier') and via help.ether.fi's Core tier spending-limits article, which lists no such fees. Daily spend limit also confirmed: $30k/day for Core (Luxe $50k/day, Pinnacle $100k/day — a 'VIP, invitation only' tier also exists with no published limit, not modeled as a separate tier here). FX fee up to 0.5% added margin per help center (0% on USD, up to 0.5% on EUR) — independently re-confirmed via a second help.ether.fi article, same 0-0.5% range. EUR-specific cashback band CONFIRMED (2026-07-21, help.ether.fi 'How does cashback work?'): first €800/mo → 3%, €801–€1,500 → 1%, above €1,500 → 0.1% — a lower top-band rate than USD's 0.5%, with much lower thresholds. USD and EUR share ONE monthly spend counter (EUR converted to USD at ether.fi's oracle rate), but each transaction is rated against its own currency's ladder. cashback_bands above models USD only — the engine has no field for a second, EUR-specific band, so EU-region users currently see a computed rate that may not match reality. Needs a schema/engine change to fix properly, not just a data edit — flagging, not implementing here. NEW (2026-07-23): the $0 issuance figure above is specifically for a virtual card, confirmed by the site owner actually generating one in-app with no fee shown. Separately, the in-app 'Add Card' flow's Physical option shows a distinct one-time $50.00 USD fee (screenshot: public/proof/ether-fi-cash/physical-card-fee.png). This doesn't contradict the earlier support-agent quote ('no fees for standard card purchases') — that answer was about per-purchase transaction fees, not the one-time cost of the physical card itself. issuance_fee_usd stays 0 here since that's the default/virtual path this engine assumes; the $50 physical option is disclosed in the review's Fees section and FAQ instead of modeled as a tier, since it's an optional add-on identical across all three tiers, not a distinct product."},{"name":"Luxe","cashback_pct":3,"cashback_bands":[{"up_to_monthly_spend":10000,"pct":3},{"up_to_monthly_spend":20000,"pct":1},{"up_to_monthly_spend":null,"pct":0.5}],"monthly_reward_cap_usd":null,"annual_fee_usd":0,"monthly_fee_usd":0,"issuance_fee_usd":0,"staking_required_usd":null,"unlockable_by_spend":true,"fx_fee_pct":0.25,"atm_fee":"2% per withdrawal, $250 max per withdrawal, max 3 attempts/24h","perks":[],"notes":"Unlocked at 10,000 Club Loyalty Points. Points accrue from staked/Liquid vault balances and card spend (3,000 pts per $1,000 spent) — no fixed USD stake amount is published, so staking_required_usd is left null rather than guessed. RESOLVED (2026-07-21): no annual/monthly/issuance fee — same support-agent + help-center confirmation as Core tier (see its notes). Daily spend limit confirmed $50k/day. EUR-specific cashback band CONFIRMED (2026-07-21): first €3,000/mo → 3%, €3,001–€6,000 → 1%, above €6,000 → 0.1%. Same shared-counter/per-currency-ladder mechanic as Core tier — see its notes for the caveat about the engine not modeling this yet."},{"name":"Pinnacle","cashback_pct":3,"cashback_bands":[{"up_to_monthly_spend":50000,"pct":3},{"up_to_monthly_spend":80000,"pct":1},{"up_to_monthly_spend":null,"pct":0.5}],"monthly_reward_cap_usd":null,"annual_fee_usd":0,"monthly_fee_usd":0,"issuance_fee_usd":0,"staking_required_usd":null,"unlockable_by_spend":true,"fx_fee_pct":0,"atm_fee":"2% per withdrawal, $250 max per withdrawal, max 3 attempts/24h","perks":[],"notes":"Unlocked at 50,000 Club Loyalty Points. RESOLVED (2026-07-21): no annual/monthly/issuance fee — same support-agent + help-center confirmation as Core tier (see its notes). Daily spend limit confirmed $100k/day. EUR-specific cashback band CONFIRMED (2026-07-21): first €16,000/mo → 3%, €16,001–€26,000 → 1%, above €26,000 → 0.1%. Same shared-counter/per-currency-ladder mechanic as Core tier — see its notes for the caveat about the engine not modeling this yet."},{"name":"Business","cashback_pct":1,"cashback_bands":null,"monthly_reward_cap_usd":null,"annual_fee_usd":null,"monthly_fee_usd":null,"issuance_fee_usd":null,"staking_required_usd":null,"unlockable_by_spend":false,"fx_fee_pct":null,"atm_fee":null,"perks":[],"notes":"1% flat cashback (0% on EUR transactions) for Business Cash cards."}],"referral":{"our_code":"start","our_url":"https://www.ether.fi/@start","referee_benefit":"Up to 15% cashback on groceries and restaurants when signing up with a referral code/link, per the live referral landing page (ether.fi/@start) — on top of/separate from standard Cash card cashback tiers; exact duration/terms of this boosted rate not stated on the landing page itself.","referrer_benefit":"1% of every purchase your referrals make, plus a tiered Affiliate Program bonus: $10–$25 new-member/high-spender bonuses, 0.1%–0.3% of referral spend, and 20%+ physical-card commission depending on tier.","program_status":"open","verified_date":"2026-07-21","notes":"Site owner applied and is enrolled in ether.fi's Affiliate Program; this is a real, live, verified referral link — chose the custom slug '@start'. Confirmed working via direct browser check 2026-07-21 (shows 'You've been invited!' landing page with code 'start' visible). Supersedes the closed legacy referral program described previously. Tier 1 (default) CONFIRMED directly from the live dashboard (2026-07-21): New Member Bonus $10, High Spender Bonus $15, Spend Rev Share 0.1%, Physical Card Commission 20%, Card Fee Commission 50%, Liquid Yield Rev Share 5%, Staked Yield Rev Share 5%, no 2nd Degree Share at this tier. This resolves the earlier conflict between ether.fi's website (20%) and its PDF handbook (10%) for tier-1 physical-card commission — the live dashboard matches the website. New Member Bonuses are gated (10 available initially, +3 unlocked per High Spender Bonus earned, none of it expires) rather than simply unlimited — a mechanic neither public source described. No cap on total lifetime earnings. Full program research: data/programs.md."},"sources":[{"field":"cashback tiers/bands","url":"https://help.ether.fi/en/articles/262374-how-does-cashback-work","accessed":"2026-07-12"},{"field":"EUR-specific cashback bands, shared spend counter mechanic, MCC exclusions","url":"https://help.ether.fi/en/articles/262374-how-does-cashback-work","accessed":"2026-07-21"},{"field":"fees (ATM, FX)","url":"https://help.ether.fi/en/articles/303623-what-are-the-transaction-limits-and-fees-for-personal-cash-credit-cards","accessed":"2026-07-12"},{"field":"no fee on standard purchases, confirmation","url":"ether.fi support agent chat (no public URL)","accessed":"2026-07-21"},{"field":"daily spend limits, FX fee range re-confirmation","url":"https://help.ether.fi/en/articles/303623-what-are-the-transaction-limits-and-fees-for-personal-cash-credit-cards","accessed":"2026-07-21"},{"field":"tier unlock thresholds","url":"https://www.ether.fi/the-club","accessed":"2026-07-12"},{"field":"referral program status","url":"https://help.ether.fi/en/articles/304984-referral-program","accessed":"2026-07-12"},{"field":"Affiliate Program Tier 1 commission rates, live dashboard","url":"https://app.ether.fi/app/cash/affiliate","accessed":"2026-07-21"},{"field":"physical card $50 one-time fee, virtual card $0, in-app Add Card flow","url":"site owner's own ether.fi app, in-app screenshots (public/proof/ether-fi-cash/)","accessed":"2026-07-21"}],"last_verified":"2026-07-23","verified":true},{"id":"tria","name":"Tria Card","issuer":"Tria","network":"visa","type":"credit","custody":"self-custody","regions":["us"],"funding":[],"reward_token":"USDT","reward_token_volatile":false,"tiers":[{"name":"Virtual","cashback_pct":1.5,"cashback_bands":[{"up_to_monthly_spend":100,"pct":1.5},{"up_to_monthly_spend":null,"pct":0.5}],"monthly_reward_cap_usd":null,"annual_fee_usd":25,"monthly_fee_usd":0,"issuance_fee_usd":0,"staking_required_usd":null,"unlockable_by_spend":false,"fx_fee_pct":3,"atm_fee":"up to $2 + 3% per withdrawal; up to $2 balance-inquiry/decline fee","perks":[],"notes":"$25/yr is the card-material annual fee, confirmed on both docs.tria.so/card-terms-us and docs.tria.so/card-terms-international, and independently by the site owner's own account. RESOLVED (2026-07-23): no separate issuance fee — docs.tria.so/card-terms-us states directly 'Annual Fees: We may charge you this Fee for making the Account available and issuing Cards to you,' meaning issuance is folded into the annual fee, not a stacked charge. No monthly fee anywhere in the US terms' complete fee schedule (confirmed via direct fetch: only Annual Fee, FX, International Transaction, ATM, and a $10 copying fee appear — no monthly line item). The site owner's own first Virtual card was free with no annual fee charged in year one — still unconfirmed whether that promotional waiver continues into year two (this is account-specific promo behavior, not resolvable from the general terms doc — needs the site owner's account at renewal). PROMO (2026-07-13 to 2026-07-31, doesn't change base rates): Tria's 'July Spend Fest' doubles the cashback spend cap for every tier (Virtual $100→$200, Signature $1,000→$2,000, Premium $2,000→$4,000) and doubles Points earned — no opt-in needed, reverts automatically 2026-08-01. Base cashback_bands above are NOT updated for this since it's temporary; note for any content published during the promo window."},{"name":"Signature","cashback_pct":4.5,"cashback_bands":[{"up_to_monthly_spend":1000,"pct":4.5},{"up_to_monthly_spend":null,"pct":1}],"monthly_reward_cap_usd":null,"annual_fee_usd":109,"monthly_fee_usd":0,"issuance_fee_usd":0,"staking_required_usd":null,"unlockable_by_spend":false,"fx_fee_pct":3,"atm_fee":"up to $2 + 3% per withdrawal; up to $2 balance-inquiry/decline fee","perks":["1.5 Points per $1 spend","one-time 2,500-Point seasonal membership bonus"],"notes":"RESOLVED (2026-07-21): $109/yr, matching the 'Plastic Card' material fee. Confirmed by the site owner directly and independently via docs.tria.so/card-terms-international's fee table. RESOLVED (2026-07-23): no separate issuance fee (see Virtual tier's notes — annual fee explicitly covers issuance per docs.tria.so/card-terms-us) and no monthly fee (confirmed absent from the complete US fee schedule). RESOLVED (2026-07-23): the International Transactions (1%) and USDC Settlement/Deposit (1%) fees do NOT apply to this card. Direct fetch of docs.tria.so/card-terms-international confirms that document's own scope: 'You attest that you are not a United States citizen, and that you are signing up for a card that is intended for those outside of the United States' — this card's regions is us-only, so the International terms (and its extra fees) govern a different, non-US-issued card, not this one."},{"name":"Premium","cashback_pct":6,"cashback_bands":[{"up_to_monthly_spend":2000,"pct":6},{"up_to_monthly_spend":null,"pct":1}],"monthly_reward_cap_usd":null,"annual_fee_usd":250,"monthly_fee_usd":0,"issuance_fee_usd":0,"staking_required_usd":null,"unlockable_by_spend":false,"fx_fee_pct":3,"atm_fee":"up to $2 + 3% per withdrawal; up to $2 balance-inquiry/decline fee","perks":["1.5 Points per $1 spend","one-time 2,500-Point seasonal membership bonus"],"notes":"RESOLVED (2026-07-21): $250/yr, matching the 'Metal Card' material fee — confirmed by the site owner directly and independently via docs.tria.so/card-terms-international's fee table. This exactly matches the competitor cross-check flagged back in T1.3 (cryptocardfinder.xyz's 2.6%/$129-mo figure reproduces almost exactly once this fee is applied), now confirmed primary-source rather than just corroborated. RESOLVED (2026-07-23): same issuance-fee-folded-into-annual and no-monthly-fee resolution as Virtual/Signature tiers. RESOLVED (2026-07-23): the International Transactions/USDC Settlement fees don't apply to this US-issued card — same reasoning as Signature tier's notes."}],"referral":{"our_code":"KQIEA48211","our_url":"https://app.tria.so/?accessCode=KQIEA48211","referee_benefit":null,"referrer_benefit":"Tiered commission on card sales, ongoing card spend, and futures trading — 20%–30% on card sales depending on tier, currently 27% at the site owner's tier (Silver II).","program_status":"open","verified_date":"2026-07-21","notes":"Real, live, verified referral link and code, confirmed directly from the site owner's own Tria Ambassador dashboard — this is the card-referral track (Card Sales/Card Spend/Futures Trading commissions), resolving the earlier open question about which of Tria's two referral tracks to use (the other being ambassador recruitment, not used here). Full tier ladder (card/spend/futures %): Bronze I 20%/0%/5%, Bronze II 22%/0.05%/8%, Silver I 25%/0.10%/10%, Silver II 27%/0.15%/12.5% (current), Gold 30%/0.25%/15% (30+ active users). A separate 'Indirect' rate (10%/0.05%/5% at Silver II) applies to sub-referrals. Full program research: data/programs.md."},"sources":[{"field":"cashback tiers/bands, reward currency (USDT via Arbitrum)","url":"https://www.tria.so/en/blogs/season-3-cashback-and-membership","accessed":"2026-07-12"},{"field":"fees (annual by card material, FX, ATM)","url":"https://docs.tria.so/card-terms-us","accessed":"2026-07-12"},{"field":"annual fees by card material (independent confirmation), international transaction fee, USDC settlement fee","url":"https://docs.tria.so/card-terms-international","accessed":"2026-07-21"},{"field":"annual fees by card material, direct account confirmation","url":"site owner's own Tria account (no public URL)","accessed":"2026-07-21"},{"field":"issuance fee folded into annual fee, complete US fee schedule (no monthly fee)","url":"https://docs.tria.so/card-terms-us","accessed":"2026-07-23"},{"field":"International Transaction/USDC Settlement fees scoped to non-US cardholders only","url":"https://docs.tria.so/card-terms-international","accessed":"2026-07-23"}],"last_verified":"2026-07-23","verified":true},{"id":"avici","name":"Avici Card","issuer":"Avici","network":"visa","type":"credit","custody":"self-custody","regions":["us","au","apac","row"],"funding":[],"reward_token":null,"reward_token_volatile":false,"tiers":[{"name":"Platinum (Virtual)","cashback_pct":0,"cashback_bands":null,"monthly_reward_cap_usd":null,"annual_fee_usd":0,"monthly_fee_usd":0,"issuance_fee_usd":15,"staking_required_usd":null,"unlockable_by_spend":false,"fx_fee_pct":0,"atm_fee":"$1 + 0.65% per withdrawal, $250/day, 3 tx/day, $0.60 declined/balance-inquiry fee","perks":[],"notes":"RE-RESOLVED (2026-07-23): the site owner generated a real Platinum Virtual card in-app and the card-creation screen states '$15 one time fee' plainly, with no mention of a recurring charge — screenshot at public/proof/avici/platinum-fee.png. This confirms the '$15' reading from the official fees page's self-contradictory wording ('First card costs $15. After the free card: $10 one-time fee') over the '$10' reading a 2026-07-21 pass had inferred by backward-computing from in-app referral-payout figures (18% of $10 = $1.80). Direct in-app observation of the actual charge outranks that inference — issuance_fee_usd corrected 10 → 15. annual_fee_usd resolved null → 0 by symmetry with the already-confirmed Platinum (Physical) tier (same product, virtual vs. physical form factor only) and the screenshot's 'one time fee' phrasing, which — unlike Signature's explicit 'then $20 annually' — never mentions a recurring charge. No cashback/rewards program confirmed on official docs. fx_fee_pct 0% is Avici's own markup only — Avici's own fees page separately notes 'Visa may charge a small 0.4-1% cross border fee for non-USD transactions,' a network-level fee not captured by this field. A $5 welcome credit (9-day expiry) also appeared at signup in-app (2026-07-22) — not modeled here since it's unclear whether it's a standing new-user promo or a limited-time one; mentioned in the review with that caveat. REGIONS (2026-07-21, confirmed on Avici's own site): available in the site owner's checked country list — US, Australia, plus ~45 others concentrated in Latin America/Caribbean/Africa/select APAC (Argentina, Bahamas, Bangladesh, Barbados, Belize, Bolivia, Brazil, Cayman Islands, Colombia, Costa Rica, Côte d'Ivoire, Dominican Republic, Ecuador, Egypt, El Salvador, Ghana, Grenada, Guatemala, Guyana, Honduras, Hong Kong, Japan, Kenya, Malaysia, Mexico, Morocco, New Zealand, Pakistan, Panama, Paraguay, Peru, Philippines, Saint Kitts & Nevis, Saint Lucia, Saint Vincent & the Grenadines, Senegal, Singapore, South Africa, Suriname, Thailand, Trinidad & Tobago, Turks & Caicos, UAE, Uganda, Uruguay, Zambia, Antigua & Barbuda). Notably absent from both the available AND prohibited lists: the UK and all EU countries — Avici doesn't appear to serve them at all. Explicitly prohibited: Belarus, mainland China, Cuba, India, Iran, Iraq, Israel, Myanmar, Nepal, Nicaragua, North Korea, Russia, Sri Lanka, Syria, Turkey, Ukraine, Venezuela, Vietnam. regions field above is mapped to the closest enum values (us/au/apac/row) rather than modeling all ~50 countries individually."},{"name":"Platinum (Physical)","cashback_pct":0,"cashback_bands":null,"monthly_reward_cap_usd":null,"annual_fee_usd":0,"monthly_fee_usd":0,"issuance_fee_usd":50,"staking_required_usd":null,"unlockable_by_spend":false,"fx_fee_pct":0,"atm_fee":"$1 + 0.65% per withdrawal, $250/day, 3 tx/day, $0.60 declined/balance-inquiry fee","perks":[],"notes":"$50 one-time card fee, no recurring annual charge, per official docs."},{"name":"Signature (Virtual)","cashback_pct":0,"cashback_bands":null,"monthly_reward_cap_usd":null,"annual_fee_usd":20,"monthly_fee_usd":0,"issuance_fee_usd":30,"staking_required_usd":null,"unlockable_by_spend":false,"fx_fee_pct":0,"atm_fee":"$0 ATM fee, $250/day, 3 tx/day, $0 declined/balance-inquiry fee","perks":[],"notes":"$30 first year, then $20/year billed annually thereafter, per official docs."},{"name":"Signature (Physical)","cashback_pct":0,"cashback_bands":null,"monthly_reward_cap_usd":null,"annual_fee_usd":20,"monthly_fee_usd":0,"issuance_fee_usd":75,"staking_required_usd":null,"unlockable_by_spend":false,"fx_fee_pct":0,"atm_fee":"$0 ATM fee, $250/day, 3 tx/day, $0 declined/balance-inquiry fee","perks":[],"notes":"$75 one-time card fee, then $20/year starting the second year, per official docs."}],"referral":{"our_code":"TS4PP3","our_url":null,"referee_benefit":"10% discount on any card when entering a referral code at checkout","referrer_benefit":"18% of the card's fee for Physical Signature ($13.50), Physical Platinum ($9.00), and Virtual Signature ($5.40) — Avici's own docs say 20% flat. Virtual Platinum's payout ($1.80 as of 2026-07-21) hasn't been re-checked since that card's fee was corrected to $15, so I'm not stating it as still-current.","program_status":"open","verified_date":"2026-07-21","notes":"Real referral code confirmed directly from the site owner's own Avici app account. Avici's referral mechanism is a typed code at checkout, not a trackable link — the app itself doesn't generate a URL ('I get a referral code but not a link'), consistent with docs.avici.money's code-based (not link-based) design already noted in sources. In-app 'Potential earnings per card' (2026-07-21): Physical Signature $13.50, Physical Platinum $9.00, Virtual Signature $5.40, Virtual Platinum $1.80 — the first three are each exactly 18% of that card's issuance_fee_usd. UPDATE (2026-07-23): Virtual Platinum's issuance_fee_usd was corrected 10 → 15 from a direct in-app screenshot (see that tier's own notes) — $1.80 is only 12% of $15, not 18%, breaking the clean pattern for that one SKU. Two explanations, neither confirmed: the fee genuinely changed between the two observations (2026-07-21 vs 2026-07-22) and the referral payout is now stale; or Virtual Platinum's referral rate was never actually 18% and the old match against $10 was coincidental. Needs a fresh screenshot of the referral-earnings screen to resolve — don't assume either way. Full program research: data/programs.md."},"sources":[{"field":"fees, ATM limits","url":"https://docs.avici.money/getting-started/secured-credit-cards/fees-and-limits.md","accessed":"2026-07-12"},{"field":"referral program terms","url":"https://docs.avici.money/getting-started/referrals","accessed":"2026-07-12"},{"field":"product overview, funding model","url":"https://avici.money/","accessed":"2026-07-12"},{"field":"available/prohibited regions, Visa cross-border fee","url":"site owner's own Avici account/app (no public URL)","accessed":"2026-07-21"},{"field":"Platinum Virtual issuance fee corrected to $15, in-app card-creation screen","url":"site owner's own Avici app, in-app screenshot (public/proof/avici/platinum-fee.png)","accessed":"2026-07-22"}],"last_verified":"2026-07-23","verified":true},{"id":"kast","name":"KAST Card","issuer":"KAST","network":"visa","type":"prepaid","custody":"custodial","regions":["us","au","uk","eu"],"funding":["USDC","USDT","USDe"],"reward_token":"USD","reward_token_volatile":false,"tiers":[{"name":"Standard","cashback_pct":1.5,"cashback_bands":null,"monthly_reward_cap_usd":2000,"annual_fee_usd":0,"monthly_fee_usd":0,"issuance_fee_usd":0,"staking_required_usd":null,"unlockable_by_spend":false,"fx_fee_pct":1.75,"atm_fee":"$3 + 2% per withdrawal, up to $250/withdrawal, max 3 withdrawals or $750 per 24h","perks":["2 free cards (virtual or physical)"],"notes":"Free tier. 1.5% cashback confirmed on kast.xyz/crypto-cards. CONFIRMED (2026-07-21): monthly cashback cap is $2,000/mo of spend at this rate, per concierge.kast.xyz's Fees and Conditions article ('USD Cashback: 1.5% (first $2,000/month qualifies)') — resolves the prior null. CROSS-CHECK (2026-07-12, T1.3 engine build): competitor site cryptocardfinder.xyz publishes '0.6% effective / $30/mo' for KAST at its default spend level; the now-confirmed $2,000/mo cap reproduces that figure exactly. REGIONS (2026-07-21): not clearly published anywhere on kast.xyz — the site owner spot-checked availability during the app's own signup flow: US and Australia both confirmed working to full extent, UK and France (as an EU proxy) both confirmed working, Canada confirmed NOT working. This is a spot-check of a few countries, not an exhaustive list — treat other regions as unconfirmed rather than assuming coverage. Also worth knowing: KAST's signup flow has a dedicated full-screen 'enter a referral code' step — a strong placement for whenever our own code is live. ISSUANCE (2026-07-23, via KAST's own blog/help articles): no monthly billing exists platform-wide ('KAST memberships are billed annually, with no monthly billing option available') — resolves monthly_fee_usd to 0. RESOLVED (2026-07-23, via the site owner's own copy of KAST's official 'Fees and Conditions' article): issuance_fee_usd set to 0 — the base/included path is free (first 2 virtual cards free, Standard physical free). Real nuance that doesn't fit a single field: additional virtual cards cost $2 each (some countries $2 for the first), and the free Standard physical card still carries a real $40 shipping fee — both disclosed in the review, not modeled as issuance_fee_usd since they're add-ons beyond the base free path, not the base cost itself. FX FEE RESOLVED (2026-07-23): official source states 0.5%-1.75%, 'depends on your country of residence and the country where the transaction takes place' — no single true number exists. fx_fee_pct set to 1.75 (the ceiling) per this project's standing conservative-assumption rule (same reasoning as the 15% staking haircut in /methodology) — actual cost may be lower depending on your specific corridor. ATM fee enriched with the official withdrawal limits ($250/withdrawal, 3x/$750 per 24h) — the $3+2% figure itself was already correct."},{"name":"Premium","cashback_pct":2,"cashback_bands":null,"monthly_reward_cap_usd":10000,"annual_fee_usd":1000,"monthly_fee_usd":0,"issuance_fee_usd":0,"staking_required_usd":null,"unlockable_by_spend":false,"fx_fee_pct":1.75,"atm_fee":"$3 + 2% per withdrawal, up to $250/withdrawal, max 3 withdrawals or $750 per 24h","perks":["1 free premium card (virtual & physical) + Standard allowance","+1% KAST Points on all spend"],"notes":"'$1,000/year' is the literal membership price stated on kast.xyz/crypto-cards, in a straightforward pricing table alongside the other tiers — re-confirmed via a second, independent fetch on 2026-07-12 before publishing in T2.2 (no sign of a misparse or spend-threshold confusion). Unusually high for a card membership fee, but presented plainly as an annual price both times. RESOLVED (2026-07-23): monthly_fee_usd confirmed 0. monthly_reward_cap_usd RESOLVED from null to 10000 — KAST's own official fee page states '2% (first $10,000/month qualifies)' directly; this genuinely wasn't modeled before. issuance_fee_usd set to 0 — the same official page confirms Premium's included card allowance (1 free Premium card, virtual or physical, plus the Standard allowance) is free, no separate charge. fx_fee_pct set to 1.75 — see Standard tier's notes for the same 0.5-1.75%-range/conservative-ceiling reasoning. Real, unmodeled extra value not captured by any schema field: Premium also earns +1% back in a separate 'KAST Points' currency on top of the USD cashback above, plus SOL staking points — genuinely additional value this site's numbers don't count, flagging rather than trying to force into the existing single-reward-token schema."},{"name":"Private","cashback_pct":3,"cashback_bands":null,"monthly_reward_cap_usd":40000,"annual_fee_usd":10000,"monthly_fee_usd":0,"issuance_fee_usd":0,"staking_required_usd":null,"unlockable_by_spend":false,"fx_fee_pct":1.75,"atm_fee":"$3 + 2% per withdrawal, up to $250/withdrawal, max 3 withdrawals or $750 per 24h","perks":["1 free plated gold card + 2 free cards from any other tier","concierge access","+2% KAST Points on all spend"],"notes":"'$10,000/year' is the literal membership price stated on kast.xyz/crypto-cards — same re-confirmation as Premium (see its notes), independently re-fetched 2026-07-12 before publishing in T2.2. RESOLVED (2026-07-23): monthly_fee_usd confirmed 0. monthly_reward_cap_usd RESOLVED from null to 40000 — KAST's own official fee page states '3% (first $40,000/month qualifies)' directly. issuance_fee_usd set to 0 — Private's included allowance (1 free Plated Gold card + 2 more free cards from any other tier) is free per the same official page. fx_fee_pct set to 1.75, same reasoning as Standard/Premium. Same unmodeled-extra-value caveat as Premium: +2% KAST Points on top of USD cashback, not counted in this site's numbers."}],"referral":{"our_code":null,"our_url":null,"referee_benefit":"20% off first subscription payment (vs. 10% under the plain in-app referral, which needs no application).","referrer_benefit":"Tiered: one-time spend-milestone bonuses ($20–$500), a first-year subscription commission (Premium $100–200, Private $1,000–2,000), and 0.20%–0.50% ongoing cashback on referral spend — all scaling with your own affiliate tier.","program_status":"open","verified_date":"2026-07-21","notes":"Distinct 'KAST Affiliate Program,' separate from the no-application in-app 'Refer a Friend.' Application: affiliates.kast.xyz (Google Form) — site owner hasn't applied yet. Full program research: data/programs.md."},"sources":[{"field":"tier names, cashback %, membership pricing","url":"https://www.kast.xyz/crypto-cards","accessed":"2026-07-12"},{"field":"FX fee, ATM fee","url":"https://concierge.kast.xyz/hc/en-us/articles/9850062738703-What-Are-the-Fees-and-Conditions-for-KAST-Cards-and-Accounts","accessed":"2026-07-12"},{"field":"region availability spot-check (US/AU/UK/FR working, Canada not)","url":"KAST app signup flow, site owner's own device (no public URL)","accessed":"2026-07-21"},{"field":"no monthly billing exists; $40 physical shipping fee; $2/extra virtual card fee","url":"https://www.kast.xyz/blog/all-standard-physical-kast-cards-are-now-free---heres-how-to-get-yours","accessed":"2026-07-23"},{"field":"FX fee range (0.5-1.75%), Premium/Private monthly reward caps ($10k/$40k), issuance fee resolution, full ATM withdrawal limits","url":"site owner's own copy of concierge.kast.xyz's 'Fees and Conditions' article (no public URL captured)","accessed":"2026-07-23"}],"last_verified":"2026-07-23","verified":false},{"id":"lava","name":"Lava Card","issuer":"Lava","network":"visa","type":"credit","custody":"self-custody","regions":["us","uk","eu","ca","au","apac","row"],"funding":[],"reward_token":"BTC","reward_token_volatile":true,"tiers":[{"name":"Standard","cashback_pct":3,"cashback_bands":null,"monthly_reward_cap_usd":null,"annual_fee_usd":0,"monthly_fee_usd":0,"issuance_fee_usd":null,"staking_required_usd":null,"unlockable_by_spend":false,"fx_fee_pct":0,"atm_fee":null,"perks":[],"notes":"RESOLVED (2026-07-21) via lava.xyz/faq, primary source (previously a non-primary source's claim): general spend earns 3% back in bitcoin for US-based users, 1% for users based outside the US; 5% applies specifically at Lava merchant partners, globally, regardless of user location. cashback_pct set to 3.0 (US general-spend rate) as the representative figure rather than the 5% partner-only ceiling used previously, which overstated the typical case — the engine has no field for a third axis (merchant-category-dependent rate on top of region), so partner-merchant spend isn't modeled separately. No annual fee, no FX fee/spread — both explicitly confirmed ('Lava Card does not charge an FX fee or a spread for foreign currency transactions'), removing the earlier ambiguity about whether these were really confirmed-zero or just placeholders. No minimum spend. REGIONS RESOLVED (2026-07-23, via the site owner's own copy of Lava's official FAQ): a direct FAQ entry titled 'Where is Lava available?' answers 'Lava is available globally. To get started, you can sign up online or download Lava today' — no listed exclusions. This is broader than the earlier ['us']-only modeling, which was a deliberately conservative read of a different, spend-usability-focused phrase ('anywhere Visa is accepted'). The new FAQ directly answers the eligibility question, and the US/non-US cashback split (3% vs. 1%) only makes sense if non-US signups are genuinely supported — set to all 7 region values. Caveat: 'globally' names no exclusion list, so treat this as broad-but-not-exhaustively-confirmed, same spirit as other 'lead' resolutions on this site. TYPE CORRECTED (2026-07-23): Lava's own FAQ repeatedly and explicitly self-describes as 'a secured credit card' ('Is the Lava Card a credit card or a debit card? Lava Card is a secured credit card... Lava Card does not offer unsecured credit'), not a debit card as previously modeled — type changed from 'debit' to 'credit' to match Lava's own terminology. The functional point that matters for a reader — you can only spend what you've funded, no revolving/unsecured credit line — is still true and still worth explaining; only the debit/credit label was wrong. Self-custodial — issuer states it does not control wallet contents. Confirmed excluded from rewards (2026-07-23, official FAQ): fines, tax payments, insurance sales, real-estate rental agents/managers, elementary/secondary schools, other education services. The card is explicitly NOT the same product as Lava's BLOC (Bitcoin-backed line of credit) and has separate terms. Perks confirmed but not schema fields: purchase protection up to $20,000, extended warranty up to $25,000, travel/auto-rental/lost-luggage insurance, 24/7 Visa customer service. RE-CHECKED (2026-07-23): three separate attempts to find the ATM withdrawal fee (lava.xyz/faq direct fetch, lava.xyz/card direct fetch, targeted web search) all came up empty — genuinely not published anywhere public, not just unsearched. Same for the issuance fee. Likely needs an actual ATM withdrawal or Lava's own support to resolve, not more web research. UNCONFIRMED THIRD-PARTY CLAIM (2026-07-23, NOT applied): a non-primary source (cryptonoshi.com, a product listing site, not lava.xyz) claims the Lava Card 'is issued solely as a virtual card with no physical version or ATM support' at all — which, if true, would make atm_fee genuinely N/A rather than unconfirmed. Not trusting this: it contradicts Lava's own primary-source FAQ, which lists physical-card-typical benefits (travel accident insurance, lost luggage insurance, global auto rental insurance, 24/7 Visa customer service) without ever stating virtual-only. Flagging the conflict rather than resolving it either way — worth asking Lava support directly whether a physical card exists at all, which would also settle the ATM question. FUNDING METHODS (2026-07-23, via the site owner's own copy of Lava's official 'How do bank transfers on Lava work?' FAQ — primary source): bank-transfer funding is currently limited to bank accounts in the USA, Europe, and Mexico (Same-Day ACH 1.25%, Regular ACH free, domestic wire $25, SEPA free, PIX free, SPEI free) — UK, Brazil, and Australia are explicitly named as 'in the near future,' not yet supported for bank transfers specifically. This doesn't necessarily narrow the regions field above (signup/eligibility is a different question, and 'if bank transfers are not supported in your region, you can still move fiat onto and off of Lava via stablecoins' per the same FAQ), but it's a real, practical funding-method caveat worth surfacing for users outside those three regions."}],"referral":{"our_code":null,"our_url":null,"referee_benefit":null,"referrer_benefit":null,"program_status":"closed","verified_date":"2026-07-21","notes":"CONFIRMED (2026-07-21): no affiliate program and no consumer referral program exist at all, for the Card or Lava's separate BLOC product — checked exhaustively (full site, all 89 sitemap URLs, socials, 9 affiliate networks). 'closed' is the closest available status value; more accurately there has never been one to close. Full program research: data/programs.md."},"sources":[{"field":"cashback ceiling, custody model, fee-free claims","url":"https://www.lava.xyz/card","accessed":"2026-07-12"},{"field":"card mechanics (secured/prepaid, not revolving credit)","url":"https://www.lava.xyz/faq/how-does-lava-card-work","accessed":"2026-07-12"},{"field":"cashback rate by region/merchant category, FX fee/spread confirmation, perks","url":"https://www.lava.xyz/faq/","accessed":"2026-07-21"},{"field":"ATM/issuance fee re-checked, still not published anywhere public","url":"https://www.lava.xyz/faq, https://www.lava.xyz/card, and web search — all checked, none mention it","accessed":"2026-07-23"},{"field":"regions ('available globally'), card type ('secured credit card', not debit), excluded reward categories","url":"site owner's own copy of lava.xyz/faq's full Q&A text (no public URL captured)","accessed":"2026-07-23"},{"field":"bank-transfer funding methods and regional limits (USA/Europe/Mexico currently)","url":"https://www.lava.xyz/faq/how-do-bank-transfers-on-lava-work","accessed":"2026-07-23"},{"field":"unconfirmed third-party claim re: virtual-only, no ATM support — not trusted, conflicts with primary source","url":"https://cryptonoshi.com/product/lava-card/ (non-primary, not lava.xyz)","accessed":"2026-07-23"}],"last_verified":"2026-07-23","verified":false},{"id":"gnosis-pay","name":"Gnosis Pay Card","issuer":"Gnosis Pay","network":"visa","type":"debit","custody":"self-custody","regions":["eu"],"funding":[],"reward_token":"GNO","reward_token_volatile":true,"tiers":[{"name":"0.1+ GNO held","cashback_pct":1,"cashback_bands":null,"monthly_reward_cap_usd":null,"annual_fee_usd":null,"monthly_fee_usd":0,"issuance_fee_usd":30,"staking_required_usd":null,"unlockable_by_spend":false,"fx_fee_pct":0,"atm_fee":null,"perks":[],"notes":"Cashback requires holding GNO (a volatile governance token, not a stablecoin) in the Gnosis Pay Safe — paid weekly, ~7 days after transactions. Tier threshold sourced from a search synthesis of official help.gnosispay.com article titles, not independently re-confirmed via direct fetch of the exact number — re-check before publishing. €30 one-time issuance fee and ~1.5% 'transaction stabilization fee' confirmed via gnosispay.com. Program confirmed still active as of 2026-07-10 (an interim-season end date of 2026-06-30 appeared in some search results but is contradicted by the more recent official page, which shows it live and open-ended). UPDATE (2026-07-23): the same 0.1/1/10/100 GNO → 1%/2%/3%/4% thresholds (plus a stackable +1% OG NFT bonus, 5% max) are now independently corroborated by multiple sources describing the same specific, named, dated program — the 'Intermediary Cashback Programme,' active 2025-11-09 to 2026-09-30. Direct fetch of the help.gnosispay.com articles themselves still isn't possible (both return HTTP 403 to automated access), so this is stronger secondary corroboration, not a primary-source confirmation. Important new fact: this program has a stated end date, 2026-09-30 — re-check this card's whole cashback structure at or before that date, don't assume it carries forward unchanged. ANNUAL FEE LEAD (2026-07-23, not applied — secondary sources only): multiple 2026 third-party reviews report a €30/year annual fee, but gnosispay.com/card's own page (fetched directly) doesn't mention any annual fee at all, and one source explicitly notes conflicting reports (some say none, most 2026 reviews say €30) — needs a primary-source or account check before treating as confirmed. ATM FEE LEAD (2026-07-23, not applied): third-party reviews report 5 free ATM withdrawals or €200/month (whichever first) before a 2% per-withdrawal fee — same not-yet-primary-confirmed caveat."},{"name":"1+ GNO held","cashback_pct":2,"cashback_bands":null,"monthly_reward_cap_usd":null,"annual_fee_usd":null,"monthly_fee_usd":0,"issuance_fee_usd":30,"staking_required_usd":null,"unlockable_by_spend":false,"fx_fee_pct":0,"atm_fee":null,"perks":[],"notes":"Same sourcing caveat as the 0.1 GNO tier — threshold not independently re-confirmed this pass."},{"name":"10+ GNO held","cashback_pct":3,"cashback_bands":null,"monthly_reward_cap_usd":null,"annual_fee_usd":null,"monthly_fee_usd":0,"issuance_fee_usd":30,"staking_required_usd":null,"unlockable_by_spend":false,"fx_fee_pct":0,"atm_fee":null,"perks":[],"notes":"Same sourcing caveat as the 0.1 GNO tier — threshold not independently re-confirmed this pass."},{"name":"100+ GNO held","cashback_pct":4,"cashback_bands":null,"monthly_reward_cap_usd":null,"annual_fee_usd":null,"monthly_fee_usd":0,"issuance_fee_usd":30,"staking_required_usd":null,"unlockable_by_spend":false,"fx_fee_pct":0,"atm_fee":null,"perks":["+1% cashback boost for OG NFT holders (max 5% combined)"],"notes":"Same sourcing caveat as the 0.1 GNO tier — threshold not independently re-confirmed this pass."}],"referral":{"our_code":null,"our_url":null,"referee_benefit":null,"referrer_benefit":null,"program_status":"closed","verified_date":"2026-07-21","notes":"Gnosis Pay's own direct referral program ended 2025-04-22. CONFIRMED (2026-07-21): neither wallet partner (Zeal-EU, Picnic-Brazil) has a publisher program either — both only offer in-app peer referrals. No affiliate path exists through Gnosis Pay at all right now. Legacy (closed) program: 40 EURe/GBPe per successful referral (referrer) + 10 EURe/GBPe to referee after €50 spend, plus an OG NFT for referring 2+ people. Full program research: data/programs.md."},"sources":[{"field":"cashback program status, tiers","url":"https://gnosispay.com/rewards","accessed":"2026-07-12"},{"field":"fees, card network, regions","url":"https://gnosispay.com/card","accessed":"2026-07-12"},{"field":"referral program status","url":"https://help.gnosispay.com/hc/en-us/sections/39386317501972-Referral-Programs","accessed":"2026-07-12"},{"field":"GNO cashback thresholds cross-corroborated (Intermediary Cashback Programme, active through 2026-09-30); annual/ATM fee leads not yet primary-confirmed","url":"help.gnosispay.com articles blocked automated access (403); corroborated via multiple third-party 2026 reviews instead","accessed":"2026-07-23"}],"last_verified":"2026-07-23","verified":false},{"id":"bybit-card","name":"Bybit Card","issuer":"Bybit","network":"mastercard","type":"credit","custody":"custodial","regions":["au","apac","row"],"funding":[],"reward_token":"USDT","reward_token_volatile":false,"tiers":[{"name":"Tier 1 (Base)","cashback_pct":2,"cashback_bands":null,"monthly_reward_cap_usd":5,"annual_fee_usd":0,"monthly_fee_usd":0,"issuance_fee_usd":0,"staking_required_usd":null,"unlockable_by_spend":false,"fx_fee_pct":0.5,"atm_fee":"2% on withdrawals beyond a free monthly allowance (~$100 for USD-denominated cards; varies by region); Mastercard's own conversion rate applies on top","perks":["free virtual card issuance"],"notes":"RESOLVED (2026-07-21) via Bybit's own 'Bybit Card Rewards' page — this is a real 6-tier ladder (Base through Infinite), not a flat 2%/unpublished-VIP structure as previously modeled. Tier 1 is the default for every non-VIP user: 2% cashback, capped at $5/month in rewards. All 6 tiers share the same fees (FX, ATM, issuance) — only cashback % and monthly cap change by tier. Cashback paid in USDT: accumulated points × 0.002 conversion. FX fee is a 0.5% Bybit markup added to Mastercard's own conversion rate. A separate 0.9% 'crypto conversion fee' applies when spending non-USDT crypto — distinct from the FX fee, not its own schema field. A separate +1% 'Pay Later installment' cashback bonus exists on top of the base tier rate, with its own cap — not modeled as a separate tier. RESOLVED (2026-07-23): the site owner supplied Bybit's own official 'card type and where you can use it' table directly. Card network and type genuinely vary by region, not a single Mastercard-everywhere answer: Argentina = Mastercard PREPAID (no credit transactions); AIFC, Georgia, Kazakhstan, Australia, Mexico = Mastercard CREDIT; Brazil, Peru = Visa PREPAID; Asia Pacific = Visa CREDIT. type set to 'credit' as the representative/majority case across these regions — genuinely mixed with 'prepaid' depending on exact country, see this note rather than trust the single field blindly. REGIONS RESOLVED (2026-07-23) from the same official table — confirmed available: Argentina, AIFC, Georgia, Kazakhstan, Australia, Mexico, Brazil, Peru, and 'Asia Pacific' generally. None of these are US/UK/EU/CA, so regions maps to au + apac + row (Argentina/Mexico/Brazil/Peru/Georgia/Kazakhstan/AIFC all fall in row, the schema has no LatAm-specific enum). This SUPERSEDES an earlier (2026-07-23, same day) web-search-derived lead that named the EEA, Switzerland, and a slightly different country set — that lead is NOT corroborated by this official table (no EEA/Switzerland mention here at all) and was likely conflating general Bybit-exchange availability with Bybit-Card-specific availability. Trust this table over that earlier search-derived note. Card validity period also confirmed, informational only: 3 years (AIFC), 6 years (Georgia/Kazakhstan/Asia Pacific/Australia/Argentina), 5 years (Brazil/Mexico/Peru) — not modeled in schema, no field for it."},{"name":"Tier 2 (Beta)","cashback_pct":2,"cashback_bands":null,"monthly_reward_cap_usd":50,"annual_fee_usd":0,"monthly_fee_usd":0,"issuance_fee_usd":0,"staking_required_usd":null,"unlockable_by_spend":true,"fx_fee_pct":0.5,"atm_fee":"2% on withdrawals beyond a free monthly allowance (~$100 for USD-denominated cards; varies by region); Mastercard's own conversion rate applies on top","perks":[],"notes":"Unlocked via $500+/month card+Pay spend (non-VIP), or automatic for exchange VIP 1 & 2. Same 2% rate as Tier 1, but a 10x higher monthly cap ($50 vs $5). Tier persists through the following calendar month once unlocked by spend, then reverts if not re-qualified. Confirmed on Bybit's own 'Bybit Card Rewards' page, 2026-07-21."},{"name":"Tier 3 (Alpha)","cashback_pct":4,"cashback_bands":null,"monthly_reward_cap_usd":150,"annual_fee_usd":0,"monthly_fee_usd":0,"issuance_fee_usd":0,"staking_required_usd":null,"unlockable_by_spend":true,"fx_fee_pct":0.5,"atm_fee":"2% on withdrawals beyond a free monthly allowance (~$100 for USD-denominated cards; varies by region); Mastercard's own conversion rate applies on top","perks":["Merchant rebate (100% cashback via points) on select subscriptions — ChatGPT Plus, Claude Pro, Netflix, Spotify, TradingView, Financial Times, Shahid, iQIYI — for Tier 2+ users"],"notes":"Unlocked via $3,500+/month spend (non-VIP), or automatic for exchange VIP 3. Confirmed on Bybit's own 'Bybit Card Rewards' page, 2026-07-21."},{"name":"Tier 4 (Apex)","cashback_pct":6,"cashback_bands":null,"monthly_reward_cap_usd":250,"annual_fee_usd":0,"monthly_fee_usd":0,"issuance_fee_usd":0,"staking_required_usd":null,"unlockable_by_spend":true,"fx_fee_pct":0.5,"atm_fee":"2% on withdrawals beyond a free monthly allowance (~$100 for USD-denominated cards; varies by region); Mastercard's own conversion rate applies on top","perks":["Merchant subscription rebates (see Tier 3)"],"notes":"Unlocked via $9,500+/month spend (non-VIP), or automatic for exchange VIP 4 & PRO 1. Confirmed on Bybit's own 'Bybit Card Rewards' page, 2026-07-21."},{"name":"Tier 5 (Omega)","cashback_pct":8,"cashback_bands":null,"monthly_reward_cap_usd":400,"annual_fee_usd":0,"monthly_fee_usd":0,"issuance_fee_usd":0,"staking_required_usd":null,"unlockable_by_spend":true,"fx_fee_pct":0.5,"atm_fee":"2% on withdrawals beyond a free monthly allowance (~$100 for USD-denominated cards; varies by region); Mastercard's own conversion rate applies on top","perks":["Merchant subscription rebates (see Tier 3)"],"notes":"Unlocked via $12,500+/month spend (non-VIP), or automatic for exchange VIP 5 & PRO 2. Confirmed on Bybit's own 'Bybit Card Rewards' page, 2026-07-21."},{"name":"Tier 6 (Infinite)","cashback_pct":10,"cashback_bands":null,"monthly_reward_cap_usd":600,"annual_fee_usd":0,"monthly_fee_usd":0,"issuance_fee_usd":0,"staking_required_usd":null,"unlockable_by_spend":true,"fx_fee_pct":0.5,"atm_fee":"2% on withdrawals beyond a free monthly allowance (~$100 for USD-denominated cards; varies by region); Mastercard's own conversion rate applies on top","perks":["Merchant subscription rebates (see Tier 3)"],"notes":"Top tier. Unlocked via $25,000+/month spend (non-VIP), or automatic for Supreme VIP, PRO 3, PRO 4 & PRO 5. This is the highest published rate (10%) — resolves the earlier 'up to 10%, level unpublished' gap. Confirmed on Bybit's own 'Bybit Card Rewards' page, 2026-07-21."}],"referral":{"our_code":null,"our_url":null,"referee_benefit":null,"referrer_benefit":null,"program_status":"open","verified_date":"2026-07-21","notes":"General Bybit Affiliate Program exists (affiliates.bybit.com) but pays on TRADING-FEE revenue share only — doesn't name the Card as a payout event. A separate Card-specific mechanism (20 USDT/referral) exists but is part of the consumer Referral Program, not something a website publisher can access. Applying may not actually monetize Card-only traffic. Worth noting regardless: Bybit's own signup flow has a dedicated, full-page 'enter a referral code' step (site owner observed 2026-07-21) — a strong placement if a card-inclusive code ever becomes available. Full program research: data/programs.md."},"sources":[{"field":"base cashback rate, reward currency","url":"https://www.bybitcard.com/","accessed":"2026-07-12"},{"field":"FX fee, ATM fee, crypto conversion fee, network","url":"https://www.bybit.com/en/help-center/article/Fees-and-Spending-Limits-Bybit-Card","accessed":"2026-07-12"},{"field":"full 6-tier cashback structure, caps, unlock thresholds","url":"Bybit help center article \"Introduction to Bybit Card Rewards\" (dated 2026-06-07 per its own byline), exact URL not captured by the site owner — re-find and record before next re-verification","accessed":"2026-07-21"},{"field":"regions and network/type by region, confirmed via official card-type table (supersedes the search-derived EEA lead above)","url":"site owner's own copy of Bybit's official card-type/region table (no public URL captured)","accessed":"2026-07-23"}],"last_verified":"2026-07-23","verified":true},{"id":"crypto-com","name":"Crypto.com Card","issuer":"Crypto.com","network":"visa","type":"credit","custody":"custodial","regions":["us"],"funding":[],"reward_token":"CRO","reward_token_volatile":true,"tiers":[{"name":"Basic","cashback_pct":0,"cashback_bands":null,"monthly_reward_cap_usd":null,"annual_fee_usd":0,"monthly_fee_usd":0,"issuance_fee_usd":0,"staking_required_usd":0,"unlockable_by_spend":false,"fx_fee_pct":null,"atm_fee":null,"perks":[],"notes":"PARTIALLY RESOLVED (2026-07-21): a THIRD official-looking source (site owner's screenshot of a Crypto.com 'Compare Card Tiers' page, using the legacy tier names — Midnight Blue for this tier) shows explicit '0%' cashback for everyday spending — agreeing with the Sept-2025 help center's 'N/A' and leaving the original /us/cards '1.5%' figure as the lone outlier (1 of 3 sources vs. 2 of 3 agreeing on zero). Setting cashback_pct to 0 on that 2-of-3 convergence, not full certainty. Formerly named 'Midnight' / 'Midnight Blue.' CORROBORATED (2026-07-23): a dated (19 June 2026) official 'Prepaid Card - Rewards & Benefits' article the site owner found lists Basic's spending-reward rate as 'N/A' for both the 2025 and 2026-onwards periods — consistent with 0%, not a new conflicting figure."},{"name":"Plus","cashback_pct":2,"cashback_bands":null,"monthly_reward_cap_usd":25,"annual_fee_usd":0,"monthly_fee_usd":4.99,"issuance_fee_usd":0,"staking_required_usd":0,"unlockable_by_spend":false,"fx_fee_pct":null,"atm_fee":null,"perks":[],"notes":"RESOLVED (2026-07-23): the 3-way conflict (/us/cards '3.5%'; Sept-2025 help center 'up to 5%' capped $1,250/mo; 2026-07-21 screenshot flat '2%' capped $25/mo) is now settled by a 4th source — a dated (19 June 2026) official Crypto.com article, 'Prepaid Card - Rewards & Benefits,' found directly by the site owner. Its 'Spending Reward Rate After Year 1 (1 Jan 2026 onwards)' column — the current applicable rate — states Plus (formerly Ruby) at 2%, matching the 2026-07-21 screenshot exactly and superseding the two older, pre-2026 sources. cashback_pct set to 2.0, monthly_reward_cap_usd set to 25 (trusting the screenshot's cap since it's the source that pairs correctly with this now-confirmed percentage). $4.99/mo subscription (or $500 12-month CRO stake) to unlock — the one figure every source has always agreed on. Formerly named 'Ruby Steel'/'Ruby.' CORRECTED (2026-08-02): unlock cost is either/or, but the data modelled BOTH the $4.99/mo subscription and the $500 stake, so the engine was charging a $6.25/mo staking haircut on top of the subscription and understating this tier. staking_required_usd set to 0 and the subscription kept, since $4.99/mo is the cheaper of the two paths a user would actually pick. The $500 12-month CRO stake alternative is still real — it's just not the cheaper route, so it isn't what the engine models. A 2026-07-23 aggregator search separately turned up yet a 5th figure ('2% back in CRO,' no cap stated) that happens to match on the percentage — treated as further corroboration, not a new conflict."},{"name":"Pro","cashback_pct":3,"cashback_bands":null,"monthly_reward_cap_usd":75,"annual_fee_usd":0,"monthly_fee_usd":29.99,"issuance_fee_usd":0,"staking_required_usd":0,"unlockable_by_spend":false,"fx_fee_pct":null,"atm_fee":null,"perks":["Spotify/Netflix rebate up to $13.99/mo in CRO (Level Up participants)","airport lounge access (self + 1 guest)"],"notes":"RESOLVED (2026-07-23): same resolution path as Plus tier. The dated (19 June 2026) official article's current-rate column states Pro (formerly Jade/Indigo) at 3%, matching the 2026-07-21 screenshot exactly and superseding /us/cards ('up to 6%') and the Sept-2025 help center ('up to 5%' capped $2,500/mo). cashback_pct set to 3.0, monthly_reward_cap_usd set to 75 (from the screenshot, now corroborated by the matching percentage). $29.99/mo (or $5,000 12-month CRO stake) to unlock. Formerly named 'Jade Green'/'Royal Indigo.' CORRECTED (2026-08-02): monthly_fee_usd and staking_required_usd were both null, so the engine charged NOTHING to unlock this tier and ranked it at a full 3.00% / $30/mo — materially overstating it. The $29.99/mo subscription was documented in this very note but never entered as data. monthly_fee_usd set to 29.99 (cheaper than the $5,000 stake alternative, which would cost $62.50/mo in haircut), staking_required_usd set to 0 to avoid double-charging an either/or. Pro now computes to roughly break-even at $1,000/mo spend, which is the honest answer: a $29.99/mo subscription for 3% capped at $75/mo only pays for itself well above $1,000/mo in spend."},{"name":"Private ($50,000 CRO stake)","cashback_pct":4,"cashback_bands":null,"monthly_reward_cap_usd":null,"annual_fee_usd":0,"monthly_fee_usd":null,"issuance_fee_usd":0,"staking_required_usd":50000,"unlockable_by_spend":false,"fx_fee_pct":null,"atm_fee":null,"perks":["Spotify/Netflix rebate up to $13.99/mo in CRO (Level Up participants)","airport lounge access (self + 1 guest)"],"notes":"RESOLVED (2026-07-23), and RESTRUCTURED: 'Private' is genuinely two separate tiers by CRO stake, not one — confirmed by the same dated (19 June 2026) official article, which lists 'Private - US$50,000 (previously Icy/Rose)' as its own row at 4% (current, 2026-onwards rate), distinct from the $500,000 tier below. This matches the 2026-07-21 screenshot's split exactly and resolves the open question that screenshot had raised ('worth re-examining whether Private should actually be split back into two tiers') — yes, it should, and now is. Supersedes /us/cards ('up to 6%') and the Sept-2025 help center ('up to 5%,' uncapped, not stake-split). Uncapped monthly reward — the one figure every source has agreed on throughout. Formerly named 'Icy White'/'Frosted Rose Gold.'"},{"name":"Private ($500,000 CRO stake)","cashback_pct":5,"cashback_bands":null,"monthly_reward_cap_usd":null,"annual_fee_usd":0,"monthly_fee_usd":null,"issuance_fee_usd":0,"staking_required_usd":500000,"unlockable_by_spend":false,"fx_fee_pct":null,"atm_fee":null,"perks":["Spotify/Netflix rebate up to $13.99/mo in CRO (Level Up participants)","airport lounge access (self + 1 guest)"],"notes":"RESOLVED (2026-07-23) — see the $50,000-stake Private tier's notes for the full resolution story; this is its counterpart. The same dated official article lists 'Private - US$500,000 (previously Obsidian)' at 5% (current, 2026-onwards rate), matching the 2026-07-21 screenshot exactly. Formerly named 'Obsidian.'"}],"referral":{"our_code":null,"our_url":null,"referee_benefit":null,"referrer_benefit":null,"program_status":"open","verified_date":"2026-07-21","notes":"Affiliate program via Impact.com (crypto.com/en/affiliate) explicitly names 'Card opening' ($10–$1,000) as a payout event — confirmed to cover the Card. ~1 week approval, no website required. Site owner hasn't applied yet. Full program research: data/programs.md."},"sources":[{"field":"tier names, legacy naming, staking/subscription cost, cashback (older figures)","url":"https://crypto.com/us/cards","accessed":"2026-07-12"},{"field":"current tier names, cashback (Sept 2025 figures), perks","url":"https://help.crypto.com/en/articles/2742447-crypto-com-prepaid-card-rewards-benefits","accessed":"2026-07-12"},{"field":"third conflicting cashback/cap figures ('Compare Card Tiers' page, legacy tier names)","url":"site owner's screenshot, exact URL not captured (no public URL recorded)","accessed":"2026-07-21"},{"field":"4th non-matching aggregator figure checked and dismissed — doesn't resolve the 3-way conflict","url":"third-party aggregator reviews, not crypto.com's own pages","accessed":"2026-07-23"},{"field":"Plus/Pro/Private cashback % resolved (2%/3%/4%/5%), Private confirmed as 2 stake-split tiers — dated official article, converges with the 2026-07-21 screenshot","url":"site owner's own copy of Crypto.com's 'Prepaid Card - Rewards & Benefits' help article, dated 19 June 2026 (no public URL captured)","accessed":"2026-07-23"}],"last_verified":"2026-07-23","verified":false},{"id":"coinbase-card","name":"Coinbase One Card","issuer":"Coinbase","network":"amex","type":"credit","custody":"custodial","regions":["us"],"funding":[],"reward_token":"BTC","reward_token_volatile":true,"tiers":[{"name":"Standard","cashback_pct":4,"cashback_bands":null,"monthly_reward_cap_usd":10000,"annual_fee_usd":49.99,"monthly_fee_usd":0,"issuance_fee_usd":0,"staking_required_usd":null,"unlockable_by_spend":false,"fx_fee_pct":0,"atm_fee":"$0 from Coinbase; cash advances (the way to get cash from a credit card) cost $10 or 5% of the amount, whichever is greater; third-party ATM operators may separately charge their own fee","perks":["unlimited 5% Bitcoin back on flights/hotels/car rentals via Coinbase One Card Travel, doesn't count toward the $10,000/mo cap"],"notes":"RESOLVED (2026-07-23): the 'MAJOR LEAD' flagged earlier the same day is confirmed — this is a genuinely distinct product from a legacy Visa debit 'Coinbase Card' (help.coinbase.com's own Coinbase One Card articles cross-reference 'the debit card' as a separate article every time). This row now models the credit card specifically, renamed accordingly. Confirmed directly from help.coinbase.com (the site owner's own copy, not aggregator sources this time): network is American Express ('runs on the Amex network, though it won't appear in your Amex account'); requires an active Coinbase One membership, 'starting with the $49.99 annual plan and up' — annual_fee_usd modeled as that $49.99 minimum (Coinbase One can also be billed monthly instead of annually; not stacked, so monthly_fee_usd stays 0). US only, excluding US territories — regions corrected from ['us','eu'] to ['us'] alone; the previous 'eu' entry likely described the separate, un-modeled debit product. FX fee resolved to 0 — the official fee article lists cash advance, late payment, returned payment, card replacement, and ATM fees exhaustively, with no FX/foreign-transaction line item; absence from a complete official fee list is treated as confirmed $0, same reasoning applied elsewhere on this site. No separate issuance fee ('no separate fee for simply holding the card'). Cashback is 'based on the amount of assets held on Coinbase' — a real tiered structure, not a flat rate, but the exact holding thresholds for reaching the 4% ceiling aren't published anywhere found — cashback_pct kept at 4.0 as the confirmed ceiling, same modeling choice used for other holdings-tiered cards on this site. monthly_reward_cap_usd resolved to $10,000/mo on standard purchases; a separate uncapped 5% category exists for travel booked through Coinbase One Card Travel specifically (see perks). Approval includes a soft credit check (doesn't affect score); a hard check only runs if you accept the offer. Applicants who don't qualify for the unsecured card may be offered a secured alternative funded by a $200-$5,000 USDC deposit instead — not modeled as a separate tier, but worth knowing if declined for the standard version."}],"referral":{"our_code":null,"our_url":null,"referee_benefit":null,"referrer_benefit":null,"program_status":"open","verified_date":"2026-07-21","notes":"General Affiliate Program exists via Impact.com (coinbase.com/affiliates) but describes commission purely in trading-fee terms (50% of trading fees, first 3 months) — never mentions the Card. Unclear if Card signups earn anything. Site owner hasn't applied yet. Full program research: data/programs.md."},"sources":[{"field":"reward rate, product framing","url":"https://www.coinbase.com/card","accessed":"2026-07-12"},{"field":"fees (ATM, FX), rewards terms","url":"https://www.coinbase.com/legal/creditcard/rewards","accessed":"2026-07-12"},{"field":"product split confirmed (Coinbase One Card = Amex credit, distinct from the legacy Visa debit Coinbase Card), full fee schedule, reward structure, regions, membership requirement","url":"site owner's own copy of help.coinbase.com's Coinbase One Card article set (no public URL captured)","accessed":"2026-07-23"}],"last_verified":"2026-07-23","verified":true},{"id":"brighty","name":"Brighty Card","issuer":"Brighty","network":"mastercard","type":"debit","custody":"custodial","regions":["eu"],"funding":["USDC","USDT","EUR","BTC","ETH"],"reward_token":"USDC","reward_token_volatile":false,"tiers":[{"name":"Base (all plans)","cashback_pct":null,"cashback_bands":null,"monthly_reward_cap_usd":null,"annual_fee_usd":null,"monthly_fee_usd":null,"issuance_fee_usd":null,"staking_required_usd":null,"unlockable_by_spend":true,"fx_fee_pct":null,"atm_fee":null,"perks":[],"notes":"Brighty's own cashback Terms & Conditions (brighty.app/en/cashback-terms) explicitly state rates are NOT fixed: 'Cashback rates vary by merchant, category, country, and promotional period. The rate applicable to each transaction is displayed in the Brighty app.' cashback_pct is genuinely not a publishable fixed number for this card. For rough context only (NOT verified against Brighty's own site): third-party press (fintechmagazine.com, citing what reads like a Brighty announcement) describes a base ~0.5% with boosted categories up to ~1.75% after hitting monthly spend milestones (~$30/$50/$80). Brighty's older marketing (in this project's stale 2026-07-07 research snapshot) claimed 'up to 8%' — that figure could not be corroborated anywhere in this pass and is likely outdated; do not use it. Plan names/tiers (One/Plus/Pro mentioned by third parties) and their fees were NOT found on brighty.app's own pages fetched — needs an app-login or help.brighty.app pass to confirm."}],"referral":{"our_code":null,"our_url":null,"referee_benefit":null,"referrer_benefit":"€40 flat once a referred card transaction totals €39.99+, confirmed directly from the Impact.com campaign's payout table.","program_status":"open","verified_date":"2026-07-21","notes":"Site owner APPLIED 2026-07-21 via Impact.com (app.impact.com/campaign-promo-signup/Razz-Finanzz-AG.brand) — awaiting approval. Can't personally test the app or card (not available in Australia); review will need to rely on public docs, not hands-on use. Full program research: data/programs.md."},"sources":[{"field":"cashback rates are dynamic/non-fixed (confirmed absence of a fixed rate)","url":"https://brighty.app/en/cashback-terms","accessed":"2026-07-12"},{"field":"funding assets, network, general product framing","url":"https://brighty.app/en","accessed":"2026-07-12"}],"last_verified":"2026-07-12","verified":false},{"id":"metamask-card","name":"MetaMask Card","issuer":"MetaMask (Consensys)","network":"mastercard","type":"debit","custody":"self-custody","regions":["us"],"funding":[],"reward_token":"mUSD","reward_token_volatile":false,"tiers":[{"name":"Virtual","cashback_pct":1,"cashback_bands":null,"monthly_reward_cap_usd":null,"annual_fee_usd":0,"monthly_fee_usd":0,"issuance_fee_usd":0,"staking_required_usd":null,"unlockable_by_spend":false,"fx_fee_pct":null,"atm_fee":"2%; $1,000/day withdrawal limit","perks":[],"notes":"1% mUSD cashback, $15,000/day spend limit — confirmed directly on metamask.io/card and independently corroborated by a domain-wide search."},{"name":"Metal","cashback_pct":3,"cashback_bands":[{"up_to_monthly_spend":10000,"pct":3},{"up_to_monthly_spend":null,"pct":1}],"band_period":"annual","monthly_reward_cap_usd":null,"annual_fee_usd":199,"monthly_fee_usd":null,"issuance_fee_usd":null,"staking_required_usd":null,"unlockable_by_spend":false,"fx_fee_pct":0,"atm_fee":"free up to $1,200/mo, then 2%; $5,000/day withdrawal limit","perks":["no foreign transaction fees","higher daily spend limit ($30,000/day)"],"notes":"3% mUSD cashback on the FIRST $10,000 spent per YEAR (band_period: \"annual\", so up_to_monthly_spend is read as an annual threshold for this tier), then 1% after. $199/year membership fee. Confirmed directly on metamask.io/card and corroborated independently."}],"referral":{"our_code":null,"our_url":null,"referee_benefit":null,"referrer_benefit":null,"program_status":"closed","verified_date":"2026-07-21","notes":"CONFIRMED (2026-07-21): no affiliate/publisher program exists at all — checked metamask.io, support.metamask.io, and Consensys's site exhaustively. 'closed' is the closest available status value; more accurately there has never been one. Separately: new US/UK Card signups are also paused as of this date. Full program research: data/programs.md."},"sources":[{"field":"tier names, cashback %, spend limits, fees","url":"https://metamask.io/card","accessed":"2026-07-12"},{"field":"token conversion fee detail, corroboration","url":"https://support.metamask.io/manage-crypto/metamask-card/card-faq/","accessed":"2026-07-12"}],"last_verified":"2026-07-12","verified":true},{"id":"nexo","name":"Nexo Card","issuer":"Nexo","network":null,"type":"credit","custody":"custodial","regions":["eu","uk"],"funding":[],"reward_token":"NEXO or BTC (cardholder's choice)","reward_token_volatile":true,"tiers":[{"name":"Base","cashback_pct":0.5,"cashback_bands":null,"monthly_reward_cap_usd":null,"annual_fee_usd":0,"monthly_fee_usd":0,"issuance_fee_usd":null,"staking_required_usd":5000,"unlockable_by_spend":false,"fx_fee_pct":0.2,"atm_fee":"free up to €200/£180 per month, then 2% (min €1.99/£1.99)","perks":[],"notes":"0.5% in NEXO tokens OR 0.1% in BTC, cardholder's choice — cashback_pct reflects the NEXO-denominated rate; BTC alternative is lower. Requires an account balance ≥$5,000 in digital assets (7-day grace period if it dips below) to access Loyalty Program perks at all. Cashback applies to Credit Mode purchases only, not Debit Mode. FX fee shown is the weekday EEA/UK/CH rate (0.2%); rest-of-world is 2%, and both rise on weekends (0.7% / 2.5%). No NEXO-token holding threshold beyond the $5,000 total-portfolio minimum for this base tier."},{"name":"Silver","cashback_pct":0.7,"cashback_bands":null,"monthly_reward_cap_usd":null,"annual_fee_usd":0,"monthly_fee_usd":0,"issuance_fee_usd":null,"staking_required_usd":5000,"unlockable_by_spend":false,"fx_fee_pct":0.2,"atm_fee":"free up to €400/£360 per month, then 2% (min €1.99/£1.99)","perks":[],"notes":"0.7% in NEXO tokens OR 0.2% in BTC. Requires ≥1% of total portfolio held in NEXO tokens (plus the $5,000 minimum)."},{"name":"Gold","cashback_pct":1,"cashback_bands":null,"monthly_reward_cap_usd":null,"annual_fee_usd":0,"monthly_fee_usd":0,"issuance_fee_usd":0,"staking_required_usd":5000,"unlockable_by_spend":false,"fx_fee_pct":0.2,"atm_fee":"free up to €1,000/£900 per month, then 2% (min €1.99/£1.99)","perks":["free physical card shipping"],"notes":"1% in NEXO tokens OR 0.3% in BTC. Requires ≥5% of total portfolio held in NEXO tokens (plus the $5,000 minimum)."},{"name":"Platinum","cashback_pct":2,"cashback_bands":null,"monthly_reward_cap_usd":null,"annual_fee_usd":0,"monthly_fee_usd":0,"issuance_fee_usd":0,"staking_required_usd":5000,"unlockable_by_spend":false,"fx_fee_pct":0.2,"atm_fee":"free up to €2,000/£1,800 per month, then 2% (min €1.99/£1.99)","perks":["free physical card shipping"],"notes":"2% in NEXO tokens OR 0.5% in BTC. Requires ≥10% of total portfolio held in NEXO tokens (plus the $5,000 minimum). staking_required_usd is left at the flat $5,000 base-eligibility threshold since the tier gate is a PERCENTAGE of portfolio, not a fixed dollar amount — the real dollar cost of reaching Platinum scales with the cardholder's total balance."}],"referral":{"our_code":null,"our_url":null,"referee_benefit":null,"referrer_benefit":null,"program_status":"open","verified_date":"2026-07-21","notes":"Affiliate program via Impact.com (nexo.com/affiliate) explicitly pays a flat $20 after 3 Nexo Card purchases — confirmed to cover the Card. Very fast approval (hours). Site owner hasn't applied yet. Full program research: data/programs.md."},"sources":[{"field":"loyalty tiers, cashback rates, ATM allowances, FX fees","url":"https://nexo.com/crypto-card","accessed":"2026-07-12"},{"field":"loyalty tier eligibility mechanics","url":"https://nexo.com/loyalty","accessed":"2026-07-12"}],"last_verified":"2026-07-12","verified":true}]}