The Web3 payment card market is rapidly evolving, with innovative products like OKX Pay, Bybit Card, Infini Card, and Solayer Emerald Card entering the scene. These crypto-powered payment solutions are redefining how users spend digital assets in everyday life—offering seamless conversions, attractive rewards, and enhanced financial freedom. In this guide, we explore the most popular Web3 payment cards, their core functionalities, unique benefits, and how they’re shaping the future of decentralized finance (DeFi) integration.
Whether you're a seasoned crypto user or just stepping into the ecosystem, understanding these tools can help you maximize utility, earn passive income, and enjoy real-world spending power.
Why Web3 Payment Cards Matter
Web3 payment cards bridge the gap between blockchain assets and traditional commerce. By enabling instant conversion of cryptocurrencies like Bitcoin (BTC) and Ethereum (ETH) into fiat at the point of sale, they eliminate technical barriers for merchants while simplifying usage for consumers. No more managing private keys or navigating exchanges—just tap, pay, and earn.
Many of these cards also offer rewards programs, staking yields, and even DeFi integrations, turning routine spending into an opportunity for financial growth. As adoption grows, expect deeper integration with social features, cross-chain interoperability, and advanced security protocols.
👉 Discover how next-gen crypto payments can boost your daily spending power
OKX Pay: Non-Custodial Meets Compliance
Launched on April 28, OKX Pay marks a major step forward in combining non-custodial control with regulatory compliance. Built directly into the OKX app after 8–9 months of internal development, it currently supports peer-to-peer stablecoin transfers with plans to launch a physical OKX Card in partnership with Mastercard.
Key Features:
- Supports USDT and USDC initially, with plans to expand.
- Offers 5% yield on stablecoins during a limited-time promotion.
- Integrates messaging and gifting features for social payments.
- Uses private key sharding: half stored in user’s Passkey, half with OKX—enabling secure, non-custodial access without self-management.
This hybrid model lowers entry barriers for new users who want the safety of custody without sacrificing decentralization. With built-in KYC, AML checks, and multisig protection, OKX Pay aims to deliver a smooth Web2-like experience in a Web3 environment.
Future updates will include broader chain support and deeper DeFi protocol integrations, positioning OKX Pay as a comprehensive gateway for everyday crypto spending.
Bybit Card: High-Yield Spending for Global Users
The Bybit Card, powered by Mastercard, allows users to spend crypto instantly across over 90 million merchants worldwide. Available as both virtual and physical cards, it's accessible to users in EEA, Switzerland, Australia, Brazil, Argentina, and AIFC regions.
Highlights:
- Supports BTC, ETH, USDT, USDC, BNB, and more.
- 0.9% crypto conversion fee + 1% FX fee (based on Mastercard rates).
- No annual fees.
- Earn 2–10% cashback based on VIP tier via reward points.
- Enable “Auto-Earn” to get up to 8% APY on card balance—automatically.
Bybit Card stands out for its high-yield earning potential directly from daily spending. The integration with Bybit’s trading ecosystem means users can spend profits immediately without manual withdrawals.
EMV 3D Secure technology ensures robust fraud protection during online transactions.
👉 See how you can earn while you spend with cutting-edge crypto cards
Crypto.com Visa Card: Tiered Rewards & Lifestyle Perks
One of the longest-standing players in the space, the Crypto.com Visa Card, offers a tiered rewards system based on CRO staking commitments. While the base Midnight Blue card requires no CRO lockup, higher-tier cards (Ruby Steel, Jade Green, etc.) require long-term CRO staking.
Reward Structure:
- 1–5% cashback in CRO, paid instantly after each qualifying transaction.
- Higher tiers unlock premium perks: free Spotify/Netflix subscriptions (valid for first 6 months), airport lounge access, and concierge services.
Cost Considerations:
- $4.99 one-time fee for Midnight Blue card.
- 3% foreign exchange fee on non-USD transactions.
- ATM withdrawals beyond monthly limit: 2% fee.
Despite some costs, the consistent CRO rewards make this card appealing for loyal Crypto.com users seeking lifestyle benefits alongside crypto spending.
Infini Card: Low-Cost Virtual Cards for Subscriptions & Daily Use
Infini Card offers transparent, low-fee virtual cards under two main variants:
Infini Lite (Meow)
- Mastercard network
- Ideal for platforms like Uber, WeChat, Alipay
- $9.9 activation fee; no recurring fees
Infini Tech (Rabbit)
- Visa network
- Designed for tech subscriptions (X, ChatGPT, OpenAI tools)
- Fixed 1% + $0.50 fee per non-USD transaction (minimum $0.01)
Both cards charge a flat 0.8% service fee per transaction and allow account balances to earn yield automatically. Upcoming Infini Global (Woof) will support Apple Pay/Google Pay and physical card options.
With no monthly or annual fees and strong support for developer-focused spending, Infini fills a niche for cost-conscious tech users.
Morph Black & Platinum Cards: Exclusive Access & High-Yield DeFi Vaults
Morph targets different user segments through two NFT-gated cards:
Morph Black Card
- Invitation-only or whitelist access
- Requires NFT minting
- Up to 30% APY via exclusive DeFi vaults
- Low 0.3% conversion fee
- Supports $1M USDT withdrawals
Morph Platinum Card
- More accessible than Black Card
- Also requires NFT minting
- Earns base DeFi yields
These cards emphasize exclusivity and high returns within the Morph ecosystem, including future token airdrops and event access.
Solayer Emerald Card: Decentralized Spending with Real-World Utility
The Solayer Emerald Card, compatible with Visa and supporting Apple Pay/Google Pay, enables users to spend USDC globally while earning chain-based rewards.
Unique Advantages:
- Deposit USDC for immediate use or convert to sUSD—a Treasury-backed stablecoin offering 4–5% APY
- Instant mint/redeem (no lock-up)
- Non-custodial design
- Built on InfiniSVM, a hardware-accelerated Solana Virtual Machine for high-speed execution
Currently available to 40,000 early adopters via community sale or airdrop. Activation fees range from free (community sale) to $75 (pre-order). Users can bypass waitlists by spending $1,000.
Solayer’s creative marketing—linking “emerald” to historical jade symbolism—has helped drive viral attention.
SafePal Mastercard: Multi-Currency Support & Low Fees
Partnering with Swiss Web3 bank Fiat24, SafePal Mastercard supports direct deposits via USDC on Arbitrum and integrates with Alipay and WeChat Pay.
Key Benefits:
- No issuance, management, or annual fees
- Supports USD, RMB, EUR, CHF accounts
- Avoid 1% FX fees by using local currency accounts
- Recharge fee: 0.6–1%
- Monthly transaction limit: $100K in China region
Ideal for users in Asia who want seamless cross-border spending with minimal friction.
Coinbase Card & MetaMask Metal Card: What’s Next?
The Coinbase Card, available to U.S. residents (excluding Hawaii), supports multiple cryptos including BTC, ETH, DOGE, and ALGO. It converts crypto to USD at checkout with a 2.49% fee—unless paying with USDC.
Rewards follow a rotating monthly structure (e.g., up to 14% on Cosmos), encouraging exploration across assets.
Meanwhile, the upcoming MetaMask Metal Card, developed with CompoSecure and Baanx, will allow direct spending from self-custodied wallets on the Linea network—processing transactions via smart contracts in under 5 seconds. Launching Q2 2025 globally.
Frequently Asked Questions (FAQ)
Q: Are Web3 payment cards safe to use?
A: Yes—most reputable cards use EMV chip technology, 3D Secure authentication, KYC verification, and multi-signature security to protect funds.
Q: Can I use these cards anywhere?
A: Cards linked to Visa or Mastercard networks work at over 80 million merchants globally—online and offline.
Q: Do I need to pay taxes when using crypto payment cards?
A: In most jurisdictions, converting crypto for purchases is a taxable event. Always consult local tax regulations.
Q: Which card offers the highest cashback?
A: Bybit Card offers up to 10% cashback via points (based on VIP level), while Crypto.com provides up to 5% in CRO rewards.
Q: Are there any truly non-custodial options?
A: Yes—Solayer Emerald Card and the upcoming MetaMask Metal Card allow full wallet control without pre-funding through centralized platforms.
Q: Can I earn interest on my balance?
A: Several cards—including Bybit Card (“Auto-Earn”), Infini Card (auto-yield), and Solayer (via sUSD)—offer passive income on idle balances.