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Bleap

A self-custody Mastercard that pays cashback in USDC. No yearly fee.

  • Terms checked 30 Jun 2026
  • Mastercard
  • Debit
  • Self-custody
  • Apple Pay and Google Pay
  • No FX fee abroad
  • Cashback in stablecoins
  • Free plan
  • Earn on your balance
a month in
Count Bleap's category bonuses

Part of your monthly spend. Leave blank if none.

a month
a month
a month
a month

Not offered to people in the US. Pick another country above to see what it pays there.

Not available in the US

Pick a plan

  • Highest at this spend

    Standard

    Free, 1% on everything

    • 20% back on ChatGPT, Claude and Gemini, with small monthly limits per app
    • 20% back on Netflix, Prime Video, YouTube Premium and Disney+, with small monthly limits per app
    • 3% back on Uber and Bolt rides, first €500 a month
    • 3% back on food delivery like Uber Eats, Deliveroo and Just Eat, first €500 a month

    $20.00 a month, 1.0%

What you keep as spend grows

0%1%$1k$2.5k$5k$7.5k$10kAdvertised: up to 1%1% at $2,000

Hover the line to see other amounts.

Effective rate after fees in the US, on the plan that pays most at each spend. Where the line turns down, a monthly cap has been reached.
Show as a table
Monthly spendWhat you keepPlan
$2501%Standard
$5001%Standard
$7501%Standard
$1,0001%Standard
$1,5001%Standard
$2,0001%Standard
$2,5001%Standard
$3,0001%Standard
$4,0001%Standard
$5,0001%Standard
$6,0001%Standard
$7,5001%Standard
$10,0001%Standard

Every fee

Yearly fee
None
FX fee
0%, no FX markup, no weekend surcharge
Conversion fee
0% on spend (settled from your stablecoin balance)
Topping up
Free 1:1 for stablecoin deposits; in-app fiat on-ramp ~0.3% + gas
ATM withdrawals
Free up to €400/mo, then ~1.8% local (~4.8% intl) · max 3 withdrawals/30 days
Card issue
$0 (virtual & physical)
Monthly fee
$0

Our own test

We're buying things with crypto cards in AUD, USD, EUR and GBP from October and comparing what each card takes with the mid-market rate. What this card actually charges will show here and in our Q4 report.

Where these numbers come from

Bleap's published terms, checked 30 June 2026. Where sources disagree we use the less generous reading.

Our research notes

CATEGORY BONUSES verified 2026-09-28 from official sources; see docs/research/cards/bonuses.md. Researched and verified 2026-06-30 against bleap.finance (card/cashback, fees, terms, help center), The Block, Angle, and multiple reviews. Mastercard debit, self-custodial (Portal MPC, ERC-4337 smart wallet on Arbitrum; on/off-ramp and bridging across Ethereum, Polygon, BNB, Solana, Bitcoin). Issued by Unlimit EU Ltd (Mastercard scheme member, Central Bank of Cyprus EMI); Bleap Finance is programme manager. Cashback was UPGRADED: the old flat 2% ($10/mo cap) was retired in favor of category rates (1% base €3,000/mo cap, 2% restaurants/supermarkets €1,000/mo, 3% rides + 3% delivery €500/mo each, 20% subscriptions with tiny per-merchant caps), all paid in USDC, modeled here as a 1% base since real effective rate is ~1–2%. Stablecoin deposits are free 1:1; the ~0.3% fee applies only to the in-app fiat on-ramp. Google Pay AND Apple Pay confirmed. Idle vaults pay 3.65% (Steady) / 3.83% (Dynamic) AER. No confirmed new-user (referee) benefit: the old '+$5 cap raise per invite' mechanic is moot since the cap it boosted was removed; referral appears referrer-oriented. Token confirmed coming, TGE delayed to ~early 2027; no points program yet. Backers: Ethereal Ventures (Joe Lubin) + Blossom Capital, ex-Revolut founders.

What changed on this card

  • 31 May 20262% at restaurants and supermarkets endedThe promotional 2% cashback at restaurants and supermarkets ran from 12 Feb to 31 May 2026, and those purchases now earn the standard 1%.Bleap cashback terms and conditionsOffer ended

What's good and what to watch

Good

  • Unusually fee-light: 0% FX, €0 issuance/monthly, free ATM to €400/mo
  • Self-custodial via Portal MPC: spend from your own wallet, no seed phrase
  • Cashback paid automatically in USDC, no points, vouchers, or vesting
  • Idle balance earns up to 3.83% AER, plus fee-free in-app crypto trading
  • Native token confirmed coming (TGE ~2027), possible early-user airdrop upside

Watch

  • "Up to 20%" is marketing; real effective rate is ~1–2%; the 20% tiers cap at a few euros/month each
  • Europe + Mexico/LATAM only; US excluded, APAC not yet live
  • Stablecoins only, can't hold volatile assets to spend
  • Token not live yet (TGE ~2027) and no points program, so airdrop upside is unconfirmed

At a glance

Network
Mastercard
Custody
self-custodial
Card type
debit
Form
Physical & virtual
Mobile wallets
✓ Apple Pay✓ Google Pay
Chains
ArbitrumEthereumPolygonBNB Smart ChainSolanaBitcoin
Tokens
USDCUSDTUSDAEURA
Availability
EEA + Switzerland (~33 countries), Mexico, LATAM (rolling out)
KYC
Required (EU AML / MiCA; government ID)
Extra rewards
Unconfirmed token plans (not in the rate)
Funding
Crypto / stablecoin top-up (multi-chain)In-app on-ramp
Spending limit
€10,000/txn · €15,000/day · €30,000/mo
ATM limit
€400/mo free, then ~1.8% local (~4.8% intl) · 3 withdrawals/30 days

Perks and benefits

  • Idle-balance yield
    Idle USD earns 3.65% (Steady) or 3.83% (Dynamic) AER via in-app savings vaults
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General information only. These figures are calculated from the spend you enter and the card terms we've collected. We haven't considered your objectives, financial situation or needs, and this isn't a recommendation. Consider whether a card suits you and read the provider's terms before applying. Figures are estimates; terms change; crypto is volatile.

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