Bleap
A self-custody Mastercard that pays cashback in USDC. No yearly fee. Not offered in the US. No FX fee on euros. Other currencies cost 1%.
Short answer: At $2,000 a month in the EU, Bleap pays back $20.00 a month after fees and FX. That’s a real cashback rate of 1.0%, the full 1% it advertises. We haven’t tested it with our own purchases yet.
Terms checked How we work it out
- Mastercard
- Debit
- Apple Pay and Google Pay
- Cashback in stablecoins
- Self-custody
- Free plan
- Earn on your balance
In US dollars. FX on EUR spending is included.
Count Bleap's category bonuses
Part of your monthly spend. Leave blank if none.
$20.00 a month
Advertised up to 1% , real cashback rate 1.0%, on the Standard plan
$20.00 cashback$0.00 card fees$0.00 FX and other fees
Affiliate link: we may earn a commission if you sign up.
Pick a plan
- Pays the most
Standard
Free, 1% on the first $3,421, then nothing
- 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
Hover the line to see other amounts.
Show as a table
| Monthly spend | What you keep | Plan |
|---|---|---|
| $250 | 1% | Standard |
| $500 | 1% | Standard |
| $750 | 1% | Standard |
| $1,000 | 1% | Standard |
| $1,500 | 1% | Standard |
| $2,000 | 1% | Standard |
| $2,500 | 1% | Standard |
| $3,000 | 1% | Standard |
| $4,000 | 0.86% | Standard |
| $5,000 | 0.68% | Standard |
| $6,000 | 0.57% | Standard |
| $7,500 | 0.46% | Standard |
| $10,000 | 0.34% | Standard |
Every fee
There’s no yearly or monthly fee. Outside euros, spending costs 1.3%, Mastercard’s exchange rate included.
- 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; no processing fee on SEPA bank transfers, though a small spread applies when buying; network fees apply
- ATM withdrawals
- No Bleap fee (the ATM operator may charge one); up to €400 and 3 withdrawals in any 30 days, physical card only
- Card issue
- $0 (virtual). Bleap's help center says the physical card is only available through its referral program, once a friend you refer verifies their ID and makes 3 card payments of €10 or more
- Monthly fee
- $0
Our own test
We're testing crypto cards with a week of everyday spending each from October and comparing what each card takes with the 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 . Where sources disagree, we go with the less generous reading.
- Bleap cashback terms and conditionsTerms
- Bleap cardholder terms (EEA)Terms
- Bleap help center: fee scheduleFee schedule
- Bleap help center: cashback limitsHelp center
- Bleap help center: card limitsHelp center
- Bleap help center: getting a physical cardHelp center
- Bleap cashback pageOfficial site
- Bleap help center: Am I eligible for Card? (3 Jul 2026)Official site
What changed on this card
- 2% 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, no issuance or monthly fee, and no Bleap fee on ATM withdrawals (up to €400 in any 30 days, physical card only)
- 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 can earn interest in in-app savings vaults, 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
- The card is only for people in the EEA and Switzerland; Bleap's app is expanding to Latin America, but the card isn't yet
- 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)
- 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 · 3 withdrawals in any 30 days (physical card only)
Perks and benefits
- Idle-balance yieldIdle balances can earn interest in in-app savings vaults (Bleap's home page says up to 8% AER, its FAQ up to 4% on US dollars); rates vary
Compare it and read more
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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, and crypto is volatile.
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