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Bleap

by Bleap Finance (Mastercard; issued by Unlimit EU Ltd) · Updated 2026-06-30

Get my Bleap Card
Marketed: 1.0%Your effective cashback: 1.0% ($50/mo) at $5,000/mo on the Standard plan
Cashback earned on your spend
$5,000 spent × 1.0%
1.0% on all spend (no cap)
$50/mo
Gross cashback per month
sum of the bands above, before fees
$50/mo
Annual cashback
$50/mo × 12 months
$600/yr
No fees on this plan
$0
Net cashback after fees
annual cashback minus all fees
$600/yr
Effective cashback rate
net ÷ your annual spend (1.0%)
1.0%

Based on your monthly spend — edit it on the home page.

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
Airdrop upcoming
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

Pros

  • 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

Cons

  • "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 — airdrop upside is unconfirmed

Cashback plans

Fees

FX markup
0% — no FX markup, no weekend surcharge
ATM
Free up to €400/mo, then ~1.8% local (~4.8% intl) · max 3 withdrawals/30 days
Spending (crypto→USD)
0% on spend (settled from your stablecoin balance)
Funding / top-up
Free 1:1 for stablecoin deposits; in-app fiat on-ramp ~0.3% + gas
Issuance
$0 (virtual & physical)
Monthly
$0

Perks & benefits

Get my Bleap Card

Use code to support us — at no cost to you. Some cards also reward you with points or a card discount for adding a referral code.

We may earn a commission if you sign up through our links — it never affects our rankings or the cashback math.

Sources & how we verify this

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.

Card terms are researched and illustrative — always confirm the latest with the issuer. Nothing here is financial advice.

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