RedotPay Card
A custodial Visa card that pays cashback in USDs credit. 2 plans, from free to $129 a year. Not offered in the US. Every purchase costs 1% to convert your crypto, plus 1.2% outside US dollars.
Short answer: At $2,000 a month in the EU, RedotPay Card costs $42.75 a month more than it pays back, after fees and FX. It advertises up to 3% cashback. We haven’t tested it with our own purchases yet.
Terms checked How we work it out
- Visa
- Prepaid
- Custodial
- Apple Pay and Google Pay
- Cashback in stablecoins
- Earn on your balance
- Borrow against crypto
Custodial: the company behind this card holds your crypto, not you. We leave custodial cards out of our rankings. See every custodial card
In US dollars. FX on EUR spending is included.
−$42.75 a month
Advertised up to 3% , real cashback rate −2.1%, on the Pro plan
$18.00 cashback$10.75 card fees$50.00 FX and other fees
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Pick a plan
RedotPay Card has two plans: Standard and Pro.
- Standard costs $10 once and pays no cashback.
- Pro costs $129 a year and pays 3% on the first $600 a month, then nothing.
Standard (Virtual / Physical / Solana)
$10 one-time, no cashback
−$50.83 a month, −2.5%
- Pays the most
Pro
$129 a year, 3% on the first $600, then nothing, up to $18 a month back
−$42.75 a month, −2.1%
What you keep as spend grows
Hover the line to see other amounts.
Show as a table
| Monthly spend | What you keep | Plan |
|---|---|---|
| $250 | −2.83% | Standard (Virtual / Physical / Solana) |
| $500 | −1.65% | Pro |
| $750 | −1.53% | Pro |
| $1,000 | −1.77% | Pro |
| $1,500 | −2.02% | Pro |
| $2,000 | −2.14% | Pro |
| $2,500 | −2.21% | Pro |
| $3,000 | −2.26% | Pro |
| $4,000 | −2.32% | Pro |
| $5,000 | −2.35% | Pro |
| $6,000 | −2.38% | Pro |
| $7,500 | −2.4% | Pro |
| $10,000 | −2.43% | Pro |
Every fee
Standard costs $10 one-time and Pro $129 a year. Every purchase, in any currency, costs 1% to convert your crypto. Outside US dollars, spending costs 2.5%, Visa’s exchange rate included.
- Yearly fee
- $129
- FX fee
- 1.2% non-USD (on top of 1% conversion = ~2.2% on non-USD spend)
- Conversion fee
- 1% crypto-to-fiat conversion on all purchases (incl. USD); select-merchant surcharge 1.5% (min $0.50) on gaming/ads/social, first 3/mo waived; $0.20 small-txn fee after 5th txn/mo; $0.50 declined-txn fee after 3rd decline/mo
- Topping up
- On-chain crypto deposit free (0%, user pays gas); Binance Pay 1% (one source says free); credit/debit card or PayPal 3% (min $1)
- ATM withdrawals
- Physical card only; 2% up to $10,000/mo then 3%, + 1.2% if the currency isn't your card's default. $3,750/day and $50,000/mo, max 3 withdrawals/day and 30/month
- Card issue
- Virtual $10; Physical $100 (free worldwide shipping); Solana Edition $10
- Monthly fee
- $0 (standard); Pro membership $12.90/month or $129/year (annual also waives the $100 physical-card fee, waives RedotPay ATM fees on the first $1,000/mo and adds +1% Earn APY)
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
RedotPay Card's published terms, checked . Where sources disagree, we go with the less generous reading.
What's good and what to watch
Good
- Free standard tier with no monthly fee; free on-chain crypto top-up (0%)
- Visa, virtual + physical + Solana Edition, 100+ countries
- Apple Pay and Google Pay supported
- Very high spend limits ($100k/txn, $1M/day)
- Fast KYC (2–10 min via Sumsub)
Watch
- Standard cards earn ZERO cashback; only the paid Pro tier ($129/yr) earns rewards
- Pro 3% cashback applies ONLY to Apple/Google Pay spend and is capped at 18 USDs/mo (~$600 of spend), so the $129/yr fee eats most of it
- Cashback is paid as 'Reward USDs': in-app credit that only offsets card purchases, can't be withdrawn or transferred, and EXPIRES after 30 days
- Custodial: RedotPay holds your crypto via Fireblocks
- 1% conversion fee on ALL spend incl. USD; ~2.2% total on non-USD purchases
- US is excluded (citizenship-based); ATM is physical-card only with high, conflicting fees
- Card/debit top-ups and PayPal cost 3%
Borrow against your crypto (credit)Credit Account
Pledge crypto (BTC, ETH, SOL, XRP, BNB and more) as collateral for a spendable USD credit line, then spend on the card without selling; ~0.05%/day (~18% APR), with LTV varying by asset.
It's a loan: rates vary, and your collateral can be liquidated if prices fall.
At a glance
- Network
- Visa
- Custody
- custodial
- Card type
- prepaid
- Form
- Physical & virtual
- Mobile wallets
- ✓ Apple Pay✓ Google Pay
- Chains
- EthereumBNB ChainTronPolygonArbitrumBaseSolanaSonicTONBitcoin
- Tokens
- USDTUSDCRLUSDBTCETHBNBSOLTONTRXXRPSUIBCHLTC
- Availability
- 100+ countries
- Not offered in
- Indonesia, Singapore and Turkey
- KYC
- Mandatory for all users (provider: Sumsub; gov photo ID + liveness scan)
- Extra rewards
- Unconfirmed token plans (not in the rate) · Points program
- Funding
- On-chain crypto depositBinance PayInternal RedotPay transferTelegram Mini-App (USDT on TON)Credit/debit cardPayPal
- Spending limit
- $100,000 per transaction; $1,000,000 per day
- ATM limit
- Physical card only; $3,750/day · $50,000/mo · 3 withdrawals/day · 30/month (some countries $3,000/day · $10,000/mo)
Perks and benefits
- Idle-balance yieldOptional RedotPay Earn on USDC/USDT (rate variable and not officially published; region-limited), separate from the card balance
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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.
Affiliate link: we may earn a commission if you sign up.