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OKX Card

by OKX · Mastercard · Debit card · Issuer terms last read Sep 28, 2026

The cheapest card here to run: no issuance, monthly, annual or inactivity fee, no FX markup in or outside the euro, and a 0.1% spread on the stablecoin conversion. The rewards are where it thins out — 2% for a standard account is capped at €10 a month, so it pays in full on only €500 of spending. VIP accounts get 4% to 5% with far higher caps, which is who this card is really built for.

What works

  • No issuance, monthly, annual or inactivity fee
  • No FX fee on non-euro purchases; only a 0.1% conversion spread
  • Cashback paid instantly in crypto, with no staking or lock-up
  • Regulated issuance inside the EEA

What does not

  • Standard cashback is capped at €10 a month
  • Cashback is only earned on USDG purchases
  • Virtual card only at present
  • EEA only

Who it suits

EEA spenders who want a genuinely zero-fee stablecoin card, and OKX VIPs who can reach the higher cashback tiers.

Terms in full

Quoted from the issuer's own pages. Rows the issuer does not publish are marked as such rather than guessed.

Network
Mastercard
Card type
Virtual card spending stablecoins, converted to euros at payment
Reward
From 1 March 2026: non-VIP 2% capped at €10 a month; VIP 1 4% capped at €300; VIP 2 4.5% capped at €450; VIP 3+ 5% capped at €1,000
Reward asset
USDG, credited to your OKX Pay account
Requirement
The card must be funded with USDG to earn cashback
Annual fee
No issuance, monthly, annual or inactivity fee
Foreign exchange
No transaction or FX fee; 0.1% market spread on conversion
ATM
Not published
Availability
European Economic Area
Custody
Custodial

If this one does not fit

Bitpanda Card

1% on eligible crypto spending

MetaMask Card

1% virtual, 3% metal

Questions about this card

Sources