The crypto payment card market is rapidly expanding, with new products like OKX Pay, Infini Card, and Solayer Emerald Card joining established offerings such as Bybit Card, Crypto.com Visa Card, and Coinbase Card. These cards bridge the gap between cryptocurrencies and everyday spending by converting digital assets to fiat instantly. Below, we analyze the key features, rewards, and benefits of leading Web3 payment solutions.
Key Players and Their Offerings
1. OKX Pay
Launch Date: April 28, 2024
Highlights:
- Non-custodial stablecoin payments (USDT/USDC) with 5% yield (limited-time offer).
- Future integration with OKX Card (Mastercard partnership).
- Social features: In-app messaging and crypto gifting.
- Compliance: KYC/AML and multisig security.
Unique Feature: Private key sharding—50% stored via user Passkey, 50% by OKX.
👉 Explore OKX Pay’s seamless Web3 payments
2. Bybit Card (Mastercard)
Availability: EEA, Switzerland, Australia, Brazil, Argentina.
Rewards:
- 2–10% cashback (VIP-tiered).
- 8% APR via "Auto-Invest" feature.
Fees: - 1% forex, 0.9% crypto conversion.
Supported Assets: BTC, ETH, USDT, BNB, etc.
Pro Tip: Use for online subscriptions to maximize cashback.
3. Crypto.com Visa Card
Tiers: Midnight Blue (no staking) to Obsidian (high CRO stakes).
Perks:
- 1–5% CRO cashback.
- Spotify/Netflix rebates (time-limited).
Fees: 3% non-USD transactions, $2 ATM over-limit fee.
Best for: Long-term CRO holders seeking premium benefits.
4. Infini Card (Visa/Mastercard)
Options:
- Lite Card: Low-fee virtual card (Uber/Alipay).
- Tech Card: Optimized for USD subscriptions (ChatGPT/X).
Fees: 0.8% per transaction, 9.9$ activation.
Upcoming: Global Card (Apple/Google Pay support).
5. Solayer Emerald Card (Visa)
USP:
- Earn 4–5% APY on sUSD (Treasury-backed stablecoin).
- Apple/Google Pay compatible.
Activation: $10 (Genesis users) to $75 (pre-order).
Marketing Edge: Leveraged historical翡翠 (jade) trends for hype.
👉 Discover Solayer’s decentralized finance integration
Comparison Table
| Feature | OKX Pay | Bybit Card | Crypto.com Card | Infini Card |
|-----------------------|---------|------------|-----------------|-------------|
| Custodial | No | Yes | Yes | Yes |
| Cashback | N/A | 2–10% | 1–5% CRO | N/A |
| Annual Fee | Free | Free | Free | Free |
| Stablecoin Yield | 5% | 8% | N/A | Variable |
FAQ
Q1: Which card has the highest cashback?
A: Bybit Card (up to 10%) and Crypto.com Card (up to 5% CRO).
Q2: Are there cards without KYC?
A: Most require KYC; OKX Pay offers non-custodial options with partial key control.
Q3: Can I use these cards for online subscriptions?
A: Yes—Infini Tech Card and SafePal Card specialize in this.
Q4: Which card supports Apple Pay?
A: Solayer Emerald Card and upcoming Infini Global Card.
Future Trends
- MetaMask Card: Launching Q2 2024, supports direct Linea network payments.
- DeFi Integration: Morph Black Card offers 30% APY via exclusive DeFi vaults.
Final Tip: Align card choice with your spending habits (e.g., travel, subscriptions) to optimize rewards.