The wallet stays yours, the paperwork does not exist

Updated October 2026

Licensed

Available in US

Fast payouts

18+ Only

Karma is a Visa payment card attached to a non-custodial crypto wallet. The pitch is unusually clean for this category: no subscription, no monthly charge, no metal tier to buy your way into, and a stated position that you hold your own keys and that the provider cannot freeze, seize or move your funds. That last part is the real reason to look at it. Most cards in this category hold your balance for you, and “non-custodial” is a word on a marketing page rather than a property of the product. Here it appears to be structural.

And yet. My score for Karma is 6.4 out of 10. Not because the concept is wrong, but because the public record is thin in exactly the places where you would need it. The card’s own terms describe a credit line with a 0% APR, a late-payment fee of up to $40 and a returned-payment fee of up to $29 — language that does not sit comfortably next to “your card is loaded with USDC”. KYC is not stated. Spending limits are not stated. Whether you get a physical card, a virtual one, or both is not stated. Apple Pay and Google Pay are not stated. A third-party site claims all three of those are absent, and claims unlimited daily and monthly spending, which directly contradicts the official pages. If you are the kind of person who wants the wallet under their own control and accepts that they must test the small print themselves, that combination is coherent. If you want a card whose limits, fees and support hours are written down before you commit a dollar, this is not yet that card.

Conditions are current as of October 28, 2026.

Who the card suits, and who it does not

Let me be concrete about who I would and would not point at this product.

Suits you if you already hold crypto in a self-custody wallet and want a Visa number that spends from it without converting your whole balance into someone else’s account. You are comfortable sending a stablecoin transfer to a specific network and accepting that a wrong network may be unrecoverable. You read fee tables before you sign up for anything. You are based somewhere the card actually issues and you are not relying on it for cash.

Does not suit you if you need a bank card in the ordinary sense: no credit line you can trust the documentation about, no cash advances, no confirmed daily or monthly ceiling in the official material, no named support hours, and no published answer on whether the wallet wallets plug into your phone’s tap-to-pay. It also does not suit you if you live in or hold registration in one of the seventeen countries where issuance is closed, or if you are a US citizen — the card terms make you confirm on neither count.

The single audience this card is built for, in my reading, is the self-custody user who wants to keep their keys and wants a Visa acceptance surface on top. Karma scores 8/10 on who can get it, because the exclusion list is explicit and long rather than vague, and 8/10 on cost, because there is no subscription and the transaction fee is a single visible percentage. It scores 3/10 on everyday use, and that is where the product’s promise and its documentation come apart.

That total of 6.4 out of 10 is my read of the whole picture, not a rounding of one part. The strong columns are real and they are why the card is worth a look. The weak one is the one you touch every time you try to pay for something.

Will they give you the card

Yes, in most places — with one long, explicit exclusion list, and one category that needs a human to look at your case.

Issuance is blocked for residents or registrants of: Belarus, mainland China, Cuba, India, Iran, Iraq, Israel, Myanmar, Nepal, Nicaragua, North Korea, Russia, Syria, Turkey, Ukraine, Venezuela, Vietnam. This rule relies on residence and registration, not citizenship. If you live and register elsewhere, the literal wording does not exclude you, though the issuer’s screening may still have something to say. If you live or register in any of these countries, the answer is no.

Countries on the FATF grey list are not banned outright; they are approved case by case, which in practice means a slower, human review of your application and a higher chance of a refusal with no stated reason. That is a normal thing for a regulated issuer to do, but it does mean your timeline is not in your control.

Spending is separately restricted. Cards will not work in Cuba, Iran, North Korea, Russia, Syria, Ukraine or Venezuela — a different, shorter list than the issuance list. So there are countries where you could hold an account but not spend, and I could not find a stated reason for the asymmetry.

Two things the card’s public pages do not say at all, and I want to be honest about the fact that they are absent rather than hidden in a footnote. First, the KYC level: the card terms describe no KYC process at all, and only require you to confirm that you are not a US citizen and not sanctioned. Second, the identity check itself. An unofficial third-party site, not confirmed by Karma and carrying no date, describes “ID Verification (Lv 3)” requiring email, phone and an identity document but no proof of address and no selfie. I am labelling that unofficial because it is. A page about “Karma Card by Karma Wallet” on a Visa, Solana and SEPA-focused site is very probably the same product, but “very probably” is doing real work in that sentence, and the page shows no date. Treat the absence of a published KYC standard as its own finding: you cannot tell how much documentation you will be asked for before you start.

How to get it

The card is a Visa. Karma’s terms say it plainly: cards are issued by Third National pursuant to a licence from Visa, and the App Store listing claims acceptance at 80M+ merchants. The developer is Karma Fintech LTD, selling as Karma Pay.

What I could not establish: whether you receive a physical card, a virtual card, or both, and what currency the card account is denominated in. Neither is stated. The card terms gesture at “physical or virtual cards” and say access “may be limited”, and mention that replacements can be requested through your account, possibly with new card numbers — but there are no countries, no delivery time and no cost. That is a real gap: whether a card arrives in the post is not a detail, it is the difference between usable this week and usable in a fortnight, and the card does not tell you.

On the practical sequence: download the app, create the wallet, fund it, and the card follows from funding in most models of this kind. The exact order is not documented. You can expect to be asked to confirm you are not a US citizen and not subject to sanctions, and — based on the unofficial source above — probably to supply an identity document.

If you want to know how to activate it or where the card can be used, the honest answer is that activation steps are not published either. The App Store entry mentions iOS 15.1 or later, version 2.0.2, and a Google Play listing exists under xyz.karmapay.app whose rating I could not read. That matters: with an App Store score of 5.0 out of 5 from six ratings, you are looking at six people’s opinion, not a track record.

Fees: what it really costs

No subscription, no signup fee, no monthly charge — that part of the pitch holds up. The transaction-level costs are disclosed and, at 0.5% per card transaction, they sit in the normal range for this category. What is missing is the shape around them: no published schedule on the pages I read, no stated card currency, and no numbers for limits.

Three everyday payments, priced out from those numbers:

A $20 coffee in your own country. 0.5% service fee, $0.10. If your card balance is USDC and the coffee is priced in dollars, there is nothing else to pay. This is the clean case, and it is genuinely cheap for a crypto-funded card.

A €40 dinner in Berlin. 0.5% on $40 is $0.20. If the charge settles in euros, the card network converts it to US dollars, then 1% FX plus $0.30 international applies. Call it $0.20 + roughly $0.40 + $0.30, so around $0.90 on a $44 charge — about 2%. There is no Karma markup on the FX rate itself, which is the right way to do it, but you are paying twice: once to convert currency and once to load.

A $12 subscription paid from crypto you bought a year ago. Same 0.5%, about six cents. But see the tax section at the bottom of this page: that payment is likely a disposal, and the cost that matters is not the six cents.

Two claims from an unofficial third-party site contradict the official material, and you should know both sides. That site says ATM withdrawals are free and “unlimited” on a virtual Visa card; the card’s own material says cash advances and balance transfers are not available. The same site says daily and monthly spending are “unlimited”; the card says Karma sets your spending limit, the issuer may add per-card or total limits, and you can change yours at any time — including down to $0 — but publishes no figures. Where a source contradicts the issuer, believe the issuer.

One genuinely good thing on cost: the App Store listing says Karma covers all on-chain transaction costs for USDC transfers on Solana. Network fees for your own deposit are normally charged by the blockchain, not the card company, so this is a real saving rather than a rounding error — small in absolute terms, but it removes a surprise.

There is also a token tier system, which is optional but worth knowing. Holding $KARMA rebates part of the swap fee and discounts or waives the card service fee:

Note what is not here: there are no card-product tiers, no metal, no premium. The card is the card.

Top up: moving money in

You are not topping up a prepaid account. You are funding a wallet you control, and the card spends from that wallet.

USD, EUR or GBP arriving into your account is converted to crypto by Bridge and deposited to your wallet. The card references USDC on Solana, and that is the only network and asset the material names for card loading; which coins you can top up with beyond that is not stated. The App Store entry describes the card as loaded with USDC.

Alongside the card, the on-ramp costs are disclosed:

• Fiat on-ramp: 1%, with the caveat “additional fees may apply”
• SEPA transfer: $1.45
• ACH transfer: $0.95
• EUR, GBP and MXN conversion: mid-market rate plus 0.50%
• “High-risk payments”: an extra fee capped at 5% of the deposit
• Network gas is sponsored by Karma on default routes
• No monthly or signup fees
• Minimum top-up: not stated

That 5% cap is the number to look at twice. While “high-risk” isn’t explicitly defined, it typically covers payments from newly opened accounts or unusual regions. Depositing from these corridors can increase the cost to five times the headline rate.

Sending crypto directly is a different path with a different risk profile. Blockchain transfers are irreversible. If you send on a network the provider does not support, or to an address belonging to a different network, the funds can be lost or need manual support recovery, with no guarantee. And a caution that applies to every stablecoin: they are not censorship-proof. Tether states that it disables tokens in wallets on the OFAC sanctions list and has frozen funds tied to illicit activity. Circle stopped supporting USDC on Tron in February 2024, so “USDC over TRC20” is not a native option — one of the most common support answers you’ll see online simply does not apply. Circle does list USDC as natively supported on 38 networks as of 16 September 2026, including Solana, Ethereum, Base and Polygon PoS.

Getting money back out: withdrawals convert to fiat and settle to your bank account, with a 0.5% off-ramp fee, and the App Store says you can withdraw to a bank or an external wallet at any time. Here is the sentence I keep returning to, because it should govern how you think about everything above: the issuer may suspend or cancel access at any time. If you are the kind of person who keeps a working balance on a card, hold the rest in the wallet.

Paying with it every day

This is the weakest part of the product, and the weakness is mostly silence.

Apple Pay and Google Pay: not stated. The card’s own material does not mention either. An unofficial third-party site, undated and unconfirmed, says neither is supported. If tap-to-pay on your phone is how you would actually use the card, this is the first thing to ask Karma before you rely on it — because if it is true, you are paying online or in person by handing over a plastic card.

Cash: not available. Cash advances and balance transfers are not available, full stop. No ATM, no bank counter. If you need physical money, this card cannot be the answer. That single fact removes a large slice of everyday utility, and it is also the cleanest example of why the “unlimited ATM” claim floating around online should be disbelieved.

Merchant categories: restricted. Prohibited purchases include digital currency purchases except via Karma, cannabis and CBD, the dark web, unlicensed pharmacies, firearms, escort services, payday lending, multi-level marketing and Ponzi schemes, counterfeit goods, and “illegal gambling operations or unregulated betting platforms”. Regulated gambling and fantasy sports are treated separately, while crypto platforms, exchanges and money-service businesses trigger enhanced review. That last category is worth understanding rather than skimming: paying a crypto exchange directly from a card funded by crypto is exactly the kind of transaction that gets flagged. Merchant category codes — the four-digit classifiers defined in ISO 18245, of which 7995 covers gambling — are often blocked by issuer policy rather than by law, and the blocked list differs per issuer.

Rewards: described but unpriced. App Store version 1.1 notes “Reward tiers with cashback on fees”, Karma Points earned on card spend, and “pending cashback tracking”. No rates. The $KARMA tiers reduce fees rather than paying cash, which is a different and more predictable kind of benefit.

Disputes: a defined path. Try the merchant first. If that fails, report the chargeback in your Karma account no more than 60 days after the charge posts. Won chargebacks are credited to a current or future statement. Unresolved ones can lead to fees, lower limits or suspension — that last part is worth knowing, because disputing carelessly has a cost.

Two structural behaviours sit underneath all of this. Address Verification Service, which compares the numeric parts of your billing address with issuer records, is mainly offered in the US, Canada and UK and is generally unavailable for foreign-issued cards, which can cause declines at checkout. And a declined authorisation can leave a hold on your funds for several days, typically up to seven. Neither is Karma-specific, but both bite harder on a card issued across a border than on a domestic one.

What can go wrong

The terms describe a different product. This is the most important risk on the page and it is not a small-print nitpick. The card terms are written as a credit line: 0% APR, late payment up to $40, returned payment up to $29, and a repayment obligation that survives closure. That does not match a card loaded with USDC. Either the credit language is boilerplate that does not apply to you, or the card carries credit features the “loaded with USDC” description does not convey. Nobody in the public material reconciles the two. Ask, in writing, before you treat this as settled — and keep the answer.

No published limits. Karma sets your spending limit and the issuer may add per-card or total limits, changeable at any time including to $0. That is a reasonable design and an uncomfortable absence of numbers. Anyone relying on this card for a subscription they cannot afford to have cancelled should assume there is an undocumented ceiling.

No insurance, stated plainly. Karma does not provide FDIC insurance and tells you not to expect it. Funds in an electronic money arrangement are safeguarded differently from bank deposits and are not covered by a deposit guarantee scheme. Do not read “your keys are yours” as “your money is insured” — they are different claims.

Audits are under NDA. The security posture is genuinely better than average: non-custodial by design, “you control your wallet and your keys”, Karma says it cannot freeze, seize or move your funds, passkeys and biometrics for sensitive actions, extra confirmation for higher-risk actions, in-app freeze and unfreeze subject to the issuer, and velocity limits. But you cannot verify any of it from outside, and the audits that would let you verify it are not public. That is a reasonable trade-off for a self-custody product and still a trade-off.

The self-custody trade-off runs the other way too. Holding your own keys means nobody can recover a lost seed phrase. A seed phrase is typically 12 to 24 words and is an unencrypted form of your private key; anyone who obtains it can restore the wallet and spend the funds. Transfers are typically irreversible and a stolen key has no built-in recovery path. The relevant industry record is not reassuring: Mt. Gox reported about US$350 million stolen between 2011 and 2014, Coincheck about US$400 million in 2018, and the Ronin Network US$625 million in 2022 — the counterparty risk that custodial cards carry, which you have traded away here.

Support is thin. No support channels or hours are stated on the site or in the App Store listing. There is an X account, @KarmaWallet. For a product whose main selling point is that your funds are yours, being your own support is arguably consistent; for a product where a deposit went to the wrong network, it is a hard experience.

Reputation: unproven rather than good. I found no Karma-specific Reddit, Trustpilot or news complaints — the searches returned reviews of other products. No Trustpilot or Reddit page for Karma Pay exists that I could locate. With an App Store score of 5.0 from 6 ratings, the honest summary is that there is not yet a public track record in either direction. Silence is not endorsement.

Company structure is partly opaque. Karma Fintech LTD is the App Store seller and says plainly that it is not a bank, exchange or custodian. The programme runs on Rain. Cards come from Third National under a Visa licence. The registration country is not stated. Supervision comes from Karma ICM Association, a Swiss non-profit overseeing the protocol and treasury. The token, $KARMA, is live on Robinhood Chain, with v1 holders able to migrate to v2; the App Store records v2.0.0 with stock tokens on 17 September (year not shown) and v1.1 on 12 March, which added Karma Points and reward tiers. I found no licence news and no issuer-change news, which is neutral-to-good.

The category has a closure history. Visa terminated its global agreements with FTX on 13 November 2022, and the FTX US debit card was wound down by its issuer. WaveCrest, a Visa issuer that supplied crypto card brands, was suspended by Visa in Europe in 2018, closing every WaveCrest-issued Visa programme. Closures typically run in a predictable order — a notice period, then loading and spending stop, then you’re asked to withdraw what remains. One 2026 closure was reported by a secondary source with new loads ending 8 July 2026 and spending stopping 8 August 2026; that is a single unconfirmed source, but the pattern it describes is well attested. Visa and Mastercard do not issue crypto cards to consumers themselves — they license issuers and can suspend a programme. Always keep a balance you could walk away with.

If you are in the EU, two regimes apply. A crypto card often depends on two licences: MiCA covers the crypto side, while the card itself is a payment service under separate e-money and payment-services law. MiCA, Regulation (EU) 2023/1114, took legal effect in June 2023; its token rules applied from 30 June 2024 and the remaining provisions, including crypto-asset service provider rules, from 30 December 2024. Under Article 48, e-money tokens may be issued only by a credit institution or an electronic money institution. Transitional providers have until 1 July 2026 or until they are authorised or refused, whichever comes first — so if your provider is in that window, that is a live question. ESMA keeps an interim register of authorised CASPs, white papers and non-compliant entities, and that register is worth checking your provider against.

Taxes apply to your spending. The IRS treats digital assets as property, so exchanging them for goods, services or dollars generally produces a taxable gain or loss, measured in local fiat currency at fair market value on the date of the transaction. Each card payment funded from crypto can be a separate disposal. In the UK the equivalent logic applies to capital disposals. I am not giving you tax advice and you should not treat this paragraph as advice — but you should know that the most expensive line item on a $20 coffee may be the gain on the USDC you sold to buy it. For some readers this alone is a reason to fund the card from fiat rather than crypto.

What to take instead

All four cards below are scored from the same criteria, so the comparison is like-for-like on my scale. The important difference is where the information lives.

MetaMask is the strongest of the four on paper, at 7.1/10, and the reason is disclosure rather than features. Sign-up is open in 45 listed countries and territories — Andorra, Argentina, Brazil, Canada, Mexico, Germany, France, Spain, Uruguay among them — with proof of residency required and other regions on a waitlist. It issues a virtual Mastercard instantly, with a metal card pre-orderable in the app after approval, through Monovate and Crypto Life. Cashback is 1% on Virtual, or 3% on Metal up to the first $10,000 spent and 1% after that, paid in mUSD, plus a $FLY bonus via the Blackbird dining app. The catch is the price of the metal tier and the closed sign-ups in the US and UK.

KAST is the one to look at if you want a card whose numbers are all published and you are willing to pay for the tier. Three programmes — Standard at $0, Premium at $1,000 a year, Private at $10,000 a year, billed annually upfront with no monthly option — with up to 10 cards each, Visa Infinite metal on Premium and gold-plated on Private. Stablecoin top-up 0%, USD card spend 0%, transaction fee 0%, Apple and Google Pay 0%. FX runs 0.5% to 1.75% depending on your country and the transaction country, with $0.10 on non-USD transactions under $25 and $0.50 for a decline on insufficient balance. Cashback is 1.5% on the first $2,000 a month, 2% on the first $10,000, or 3% on the first $40,000. Its eligibility rule is the sharpest of the four: you can hold an ID from a restricted region and be ineligible even while living in a supported country, and a VPN does not bypass it.

Zeal is the quiet one. Spend in 150+ countries, a Visa card, a virtual card addable to Apple Pay, accounts in EUR, USD and GBP under Gnosis Pay, live in the EU, UK, Brazil, Colombia, Mexico, Japan, Singapore, Philippines, Indonesia and Thailand. No added FX fee — you get Visa’s wholesale rate. Up to 4% cashback paid in GNO, which you must hold in the card Safe to qualify, and rates can change. The App Store also advertises up to 5% variable APY on EUR and USD balances. The reason I cannot recommend it more firmly is simple: no fee schedule is published on zeal.app or the App Store, and physical-card availability is not stated.

If your priority is keeping your own keys, none of the other three is the same product and you should read them as compromises on that axis rather than equivalents. If your priority is knowing exactly what you pay, KAST and MetaMask tell you and Karma mostly does not.

Who I would recommend it to

I would recommend Karma to a specific person, and I would tell everyone else to wait for the terms to be reconciled.

The person I have in mind already runs a self-custodial wallet as a matter of course, spends in dollars or holds dollars most of the time, pays online rather than by phone, does not need cash, lives outside the seventeen excluded countries and is not a US citizen. They have read that card terms are written as a credit line and have, ideally, got a written answer about why. They treat the spending limit as something to discover rather than something published, keep a modest balance on it, and understand that no deposit insurance exists and no audit is public. For that person, 0.5% per transaction with no subscription is a fair price for a Visa number attached to a wallet nobody can freeze, and the absence of a metal tier is a feature rather than an oversight.

For everyone else the blockers are concrete, and I would list them in the order I would raise them with Karma:

• Is the physical or virtual card issued, in which currency, and where does it ship?
• Are Apple Pay and Google Pay supported?
• What are the daily and monthly limits, and who sets them?
• What identity documents are required, and at what level?
• Why do the card terms describe a credit line with 0% APR, a $40 late fee and a $29 returned-payment fee, and does any of that apply to me?
• What are the support channels and hours?
• Which coins and networks can load the card?

None of those questions is unreasonable, and the fact that I cannot answer them from the card’s own pages is the review. A 6.4 out of 10 on a genuinely promising product is not a verdict of no. It is a verdict of not yet.

Frequently asked questions

What is the Karma card?

Karma is a Visa payment card that spends from a non-custodial crypto wallet you control. Cards are issued by Third National under a Visa licence, and the app is run by Karma Fintech LTD, which says it is not a bank, exchange or custodian. Your keys stay with you, so Karma says it cannot freeze, seize or move your funds. The card is loaded with USDC, with Solana referenced as the network.

Is Karma a bank, and who owns it?

No — Karma says so itself, and that matters for how you read the rest. It is a fintech company, Karma Fintech LTD, with cards issued by a licensed third party under a Visa licence and the programme running on Rain. A Swiss non-profit, Karma ICM Association, oversees the protocol and treasury. Because it is not a bank, there is no deposit insurance and no FDIC coverage of any kind.

Who can get the Karma card?

Issuance is closed to residents and registrants of seventeen countries: Belarus, mainland China, Cuba, India, Iran, Iraq, Israel, Myanmar, Nepal, Nicaragua, North Korea, Russia, Syria, Turkey, Ukraine, Venezuela and Vietnam. FATF grey-list countries are considered case by case. You must also confirm you are not a US citizen and are not sanctioned. Spending is separately blocked in Cuba, Iran, North Korea, Russia, Syria, Ukraine and Venezuela.

Does the Karma card require KYC?

The card’s public pages do not say. The card terms describe no KYC process and require only confirmation that you are not a US citizen and not sanctioned. An undated third-party site describes an identity check needing email, phone and an identity document but no proof of address and no selfie — unofficial and unconfirmed by Karma. Assume you will need an identity document, and assume you cannot plan the level in advance.

What does the Karma card cost to open and keep?

There is no signup fee, no monthly subscription and no hidden payments — that part of the claim holds up on the published material. The running costs are a 0.5% service fee per card transaction, a 1% FX fee on non-USD charges plus a $0.30 international fee, 1% to convert fiat in, 0.5% to convert back out, and 0.5% on swaps. There are no metal or premium card tiers.

How do I top up the Karma card?

You fund the wallet rather than a prepaid balance. USD, EUR or GBP sent to your account is converted to crypto by Bridge and deposited to your wallet; USDC on Solana is the network and asset referenced for card loading, and other coins are not disclosed. On-ramp costs are 1% with “additional fees may apply”, $1.45 for SEPA, $0.95 for ACH, mid-market plus 0.50% for EUR, GBP and MXN conversion, and up to 5% on “high-risk payments”. Gas is sponsored on default routes.

Can I use the Karma card in Apple Pay or Google Pay?

Unknown, and this is the gap I would raise first. Neither the card’s material nor the App Store listing mentions Apple Pay or Google Pay at all. An undated third-party site states both are unsupported — unofficial and unconfirmed. If tap-to-pay on your phone is how you would use the card, ask Karma directly before relying on it, because if true you will be paying with a physical card only.

Is the Karma card safe, and can I use ATMs?

The self-custody design is the strongest thing here: you hold the keys, with passkeys and biometrics, in-app freeze and velocity limits. But there is no deposit insurance, audits are only under NDA, and crypto transfers are irreversible with no recovery path for a wrong network or a compromised key. On cash: cash advances and balance transfers are not available, so no ATM. Claims of free unlimited ATM withdrawals circulating online contradict the card’s own terms.

Why do the card terms talk about credit, APR and late fees?

That is the inconsistency I would not wave through. The terms describe a credit line: 0% APR, late payment up to $40, returned payment up to $29, and repayment obligations that survive closure. That sits badly with a card “loaded with USDC” and no credit advance available. It may be leftover boilerplate, but nothing public reconciles it. Get a written answer from Karma before you decide which version describes your card.

Is the Karma card worth it, and where are the limits?

For a self-custody user paying mostly online in dollars, the 0.5% fee and no subscription make it worth a look. What is missing is the published detail: daily and monthly limits are not stated, though Karma sets the limit and the issuer may add its own and you can change yours at any time. Unverified third-party claims of “unlimited” spending directly contradict the card. For anyone who needs a bank-like card, cash, or documented limits, the answer is no.

Where can I use the Karma card, and what is blocked?

The card is a Visa accepted at merchants worldwide, according to the App Store listing, with spending blocked in Cuba, Iran, North Korea, Russia, Syria, Ukraine and Venezuela. Prohibited merchant categories include digital currency purchases except via Karma, cannabis and CBD, the dark web, unlicensed pharmacies, firearms, escort services, payday lending, multi-level marketing, counterfeit goods and illegal gambling. Crypto exchanges trigger enhanced review.

Do I pay tax when I spend from the Karma card?

Probably, in most systems, and the amount can dwarf the 0.5% fee. The IRS treats digital assets as property, so each payment funded from crypto can be a taxable disposal measured at fair market value on the date. The UK applies its own capital-disposal rules. I am not giving tax advice — but if you are US or UK based, price the tax on a small transaction before you decide this card is cheap.

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