Cypher Card Review
A non-custodial crypto Visa card available globally, with an instant free virtual card and optional metal physical card. It supports 500+ tokens across 25+ blockchains and features low top-up fees and high spending limits for both free and premium plans.
Cypher Standard Plan
Cypher25+ blockchains
Available in
Fee Structure
Monthly
0
Transaction
0.5%
FX Fee
1%
Issuance
$50 (Physical)
Supported Currency
USD
Network
25+ blockchains
The Good
- Non-custodial card – spend directly from your own crypto wallet
- Supports 500+ tokens across dozens of chains for top-up (very versatile)
- Instant virtual card issuance with Apple Pay and Google Pay support
- High default spending limits compared to most crypto cards
The Bad
- Foreign exchange and top-up fees apply on the free tier
- No cashback or reward program on spending
- ATM withdrawals incur a relatively high fee (3%)
- Physical card not included free (requires fee if needed)
Cypher Premium Plan ($199/year)
Cypher25+ blockchains
Available in
Fee Structure
Monthly
$199/year
Transaction
0%
FX Fee
0%
Issuance
0
Supported Currency
USD
Network
25+ blockchains
The Good
- Includes a free metal Visa card with premium membership
- No FX fees and no USDC load fees for cost-efficient spending
- Even higher spending limits for large transactions
- Added perks like fraud protection coverage up to $300
The Bad
- High annual cost ($199) which may outweigh benefits for low-volume users
- ATM withdrawals still incur a fee (2%) despite premium status
- No cashback or rewards program (despite being a paid tier)
Cypher Card Review
The Cypher Card is a non-custodial crypto Visa card...