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debit Card•Referral Bonus•
Offramp Spend Card
by Offramp Labs
Offramp Spend Card is a self-custodial, secured Visa card. Instead of selling crypto to load a balance, users pledge stablecoins (USDC/USDT) into a vault to unlock spending power, keeping their assets on-chain.
Referral Bonus
Random reward up to $20
OFFRAMP SPEND CARD
Offramp Labs
Cashback
Variable
Annual Fee
Free
FX Fee
None
Staking
None
N/A
Max Cashback
$0
Annual Fee
0
Premium Perks
Available Regions
Unique Features
- Collateralized spending model
- Yield on idle collateral (via partner integrations)
- Self-custodial wallet integration
- Stablecoin funding
Pros
- Self-custodial: Assets stay on-chain until settlement
- Multi-chain: Supports Solana, Base, and World Chain
- No monthly or annual fees
- Virtual + physical cards
- Apple & Google Pay support
Cons
- High physical card shipping fee (~$70)
- Requires managing collateral health to avoid liquidation
- No cashback rewards
- Foreign and ATM fees apply
- Issuance cost varies by location
Integrations & Tech
iOS App
Android App
Debit Mode
IBAN Support
Credit Mode
AvailableExcludedUnknown
Available In (112)
AlgeriaAngolaAnguillaAntigua and BarbudaArgentinaArmenia
Virtual Card
Available
Instant digital issuance.
Physical Card
Available
MaterialPlastic
IssuanceFree
ShippingFree
Replacement$70
Fee Structure
Annual FeeFree
Monthly FeeNone
FX FeeNone
Issuance FeeFree
Shipping FeeFree
Replacement Fee$70
Inactivity FeeNone
Crypto ConversionFree
Credit CheckNot Required
Top-Up FeeFree
ATM Capabilities
ATM Fee (Domestic)N/A
ATM Fee (Intl)N/A
Fee After Limit2%
Detailed Fee Structure
FX Fee$0.30 + 1%
Component 1$0.30
Component 21%
Detailed Limits
Spending LimitsDynamic
Dynamic based on collateral value, liquidation if LTV drops
Fee Details
Virtual card is free ($0.20 subsequent). Physical shipping is ~$70. Foreign transaction fees are marketed at 1.5%, though official terms list them as "up to 1% + $0.30" plus a potential cross-border surcharge.
Limits & Conditions
There are no fixed daily spending limits; instead, your limit is dynamic, scaling up or down instantly based on the real-time market value of the collateral in your wallet. Liquidation events occur if collateral value drops below required LTV.
Crypto Capabilities
Security & Custody
Custody ModelNon-Custodial
Wallet TypeSmart Contract
InfrastructureRain Cards / Third National
Supported Assets
Chains
Ethereum
Arbitrum
Optimism
Polygon
Base
BNB Chain
Avalanche
Solana
Mode
World Chain
Tokens
USDC
USDT
Yield on Collateral
On-chain History
Governance Rights
Credit Scoring
Lifestyle Benefits
No specific perks listed for this card.
Rewards Program DetailsNo traditional cashback program on spend; the value proposition is 'yield on collateral' instead. You can utilize partner integrations to earn yield on your unspent collateral (e.g., via US Treasury-backed products)
Referral Bonus
Random reward up to $20
