Name: Amp Pay Black Card Crypto Card
Brand: Amp Pay Black Card
Availability: InStock

Take it?Costs Asks for Limits Where it works Flaws How we checked Alternatives

Ledger

Amp Pay Black Card

VisaVirtual and plasticSince 2025

Asks for everythingOperational

A zero-interest secured Visa credit card where the security deposit never leaves your own Solana wallet and keeps earning yield through DeFi Carrot and Jupiter while it backs your spending. You are not depositing money with a bank — you are pledging on-chain collateral you still control, and the card draws against it at 100% loan-to-value with 0.00% APR.

Total, per $100 spent: not published

The issuer does not publish enough of its charges for us to price this card. That is not the same as cheap.

Open getamppay.comNot a paid link: we earn nothing either way.

[email protected]

Whether to take Amp Pay Black Card

In its favour

0.00% APR on purchases — this is a secured credit card that charges no interest at all, and the disclosures say so explicitly
No annual fee and no monthly fee on the Black Card
The virtual card is free, and a physical card is available rather than promised
No credit check is required, so approval does not touch your credit file

Against it

Liquidation is brutally fast: if an outstanding payment obligation is not paid in full within one calendar day, a Liquidation Event occurs and your collateral is sold
A second liquidation trigger exists — if the market value of your collateral drops below your outstanding charges and you do not add more, you are liquidated regardless of timing
Foreign exchange on non-USD purchases runs up to 3%, and a cross-border fee of up to 3% can apply on top
Small non-USD transactions carry a flat fee of up to $0.35 on anything under $15, which the terms warn may push your balance negative

Also true, in its favour

Up to 4% cash back on qualifying purchases, per the issuer's own card page
USD purchases carry no foreign transaction fee at all
Your collateral stays in your own self-custodial Solana wallet — Amp Pay and the issuer explicitly state they never hold custody of it
Collateral can keep earning through DeFi Carrot and Jupiter while it backs the card
Four stablecoins are accepted as collateral: USDC, PYUSD, USDT and USDS
Cards are issued by Third National, a named US issuer, under licence from Visa
The issuer publishes separate US and international card terms with an actual fee table, which is rarer than it should be
Only the amount needed to settle your obligation is liquidated in a liquidation event — the rest of your collateral stays freely accessible

What Amp Pay Black Card costs

Charge	What it costs
To get the card
To issue the card	$0.00
Monthly	$0.00
To spend it
Per payment, fixed	$0.35
To spend outside the dollar	3%
Total, per $100 spent	Not published

Not published by the issuer: to load, to spend, at a cash machine.

Read off getamppay.com on July 31, 2026.

There is no annual fee, no monthly fee, and 0.00% APR on purchases — the virtual card is free and a physical card is available. USD purchases carry no foreign transaction fee. Everything else is where the money goes: on the international terms, foreign exchange on non-USD purchases runs up to 3%, a cross-border fee of up to 3% can apply on top, and non-USD transactions under $15 carry a flat fee of up to $0.35 that the terms warn can push your balance negative. Penalty fees are up to $40 for a late payment, up to $29 for a returned payment and up to $35 as a liquidation penalty, plus a $30 fee for disputing a transaction. The top-up fee is not published anywhere. The structural risk matters more than any of these numbers: the card is 100% collateralised, and if an outstanding obligation goes unpaid for a single calendar day — or if your collateral's market value falls below your charges — your collateral is liquidated, and you still owe any shortfall.

KYC: what Amp Pay Black Card asks for

Full verification: a document, a photograph of your face and proof of your address. The same file a bank opens on you, held by a company that is not a bank.

Asks nothing7 cards

An email18 cards

A light check — a name and a phone, unverified9 cards

A document102 cards

Everything — document, face, address114 cards

Limits on spending

Amp Pay Black Card publishes no spending limits at all.

Where it works

WalletsApple Pay and Google Pay

Accepted whereOnline and in person

Account detailsNone — it is a card, not an account

Coins in4USDC, PYUSD, USDT, USDS

Chains5Solana, Ethereum, Polygon, Optimism, Arbitrum

The issuer names no country it turns away. That is not a promise that every country works.

The other flaws

Penalty fees stack: up to $40 for late payment, up to $29 for a returned payment, and up to $35 as a liquidation penalty
Disputing a transaction costs $30, and paying it does not guarantee you get the money back; disputes can take 90 days or longer
The collateral requirement is 100% — every dollar you charge must be matched by a dollar of posted collateral, so this gives you no purchasing power you did not already have
If your collateral is liquidated below the value of your charges, you still owe the difference
No spending limits are published: they are set dynamically by Amp Pay and can be cut to $0 at any time without notice
Cash advances and balance transfers are not available under the international terms, so ATM use is effectively out
The main Terms of Service state in capitals that the services are 'for entertainment and UI display purposes only', which sits oddly under a real payment product
No top-up fee is published anywhere, so the total cost of funding the card cannot be calculated in advance

How we checked this

Thirteen fields are tracked for every service. 7 of them carry a figure we read off getamppay.com on July 31, 2026.

Issuer's page: Currency conversion · Per-payment charge · Issuance · Monthly · Apple Pay and Google Pay
Sign-up flow: Identity level
Live check: Operating status
The issuer does not publish: Cost per $100 · Loading charge · Cash machine charge · Spending limits · Maximum balance · Countries closed

Nothing here came from a press release, an affiliate sheet, or another comparison site.

Open getamppay.comNot a paid link: we earn nothing either way.

Alternatives to Amp Pay Black Card

This one we could price: $0.00 per $100 spent.

Bitpanda CardBitpanda CardVisaVirtual and plasticAsks for everythingOperationalNothing at the door, nothing abroad, nothing monthly. One of 41 cards that cost nothing.AG21 Jul$0.00per $100 spent

This one we could price: $2.49 per $100 spent.

Coinbase CardCoinbase CardVisaVirtual and plasticAsks for everythingOperationalFree to load. $2.49 fixed.AG21 Jul$2.49per $100 spent

This one we could price: $1.49 per $100 spent.

CoinZoom VisaCoinZoom VisaVisaVirtual and plasticAsks for everythingOperational$1.49 fixed. 1 fee field is not published.AG21 Jul$1.49per $100 spent