Ledger
Moto Card
Moto CardMoto Card
VisaVirtual and plasticSince 2026Asks for everythingOperational
Not open yet — a waitlist or a limited rollout, so nothing below has been tested by a real cardholder.
First credit card that pays off its own debt — Visa Infinite with blockchain-collateralized spend, monthly auto-repayment from your digital assets, up to 5% cashback, no foreign exchange fees.
Total, per $100 spent: $0.00per $100 spent
It takes nothing at all. 174 of the 175 priced cards cost more. Among the 112 that ask for exactly as much identity, the median is $1.25.
Open moto-card.comNot a paid link: we earn nothing either way.
Whether to take Moto Card
In its favour
- Visa Infinite credit card backed by digital assets
- Up to 5% cashback (4 tiers by deposit multiple/spend)
- No foreign exchange fees — real exchange rate in 180+ countries
- Blockchain-collateralized — assets debited monthly to repay spend
Against it
- Currently waitlist-only — invite community
- Aimed at entrepreneurs / crypto power users
- Specific fees not transparently published
- Newer product (2026 pre-seed)
Also true, in its favour
- $1.8M pre-seed (Cyber Fund + Eterna Capital)
- No traditional credit extended (collateralized)
What Moto Card costs
| Charge | What it costs |
|---|---|
| To put money in | |
| To load | 0% |
| To spend it | |
| To spend | 0% |
| To spend outside the dollar | 0% |
| Total, per $100 spent | $0.00 |
Not published by the issuer: to issue the card, monthly, per payment, fixed, at a cash machine.
Read off moto-card.com on July 21, 2026.
No credit extended — spend collateralized by your digital assets, debited at end of each month. No foreign exchange fees. Cashback tiers by deposit multiple/spend threshold: Tier 1 (2-3x deposit, any spend) 2-2.5%; Tier 2 (3-4x, ≥$10K spend) 3-3.5%; Tier 3 (4-5x, ≥$12.5K spend) 2-2.5%; Tier 4 (4-5x, ≥$15K spend) 4-5%. Specific transaction/issuance fees not transparently published. Currently invite-only waitlist.
KYC: what Moto 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 email19 cards
A light check — a name and a phone, unverified9 cards
A document102 cards
Everything — document, face, address113 cards
Limits on spending
Moto 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, USDT, BTC, ETH
Chains2Ethereum, Solana
TiersTier 1 (2-3x deposit, any spend, 2-2.5% cashback), Tier 2 (3-4x deposit, ≥$10K spend, 3-3.5% cashback), Tier 3 (4-5x deposit, ≥$12.5K spend, 2-2.5% cashback), Tier 4 (4-5x deposit, ≥$15K spend, 4-5% cashback)
Closed to residents of 1 countries, according to the issuer's own terms.
- United States
The other flaws
- US not supported
How we checked this
Thirteen fields are tracked for every service. 8 of them carry a figure we read off moto-card.com on July 21, 2026.
- Issuer's page
- Cost per $100 · Loading charge · Currency conversion · Per-payment charge · Apple Pay and Google Pay
- Sign-up flow
- Identity level
- Live check
- Operating status
- Terms
- Countries closed
- The issuer does not publish
- Issuance · Monthly · Cash machine charge · Spending limits · Maximum balance
Nothing here came from a press release, an affiliate sheet, or another comparison site.
Open moto-card.comNot a paid link: we earn nothing either way.
