Ledger
Peanut Card
Peanut CardPeanut Card
VisaVirtual onlySince 2026Asks for everythingOperational
Not open yet — a waitlist or a limited rollout, so nothing below has been tested by a real cardholder.
A genuinely non-custodial Visa Platinum on ERC-4337 smart accounts with passkeys instead of a seed phrase — free to create and run, with Peanut charging nothing at all on card spending and covering gas on every crypto deposit and withdrawal.
Total, per $100 spent: $1.00per $100 spent
53 of the 175 priced cards cost less. Among the 112 that ask for exactly as much identity, the median is $1.25.
Open peanut.meNot a paid link: we earn nothing either way.
Whether to take Peanut Card
In its favour
- Free virtual card: no issuance fee, no monthly fee, no annual fee
- Peanut adds zero fee on card spending — the only cost is Visa's own 1% ISA on cross-currency purchases
- Crypto deposits and withdrawals are free on every network, with gas covered by Peanut
- Deposit USDC or USDT on Base, Polygon, Arbitrum, Solana or Ethereum
Against it
- Closed beta — most users land on a waitlist that opens roughly 20 people per week
- Virtual only, no physical card at all
- No ATM access
- Identity verification is mandatory for every cardholder
Also true, in its favour
- Non-custodial: the balance stays yours
- Free bank rails too — SEPA, ACH and wire deposits, SEPA and ACH withdrawals
- QR payments at Mercado Pago in Argentina and Pix in Brazil at direct market rates
- Apple Pay and Google Pay supported, plus 3-D Secure confirmation inside the app
- Card limit is adjustable at any time and the card can be frozen instantly
- Built for people neobanks reject: digital nomads, expats, cross-border earners
What Peanut Card costs
| Charge | What it costs |
|---|---|
| To get the card | |
| To issue the card | $0.00 |
| Monthly | $0.00 |
| To put money in | |
| To load | 0% |
| To spend it | |
| To spend outside the dollar | 1% |
| Total, per $100 spent | $1.00 |
Not published by the issuer: to spend, per payment, fixed, at a cash machine.
Read off peanut.me on July 31, 2026.
Creating the card is free, adding funds is free (Peanut covers the network fee), and there is no monthly or annual fee. Peanut charges nothing on card spending. Purchases in the same currency as your balance carry no added fee at all. Purchases in another currency convert at Visa's network exchange rate plus a 1% ISA — that is a Visa network fee, not a Peanut charge. Always choose to be billed in local currency: dynamic currency conversion at the terminal is usually much worse than Visa's rate.
KYC: what Peanut 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
Peanut 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 in2USDC, USDT
Chains5Base, Polygon, Arbitrum, Solana, Ethereum
The issuer names no country it turns away. That is not a promise that every country works.
The other flaws
- Spending limits are not published — you set your own, but issuer caps are undisclosed
- Some merchant categories are restricted by the card provider
- Very new product with no track record for disputes or issuer wind-down
- Country availability for the card is not published
How we checked this
Thirteen fields are tracked for every service. 8 of them carry a figure we read off peanut.me on July 31, 2026.
- Issuer's page
- Cost per $100 · Loading charge · Currency conversion · Issuance · Monthly · Apple Pay and Google Pay
- Sign-up flow
- Identity level
- Live check
- Operating status
- The issuer does not publish
- Per-payment 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 peanut.meNot a paid link: we earn nothing either way.
Alternatives to Peanut Card
Costs exactly the same.
Tria CardTria CardVisaVirtual onlyAsks for everythingOperational$1.00 fixed. 1 fee field is not published.AG9 Sept$1.00per $100 spent
Tria CardTria CardVisaVirtual onlyAsks for everythingOperational$1.00 fixed. 1 fee field is not published.AG9 Sept$1.00per $100 spentCosts $0.25 more per $100 — the price of the difference.
Oobit CardOobit CardVisaVirtual onlyAsks for everythingOperational$1.25 fixed. 1 fee field is not published.AG9 Sept$1.25per $100 spent
Oobit CardOobit CardVisaVirtual onlyAsks for everythingOperational$1.25 fixed. 1 fee field is not published.AG9 Sept$1.25per $100 spentCosts $0.50 more per $100 — the price of the difference.
Tonhub CardTonhub CardVisaVirtual onlyAsks for everythingOperational1.5% outside the dollar. 4 fee fields are not published.AG7 Sept$1.50per $100 spent
Tonhub CardTonhub CardVisaVirtual onlyAsks for everythingOperational1.5% outside the dollar. 4 fee fields are not published.AG7 Sept$1.50per $100 spent