Ledger
Reap Card
April 30, 2026VerifiedReap Card April 2026 product update — physical card ops, API mgmt, shippingIn April 2026 Reap shipped three Card-as-a-Service updates: tighter physical card operations, API integration management, and revised card shipping flows. This follows Q1 2026 work on Universal KYC and card inventory.reap.global March 15, 2026VerifiedReap Direct March 2026 update — mobile, approvals, reliabilityIn March 2026 Reap shipped Reap Direct improvements: approval-email notifications, smoother mobile card management, smarter Reap Pay setup and overall reliability fixes.reap.global January 15, 2026VerifiedReap January 2026 update — ACH payouts, statementsIn January 2026 Reap rolled out ACH payments for US recipients, redesigned Card statements and smoother stablecoin payment flows — first month of a quarterly cadence of public product updates.reap.global
Reap CardReap Card
VisaVirtual and plasticAsks for everythingOperational
Hong Kong & Mexico B2B Visa corporate credit card backed 1:1 by stablecoin (USDC/USDT) collateral on Ethereum, Polygon, Solana or TRON — repay your monthly bill in fiat OR stablecoins, with USD or HKD card denomination and unlimited virtual/physical cards. Reap is a Visa Principal Member in both Hong Kong and Mexico as of 2026.
Total, per $100 spent: $2.00per $100 spent
98 of the 174 priced cards cost less. Among the 113 that ask for exactly as much identity, the median is $1.23.
Open reap.globalNot a paid link: we earn nothing either way.
Whether to take Reap Card
In its favour
- Free physical & virtual cards, no annual fee
- Visa corporate credit card — works anywhere Visa is accepted
- 1:1 stablecoin collateral (USDC/USDT) becomes instant credit line
- USD or HKD-denominated cards available; Reap is now a Visa Principal Member in both Hong Kong and Mexico
Against it
- B2B only — corporate accounts, not for individuals
- Hong Kong-based fintech (Reap Technologies Limited) — corporate KYC required
- 2% FX fee on non-USD/HKD transactions
- 2% ATM withdrawal fee
Also true, in its favour
- Repay in stablecoins or fiat — your choice every month
- Multi-chain stablecoin support: Ethereum, Polygon, Solana, TRON
- Unlimited cards with per-card spend controls and budgets
- ATM cash withdrawals supported worldwide where Visa is accepted
- Account activation in under 72 hours; no traditional bank account required
- Chainalysis-powered risk monitoring; 3D Secure & 2FA
What Reap 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 | 2% |
| At a cash machine | 2% |
| Total, per $100 spent | $2.00 |
Not published by the issuer: to spend, per payment, fixed.
Read off reap.global on July 21, 2026.
Card issuance: FREE (physical & virtual). Annual fee: FREE. Monthly repayment in fiat or stablecoins: FREE (late fee may apply). FX: 2%. ATM withdrawal: 2%. Collateral 1:1 — credit limit equals 100% of stablecoin/fiat collateral.
KYC: what Reap 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
Reap Card publishes no spending limits at all.
Where it works
WalletsApple Pay and Google Pay
Accepted whereOnline, in person, cash machines
Account detailsNone — it is a card, not an account
Coins in2USDC, USDT
Chains4Ethereum, Polygon, Solana, TRON
The issuer names no country it turns away. That is not a promise that every country works.
The other flaws
- Late repayment fees may apply
- No public spending limits — set per card by admin
- No public Apple Pay / Google Pay confirmation on the marketing page
- Pricing for high-volume users requires custom proposal
What has changed
3 recorded changes, the most recent on April 30, 2026. Each carries the page we read it on.
How we checked this
Thirteen fields are tracked for every service. 9 of them carry a figure we read off reap.global on July 21, 2026.
- Issuer's page
- Cost per $100 · Loading charge · Currency conversion · Issuance · Monthly · Cash machine charge · Apple Pay and Google Pay
- Sign-up flow
- Identity level
- Live check
- Operating status
- The issuer does not publish
- Per-payment charge · Spending limits · Maximum balance · Countries closed
Nothing here came from a press release, an affiliate sheet, or another comparison site.
Open reap.globalNot a paid link: we earn nothing either way.
Alternatives to Reap Card
Takes $0.20 less on every $100 spent.
DeCardDeCardVisaVirtual and plasticAsks for everythingOperational1.8% outside the dollar. 1 fee field is not published.AG21 Jul$1.80per $100 spent
DeCardDeCardVisaVirtual and plasticAsks for everythingOperational1.8% outside the dollar. 1 fee field is not published.AG21 Jul$1.80per $100 spentCosts $0.49 more per $100 — the price of the difference.
Coinbase CardCoinbase CardVisaVirtual and plasticAsks for everythingOperationalFree to load. $2.49 fixed.AG21 Jul$2.49per $100 spent
Coinbase CardCoinbase CardVisaVirtual and plasticAsks for everythingOperationalFree to load. $2.49 fixed.AG21 Jul$2.49per $100 spentTakes $0.50 less on every $100 spent.
Uphold CardUphold CardVisaVirtual and plasticAsks for everythingOperationalFree to load. 1.5% outside the dollar.AG21 Jul$1.50per $100 spent
Uphold CardUphold CardVisaVirtual and plasticAsks for everythingOperationalFree to load. 1.5% outside the dollar.AG21 Jul$1.50per $100 spent