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Updated for July 2026
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Payy Card

#23
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Payy Card card

The Payy Card is a capable stablecoin debit card with no monthly fee and self-custody, but its 1% FX fee and points-only rewards system with no confirmed redemption value limit its appeal to stablecoin spenders who want simplicity over earnings.

Get Payy Card

Availability

Available nowComing soon

Rewards rate

None

FX fee

1%

Savings

0.0

Availability

230 countries

Payy Card logoPayy Card

All about Payy Card

Payy Card card
Get Payy Card

Main perks

Monthly feeNone
CashbackNone
FX fee1%
Savings0.0
ATM fee—
Currencies4
Supported countries230
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Bonus offers

No current bonus offer.

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Rewards

Cashback
Payy Points (balance-based)~1 pt per $1 per day
Referral bonus10,000 pts per referral
Points redemption value
—

Pros

  • No monthly fee
  • Zero conversion cost
  • Self-custodial
  • Unlimited daily spend
  • Broad 233-country availability
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Cons

  • 1% FX fee on non-USD transactions
  • No ATM access
  • No virtual card
  • Points have no confirmed redemption value
  • No bank account or IBAN
  • Stablecoin-only funding (USDC, USDC.E, USDT)
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Options to Payy Card

CardTypeAnnual feeRewardsScore
B logoBleap CardDebit$0Up to 20%4.4View cardB logoBybit CardCrypto$0Up to 10%4.3View cardP logoPlutus CardDebit$0Up to 9%2.7View cardB logoBit2Me CardDebit$0Up to 9%3.9View card