Your balance sets how much of your spending earns 2%.1,2,3
How it works
Keep USD in your USD Account
Spend as usual
Eligible card purchases earn 2% back.3
Get cashback in Bitcoin
Lands in your account automatically on the 1st. Nothing to claim or activate.
See what your spending could earn
Your USD BalanceYour average USD balance
This calculator is for illustration only. It uses the live BTC price and assumes the price remains constant. Bitcoin price fluctuates, so actual results will differ. Nothing displayed here constitutes financial or investment advice.
Your spending that earns 2% (20% of your balance)USD 20K
Potential Monthly Cashback (paid in BTC)
—≈ $400 USD
This calculator is for illustration only. It uses the live BTC price and assumes the price remains constant. Bitcoin price fluctuates, so actual results will differ. Nothing displayed here constitutes financial or investment advice.
Your balance starts counting today
This month: The USD in your USD Account builds your average balance from the day it arrives.
On the 1st of the month: 20% of that average is used to set how much of your spending earns 2%3 for the month ahead. The amount is shared across all your cards and stays fixed until the next 1st.
On the 1st of next month: Your Bitcoin is paid automatically for last month’s spending. For example, cashback for November spending lands on 1 December.
The card behind the cashback
No foreign exchange fees, anywhere you spend
Use your card anywhere around the globe with no foreign exchange fees and no hidden markups.
Spend with confidence
Real-time fraud alerts, monitoring for compromised card details, plus virtual cards for online shopping.
Small purchases, big purchases, same card
Spend small or spend big with high daily limits. A premium metal card is included with your membership.
Pay with Bitcoin, too
Use your Bitcoin for everyday purchases with no fees and competitive spreads.
FAQs
See all FAQs
Your card earns a flat 2% back in Bitcoin on your everyday spending, with no tiers and no tokens. Each month, you earn cashback by spending up to 20% of your average USD account balance from last month. The more USD you keep in your account, the more cashback you earn.
Spending up to 20% of your average USD account balance last month. Anything above it doesn't earn cashback that month, and it starts fresh the next month.
For example, you can earn up to $40 in Bitcoin a month with an average $10,000 balance. That's 2% back on up to $2,000 of spending, and it grows as your balance does.
Add USD directly by bank transfer. Deposit USDC or USDT, or send GBP or EUR, and we’ll convert it to USD for you.
Immediately. Your USD balance counts toward next month’s cashback from the moment it arrives. The more days it’s there, the more it adds to your average. On the 1st, how much of your spending earns 2% for the month ahead is locked in until the 1st of the next month.
So, USD you add part-way through a month counts towards next month, not the current month. Because it's an average, money counts for the days it's in your account.
If your balance drops, this month's amount and the cashback you've already earned stay the same. Only next month's amount goes down.
Your cashback is paid in Bitcoin, automatically, on the 1st of the following month. Spend in March, get paid in Bitcoin on 1 April. It's all automatic. Note that purchases that clear after the month ends are paid the following month.
Yes. One monthly amount covers all your cards, and spending on any of them counts toward the same total.
The cashback on the refunded part is taken back. That part of your monthly amount becomes available again this month, so you can spend it and earn on it.
Only your USD account. USD Savings, Bitcoin, and Fund balances don't count. If you deposit stablecoins, they count once they've been converted to USD.
Card purchases, apart from some merchant categories: gambling, quasi-cash, brokerage, tax, government, insurance, and charity. Spending in those categories doesn't earn cashback, and it doesn't use up your monthly amount.
Your card earns a flat 2% back in Bitcoin on your everyday spending, with no tiers and no tokens. Each month, you earn cashback by spending up to 20% of your average USD account balance from last month. The more USD you keep in your account, the more cashback you earn.
Yes. One monthly amount covers all your cards, and spending on any of them counts toward the same total.
Spending up to 20% of your average USD account balance last month. Anything above it doesn't earn cashback that month, and it starts fresh the next month.
For example, you can earn up to $40 in Bitcoin a month with an average $10,000 balance. That's 2% back on up to $2,000 of spending, and it grows as your balance does.
The cashback on the refunded part is taken back. That part of your monthly amount becomes available again this month, so you can spend it and earn on it.
Add USD directly by bank transfer. Deposit USDC or USDT, or send GBP or EUR, and we’ll convert it to USD for you.
Only your USD account. USD Savings, Bitcoin, and Fund balances don't count. If you deposit stablecoins, they count once they've been converted to USD.
Immediately. Your USD balance counts toward next month’s cashback from the moment it arrives. The more days it’s there, the more it adds to your average. On the 1st, how much of your spending earns 2% for the month ahead is locked in until the 1st of the next month.
So, USD you add part-way through a month counts towards next month, not the current month. Because it's an average, money counts for the days it's in your account.
If your balance drops, this month's amount and the cashback you've already earned stay the same. Only next month's amount goes down.
Card purchases, apart from some merchant categories: gambling, quasi-cash, brokerage, tax, government, insurance, and charity. Spending in those categories doesn't earn cashback, and it doesn't use up your monthly amount.
Your cashback is paid in Bitcoin, automatically, on the 1st of the following month. Spend in March, get paid in Bitcoin on 1 April. It's all automatic. Note that purchases that clear after the month ends are paid the following month.