Costs /yr if you spend A year at $500/mo1% cashback+$60Currency fee−$81
Spend stablecoins from the Tangem wallet, cashback in USDC
Get Tangem PayGet card
Decaf Card
Tap the card to read the small print
Your first yearCosts about/yr
- Monthly fee · none
- $0
- Cashback
- None
- Currency fee · 2%
- /yr
- ATM
- No Decaf fee, physical card only
- Your money
- You hold it
- Sign-up
- Decaf app + ID check
- Apple / Google Pay
- The card itself
- $5 virtual card
How we calculateEstimate for everyday spending: most of it in your local currency, topping up with crypto.Checked November 10, sources in each section below
Our take
For people who keep dollars in a self-custody stablecoin wallet and want a Visa to spend them. Not for you if you pay in other currencies a lot or need a plastic card cheaply.
Pay in other currencies a lot? Compare with MEXC Card
Good to know
- Card backed by your own USDC wallet
- Apple Pay and Google Pay
- No monthly fee
- Up to 2% on non-USD purchases
- Physical card $90 outside the US
Fees
SourceDecaf help center, Card FAQ (07.02.2026) · checked November 10- Monthly or annual fee
- $0
- Virtual card
- $5Worldwide
- Physical card
- $90$10 in the US
- Paying abroad
- Decaf Spend Card terms (effective 06.08.2025) · November 10
- Up to 2% on non-USDFAQ says no Decaf fee, Visa rate only
Plans
Virtual card$5 once
- Apple Pay and Google Pay
- Spending limits set in the app
Physical card$90 once ($10 in the US)
- ATM withdrawals
Limits
SourceDecaf help center, Card limits · checked November 10- Spending
- Set by you in the app
- ATM
- $250 per withdrawal, 3 a day
Top up & withdraw
SourceDecaf help center, add funds to your card · checked November 10Top up
- Crypto
- USDC from the Decaf wallet (Solana)Arrives in a few minutes
Withdraw
For residents of 230 countries
AfghanistanÅland IslandsAlbaniaAlgeriaAmerican SamoaAndorraAngolaAnguillaAntarcticaAntigua & BarbudaArgentinaArmeniaArubaAustraliaAustriaAzerbaijanBahamasBahrainBangladeshBarbadosBelgiumBelizeBeninBermudaBhutanBoliviaBosnia & HerzegovinaBotswanaBouvet IslandBrazilBritish Indian Ocean TerritoryBritish Virgin IslandsBruneiBulgariaBurkina FasoBurundiCambodiaCameroonCanadaCape VerdeCaribbean NetherlandsCayman IslandsCentral African RepublicChadChileChristmas IslandCocos (Keeling) IslandsColombiaComorosCongo - BrazzavilleCongo - KinshasaCook IslandsCosta RicaCôte d’IvoireCroatiaCuraçaoCyprusCzechiaDenmarkDjiboutiDominicaDominican RepublicEcuadorEgyptEl SalvadorEquatorial GuineaEritreaEstoniaEswatiniEthiopiaFalkland IslandsFaroe IslandsFijiFinlandFranceFrench GuianaFrench PolynesiaFrench Southern TerritoriesGabonGambiaGeorgiaGermanyGhanaGibraltarGreeceGreenlandGrenadaGuadeloupeGuamGuatemalaGuernseyGuineaGuinea-BissauGuyanaHaitiHeard & McDonald IslandsHondurasHong KongHungaryIcelandIndonesiaIrelandIsle of ManItalyJamaicaJapanJerseyJordanKazakhstanKenyaKiribatiKuwaitKyrgyzstanLaosLatviaLebanonLesothoLiberiaLibyaLiechtensteinLithuaniaLuxembourgMacaoMadagascarMalawiMalaysiaMaldivesMaliMaltaMarshall IslandsMartiniqueMauritaniaMauritiusMayotteMexicoMicronesiaMoldovaMonacoMongoliaMontenegroMontserratMoroccoMozambiqueNamibiaNauruNetherlandsNew CaledoniaNew ZealandNigerNiueNorfolk IslandNorth MacedoniaNorthern Mariana IslandsNorwayOmanPakistanPalauPalestinePanamaPapua New GuineaParaguayPeruPhilippinesPitcairn IslandsPolandPortugalQatarRéunionRomaniaRwandaSamoaSan MarinoSão Tomé & PríncipeSaudi ArabiaSenegalSerbiaSeychellesSierra LeoneSingaporeSint MaartenSlovakiaSloveniaSolomon IslandsSomaliaSouth AfricaSouth Georgia & South Sandwich IslandsSouth KoreaSouth SudanSpainSri LankaSt. BarthélemySt. HelenaSt. Kitts & NevisSt. LuciaSt. MartinSt. Pierre & MiquelonSt. Vincent & GrenadinesSudanSurinameSvalbard & Jan MayenSwedenSwitzerlandTaiwanTajikistanTanzaniaThailandTimor-LesteTogoTokelauTongaTrinidad & TobagoTunisiaTurkmenistanTurks & Caicos IslandsTuvaluU.S. Outlying IslandsU.S. Virgin IslandsUgandaUnited Arab EmiratesUnited KingdomUnited StatesUruguayUzbekistanVanuatuVatican CityWallis & FutunaWestern SaharaYemenZambiaZimbabwe
Not on the list? Then Decaf Card doesn't accept people living there yet.
- How they check where you live
- Not published
- ID from another country
- Not for citizens of 1 countries, wherever they live
- ID accepted
- Decaf Spend Card terms (effective 06.08.2025) · November 10
- Identity check in the app (document types not published)
- Pays in
- Decaf Spend Card terms (effective 06.08.2025) · November 10
- Anywhere Visa is accepted; cash-like, crypto and gambling purchases can be blocked
Not for citizens of
United States
Trust
SourceDecaf Spend Card terms (effective 06.08.2025) · checked November 10- Card issued by
- Third National (issuer), Decaf Inc. (program)
- Licence
- Issued under licence from Visa; Decaf says it is not a bank and works with licensed partners
- Based in
- United States (Decaf Inc., Delaware)
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