TOP 8 STABLECOIN CARDS OF 2025

Guest Author Spotlight:
Austin Heaton on Stablecoin Cards

I'm thrilled to welcome our first-ever guest contributor to the Stableminded newsletter!

Austin Heaton, Head of Content at Rise and someone I had the pleasure of working closely with, brings his expert perspective on one of the most exciting developments in the stablecoin ecosystem – spending cards.

While we typically focus on the infrastructure and tech behind stablecoins, Austin takes a practical approach by examining how these digital dollars are becoming part of everyday life through these innovative cards.

His comprehensive breakdown of the top options available today showcases exactly how stablecoins are quietly transforming from "crypto curiosities" into practical financial tools with real-world utility.

Here's Austin's deep dive into the Top 8 Stablecoin Cards of 2025!

Top 8 Stablecoin Cards of 2025:
Best Rewards and Lowest Fees

For anyone operating in the Web3 space, it has become obvious over the past couple of years that stablecoins will be the medium that onboards the next billion users to crypto.

They are already the easiest crypto-related product to understand and also have the easiest UI.

And now with the introduction of stablecoin-linked debit cards, the public is starting to pay attention.

Not only do these cards make it easy to send payments and make purchases with ease, they also offer generous rewards for doing so.

In this post, we're going to be reviewing the top eight stablecoin cards currently available on the market, while highlighting each of their pros and cons, availability, rewards, and fees.

But before we dive right in, let's take a look at why they're suddenly becoming popular.

Why Stablecoin Cards
Are Gaining Popularity

Besides benefitting from all of the recent attention surrounding crypto in general, stablecoin debit cards have seen increased adoption due to several key factors:

• Crypto-Fiat Bridge: They allow users to spend stablecoins at any merchant that accepts Visa or Mastercard.

• Regulatory Clarity: More stablecoin issuers (e.g., Circle, Tether) are working with regulators, making these cards more attractive.

• Inflation Hedge: Users in high-inflation countries prefer stablecoins over local currency.

• Better Rewards: Some crypto cards offer cashback rates higher than traditional credit cards.

As more people look for alternatives to traditional banking, stablecoin cards are positioned to play a major role in mass crypto adoption.

8 Stablecoin Cards to Consider in 2025

1. KAST Card

KAST is a Visa-backed debit card designed for stablecoin spending, launched by a Singapore-based fintech with $10 million in seed funding (announced December 2024).

The card currently supports USDC, USDT, and USDe, with plans to add more stablecoins this year.

Users can top up via multiple blockchains (Solana, Ethereum, Polygon) and spend at over 100 million merchants globally.

KAST offers three main tiers:

• Standard K Card: $20 per year fee, 2-6% spending rewards

• Premium X Card: $1000 per year fee, 5-12% spending rewards

• Founders Card: $5000 one-time fee, 5-12% spending rewards, VIP concierge

They recently announced a partnership with Solana and now offer four Solana-specific cards:

• Solana Card: $20 per year fee, 2-6% spending rewards, 3.5-7% APY boost on SOL staking

• Solana Iluma: $1000 per year fee, 5-12% spending rewards, 7-14% APY boost on SOL staking

• Solana Gold: $10,000 per year fee, 8-18% spending rewards, 10.5-21% APY boost on SOL staking

• Solana Solid Gold: Invite only, 18% spending rewards, 10.5%-21% APY boost on SOL staking

Highlights

• Supported Stablecoins: USDC, USDT, USDe (more planned)

• Availability: 150+ countries, including the US, Europe, Asia, and Latin America (excludes India and China due to regulations)

Pros:

• Instant virtual card issuance (under 2 minutes) and Apple/Google Pay support

• Multi-chain support offers flexibility for crypto natives

• High rewards potential, especially on Premium tier

• No bank account required, appealing to unbanked users

Cons:

• Annual fees ($20 or $1000) may deter casual users

• Newer player with less established trust compared to Coinbase or Binance

• KYC required, reducing anonymity

2. Coinbase Card

The Coinbase card is a Visa debit card tied to your Coinbase account, allowing direct spending of stablecoins like USDC and USDT.

It's the go-to choice for Coinbase users who are already familiar with the platform and don't want to transfer their crypto elsewhere.

Its integration with Coinbase's regulated platform and USDC's audited reserves make it a top choice for security-focused users.

There's no annual fee, but conversion fees apply outside the US.

• Supported Stablecoins: USDC, USDT (varies by region)

• Availability: US, UK, parts of Europe, with potential 2025 expansion

• Rewards: 1.5% in USDC, and up to 4% back in other cryptos (e.g., XLM, BTC)

Pros:

• Trusted brand with regulatory compliance

• Great security features

• Wide Visa acceptance

• No annual fee enhances accessibility

Cons:

• 2.49% conversion fee outside the US

• Limited to Coinbase ecosystem

3. Wirex Card

The Wirex card is the official card of the Wirex payments platform and offers very generous "Cryptoback" rewards of up to 8%, which are paid out in the Wirex token WXT.

With the card you're able to spend your USDC or USDT, as well as multiple other cryptocurrencies and even cash.

For users who are already using Wirex, this is likely the best choice for your first stablecoin debit card.

• Supported Stablecoins: USDT, USDC

• Availability: UK, Europe, Asia-Pacific (US expansion planned)

• Rewards: Up to 8% "Cryptoback" in WXT

Pros:

• Low/no conversion fees on some transactions

• High reward potential

Cons:

• WXT rewards are less liquid

• Premium tiers require fees

4. MetaMask Card

The MetaMask Card is a new Mastercard debit card linked directly to your MetaMask wallet, enabling seamless spending of crypto like USDC, USDT, and WETH anywhere Mastercard is accepted.

It's the ideal option for MetaMask users who value self-custody and want to spend their crypto without transferring it to centralized platforms or banks.

Its integration with the Linea network (a zkEVM blockchain powered by Ethereum) provides fast transactions and lower gas fees, paired with MetaMask's reputation as a secure, self-custodial wallet trusted by over 100 million users globally.

The card offers 1% to 3% USDC cashback on USDC purchases, and there's no need for pre-loading or top-ups, because you can spend straight from your wallet via Apple Pay or Google Pay.

• Supported Cryptocurrencies: USDC, USDT, WETH (on the Linea network)

• Availability: Currently in early access in Brazil, Colombia, the EU, Mexico, Switzerland, the US (excluding New York and Vermont), and the UK, with global expansion planned

• Rewards: 1% to 3% USDC cashback on USDC purchases; potential for additional on-chain rewards

Pros:

• Self-custody ensures full control of funds until the point of sale

• No banks or exchanges required, simplifying crypto spending

• Wide Mastercard acceptance globally

• Low-cost transactions via the Linea network

Cons:

• Limited to specific regions during the pilot phase

• Restricted to USDC, USDT, and WETH on Linea, requiring bridging for other assets

5. Stables Card

The Stables Card is the official card of the Stables.money platform, which has made incredible strides in the stablecoin space over the past year, touting users from Berachain, Pudgy Penguins, and other big names in Web3.

The card is available in numerous countries including the US, Australia, Brazil, Singapore, Japan, and most European countries. Unlike what was previously thought, it's not limited to just Australia.

Unlike the other cards on this list, the Stables card is issued by Mastercard instead of Visa. It also does not currently offer rewards.

With the card you're able to spend ARB, AVAX, ETH, OP, MATIC, YGG, USDC, USDT, DAI and PYUSD.

• Supported Stablecoins: USDT, USDC, DAI, PYUSD

• Availability: Available in 50+ countries including the US, Australia, Brazil, most of Europe, Singapore, Japan, and more (see full list)

Pros:

• No fees

• Easy to get started

• Wide range of currencies available

• Extensive global availability

Cons:

• No spending rewards

6. Moonwell x Cypher Card

The Moonwell Card is a Visa debit card connected directly to your Moonwell wallet in partnership wit, allowing you to spend cryptocurrencies like USDC directly from your on-chain assets wherever Visa is accepted.

It's the go-to choice for Moonwell users who want to leverage their crypto holdings without leaving the decentralized ecosystem.

Its integration with the Base and Optimism networks, combined with partnerships like Cypher and Circle, ensures fast, secure transactions with no annual fees.

Just like the other cards on this list, the Moonwell card also supports Apple Pay and Google Pay, and as of January 2025, physical cards are available with no pre-loading required.

• Supported Cryptocurrencies: USDC (with options to load other Base network tokens via the Cypher dashboard)

• Availability: Brazil, Colombia, EU, Mexico, Switzerland, US (excluding New York and Vermont), UK, with plans for further expansion in 180+ countries

• Rewards: Earn WELL and MORPHO rewards plus borrower interest via the Moonwell Flagship USDC Vault

Pros:

• No annual fees, keeping costs low

• Direct spending from on-chain assets without intermediaries

• Wide Visa acceptance at over 44 million merchants globally

• Advanced security features like instant card freezing

Cons:

• Limited to USDC for direct loading via Moonwell app (other tokens require Cypher dashboard)

• Early access phase restricts availability in some regions

7. Avalanche Card

The Avalanche Card is a Visa credit card linked to a self-custody wallet, enabling users to spend cryptocurrencies like USDC, USDT, AVAX, and Wrapped AVAX (wAVAX) anywhere Visa is accepted.

It's the top pick for current Avalanche users, allowing direct spending from their crypto wallet without relying on banks or centralized exchanges.

The card's self-custody model gives it an advantage, enhanced by Avalanche's high-speed blockchain for quick, low-cost transactions.

The AVAX card is available in both physical and virtual forms, supports spending via apps like Apple Pay, and offers 24/7 support, all with no spending fees.

• Supported Cryptocurrencies: USDC, USDT, AVAX, wAVAX, sAVAX

• Availability: Initially launched in Latin America and the Caribbean, with sign-ups expanding to Southeast Asia and Africa as of February 2025

• Rewards: No direct cashback currently advertised, but potential future rewards tied to Avalanche ecosystem

Pros:

• Self-custody ensures users maintain control of their assets

• No need for intermediaries, simplifying crypto-to-fiat conversion

• Wide Visa acceptance at millions of merchants globally

• Fast transactions powered by Avalanche's blockchain

Cons:

• Limited availability in early rollout phases

• Spending non-stablecoin assets (e.g., AVAX) may trigger taxable events

8. Limited Card

The Limited Card is a new self-custodial debit card tied to your Limited Business account, allowing you to spend stablecoins like USDC and EURC directly from your wallet for global payments and local transactions.

It's a great choice for businesses and entrepreneurs who want full control over their capital without relying on banks or middlemen.

This card offers a few unique features that separate it from the others above: customizable team budgets, free and instant transfers to other Limited users, and the ability to spend EURC, which most other cards don't offer.

• Supported Stablecoins: USDC, EURC

• Availability: Global coverage, except in restricted jurisdictions. Currently invite-only with a waitlist

• Rewards: No direct cashback advertised, but savings come from no bank fees and real-time stablecoin transfers

Pros:

• Full self-custody ensures no third-party access to your funds

• Instant, fee-free transfers within the Limited network

• Supports global payments in 9+ currencies with local options

• No reliance on traditional banking systems

Cons:

• Invite-only access limits availability for now

• Restricted to USDC and EURC, requiring conversion for other assets

This list was in no particular order. The best card is the one YOU enjoy using, and we expect to see more cards pop up in 2025/2026.

How to Launch a Stablecoin Card

Now that we've reviewed the best stablecoin cards, let's look at how a company could launch their own with the help of Rain:

Step 1: Define Your Card Program Decide on specifics like supported stablecoins, target users, and geographic reach. Rain's platform supports both custodial and non-custodial models.

Step 2: Integrate via Rain's APIs Use Rain's modern infrastructure to issue cards across multiple markets with a single integration.

Step 3: Use Visa Network Access With Rain as an issuer on the Visa network, your stablecoin card will be accepted at over 100 million merchants worldwide.

By following these three simple steps and partnering with Rain, you can launch a stablecoin card that bridges digital assets and traditional finance.

The Future of Stablecoin Cards:
Where We're Headed

As we wrap up this deep dive into stablecoin cards, it's worth considering where this rapidly evolving space is headed.

The cards we've explored today represent just the beginning of a much larger shift in how people interact with digital assets. Looking ahead, I see several key trends taking shape:

1. Layer 1 & Layer 2 Branded Cards

Avalanche has already made their move, but this is just the beginning. Expect to see nearly every major L1 and L2 launching their own card offerings by the end of 2025. Solana, Optimism, Base, and Arbitrum are all likely contenders to create branded card experiences, turning their chains into payment networks that compete directly with traditional rails.

2. DeFi Protocol Integration

The next wave will come from major DeFi protocols launching cards that tie directly into their ecosystems. Imagine an Aave card that uses your supplied assets as collateral, a Uniswap card that gives you LP-like rewards on everyday purchases, or a Curve card that optimizes stablecoin routes for the best rates on the stables you hold. These integrations will create powerful flywheel effects for protocols looking to expand their utility.

3. Enhanced Reward Mechanisms

Current rewards are impressive, but primitive compared to what's coming. Future cards will integrate more sophisticated tokenomics – think dynamic rewards that adjust based on protocol revenue, governance power that scales with card usage, or integration with veToken models that allow for reward boost multipliers.

4. Seamless Multi-Chain Support

The current generation of cards typically ties to a single chain or requires manual bridging. Next-generation cards will offer seamless multi-chain support, automatically routing through the optimal networks for any given transaction without users needing to think about the underlying infrastructure.

In many ways, what we're witnessing is the natural evolution of crypto from speculative asset class to everyday payment utility. Stablecoin cards are bridging the gap between Web3 innovation and daily user habits, creating the on-ramp that our space has desperately needed.

For our readers who haven't yet explored these options, now might be the perfect time to consider how stablecoin cards could fit into your crypto strategy. The technology is maturing, the rewards are compelling, and the ecosystem is expanding daily.

We'd love to hear from you – which card are you most interested in trying? Or if you're already using one, what has your experience been like?

Thanks again to Austin Heaton for this insightful overview. We hope to feature more guest contributors who are building in the stablecoin space in future editions of Stableminded. If thats you, respond to this email with your idea for a collaboration with Stableminded.

Until them, Stay stable!

Zach