Cypher Card

Cypher Card is a crypto debit card that lets you spend assets directly from your Cypher wallet, with no credit or lending component. You are spending funds you already own, which are converted from crypto to fiat at the point of purchase.

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Cypher offers two plans: Standard (free) and Premium (paid annually). Both include a virtual card, Apple Pay and Google Pay support, and global card acceptance.

The Standard plan is free and includes a virtual card plus an optional physical plastic card (shipping fee applies). Crypto load fees are 0.5% for USDC and 1% for other tokens. Foreign currency spending carries a 1.75% FX markup, and ATM withdrawals cost 3%. There is no listed fraud protection.

The Premium plan costs $199 per year and includes a metal physical card with free shipping. USDC loads have zero fees, while other tokens incur a 0.5% load fee. Foreign currency transactions have a lower 0.75% FX markup, and ATM withdrawals are reduced to 2%. Premium also includes up to $300 in fraud protection coverage.

Cypher Card is a good option for users who want direct crypto spending with clear, transparent fees. The free Standard plan works for light usage, while the Premium plan makes more sense for frequent spenders and international travelers who want lower FX costs, cheaper ATM withdrawals, and added fraud protection.