COMPANY detail

ETHENA PAY CARD

The Internet Money App
Card Fallback

CARD FEATURE OVERVIEW.

ETHENA PAY CARD - STANDARDETHENA PAY CARD - PROETHENA PAY CARD - VIP
TIERS
ADD TO WATCHLIST REMOVE FROM WATCHLIST
W BONUS
NONE
REG FEE / REQ
FREE
CASHBACK
UP TO 4%
NEED KYC
YES
FX FEE
UP TO 1%
APR / YIELD
YES
CARD TYPE
VIRTUAL CARD
CARD NETWORK
visa
BLOCKCHAIN
ethereumpolygonoptimismarbitrum
REGION
LATAMGLOBAL
WALLET TYPE
NON CUSTODIAL
MOBILE PAY
YES
BANK TRANSFER
YES
ATM LIMIT
NOT AVAILABLE
DAILY LIMIT
DYNAMIC
GET THE CARD
GET IT NOW
W BONUS
NONE
REG FEE / REQ
NOT DISCLOSED
CASHBACK
UP TO 4.5%
NEED KYC
YES
FX FEE
UP TO 1%
APR / YIELD
YES
CARD TYPE
VIRTUAL CARD
CARD NETWORK
visa
BLOCKCHAIN
ethereumpolygonoptimismarbitrum
REGION
LATAMGLOBAL
WALLET TYPE
NON CUSTODIAL
MOBILE PAY
YES
BANK TRANSFER
YES
ATM LIMIT
NOT AVAILABLE
DAILY LIMIT
DYNAMIC
GET THE CARD
GET IT NOW
W BONUS
NONE
REG FEE / REQ
NOT DISCLOSED
CASHBACK
UP TO 5%
NEED KYC
YES
FX FEE
UP TO 1%
APR / YIELD
YES
CARD TYPE
VIRTUAL CARD
CARD NETWORK
visa
BLOCKCHAIN
ethereumpolygonoptimismarbitrum
REGION
LATAMGLOBAL
WALLET TYPE
NON CUSTODIAL
MOBILE PAY
YES
BANK TRANSFER
YES
ATM LIMIT
NOT AVAILABLE
DAILY LIMIT
DYNAMIC
GET THE CARD
GET IT NOW
STANDARD
W BONUS NONE
REG FEE / REQ FREE
CASHBACK UP TO 4%
NEED KYC YES
FX FEE UP TO 1%
APR / YIELD YES
CARD TYPE VIRTUAL CARD
CARD NETWORK visa
BLOCKCHAIN ethereumpolygonoptimismarbitrum
REGION LATAMGLOBAL
WALLET TYPE NON CUSTODIAL
MOBILE PAY YES
BANK TRANSFER YES
ATM LIMIT NOT AVAILABLE
DAILY LIMIT DYNAMIC
GET IT NOW
PRO
W BONUS NONE
REG FEE / REQ NOT DISCLOSED
CASHBACK UP TO 4.5%
NEED KYC YES
FX FEE UP TO 1%
APR / YIELD YES
CARD TYPE VIRTUAL CARD
CARD NETWORK visa
BLOCKCHAIN ethereumpolygonoptimismarbitrum
REGION LATAMGLOBAL
WALLET TYPE NON CUSTODIAL
MOBILE PAY YES
BANK TRANSFER YES
ATM LIMIT NOT AVAILABLE
DAILY LIMIT DYNAMIC
GET IT NOW
VIP
W BONUS NONE
REG FEE / REQ NOT DISCLOSED
CASHBACK UP TO 5%
NEED KYC YES
FX FEE UP TO 1%
APR / YIELD YES
CARD TYPE VIRTUAL CARD
CARD NETWORK visa
BLOCKCHAIN ethereumpolygonoptimismarbitrum
REGION LATAMGLOBAL
WALLET TYPE NON CUSTODIAL
MOBILE PAY YES
BANK TRANSFER YES
ATM LIMIT NOT AVAILABLE
DAILY LIMIT DYNAMIC
GET IT NOW
Last Updated: Oct 16, 2026
CASHBACK
Cashback may change, be available for a limited time, have limits, or even be awarded in points or other forms. For precise details, always check the card’s website.
REGIONAL AVAILABILITY
CLICK TO VIEW MAP
Available
Restricted
Not Specified

Despite the "no fees" headline, Late Payment Fee up to $40, Returned Payment Fee up to $29 apply, and third-party fees pass through: blockchain gas, Visa network assessments, merchant surcharges, and Moonpay/Iron on-ramp/off-ramp charges.

CASHBACK

The headline rates in your screenshots are exactly right: Standard: 4% Pro: 4.5% VIP: 5% But there is an important detail. They are not flat cashback rates for unlimited spending.

  • STANDARD TIER
$0–$2,500
4%
$2,500–$4,000
1%
$4,000
0%
  • PRO TIER
$0–$8,000
4.5%
$8,000–$10,000
2%
$10,000–$12,000
1%
$12,000
0.5%
  • VIP TIER
$0–$20,000
5%
$20,000–$30,000
2%
$30,000–$40,000
1%
$40,000
0.5%

THE REAL STORY ON THIS CARD.

PROS
[ STRENGTHS ]
  • thumbs-up-fill UP TO 5% AVAX CASHBACK — VIP TIER
  • thumbs-up-fill 0% PURCHASE APR
  • thumbs-up-fill NO ETHENA FX MARKUP OR CROSS-BORDER FEE
  • thumbs-up-fill FREE VIRTUAL CARD ISSUANCE
  • thumbs-up-fill SELF-CUSTODIAL DIGITAL-ASSET WALLET
  • thumbs-up-fill DAILY USDe BOOST — UP TO 5% STANDARD / 6% PRO & VIP
  • thumbs-up-fill FREE ETHENA PAY PEER-TO-PEER TRANSFERS
  • thumbs-up-fill APPLE PAY SUPPORT
  • thumbs-up-fill FREE STANDARD ACCOUNT OPENING AND MAINTENANCE
CONS
[ LIMITATIONS ]
  • thumbs-down-fill CASHBACK PAID IN AVAX — VALUE FLUCTUATES
  • thumbs-down-fill CASHBACK RATE FALLS AS MONTHLY SPEND CROSSES BANDS
  • thumbs-down-fill NON-USD SPENDING INCURS VISA NETWORK CONVERSION FEES
  • thumbs-down-fill DAILY BOOST IS DISCRETIONARY AND NOT INSURED
  • thumbs-down-fill AT LEAST ONE QUALIFYING CARD TRANSACTION REQUIRED MONTHLY FOR BOOST
  • thumbs-down-fill SPENDING IS SECURED BY COLLATERAL
  • thumbs-down-fill PHYSICAL CARD AVAILABILITY NOT DISCLOSED
  • thumbs-down-fill ATM ACCESS AND LIMITS VARY BY COUNTRY AND CARD
  • thumbs-down-fill U.S. PERSONS CANNOT OBTAIN THE SPEND CARD

GENERAL QUESTIONS.

No. Ethena Pay is a non-custodial money app. Your fiat IBAN is provided through licensed banking partners, and your assets sit in a self-custodial wallet that only you control — we never hold your money.

You do. Ethena Pay is non-custodial: the wallet keys are yours, secured by passkeys and biometrics on your device.

Yes. Withdraw to any external wallet or to a bank account at any time. There is nothing locked and no term to wait out.

Sending money to other Ethena Pay users is free, with no monthly account fees and none of the usual FX markups. Pro is available via subscription or referrals.

USER RATINGS AND REVIEWS.

COMMUNITY SCORE EXCELLENT
5.0 / 5.0
100%
Recommendation Rate 1 of 1 reviewers recommend
RATING PROFILE 1 REVIEW
5 ★
100% 1 reviews
4 ★
0% 0 reviews
3 ★
0% 0 reviews
2 ★
0% 0 reviews
1 ★
0% 0 review
COMMUNITY SIGNAL
All reviews are verified. Sybil protection and data integrity systems are continuously monitored by TODEY.
CLAIM PROJECT & REPLY AS OFFICIAL TEAM

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ETHENA PAY CARD
FEATURE STANDARD PRO VIP
W BONUS NONE NONE NONE
REG FEE / REQ FREE NOT DISCLOSED NOT DISCLOSED
CASHBACK UP TO 4% UP TO 4.5% UP TO 5%
NEED KYC YES YES YES
FX FEE UP TO 1% UP TO 1% UP TO 1%
APR / YIELD YES YES YES
CARD TYPE VIRTUAL CARD VIRTUAL CARD VIRTUAL CARD
CARD NETWORK visa visa visa
BLOCKCHAIN ethereumpolygonoptimismarbitrum ethereumpolygonoptimismarbitrum ethereumpolygonoptimismarbitrum
REGION LATAMGLOBAL LATAMGLOBAL LATAMGLOBAL
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