Loading reviews...
COMPANY detail
LUCA CARD
Self-custody USDC Visa card with automatic yield, built for Latin America
CARD FEATURE OVERVIEW.
CARD NAME
STANDARD
ADD TO WATCHLIST
REMOVE FROM WATCHLIST
W BONUS
NONE
REG FEE / REQ
ZERO
CASHBACK
0%
NEED KYC
YES
FX FEE
UP TO 1%
APR / YIELD
YES
CARD TYPE
VIRTUAL CARD
CARD NETWORK
BLOCKCHAIN
REGION
WALLET TYPE
NON CUSTODIAL
MOBILE PAY
YES
BANK TRANSFER
YES
ATM LIMIT
NOT AVAILABLE
DAILY LIMIT
EQUAL TO BALANCE
GET THE CARD
STANDARD
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | ZERO |
| CASHBACK | 0% |
| NEED KYC | YES |
| FX FEE | UP TO 1% |
| APR / YIELD | YES |
| CARD TYPE | VIRTUAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | NON CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | NOT AVAILABLE |
| DAILY LIMIT | EQUAL TO BALANCE |
Last Updated: Nov 2, 2026
REGIONAL AVAILABILITY
CLICK TO VIEW MAP
Available
Restricted
Not Specified
Issuer
- Visa card issued by Rain, a Visa Principal Member. Luca provides the technology and is not the card issuer.
Fees
Card issuance
Free
APR on purchases
0%
FX fee
Up to 1%
Cross
border fee - Up to 1%
Late payment
Up to $40
Returned payment
Up to $29
Deposit networks
Base
USDC
World Chain
USDC
Ethereum
USDC, USDT
Arbitrum
USDC, USDT
Optimism
USDC, USDT
Polygon
USDC, USDT
BNB Smart Chain
USDC, USDT
HyperEVM
USDC, USDT
Monad
USDC, USDT
Linea
USDC, USDT
Spending limit
- Dynamic: equal to the USD value of the USDC held as collateral in the Luca wallet. Example: $100 in USDC gives a $100 limit.
Rewards
- Referral program: new user gets $10, referrer gets $5. Referrer must hold a Luca Card.
Account features
- Self-custody smart account with encrypted backup to iCloud or Google Drive and passkey support
- Automatic, variable yield on USDC via Aave and Compound
- Deposits from 1 USDC, withdrawals anytime
- Free US virtual bank account (ACH, wire or FedNow)
- Send money with a $lucatag
- QR payments in Argentina
- Tokenized stocks
- Card can be added to Apple Pay and Google Pay
- iOS and Android
THE REAL STORY ON THIS CARD.
PROS
[ STRENGTHS ]
- Self-custody: users keep control of their keys
- No card issuance fee
- Automatic, variable yield on USDC balance
- Gasless transactions
- Deposits on 10 networks (USDC and USDT)
- Free US virtual bank account (ACH / Wire / FedNow)
- Instant virtual card after KYC
- Works with Apple Pay and Google Pay
- Referral rewards: $10 for new users, $5 for referrers
CONS
[ LIMITATIONS ]
- Virtual card only, no physical card yet
- No ATM withdrawals
- No cashback
- FX and cross-border fees up to 1%
GENERAL QUESTIONS.
The Luca Card is a Visa card issued by Rain, a Visa Principal Member. Luca provides the technology and is not the card issuer.
The card spends from your USDC balance in your Luca wallet. You can deposit USDC on Base and World Chain, or USDC and USDT on Ethereum, Arbitrum, Optimism, Polygon, BNB Smart Chain, HyperEVM, Monad and Linea.
Your limit is equal to the USD value of the USDC you hold in your Luca wallet. For example, $100 in USDC gives you a $100 limit.
No. The Luca Card is virtual only and cash advances are not supported.
Yes. You can add your Luca Card to Apple Pay and Google Pay.
MORE CRYPTO CARDS.
WHITEBIT NOVA CARD 
CUSTODIAL
UP TO 10% CASHBACK
0% CRYPTO TOP-UP FEE
NO MONTHLY OR ANNUAL FEE
PHANTOM CASH CARD
Virtual card
Self-custodial
SOLANA BLOCKCHAIN
Zero fees for US purchases
ROBINHOOD CARD
0% FX FEE
CUSTODIAL
Gold Card 3% cashback
Mastercard/Visa network
LASO CARD
No-KYC
Multi-chain
Non-custodial
Instant card issuance