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COMPANY detail
MOTO CARD
Buy Now, Pay Later
CARD FEATURE OVERVIEW.
CARD NAME
MOTO CARD
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This card is part of the best crypto cards for the following groups:
W BONUS
NONE
REG FEE / REQ
$250/MO
CASHBACK
UP TO 1%
NEED KYC
YES
FX FEE
0%
APR / YIELD
NO
CARD TYPE
CREDIT CARD
CARD NETWORK
BLOCKCHAIN
REGION
WALLET TYPE
NON CUSTODIAL
MOBILE PAY
YES
BANK TRANSFER
YES
ATM LIMIT
NOT DISCLOSED
DAILY LIMIT
DYNAMIC
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MOTO CARD
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | $250/MO |
| CASHBACK | UP TO 1% |
| NEED KYC | YES |
| FX FEE | 0% |
| APR / YIELD | NO |
| CARD TYPE | CREDIT CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | NON CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | NOT DISCLOSED |
| DAILY LIMIT | DYNAMIC |
Last Updated: Sep 11, 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
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Available
Restricted
Not Specified
- FX FEE CONFLICT: Moto’s current website advertises 0% FX globally, while its current international card terms state up to 3% foreign-exchange fees plus up to 1% cross-border fees.
HOW THE CREDIT MODEL WORKS
Moto combines its Visa Infinite credit card with a self-custodial wallet. Users deposit funds, receive a collateral-backed credit limit, spend on credit, and settle the balance monthly. Purchases are not deducted directly from the deposited balance like a debit card.
- No external wallet required
- Crypto experience not required
- Bank accounts supported
- Onchain infrastructure
REWARDS MECHANICS
ALL PURCHASES — 1X POINTS
DINING & RETAIL — 3X POINTS
TRAVEL — 5X POINTS
POINT VALUE — $0.01
FUNDING
FUNDING — Supported crypto and stablecoins
SOLANA USDC — Usually under 2 minutes
OTHER SUPPORTED CRYPTO — Up to 48 hours
CRYPTO WITHDRAWAL — Usually within minutes
FIAT WITHDRAWAL — Typically 1 business day; occasionally up to 3
THE REAL STORY ON THIS CARD.
PROS
[ STRENGTHS ]
- Visa Infinite credit card + self-custodial Solana wallet in a single app
- Collateral-backed credit limit
- Competitive earn rates: 5x travel, 3x dining/retail, 1x everything else
- Points redeemable for flights, hotels, or statement credits
- Zero FX fees and zero transfer fees globally
- Unlimited airport lounge access included
- Dedicated Relationship Manager per member
- Fund with crypto, stablecoins, or bank accounts
- Self-custodial with passkeys and multisig wallet infrastructure
- Extends actual credit via Credit Coop onchain facility, not just collateralized debit
CONS
[ LIMITATIONS ]
- $250/MO MEMBERSHIP
- $2,500/YEAR MEMBERSHIP
- ATM LIMIT NOT DISCLOSED
- MOBILE PAY NOT DISCLOSED
- 0% APR MAY CHANGE FOR NEW PURCHASES
- KYC REQUIRED
- Country availability whitelist/blacklist not published
GENERAL QUESTIONS.
No, the Moto Card is not a traditional credit card that gives you a line of credit. Moto describes itself as a spend card where you load collateral (assets) and then spend against that collateral. Any spending is paid back by debiting your deposited assets at the end of the month, rather than borrowing from the issuer.
Yes. To apply for membership and access the Moto Card, you must provide accurate personal information (name, contact info, and other details) as part of the application process. This is required as part of the Terms of Service.
No. Moto is not a bank, and deposited digital assets are not insured in the way bank deposits often are.The site explicitly states that assets are collateralized against spending, and Moto is not a bank