MOTO CARD Buy Now, Pay Later
CARD FEATURE OVERVIEW. 
| 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 | NOT DISCLOSED |
HOW THE CREDIT MODEL WORKS
Moto combines its Visa Infinite 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
Points can be redeemed for flights, hotels, or up to $200/month in statement credits.
FUNDING
Crypto deposits require the correct asset, network, and deposit address. Confirmed onchain transactions cannot be reversed.
WHAT MAKES IT DIFFERENT
- Credit spending against deposited collateral
- Self-custody rather than custodial balances
- Global card spending without converting assets per purchase
- Rewards combine everyday, dining, retail, and travel categories
THE REAL STORY ON THIS CARD.
- Self-custodial wallet with onchain infrastructure
- Collateral-backed credit, not prepaid
- 0% FX fees globally
- Up to 5X travel rewards
- 3X rewards dining and retail
- Premium Visa Infinite benefits
- Unlimited airport lounge access
- Travel insurance and hotel benefits
- Dedicated concierge and relationship manager
- $0.01 value per reward point
- High $250 monthly or $2,500 annual fee
- Rewards require meaningful monthly spending
- Higher cashback requires larger balances
- Cashback caps replace guaranteed yield
- Highest tiers require substantial capital
- Membership initially limited to 100 spots
- Application-based access may delay approval
- Best value favors frequent travelers
- Premium benefits may go underused
- APR, ATM and limits and rates undisclosed
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
