Amp Black Card
by Amp Pay
- Monthly fee
- Free
- Card fee
- Free
- Top-up fee
- Not listed
- ID check
- ID verification
- Card
- Virtual
- Phone pay
- No
Our verdict
Amp Pay Black Card was pitched at US crypto users wanting a plain Visa with up to 4% cashback and a high-yield savings account. Fee-free USD spending and a 12% APY looked attractive on paper.
What we like
- +Cashback up to 4% on every purchase
- +No fees on purchases in US dollars
- +Savings balance earning up to 12% APY
- +Approval without a credit check
- +Free USDC transfers worldwide through the app
Watch out for
- −1% fee on purchases in other currencies
- −Top cashback rate requires referring new users
- −Little published detail on transaction limits
- −Mostly available in the US
- −Relatively new, with a short track record
7.4/10
Editor score
Good
6.0/10
User rating
Based on 31 sources
Lv 3
KYC Level
ID verification
Global
Availability
Available worldwide
Card Overview
Rewards
- Cashback
- 4%
- Cashback Crypto
- —
- Staking Rewards
- Staking APR
- 12%
- Welcome Bonus
- —
- Referral Bonus
- —
Fees
- Monthly Fee
- Free
- Card Issuance
- Free
- ATM Fee
- —
- FX Fee
- 1%
- Top-up Fee
- —
- Decline Fee
- —
Limits
- Daily Spend
- Unlimited
- Monthly Spend
- Unlimited
- ATM Withdrawal
- Unlimited
Card Info
- Card Type
- Virtual Card
- Card Network
- Visa
- Apple Pay
- —
- Google Pay
- —
KYC Requirements
Level: ID verification
- ✓Email verificationRequired
- ✓Phone verificationRequired
- ✓Identity documentRequired
- ✕Proof of addressNot Required
- ✕Selfie verificationNot Required
Community Sentiment
Community Score
6.0/10
Sourced from
Users liked the genuinely self-custodial design, gasless USDC transfers and an app simple enough for family members who are new to crypto, and it earned 4.5/5 across both mobile stores. The rewards proved less dependable. The 4% cashback was promotional and later capped, and the 12% APY relied on the third-party Carrot protocol, which was badly hit by the $285M Drift exploit in April 2026. Futarchy Alpha Inc. announced the product's shutdown on May 5, 2026. Because users held their own keys, principal stayed safe and card pre-orders were refunded, but remaining holders should export their keys before the app closes at the end of 2026.
Category Breakdown
Features
Supported Cryptocurrencies
Frequently asked questions
Does the Amp Black Card require KYC?
Yes. Amp Pay asks for id verification before issuing the card. A government ID is checked, usually alongside email and phone.
What fees does the Amp Black Card charge?
The card has a monthly fee of free, an issuance fee of free, an FX fee of 1%. See the fee table above for ATM and decline fees.
Does the Amp Black Card work with Apple Pay and Google Pay?
Apple Pay is not supported and Google Pay is not supported, according to the issuer.
Which countries can get the Amp Black Card?
It is available worldwide, subject to the issuer's own checks.
Which cryptocurrencies does the Amp Black Card support?
USDC.
Last updated August 19, 2026, verified August 6, 2026.