0fiat Crypto Card
by 0fiat
- Monthly fee
- Free
- Card fee
- Free
- Top-up fee
- Free
- ID check
- Not needed
- Card
- Virtual
- Phone pay
- No
Our verdict
0fiat is a privacy-minded extension that links a crypto wallet to major online stores. It handles instant non-custodial payments at more than 80 brands with no ID check, though it is not a card in the usual sense.
What we like
- +No identity verification
- +You keep your own keys
- +Works at big retailers including Amazon and Walmart
- +No maintenance or issuance fees
- +Compatible with wallets such as MetaMask and Phantom
Watch out for
- −Not a true debit card, with no physical card or card number
- −Only works at supported merchants
- −Costs are tucked into exchange rate spreads
- −No mobile app or Apple Pay and Google Pay
- −Refunds come back as store credit or gift cards
7.6/10
Editor score
Good
5.0/10
User rating
Based on 23 sources
Lv 0
KYC Level
No KYC
Global
Availability
Available worldwide
Card Overview
Rewards
- Cashback
- 1%
- Cashback Crypto
- —
- Staking Rewards
- —
- Staking APR
- —
- Welcome Bonus
- —
- Referral Bonus
- —
Fees
- Monthly Fee
- Free
- Card Issuance
- Free
- ATM Fee
- —
- FX Fee
- —
- Top-up Fee
- Free
- Decline Fee
- —
Limits
- Daily Spend
- Unlimited
- Monthly Spend
- $2,500
- ATM Withdrawal
- Unlimited
Card Info
- Card Type
- Virtual Card
- Card Network
- Mastercard
- Apple Pay
- —
- Google Pay
- —
KYC Requirements
Level: No KYC
- ✕Email verificationNot Required
- ✕Phone verificationNot Required
- ✕Identity documentNot Required
- ✕Proof of addressNot Required
- ✕Selfie verificationNot Required
Community Sentiment
Community Score
5.0/10
Sourced from
Users describe 0fiat as a real non-custodial, no-KYC checkout option. The extension adds a stablecoin payment choice to ordinary checkouts at over 190 retailers in 45+ countries, and every transaction is signed from the user's own wallet. Reddit users value that it separates spending from any one card issuer, which helps people who move between countries, and video demos show Amazon payments settling instantly with USDT on Solana. The Chrome extension holds 4.9/5 and Trustpilot about 4.2/5, with praise for human support that fixed a failed Flipkart payment within minutes. Downsides are structural: payments run on gift card rails, so refunds return as store credit, cash-like purchases such as Amazon Pay reloads are blocked, and the advertised zero fees still hide an exchange spread. There is no iOS app, and broad extension permissions plus Mixpanel analytics dent its privacy standing.
Category Breakdown
Features
Supported Cryptocurrencies
Networks: Ethereum, BNB Chain, Solana, Tron
Frequently asked questions
Does the 0fiat Crypto Card require KYC?
No. The 0fiat Crypto Card can be issued without identity verification. Limits and fees may be higher than on verified cards.
What fees does the 0fiat Crypto Card charge?
The card has a monthly fee of free, an issuance fee of free, a top-up fee of free. See the fee table above for ATM and decline fees.
Does the 0fiat Crypto 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 0fiat Crypto Card?
It is available worldwide, subject to the issuer's own checks.
Which cryptocurrencies does the 0fiat Crypto Card support?
USDT, USDC.
Last updated August 19, 2026, verified August 13, 2026.