CryptoCardsPerks
Trustee Card
6.1/10
Ranked #49 of 76
Overview
The Cypher Card is a non-custodial crypto card aimed primarily at users in a wide range of regions. It runs on the Mastercard network, so it's accepted anywhere Mastercard is, and supports Apple Pay and Google Pay for tap-to-spend. In our ranking it currently sits at #49 of 76 cards, with an overall score of 6.1 out of 10.
★ Cypher Card referral code
CYPHER9152
New users who sign up with this code typically get a welcome reward credited after your first top-up. Rewards vary by region and are set by Cypher Card.
Rating breakdown
How the Cypher Card scores across the categories we weigh into its overall 6.1/10.
Fees & value5.8
Rewards6.2
Ease of use6.1
Security & custody6.6
Availability6.6
Cashback & rewards
Spending on the Cypher Card earns cashback, starting around 1% on the base tier. Higher rates are typically unlocked by staking the provider's token or moving up to a paid plan, and base-tier rewards are usually capped monthly. Here's how the tiers generally compare:
| Tier | Requirement | Cashback | Monthly cap |
|---|---|---|---|
| Starter | No stake required | 1% | ~30 / month |
| Plus | Token stake or paid plan | 3% | ~100 / month |
| Premium | Higher stake / top tier | 6% | Higher or uncapped |
Cashback is usually paid in the provider's token or in stablecoin. Exact rates, caps and the assets you can earn vary by region — confirm current numbers on the official site.
Fees & limits
A snapshot of the typical fee structure. Always verify the live figures before applying, as providers adjust these often.
| Fee | Typical amount |
|---|---|
| Monthly fee | Free |
| Card issuance | Free |
| Card spend (USD)Fee on purchases made in US dollars | 0% |
| FX fee (non-USD transactions)Charged when you spend in a currency other than USD | 0% |
| ATM withdrawals | 2% after free limit |
How to get the Cypher Card
- Download the Cypher Card app or open the provider's website.
- Create an account and complete KYC with a photo ID and selfie.
- Enter referral code CYPHER9152 during sign-up to claim any welcome perk.
- Connect or fund your self-custody wallet, then order your physical card or start using the virtual card.
- Add the card to Apple Pay or Google Pay to tap and spend.
Pros & cons
Pros
- Earns up to 1% cashback on eligible spending
- Physical card available for in-store and ATM use
- Works with Apple Pay and Google Pay
- Non-custodial — you stay in control of your funds
Cons
- Requires full KYC (government ID + selfie)
- Higher tiers may require staking or a monthly fee
Who it's for
Cypher Card suits users almost anywhere who want to keep custody of their own crypto while still being able to spend it. Be ready to complete standard identity verification during signup.
Frequently asked questions
Does the Cypher Card offer cashback?
Yes. The Cypher Card pays cashback starting around 1% on the base tier, with higher rates available on upgraded or staked tiers. Base rewards are usually capped monthly.
Is the Cypher Card available in my country?
The Cypher Card is available across a broad range of countries. Always confirm your specific country is supported on the provider's official site before applying.
Does the Cypher Card require KYC?
Yes. The Cypher Card requires standard KYC — typically a government ID and a selfie — during sign-up.
Is the Cypher Card custodial or non-custodial?
The Cypher Card is non-custodial, meaning you keep control of your own funds and can move them without the provider.
What network does the Cypher Card run on?
The Cypher Card runs on the Mastercard network, so it's accepted wherever Mastercard is supported, and it works with Apple Pay and Google Pay.