CryptoCardsPerks
ZEN Card
5.6/10
Ranked #61 of 76
Overview
The HyperCard is a non-custodial crypto card aimed primarily at users in USA. 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 #61 of 76 cards, with an overall score of 5.6 out of 10.
★ HyperCard referral code
HYPERC4942
New users who sign up with this code typically get bonus cashback for your first 30 days. Rewards vary by region and are set by HyperCard.
Rating breakdown
How the HyperCard scores across the categories we weigh into its overall 5.6/10.
Fees & value5.5
Rewards5.8
Ease of use5.7
Security & custody6.1
Availability5.4
Cashback & rewards
Spending on the HyperCard earns cashback, starting around 3% 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 | 3% | ~30 / month |
| Plus | Token stake or paid plan | 5% | ~100 / month |
| Premium | Higher stake / top tier | 8% | 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 | $9.99 |
| 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 | 1.5% after free limit |
How to get the HyperCard
- Download the HyperCard app or open the provider's website.
- Create an account and complete KYC with a photo ID and selfie.
- Enter referral code HYPERC4942 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 3% 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)
- Availability limited mainly to USA
Who it's for
HyperCard suits people based in USA 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 HyperCard offer cashback?
Yes. The HyperCard pays cashback starting around 3% on the base tier, with higher rates available on upgraded or staked tiers. Base rewards are usually capped monthly.
Is the HyperCard available in my country?
The HyperCard is primarily available in USA. Check the provider's site for the current list of supported countries.
Does the HyperCard require KYC?
Yes. The HyperCard requires standard KYC — typically a government ID and a selfie — during sign-up.
Is the HyperCard custodial or non-custodial?
The HyperCard is non-custodial, meaning you keep control of your own funds and can move them without the provider.
What network does the HyperCard run on?
The HyperCard runs on the Mastercard network, so it's accepted wherever Mastercard is supported, and it works with Apple Pay and Google Pay.