CryptoCardsPerks
Embily Card
4.5/10
Ranked #72 of 76
Overview
The OWNR Card is a non-custodial crypto card aimed primarily at users in Europe. It runs on the Visa network, so it's accepted anywhere Visa is, and supports Apple Pay and Google Pay for tap-to-spend. In our ranking it currently sits at #72 of 76 cards, with an overall score of 4.5 out of 10.
★ OWNR Card referral code
OWNR3225
Using a referral code at sign-up may unlock a welcome perk where OWNR Card offers one. Availability and amounts are set by the provider and vary by region.
Rating breakdown
How the OWNR Card scores across the categories we weigh into its overall 4.5/10.
Fees & value4.8
Rewards4.0
Ease of use4.7
Security & custody5.3
Availability4.3
Cashback & rewards
The OWNR Card does not currently offer cashback or a rewards program. It's built around simple, low-cost spending rather than earning points, which can be the better trade if you value low fees and simplicity over rewards.
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 | 0.5% |
| ATM withdrawals | 1.5% after free limit |
How to get the OWNR Card
- Download the OWNR Card app or open the provider's website.
- Create an account and complete KYC with a photo ID and selfie.
- Enter referral code OWNR3225 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
- 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
- No cashback or rewards on spending
- Requires full KYC (government ID + selfie)
- Availability limited mainly to Europe
Who it's for
OWNR Card suits people based in Europe 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 OWNR Card offer cashback?
No. The OWNR Card does not currently offer cashback. It focuses on simple, low-cost spending instead of rewards.
Is the OWNR Card available in my country?
The OWNR Card is primarily available in Europe. Check the provider's site for the current list of supported countries.
Does the OWNR Card require KYC?
Yes. The OWNR Card requires standard KYC — typically a government ID and a selfie — during sign-up.
Is the OWNR Card custodial or non-custodial?
The OWNR Card is non-custodial, meaning you keep control of your own funds and can move them without the provider.
What network does the OWNR Card run on?
The OWNR Card runs on the Visa network, so it's accepted wherever Visa is supported, and it works with Apple Pay and Google Pay.