Binance Card
Issued by Binance on the Mastercard network
- KYC required
- 3% cashback
- Custodial
- Physical
- Virtual
The debit card from the largest exchange by trading volume, letting you spend ten assets — stablecoins included — straight from your Binance balance without converting to fiat first.
Verdict
A no-fee card from the largest exchange by trading volume, with a feature its rivals do not match: you can spend ten different assets — four of them stablecoins — straight from your balance, with conversion happening at checkout instead of in advance. Up to 3% cashback, no annual fee, no issuing fee, and full card controls including instant alerts, freeze/unfreeze and proper dispute and chargeback support.
- Best for: People already holding balances on Binance who want to spend stablecoins directly, without pre-converting
- Less suited to: Anyone whose country is not part of the current regional rollout
At a glance
- Up to 3% cashback on spending
- No annual fee and no issuing fee
- Spend USDC, USDT, FDUSD, BNB, BTC, ETH, SOL, XRP, LTC and ADA without pre-converting
- Instant alerts, freeze/unfreeze and spending controls
- Dispute and chargeback support
Who can get it
Binance's card page presents a LATAM regional selector, and the product is offered on a region-by-region basis rather than globally. Note that the earlier European version of the Binance Card — the one widely written up as paying up to 8% back in BNB — was discontinued; a lot of older reviews still quote that rate. Check availability for your own country before applying.
How it works
- Hold a verified Binance account with a funded balance.
- Apply for the card — there is no issuing fee.
- Spend directly from your crypto balance; conversion happens at the point of sale rather than in advance.
Strengths and trade-offs
Strengths
- No annual fee and no issuing fee
- Unusually broad list of directly spendable assets, including four stablecoins
- No need to pre-convert to fiat before spending
- Backed by the largest exchange by trading volume
- Proper card controls: instant alerts, freeze/unfreeze, dispute and chargeback support
Trade-offs
- Cashback tops out at 3%
- Offered region by region rather than globally — the card page defaults to a LATAM selector
- The earlier European card was discontinued, so older reviews still quote rates that no longer apply
- Custodial — Binance holds the assets backing the card
| Issuer | Binance |
|---|---|
| Card network | Mastercard |
| Card type | Physical, Virtual |
| KYC requirement | Verified Binance account required; availability is regional |
| Cashback | Up to 3% cashback |
| Annual fee | Free (no annual or issuing fee) |
| Custody model | Custodial |
| Supported assets | USDC, USDT, FDUSD, BNB, BTC, ETH, SOL, XRP, LTC, ADA |
This link is a referral/affiliate link — we may earn a commission if you sign up, at no extra cost to you. It never changes the fees, KYC requirements, or cashback terms shown above.
Every figure above was checked against Binance's own card page on 2026-07-31. Terms, fees and rewards change frequently — confirm current details directly with the issuer before applying. We publish no star ratings of our own and take no payment for placement. This is not financial advice.
Common questions about the Binance Card
Does the Binance Card still pay 8% cashback?
No. Binance's current card page advertises up to 3% cashback. The 8%-in-BNB figure comes from the earlier European version of the card, which was discontinued — many older reviews still quote it.
Which cryptocurrencies can I spend with the Binance Card?
Binance lists USDC, USDT, FDUSD, BNB, BTC, ETH, SOL, XRP, LTC and ADA as spendable directly, without needing to convert to fiat in advance.
Are there any fees to get the card?
Binance advertises no annual fees and no issuing fees. That covers holding and getting the card; network, FX and ATM terms are set per region, so confirm those for your country.
Is the Binance Card available in my country?
Availability is regional — the card page presents a LATAM selector. Check Binance's own card page for your country before applying, as the product is not offered everywhere.