Moto Card
Limited availability. Apply for access This card is excluded from recommendations and rankings.
Visa Infinite credit card with a self-custodial wallet: deposit fiat or USDC and receive a collateral-backed credit limit. Membership $2,500 per year or $250 per month; points 1x, 3x on dining and retail, 5x on travel; zero FX fees, lounge access and EUR virtual IBANs. Access by application.
Base cashback
Max cashback
Base fee
$2,500/yearConditions apply: tap or hover for detailsShow source
FX fee
0%Show source
ATM fee
Card fee
Credit line
YesShow source
Staking needed
Tap a value for its source. * = conditions apply.
At a glance
Pros
- No FX markup from the issuer
- Self-custody: funds stay in your own wallet
- Real credit line
Cons
- Annual cost $2,500 (Or $250 per month)
Good for
- People who want to keep control of their keys
- Users who need credit rather than a debit/prepaid card
- Frequent travellers
Not for
Not enough data to say.
Risks to understand
- Self-custody: losing your keys or signing a malicious transaction can mean losing funds.
- Smart-contract and bridge risk applies to on-chain balances.
★ Our pickEditorial choice · score unchanged · Affiliate link
The card we recommend as an alternative to Moto Card:
Crypto native · ether.fi
Why we recommend it
- 3% cashback in ETHFI on up to $2,000 of spend a monthConditions apply
- 5.35% variable interest on your balanceConditions apply
- No annual or monthly fee on the base tierConditions apply
- Extras on the base tier: airport lounge access, travel / rental car insurance, purchase protectionConditions apply
- Self-custody: funds stay in your own walletConditions apply
Conditions apply; the review lists them with sources.
All details
Fees3/15
- Annual fee
$2,500/yearConditions apply: tap or hover for detailsShow source
Or $250 per month
- Monthly fee
$250/monthConditions apply: tap or hover for detailsShow source
Monthly membership option
- FX fee
0%Show source
Not yet researched: Physical card fee, Virtual card fee, Replacement fee, Crypto conversion fee, Top-up fee, Crypto withdrawal fee, ATM fee, Free ATM allowance, Transfer fee, Settlement fee, Small transaction fee, Other fees & markups.
Cashback & rewards1/14
- Cashback type
PointsShow source
Not yet researched: Base cashback, Max cashback, Cashback paid in, Interest on balance, Cashback-eligible spend cap, Max cashback per month, Cashback conditions, Staking / holding required for top rewards, Staking asset, Capital required for top rewards, Minimum balance, Reward expiry / vesting, Reward exclusions.
Credit & financing2/11
- Credit line
YesShow source
- Credit type
Crypto-backed creditShow source
Not yet researched: Collateral assets, Max loan-to-value, Interest (APR), Interest notes, Grace period, Repayment, Liquidation risk, Spend own balance directly, Spend by borrowing against collateral.
Supported countries & currencies1/4
- Own IBAN / bank details
YesShow source
Not yet researched: Available in, Not available in, Account / spend currencies.
Features, wallets & supported assets0/11
No features data published or researched yet.
Security & custody0/3
No security & custody data published or researched yet.
Limits0/2
No limits data published or researched yet.
Product4/7
- Product status
Limited availabilityConditions apply: tap or hover for detailsShow source
Apply for access
- Card type
Crypto-backed creditShow source
- Network
VisaShow source
- Custody model
Self-custodyShow source
Not yet researched: Launch date, Card issuer / program manager, Tiers / plans.
Our rating
| Criterion | Weight | Score |
|---|---|---|
Fees Base-tier subscription ≈ €4783/year | 20% | 0 |
Cashback & rewards | 20% | No data — excluded |
Availability Limited availability | 15% | No data — excluded |
FX & international FX fee 0% | 10% | 100 |
Product features | 10% | No data — excluded |
Custody & security Custody model: self custody | 10% | 80 |
Credit & financing Credit line available | 5% | 70 |
Limits & ATM | 5% | No data — excluded |
Transparency 5 of 5 checked key terms disclosed | 5% | 100 |
Data coverage 50%. Criteria without published data are excluded and their weight is filled with a neutral midpoint, so missing data neither helps nor hurts a card. This score is provisional: it is based on initial research that our research agent has not yet re-verified.
Computed by a fixed formula; affiliate relationships have no influence. How we score
FAQ
Does Moto Card have an annual or monthly fee?
Base tier: $2,500/year (Or $250 per month). Source: Moto Card | Homepage.
What is the FX fee of Moto Card?
0%. Source: Moto Card | Homepage.
Is Moto Card a credit card?
Yes — Crypto-backed credit.
Is Moto Card self-custodial?
Self-custody.
Change history11 entries
- Product status recorded · 22 October 2026 · auto-approved
- Network recorded · 22 October 2026 · auto-approved
- Card type recorded · 22 October 2026 · auto-approved
- Custody model recorded · 22 October 2026 · auto-approved
- Annual fee recorded · 22 October 2026 · auto-approved
- Monthly fee recorded · 22 October 2026 · auto-approved
- FX fee recorded · 22 October 2026 · auto-approved
- Cashback type recorded · 22 October 2026 · auto-approved
- Credit line recorded · 22 October 2026 · auto-approved
- Credit type recorded · 22 October 2026 · auto-approved
- Own IBAN / bank details recorded · 22 October 2026 · auto-approved