Our verdict
Borrow-or-spend Availability is available to eligible residents of the european economic area and selected additional markets, including argentina. country eligibility is checked during application. supported countries austria belgium cyprus czechia germany denmark spain finland france greece croatia hungary ireland italy lithuania luxembourg latvia malta the netherlands poland portugal romania sweden slovenia slovakia. The spreadsheet currently records free for recurring or annual fees and up to 2% for rewards.
Rewards
Published reward: Up to 2%. Up to 2%
Stablecoin yield
Spreadsheet value: Earn up to 13% interest.
Stablecoin yield may be a separate provider product or balance feature. It is not guaranteed card cashback, and rates, eligible assets and regional terms can change.
Fees
| Annual / recurring | Free |
|---|---|
| FX | 0.2% wkdy FX (EEA/UK/CH) |
| Conversion | Not publicly confirmed |
| ATM | Not publicly confirmed |
| Limits | Limits depend on loyalty tier, verification, available balance/credit line and region; shown in app. |
Apple Pay and Google Pay
Yes
Yes
A blank spreadsheet wallet field is shown as “Not publicly confirmed,” not “No.” Wallet support can vary by issuing region.
Custody and payment model
Custodial account. Card type: Debit + Credit (borrow). Identity checks: Full.
Availability
Available to eligible residents of the European Economic Area and selected additional markets, including Argentina. Country eligibility is checked during application. Supported Countries Austria Belgium Cyprus Czechia Germany Denmark Spain Finland France Greece Croatia Hungary Ireland Italy Lithuania Luxembourg Latvia Malta The Netherlands Poland Portugal Romania Sweden Slovenia Slovakia
Regional summary: Europe + Argentina.
Pros and cons
Potential strengths
- + Borrow-or-spend
- + Official application route available
- + Product facts maintained in the Cards spreadsheet
Limitations
- − Eligibility varies by region
- − Rewards and rates can be conditional
- − Unknown fields require provider confirmation
Risks and detailed terms
Crypto conversion, custody, issuer, network, market and stablecoin risks may apply. Headline rewards and yields are not guaranteed for every user. Review the provider’s current fees, eligibility and cardholder terms before applying.
Official sources
Last verified in the spreadsheet: 2026-07-31