Our verdict
Our #1 recommended crypto card right now: €0 issuance and recurring fees, 0% card FX fees, Apple Pay and Google Pay, with EU availability and international Mastercard acceptance. A 0.1% stablecoin-to-euro conversion spread applies in the EEA. Availability is available to residents across the eu and norway 🇪🇺, excluding iceland and liechtenstein; usable worldwide wherever mastercard is accepted 🌍.. The spreadsheet currently records €0 issuance, monthly, annual and inactivity fees for recurring or annual fees and 2% regular usdg cashback; monthly cap applies for rewards.
Rewards
Published reward: 2% regular USDG cashback; monthly cap applies. EEA cashback is paid in USDG; eligible-transaction rules, reward-pool availability and monthly caps apply.
Stablecoin yield
Spreadsheet value: Not publicly confirmed.
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 | €0 issuance, monthly, annual and inactivity fees |
|---|---|
| FX | 0% card FX fee |
| Conversion | 0.1% market spread when converting USDC or USDG to EUR in the EEA |
| ATM | Not applicable to the virtual-only EEA card |
| Limits | Account and transaction limits are shown in the OKX 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
OKX Pay account. Card type: Virtual debit card. Identity checks: Required.
Availability
Available to residents across the EU and Norway 🇪🇺, excluding Iceland and Liechtenstein; usable worldwide wherever Mastercard is accepted 🌍.
Regional summary: 🇪🇺 EU + Norway, 🌍 Worldwide Mastercard acceptance.
Pros and cons
Potential strengths
- + #1 CU recommended · Zero-fee card spending 🇪🇺 🌍
- + 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
- https://www.okx.com/help/whats-okx-card
- https://www.okx.com/en-eu/help/what-fees-apply-when-using-my-card
- https://www.okx.com/en-eu/learn/okx-card-eea-fees-rewards-eligibility
- https://www.okx.com/en-eu/help/mobile-wallet-additional-terms
Last verified in the spreadsheet: 2026-08-26