Our verdict
Best for: Existing Binance users in Europe or APAC who hold BNB
Binance Card earns up to 8% cashback in BNB, but the realistic rate of ~1% tells the real story: the top tiers require holding 6,000+ BNB (roughly $3M+), making them inaccessible to most users. Zero FX markup and zero fees are genuine positives. Only available in Europe, LatAm, and APAC, not the US or UK. If you're already a Binance user with meaningful BNB holdings, the card adds passive value. For everyone else, the headline rate is misleading.
Specifications
| Card network | Visa |
|---|---|
| Provider | Binance Exchange |
| Funding model | Pre-funded debit (you load crypto/stablecoins to spend) |
| Settlement currency | EUR |
| Available in | Brazil (primary), Peru, Colombia. Some CIS expansion via Mastercard. NOT Europe / UK/US, original European program discontinued Dec 2023. |
| Supported chains | Off-chain (Binance internal) |
| Supported assets | BTC, ETH, BNB, USDT, BUSD, SXP, ADA, XRP + 14 total |
| Issuance fee | $0 |
| Monthly fee | $0 |
| FX markup | 0% |
| ATM fee | Free or not disclosed |
| Top-up fee | 0% |
| Foreign transaction fee | 0.9% |
| Cashback | Up to 2% in BNB (realistic ~1%) |
| Staking required | Yes, 0 to 4000000 in BNB |
| Daily spend limit | $8700 |
| Monthly spend limit | , |
| Daily ATM limit | $290 |
| Last verified | 2026-04-30 |
What to watch out for
- No issuance or monthly fee
- up to 8% cashback in BNB but requires holding 6,000 BNB (~$4M+) for top tier
- 0.9% transaction fee on all spending
- supports Apple Pay, Google Pay, Samsung Pay
- auto top-up feature
- $25 fee for card replacement
Editorial notes
- Binance Card is one of the longest-running exchange cards
- cashback tier system: 0.1% / 1% / 2% / 3% / 5% / 8% based on BNB holdings
- settled in EUR primarily
- Binance exchange has 250M+ users globally but card availability limited to Europe + select LATAM.
Frequently asked questions
Where is the Binance Card available?
As of 2026-04-30, Binance Card is available to residents of Latin America. Specific country list: Brazil (primary), Peru, Colombia. Some CIS expansion via Mastercard. NOT Europe / UK/US, original European program discontinued Dec 2023..
How does the Binance Card cashback work?
Binance Card offers up to 2% cashback paid in BNB. Original European Visa card discontinued December 2023 after Binance/Visa partnership ended. Relaunched October 2025 as Brazil-only Mastercard (issued via Dock). Tiered spend-to-unlock cashback paid in BRL: 0.5% (Tier 1, <500 BRL), 1% (500-2500 BRL), 1.5% (2500-5000 BRL), 2% (>5000 BRL/mo, capped at 120-250 BRL). 0.9% conversion fee, 1-2% FX. Funds spend directly from Flexible Earn (still earning yield). NO STAKING REQUIRED on relaunched card. In practice, the realistic effective rate for most users is around 1%.
What are the fees on the Binance Card?
Binance Card has no issuance fee, no monthly fee, no FX markup. See the spec table above for ATM and top-up fees.
Does Binance Card hold my crypto?
Yes. Binance Card is a pre-funded card. You transfer crypto or stablecoins to a balance held by the provider, which the card then spends from. This is custodial: the issuer controls the funds while they sit there.
Last verified 2026-04-30. Rates and availability change frequently. Always confirm with the issuer before signing up. See our methodology for how we collect and verify this data.