Our verdict
Cheapest stablecoin spending in EU. Availability is european economic area (eu member states plus iceland, liechtenstein and norway); brazil; singapore. availability and card type vary by market.. The spreadsheet currently records free for recurring or annual fees and 2–5% cashback (usdg only; non-vip ~$5–10/mo cap) for rewards.
Rewards
Published reward: 2–5% cashback (USDG only; non-VIP ~$5–10/mo cap). 2–5% cashback (USDG only; non-VIP ~$5–10/mo cap)
Stablecoin yield
Spreadsheet value: USDG up to 10% APY (not in EEA).
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% FX |
| Conversion | Not publicly confirmed |
| ATM | Not publicly confirmed |
| Limits | Limits vary by market and account; purchase/cashback caps are displayed 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
Custodial account. Card type: Debit (backend credit). Identity checks: Full (Level 4).
Availability
European Economic Area (EU member states plus Iceland, Liechtenstein and Norway); Brazil; Singapore. Availability and card type vary by market.
Regional summary: EEA (EU+Norway), Brazil, Singapore.
Pros and cons
Potential strengths
- + Cheapest stablecoin spending in EU.
- + 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/en-ae/pay
- https://www.okx.com/help/whats-okx-card
- https://www.okx.com/en-gb/help/okx-card-referral-program-faq
Last verified in the spreadsheet: 2026-07-31