Ethena Pay Card logo

Ethena Pay Card

by Ethena Pay
Virtual•Non-exchange
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Virtual Visa Spend Card from Ethena Pay that lets eligible non-U.S. users spend through a non-custodial money app, earn tiered AVAX cashback up to 5%, and add the card to Apple Pay.

Pros

  • +Official live card page with Standard, Pro, and VIP tiers
  • +Up to 5% crypto cashback paid in AVAX
  • +No account opening, monthly, inactivity, FX, or cross-border markup fees
  • +Apple Pay support with Google Pay marked as coming soon
  • +Non-custodial app design where users keep control of wallet assets

Cons

  • -Spend Card is not available to U.S. citizens, U.S. residents, or other U.S. persons
  • -Card features, eligibility, and availability vary by jurisdiction
  • -Cashback rates step down after monthly spend bands
  • -Cashback is paid in AVAX, whose value can move after crediting
  • -Google Pay is not live yet on the public page
8.7/10
Overall
Excellent
★★★☆☆
8.7/10
Community Score
Based on 4 sources
Required
KYC Level
ID Verification
🌐
49 countries
Availability
✓ Live in 49 countries across Latin America, the Caribbean, Asia & the Middle East, Africa, and Oceania; Spend Card is not offered to U.S. persons

Card Overview

Ethena Pay Card Standard card

Standard

Entry tier for eligible Ethena Pay users with strong first-band card cashback

No account opening, monthly, or inactivity fee
4% cashback on the first $2,500 of monthly qualifying card spend
1% cashback from $2,500 to $4,000 monthly spend
0% cashback after $4,000 monthly spend
Daily Boost up to 5% per annum on eligible balance up to $5,000
Features
✓Virtual Visa Spend Card
✓Apple Pay support
✓Non-custodial Ethena Pay wallet
✓Cashback credited in AVAX
Ethena Pay Card Pro card

Pro

Higher tier for users who qualify through subscription or referrals

Pro is available via subscription or referrals
4.5% cashback on the first $8,000 of monthly qualifying card spend
2% cashback from $8,000 to $10,000 monthly spend
1% cashback from $10,000 to $12,000 monthly spend
0.5% cashback after $12,000 monthly spend
Features
✓Virtual Visa Spend Card
✓Apple Pay support
✓Higher cashback bands than Standard
✓Daily Boost up to 6% per annum on eligible balance up to $15,000
Ethena Pay Card VIP card

VIP

Top tier for the highest published Ethena Pay cashback bands

Eligibility depends on Ethena Pay tier rules
5% cashback on the first $20,000 of monthly qualifying card spend
2% cashback from $20,000 to $30,000 monthly spend
1% cashback from $30,000 to $40,000 monthly spend
0.5% cashback after $40,000 monthly spend
Features
✓Virtual Visa Spend Card
✓Apple Pay support
✓Highest published card cashback tier
✓Daily Boost up to 6% per annum on eligible balance up to $50,000

KYC Requirements

Level: ID Verification
✓Email VerificationRequired
✓Phone VerificationUnconfirmed
✓Identity DocumentRequired
✓Proof of AddressUnconfirmed
✓Selfie VerificationUnconfirmed

Features

VisaVirtual CardApple PayAVAX CashbackUSDe BalanceDaily BoostNon-CustodialRain Program ManagementThird National IssuerPasskeys

Payment Methods

✓Apple PaySupported
×Google PayNot supported

Networks

Avalanche

Supported Cryptocurrencies

Ethena USDe (USDe)USDe
Avalanche (AVAX)AVAX