Why it stands out
- The ongoing 2% base rate has a disclosed $100 monthly cap.
- Current docs list $0 annual, deposit and USD payment fees.
- The digital Visa card supports both major phone-wallet routes.
Jupiter conceptNot actual design
Stablecoin account + Visa card
Jupiter Card
A digital Visa debit card that turns USDC deposits into a USD spend balance. The current offer pays 2% base cashback in USDC and up to 4% for the following calendar month after two qualifying referrals; issuer-specific FX and the digital-only format are the main trade-offs.
High cashbackNo CEXUS availableClear feesTiered rewardsFree base plan
50 active countries after two country pauses, plus 31 active US states. Availability is not universal.
View Jupiter Compare card
$20 after qualifying Jupiter Card spend
- Open Jupiter using this referral link and complete KYC.
- Activate the Jupiter Card.
- Spend $1,000 on qualifying card purchases within 30 days of activation.
- If the referral is not shown automatically, enter code ZEJ8C4ZS.
Main trade-offs
- Two qualifying referrals unlock 4% only for the next calendar month.
- Rain currently charges 1% FX while DCS charges 1.8%, based on country.
- The physical card is announced; current access remains digital-only.
01 · Core economics
Costs that matter
Start with the recurring plan cost, funding, FX and cash-access fees. These numbers drive most of the real-world cost.
ItemStandard tierWhat it means
Monthly plan$0/moNo recurring monthly plan fee in the approved offer
Top-up0%No stated provider funding surcharge
Foreign exchange1% or 1.8%Rain or DCS is assigned by country: Rain charges 1%; DCS charges 1.8%.
Card spending0%No listed base spend fee
Limits and secondary feesLimits and other fees
ATM withdrawalNot availableListed
Declined transactionNot disclosedListed
Daily card spendDCS: $50,000/day; Rain: no disclosed daily limitListed
Monthly card spendMonthly limit not disclosed; DCS lists $990,000/year and Rain no disclosed annual limitListed
ATM limitNot available on the current digital-only cardListed
Account depositNo minimum USDC deposit; maximum is not disclosedListed
02 · Rewards programme
2% base, 4% qualifying-referral boost
Jupiter Card has a conditional rewards ladder rather than an automatic headline rate. The approved profile confirms 2% to 4% cashback in USDC.
Lowest approved purchase reward rate
At least two qualifying referrals in the prior calendar month; applies for the following calendar month
USDC
Approved programme cap
03 · Everyday use
The essentials are covered
Card access, mobile wallets and account rails are separated so missing channels are easy to spot.
Card access
- Visa networkAvailable
- Virtual cardAvailable
- Physical cardNot available
- ATM withdrawalsNot available
Wallets & apps
- Apple PayAvailable
- Google PayAvailable
- iOS appAvailable
- Android appAvailable
- Web appNot confirmed
Account rails
- Stablecoin depositsAvailable
- USD bank detailsAvailable
- EUR bank detailsAvailable
- Local payoutsAvailable
- Card-funded top-upsCountry-specific
04 · Money in and out
How money enters, settles and leaves Jupiter
Receive and send rails are separated. Fees, speed, limits and availability stay attached to the route where they apply.
Money inWays to fund or receive · 3 routesCrypto depositsUSDCBank depositsUSDEUR
Crypto deposits
1 route
Crypto deposits
USDC converts 1:1 into the USD spend balance at deposit
USDCSolanaSuiArbitrumBase
- Fee
- 0%
- Speed
- Not confirmed
- Limits
- Not confirmed
- Availability
- Confirmed scope
Route details
Fee components
- 0% · transfer
Asset / network map
USDC: Solana, Sui, Arbitrum, Base
Availability
Supported asset and network combinations
Limit scope
Deposit limits not publicly confirmed
Restrictions
Solana has no flat Jupiter fee, but a new token account may require about 0.002 SOL.
Bank deposits
2 routes
USD virtual account receive
A separate receive rail; direct fiat card deposits are not currently available.
USD
- Fee
- Not confirmed
- Speed
- Not confirmed
- Limits
- Not confirmed
- Availability
- Confirmed scope
Route details
Fee components
- Fee not publicly confirmed
Availability
A separate receive rail; direct fiat card deposits are not currently available.
Fee scope
Not disclosed in the reviewed FAQ
Limit scope
Not publicly confirmed
Account setup
virtual account
EUR virtual account receive
Availability depends on country of residence; it is not a direct fiat card deposit.
EUR
- Fee
- Not confirmed
- Speed
- Not confirmed
- Limits
- Not confirmed
- Availability
- Region-dependent
Route details
Fee components
- Fee not publicly confirmed
Availability
Availability depends on country of residence; it is not a direct fiat card deposit.
Fee scope
Not disclosed in the reviewed FAQ
Limit scope
Not publicly confirmed
Account setup
virtual account
Balance & conversionAccount balance
Funds sit in a custodial account balance before card spend or payout.
What happens on receipt
How a received asset reaches the spendable balance depends on the supported asset and account setup.
Money outWays to send, withdraw or settle · 1 routeBank transfers & payoutsSWIFTLocal bank20 payout currencies
Bank transfers & payouts
1 route
Noah local and SWIFT payouts
Availability and currency support must be checked in-app; do not treat this as universal payout coverage.
AEDBRLCADEUR20 currencies
- Fee
- 0%
- Speed
- 1–3 business days
- Limits
- $10,000 / transfer
- Availability
- 200+ countries
Route details
Fee components
- 0% · transfer
More assets, currencies or networks
GBP, IDR, INR, JPY, MAD, MXN, MYR, NGN, PHP, SAR, SGD, THB, TRY, TWD, USD, VND
Availability
Region- and currency-dependent; SWIFT to 200+ countries and 20 listed local payout currencies
Limit scope
Up to $10,000 per transfer
Restrictions
Availability and currency support must be checked in-app; do not treat this as universal payout coverage.
05 · Optional product
Earn is separate from the card
This yield product requires a separate deposit. APY is variable, and neither return nor principal is guaranteed.
Optional yield
Jupiter Lend Earn
Variable by asset
- Yield source
- Interest paid by overcollateralized Jupiter Lend borrowers
- Yield mechanism
- Lending pool
- Protocols
- Jupiter Lend
- Risk exposure
- smart contracts, oracle, counterparty, market, liquidity, stablecoin peg
- Redemption
- JL Tokens redeem the underlying and accrued yield; dynamic withdrawal limits can delay full liquidity.
- Assets
- USDC, SOL, JupUSD
- Spend directly from Earn balance
- No
- Withdraw anytime
- Yes
- Deposit insurance
- No
Risk noteVariable APY, custody, smart-contract, liquidity, protocol, counterparty and market risks may apply. Treat Earn/vault balances as separate yield exposure; access to funds depends on the provider's current withdrawal, card and collateral rules.
06 · Trust and eligibility
Where Jupiter is available — and who runs each part
Eligibility, identity checks and provider responsibilities are kept separate.
Identity & KYC
Identity verification is required to access card services.
- Verification provider
- Sumsub
Availability
Country-specific card access is listed below. The current model does not yet prove that the list is exhaustive.
Countries explicitly listed53 countries
Antigua and BarbudaArgentinaAustraliaBahamasBangladeshBarbadosBelizeBoliviaBrazilCayman IslandsColombiaCosta RicaCote d'IvoireDominicaDominican RepublicEcuadorEgyptEl SalvadorGhanaGrenadaGuatemalaGuyanaHondurasJapanKenyaMalaysiaMexicoMoroccoNew ZealandNigeriaPakistanPanamaParaguayPeruPhilippinesSaint Kitts and NevisSaint LuciaSaint Vincent and the GrenadinesSenegalSingaporeSouth AfricaSouth KoreaSurinameTaiwanThailandTrinidad and TobagoTurks and Caicos IslandsUgandaUnited Arab EmiratesUnited StatesUruguayVietnamZambia
Known restrictions197 countries
AfghanistanAland IslandsAlbaniaAlgeriaAmerican SamoaAndorraAngolaAnguillaAntarcticaArmeniaArubaAustriaAzerbaijanBahrainBelarusBelgiumBeninBermudaBhutanBonaire, Sint Eustatius and SabaBosnia and HerzegovinaBotswanaBouvet IslandBritish Indian Ocean TerritoryBruneiBulgariaBurkina FasoBurundiCabo VerdeCambodiaCameroonCanadaCentral African RepublicChadChileChinaChristmas IslandCocos (Keeling) IslandsComorosCongoCongo, Democratic Republic of theCook IslandsCroatiaCubaCuracaoCyprusCzechiaDenmarkDjiboutiEquatorial GuineaEritreaEstoniaEswatiniEthiopiaFalkland IslandsFaroe IslandsFijiFinlandFranceFrench GuianaFrench PolynesiaFrench Southern TerritoriesGabonGambiaGeorgiaGermanyGibraltarGreeceGreenlandGuadeloupeGuamGuernseyGuineaGuinea-BissauHaitiHeard Island and McDonald IslandsHoly SeeHong KongHungaryIcelandIndiaIndonesiaIranIraqIrelandIsle of ManIsraelItalyJamaicaJerseyJordanKazakhstanKiribatiKosovoKuwaitKyrgyzstanLaosLatviaLebanonLesothoLiberiaLibyaLiechtensteinLithuaniaLuxembourgMacaoMadagascarMalawiMaldivesMaliMaltaMarshall IslandsMartiniqueMauritaniaMauritiusMayotteMicronesiaMoldovaMonacoMongoliaMontenegroMontserratMozambiqueMyanmarNamibiaNauruNepalNetherlandsNew CaledoniaNicaraguaNigerNiueNorfolk IslandNorth KoreaNorth MacedoniaNorthern Mariana IslandsNorwayOmanPalauPalestinePapua New GuineaPitcairnPolandPortugalPuerto RicoQatarReunionRomaniaRussiaRwandaSaint BarthelemySaint Helena, Ascension and Tristan da CunhaSaint MartinSaint Pierre and MiquelonSamoaSan MarinoSao Tome and PrincipeSaudi ArabiaSerbiaSeychellesSierra LeoneSint MaartenSlovakiaSloveniaSolomon IslandsSomaliaSouth Georgia and the South Sandwich IslandsSouth SudanSpainSri LankaSudanSvalbard and Jan MayenSwedenSwitzerlandSyriaTajikistanTanzaniaTimor-LesteTogoTokelauTongaTunisiaTurkeyTurkmenistanTuvaluUkraineUnited KingdomUnited States Minor Outlying IslandsUzbekistanVanuatuVenezuelaVirgin Islands, BritishVirgin Islands, U.S.Wallis and FutunaWestern SaharaYemenZimbabwe
Who handles what
Only concrete responsibilities and identified organisations are shown.
RoleHandled byResponsibility and scope
Card productJupiter
Public-facing product and account experience; legal operators are listed separately when confirmed.
Custody controlJupiter + programme partners
Controls settlement until payment.
Custodial accountCard issuerRain
Card issuance and partner-managed spend balance for assigned users.
Applies to: Depends on country of residence; the exact assignment matrix is not published.Card issuerDCS
Card issuance and partner-managed spend balance for assigned users.
Applies to: Depends on country of residence; the exact assignment matrix and programme-specific legal entity are not published.Identity verificationSumsub
Runs identity verification for the applicable programme.
Deposits & withdrawalsNoah
Supports deposit, withdrawal or conversion rails.
07 · Methodology
Why the score is 71
The score weighs practical costs, rewards, daily usability, funding and transfers, eligibility, custody, and the company and provider stack. Undisclosed data does not boost the score.
71/100
GoodHigher is better
Key score driversLargest effects after applying the Overall category weights
Strongest lift77
Cost efficiency
No monthly fee, 1.8% FX fee and 0% conversion fee shape the day-to-day cost profile.
Additional support80
Everyday usability
Visa spending includes virtual card, Apple Pay and Google Pay.
Main constraint47
Custody & control
Custodial account; the account provider controls funds before card settlement.
08 · Evidence
Sources
31 sources18 officialChecked Jul 14, 2026
We review every published fact and value on this page against source evidence. Official product, fee, membership and legal sources are used for the terms that affect cost, eligibility, rewards and custody.
Primary sourcesOfficial product, fee, membership and legal pages
Help keep this page accurate
Found outdated or incorrect information?
Tell us what changed and, if possible, include an official source. We review corrections before updating public card facts.