Main strengths
- Pending Whop balance can be spent immediately without a bank withdrawal.
- Whop pays 5% on ads, content rewards and eligible Uber transport.
- Programme cards support team controls, Apple Pay and Google Wallet.
Whop Card frontCard design
Crypto-backed Visa credit card
Whop Card
Whop Card is a business-only Visa that spends a company's Whop balance, including pending funds, through a collateralized issuer-funded account. It supports virtual and physical programme cards, team controls and phone wallets, while 5% cashback applies only to three named categories.
Low FXNo CEXCategory rewardsPhysical cardStablecoin spendFiat top-up
Main trade-offs
- The card is for commercial use and excludes 17 residence countries.
- FX and cross-border fees are each 1%; whether they stack remains unclear.
- ATM access, card issuance prices and exact collateral assets are undisclosed.
01 · Core economics
Costs that matter
Whop Card's current fee picture is organized by recurring cost, funding, FX and cash access. Items that are not public remain marked as not disclosed.
ItemValueWhat it means
Monthly planNot disclosedCurrent recurring plan cost is not publicly disclosed.
Cash fundingNot disclosedDirect card top-up fee unknown; a provider-account stored-payment-method top-up is 0%
Provider FX markup1%Cashback applies only in named categories, so most foreign spend may have no reward to offset the fee.
Cross-border fee1%Listed separately from the provider or issuer foreign-transaction fee; applicability depends on the transaction.
Card spending0%No listed base spend fee
Limits and secondary feesLimits and other fees
ATM withdrawalATM access, issuer fee and limit are not separately confirmedNot disclosed
Declined transactionNot disclosedNot disclosed
Daily card spendNot disclosedListed
Monthly card spendNot disclosedListed
ATM limitNot disclosedListed
Account depositNot disclosedListed
02 · Category rewards
Whop Card category cashback
Whop Card uses category and merchant rates rather than membership tiers. The summary shows the range and programme-wide cap; the current eligible categories are mapped below.
Purchases outside the named categories earn 0%
Whop ads, Content rewards and Uber transportation only; see the category schedule below
Whop account cash-back credit
Programme-wide cashback-value cap; not eligible spend
Current rate schedule
Cashback by spend category
The rate follows the eligible payment category or route rather than a membership tier. 5% applies only to Whop ads, Content rewards and Uber transportation. Category-specific eligible-spend caps are not disclosed; any programme-wide cashback-value cap is shown in the summary.
CategoryRateEligible purchases and cap
Whop ads5%
Whop ads
Eligible spend cap not disclosedContent rewards5%
Whop content rewards
Eligible spend cap not disclosedUber transportation5%
Eligible Uber transportation
Eligible spend cap not disclosedCashback is credited at Whop's discretion; timing is not guaranteed in Whop account balance. Merchant coding, programme exclusions, reversals and clawbacks still apply.
03 · Everyday use
How the card fits everyday use
See the available card formats, phone wallets and account rails, plus any channels that are still being confirmed.
Card access
- Visa networkAvailable
- Virtual cardAvailable
- Physical cardAvailable
- ATM withdrawalsNot disclosed
Wallets & apps
- Apple PayAvailable
- Google PayAvailable
- iOS appAvailable
- Android appAvailable
- Web appNot disclosed
Account rails
- Crypto depositsVia provider account
- Bank depositsRegion-dependent
- Crypto withdrawalsVia provider account
- Fiat withdrawalsRegion-dependent
- Direct card top-upsNot supported
04 · Money in and out
How money enters, settles and leaves Whop
The card uses the provider account balance. Account funding and withdrawal routes are included only when they feed that same card-linked account; they are not presented as direct card top-ups.
Money inWays to fund or receive3 routes
Crypto deposits
1 route
Crypto depositsCredits the Whop provider-account balance that can fund Whop Card spendingUSDTFeeNot confirmedSpeedNot confirmedLimitsToken, network and limit availability is returned dynamically per destinationAvailabilityConfirmed scopeDetails
Fee components
- Fee not publicly confirmed
Access path
Via provider account
Availability
Supported asset and network combinations
Fee scope
Receive fee not publicly confirmed
Restrictions
USDT is approved for the Whop wallet, but no universal token-and-network deposit matrix is published.
Bank deposits
2 routes
Stored payment method top-upCredits the company platform balance and is not a dedicated direct-card top-up.Fee0%SpeedNot confirmedLimitsNot confirmedAvailabilityConfirmed scopeDetails
Fee components
- 0% · transfer
Access path
Via provider account
Availability
Credits the company platform balance and is not a dedicated direct-card top-up.
Limit scope
Not publicly confirmed
Dynamic bank deposit instructionsThe API enum lists possible rails; it does not promise every rail for every account, country or currency.FeeNot confirmedSpeedVaries by railLimitsNot confirmedAvailabilityRegion-dependentDetails
Fee components
- Fee not publicly confirmed
Access path
Via provider account
Availability
The API enum lists possible rails; it does not promise every rail for every account, country or currency.
Fee scope
Provider-account deposit fees not publicly confirmed
Limit scope
Not publicly confirmed
Balance & conversionHybrid settlement
Funding and settlement cross wallet and provider-controlled account boundaries.
What happens on receipt
Whop Card spends the provider-account balance, so approved account funding routes are shown with provider-account scope.
Money outWays to send, withdraw or settle6 routes
External crypto sends
1 route
Crypto wallet payoutWhop balance withdrawal route; exact assets and networks are returned dynamically.Supported cryptoFee$1 + 5%SpeedVaries by railLimitsNot confirmedAvailabilityRegion-dependentDetails
Fee components
- 5% · transfer
- $1 · transfer
Access path
Via provider account
Availability
Provider account; country, asset and account dependent
Limit scope
Not publicly confirmed
Restrictions
Whop balance withdrawal route; exact assets and networks are returned dynamically.
Bank transfers & payouts
5 routes
Next-day ACH payoutWhop balance withdrawal route, not a direct card payout or purchase fee.USDFee$2.5SpeedVaries by railLimitsNot confirmedAvailabilityRegion-dependentDetails
Fee components
- $2.5 · transfer
Access path
Via provider account
Availability
Provider account; US account and eligibility dependent
Limit scope
Not publicly confirmed
Restrictions
Whop balance withdrawal route, not a direct card payout or purchase fee.
Instant bank RTP payoutInstant access can be unavailable or delayed by compliance review.USDFee$1 + 4%SpeedVaries by railLimitsNot confirmedAvailabilityRegion-dependentDetails
Fee components
- 4% · transfer
- $1 · transfer
Access path
Via provider account
Availability
Provider account; method and account dependent
Limit scope
Not publicly confirmed
Restrictions
Instant access can be unavailable or delayed by compliance review.
Venmo payoutUS-only Whop balance withdrawal route.USDFee$1 + 5%SpeedVaries by railLimitsNot confirmedAvailabilityRegion-dependentDetails
Fee components
- 5% · transfer
- $1 · transfer
Access path
Via provider account
Availability
Provider account; United States only and account dependent
Limit scope
Not publicly confirmed
Restrictions
US-only Whop balance withdrawal route.
Bank wire payoutWhop balance withdrawal route, not a card purchase fee.Fee$23SpeedUp to 5 business daysLimitsNot confirmedAvailabilityRegion-dependentDetails
Fee components
- $23 · transfer
Access path
Via provider account
Availability
Provider account; account and destination dependent
Limit scope
Not publicly confirmed
Restrictions
Whop balance withdrawal route, not a card purchase fee.
International local-bank payoutThe 200+ payout footprint is not a card-issuance allowlist and does not guarantee any specific route.FeeNot confirmedSpeedUp to 5 business daysLimitsNot confirmedAvailabilityRegion-dependentDetails
Fee components
- Fee not publicly confirmed
Access path
Via provider account
Availability
Provider account; advertised in more than 200 countries, but country and account availability is dynamic
Fee scope
Provider payout fee varies by country
Limit scope
Not publicly confirmed
Restrictions
The 200+ payout footprint is not a card-issuance allowlist and does not guarantee any specific route.
05 · Optional product
Add yield through a separate balance
Whop Treasury adds a variable yield option through a separate deposit. Move funds back to the spending balance when direct card spend is not supported.
Optional yield
Whop Treasury
Up to 6% APY
- Yield source
- Aave lending markets accessed through Veda infrastructure
- Yield mechanism
- Lending pool
- Protocols
- Aave
- Strategy manager
- Veda
- Redemption
- Whop says enrolled funds can be withdrawn at any time, subject to programme and protocol conditions
- Assets
- USDT, USDT0
- Spend directly from Earn balance
- Not confirmed
- 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 Whop is available and who supports the card
See current signup reach, identity checks and the organisations behind the card.
Identity & KYC
Identity verification is required to access card services.
Availability
Known restrictions are listed, but a complete allowed-country list is not available.
- Explicit restrictions
- 17 countriesThese reviewed jurisdiction records are hard exclusions; locations outside the list still require the normal signup and identity checks.
Explicit restriction list17 countries
BelarusChinaCubaIndiaIranIraqIsraelMyanmarNepalNicaraguaNorth KoreaRussiaSyriaTurkeyUkraineVenezuelaVietnam
Who handles what
The named organisations and their current roles are listed below.
RoleHandled byResponsibility and scope
Card productWhop
Provides the product and account experience. Named legal operators appear separately.
Custody controlWhop + programme partners
Controls settlement until payment.
Hybrid custodyCard issuerThird National
Funds merchant purchases and operates the issuer side of the collateralized business-card account.
Applies to: Captured business-card terms; regional agreement details should be checked before use.Custody / key managementPrivy
Wallet key infrastructure; neither Whop nor Privy can move wallet funds unilaterally under the captured terms.
Applies to: Whop stablecoin wallet only; not the issuer-funded card account as a whole.07 · Methodology
Why the score is 67
The score combines practical costs, rewards, daily usability, funding and transfers, eligibility, custody, and the provider stack.
Missing or undisclosed fields receive no positive credit.
67/100
ModerateHigher is better
Key score driversLargest effects after applying the Overall category weights
Strongest lift91
Everyday usability
Visa spending includes virtual card, physical card, Apple Pay and Google Pay.
Additional support79
Funding & transfers
3 inbound and 6 outbound routes cover crypto deposits, crypto withdrawals and bank payouts.
Main constraint42
Rewards value
No general base cashback; 5% applies only to Whop ads, Content rewards and Uber transportation and is paid in Whop account balance.
08 · Evidence
Sources
22 sources20 officialChecked Aug 11, 2026
We check every published fact and value against official product, fee, membership and legal information covering costs, eligibility, rewards and custody.
Primary sourcesOfficial product, fee, membership and legal pages
09 · Card comparison
How Whop Card compares to others
A side-by-side look at cards built around stablecoin funding, everyday Visa access and money movement.
1 / 3
Current card
Whop Card
Pending Whop balance can be spent immediately without a bank withdrawal.
- Card
- Credit line Visa, Virtual + Physical
- Funds control
- Hybrid custody
- Cashback
- 0%–5%
- FX fee
- Up to 1%
- Apps
- iOS, Android · Web app not confirmed
- Stablecoin set
- USDT + USDT0
- Transfers & payouts
- Crypto + Bank transfers
- Card
- Credit line Visa, Virtual + Physical
- Funds control
- Hybrid custody
- Cashback
- 0%–5%
- FX fee
- Not confirmed
- Apps
- iOS · Android + Web app not confirmed
- Stablecoin set
- Not confirmed
- Transfers & payouts
- Bank transfers
- Card
- Credit line Visa, Virtual + Physical
- Funds control
- Hybrid custody
- Cashback
- 0.5%–4%
- FX fee
- XPlace layer: Basic 1%, Silver 0.5%, Gold 0.25%, Platinum 0%; Visa adds 1% when it converts
- Apps
- iOS, Android · Web app not confirmed
- Stablecoin set
- USDC + USDT
- Transfers & payouts
- Crypto transfers
Want a deeper comparison?
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