Stella Card
VisacustodialKYC: required
3.0 / 5
Net Reward2.5
Availability3.5
Custody & Risk2.0
Features3.5
Stella Card is a crypto-backed Visa credit card that converts digital assets to USD automatically at purchase. It supports BTC, ETH, USDT, and USDC, with fee details disclosed only in the Stella Pay app after registration. Available globally except in 49 restricted regions.
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Slug: stella-card
Our Verdict
Crypto enthusiasts who want to spend digital assets without manual conversion processes, frequent international travelers who benefit from worldwide Visa acceptance and mobile wallet integration, and high-volume cryptocurrency users who can meet the USD 20,000 top-up threshold for a free physical card.
Pros and cons
Pros
- No annual fees or maintenance charges
- Free crypto deposits (Stella charges 0%; users only pay blockchain network gas fees)
- Seamless automatic conversion from crypto to USD at interbank exchange rates
- Wide acceptance through the Visa network (40M+ merchants)
- Comprehensive mobile wallet integration (Apple Pay, Google Pay, Alipay, WeChat Pay)
- Multi-network blockchain support for deposits
- Low crypto withdrawal fees starting from 1 USD
- Refunds processed in base currency for consistent value recovery
Cons
- Limited cryptocurrency support compared to some competitors (only BTC, ETH, USDT, USDC for base card)
- ATM withdrawal fees and free-withdrawal allowances only disclosed in-app
- Lack of ongoing cashback or rewards program
- Most fees only disclosed after app registration
- Virtual card requires an upfront fee
- Occasional account access issues reported by some users
- Zero starting credit limit requires crypto collateralization to build spending power
Supported chains
ArbitrumBaseBitcoinEthereumOptimismPolygonTRON
Supported cryptos
BNBBTCETHUSDCUSDT
Fees
Annual: None
Issuance: Virtual card: Pay-as-you-go fee (disclosed in-app); Physical card: Delivery fee waived after topping up USD 20,000
Crypto To Fiat: Displayed dynamically in app at interbank exchange rates
Fiat Withdrawal: Fees start from as low as 1 USD
Crypto Withdrawal: Fees start from as low as 1 USD, with exact amounts shown per transaction in-app
Purchase Transaction: Displayed in app, not publicly itemized
Key Features
- Automatic crypto-to-USD conversion at point of sale
- Integration with Apple Pay, Google Pay, Alipay, and WeChat Pay
- Credit limit increases based on cryptocurrency deposits
- Both virtual and physical card options available
- Accepted at over 40 million Visa merchants worldwide
- Multi-network blockchain support for deposits (ERC-20, TRON, BNB Smart Chain, Polygon, Arbitrum One, Optimism)
- Referral program with up to 40% commission on card fees
Limitations
- No cashback or rewards program
- ATM withdrawal fees and limits disclosed only in-app
- Limited cryptocurrency support (only BTC, ETH, USDT, USDC)
- Some fees only disclosed within the app after registration
- Virtual card application fee required (disclosed in-app)
- Zero starting credit limit requires crypto collateralization to build spending power
- USD is currently the only supported base currency
Risks
- CounterpartyCustodial model where Stella holds all user crypto in Stella-managed walletsIf provider ceases operations, users risk losing access to their funds
- SecurityOccasional account access issues reported by some usersA recent App Store review complained about an account freeze and funds not being returned after providing transfer proof, highlighting potential account access risks
Rewards & Cashback
Notes: No cashback or staking rewards program. Occasionally runs limited partner promotions that offer one-off token bonuses or fee offsets for specific cohorts.
Cashback Rate: None
Spending Limits
Notes: Spending limit based on crypto deposit amount
Atm Daily: USD 2,000 (up to 3 withdrawals daily)
Atm Monthly: USD 10,000 (up to 30 withdrawals monthly)
Daily Spending: USD 100,000 for regular accounts (tied to wallet/card balance)
Credit Line Max: Zero starting credit limit; increases based on cryptocurrency deposits and card usage
Top-Up Methods
Crypto (BTC, ETH, USDT, USDC)Stella Pay mobile appTelegram Mini App
Credit & Loan Products
Credit card that starts with a credit limit of zero. Users build credit by using the card and by collateralizing cryptocurrency through top-ups.
Security Features
Features: Advanced encryption for data protection,Real-time transaction alerts,Two-factor authentication (2FA),Ability to lock card immediately,Customizable spending caps,Continuous AML monitoring
Mobile Wallet Support
Apple PayGoogle PayiOSAndroidTelegram Mini App
Best For
Crypto enthusiasts who want to spend digital assets without manual conversion processes, frequent international travelers who benefit from worldwide Visa acceptance and mobile wallet integration, and high-volume cryptocurrency users who can meet the USD 20,000 top-up threshold for a free physical card.
Custody Model
custodialPlatform (Stella) holds all user crypto in Stella-managed wallets. Users deposit crypto as collateral; platform controls private keys.
Risk: If provider ceases operations, users risk losing access to their funds.
Card Issuer & Compliance
Issuer Name: Stella Pay
Kyc Required: true
Availability
Available in 57 countries globally. Restricted in 49 countries. Key regions missing: Hong Kong, United Arab Emirates, South Africa.
Card Tiers
Standard
PhysicalVirtual and Physical options available
Full e-KYC process required during sign-up
Fees
Issuance: Virtual card: Pay-as-you-go fee (disclosed in-app); Physical card: Delivery fee waived after USD 20,000 top-up
VisaApple PayGoogle PayAlipayWeChat Pay
Cashback: None
ATM Free: Disclosed in-app only
Automatic crypto-to-USD conversion at point of saleSeamless fund transfers between virtual and physical cardsEasy cashout and ATM withdrawal capabilitiesFree physical card after accumulating USD 20,000 in top-upsRefunds processed in base currency (USD)
User Ratings
3.2/5.0 (1 ratings)
Trustpilot
5.0/5.0 (5 ratings)
App Store
Mixed feedback - positive reports about fast transactions, well-designed app, and easy ID verification; negative reports about virtual card cost, limited crypto support, and occasional account access issues
Roadmap & Updates
Planned Features:
- Support for more cryptocurrencies in the future
Recent Updates:
- VeChain / VeBetterDAO co-branded integration launched in April 2025
Conclusion
Stella Card offers a straightforward solution for crypto holders seeking to integrate digital assets into everyday spending. Its strength lies in the automatic conversion feature that handles the crypto-to-USD exchange at the point of sale using interbank exchange rates, paired with broad acceptance through the Visa network and integration with popular mobile wallets. The card's approach of offering a single product where spending power directly relates to deposited crypto creates a transparent relationship between holdings and spending limit. While the lack of ongoing cashback rewards and limited cryptocurrency support are notable drawbacks, Stella Card's focus on simplicity and functionality provides a solid option for those prioritizing seamless crypto spending over rewards maximization.
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