Lowest estimated net cost here at this spending level.
- USDC networks
- Supported
Best USDC cards
Cards you can top up with USD Coin (USDC), with the networks each one supports. Ranked by what they would cost you per year once their fees are counted.
Read our guide: how to chooseBy Andrew L.Data updated 28 Oct 2026
Ranked cards
Showing costs in EUR for a typical profile: EUR 500 a month, 30% in a foreign currency, rewards that need staking or a paid plan left out. Choose your country to see only the cards open to you, priced in your currency.
Complete estimates come first, then cards that leave out a fee the issuer does not list. Cards without a cost estimate come last, ordered by how many of their fees are verified.
Rewards that need staking, a paid plan, a minimum balance or a single asset or merchant group are left out of this estimate.
- USDC networks
- Supported
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- USDC networks
- Supported
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- USDC networks
- Supported
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- USDC networks
- Arbitrum, Base, BNB Smart Chain, Ethereum, Fuse and Polygon
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- USDC networks
- Arbitrum, Base, Solana and Sui
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- USDC networks
- Supported
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- USDC networks
- Supported
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- USDC networks
- Supported
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- USDC networks
- Supported
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- USDC networks
- Solana
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- USDC networks
- Supported
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- USDC networks
- Arbitrum
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- USDC networks
- Arbitrum, Base, BNB Smart Chain, Ethereum, Optimism and Solana
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- USDC networks
- Supported
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- USDC networks
- Supported
Net cost per yearat leastEUR 37Excludes flat charge per foreign payment and conversion feeLeaves out fees the issuer does not list, so it ranks after the complete estimates.
- USDC networks
- Supported
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- USDC networks
- Arbitrum, Ethereum, Optimism and Polygon
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- USDC networks
- Supported
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- USDC networks
- Supported
Net cost per yearat leastEUR 46Excludes issuance fee, flat charge per foreign payment and conversion feeLeaves out fees the issuer does not list, so it ranks after the complete estimates.
- USDC networks
- Supported
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- USDC networks
- Ethereum, Polygon and Solana
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- USDC networks
- Ethereum
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- USDC networks
- Sui and Tron
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- USDC networks
- Supported
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- USDC networks
- Base, Ethereum and Polygon
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- USDC networks
- Supported
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- USDC networks
- Arbitrum, Base, BNB Smart Chain and Polygon
Net cost per yearat leastEUR 295Excludes annual fee, monthly fee and conversion feeLeaves out fees the issuer does not list, so it ranks after the complete estimates.
- USDC networks
- Arbitrum, Avalanche C-Chain, Base, BNB Smart Chain, Ethereum, Hyperevm, Optimism, Polygon and Solana
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- USDC networks
- Supported
No estimate yet. Not found on the issuer's pages: annual fee, monthly fee, FX markup, conversion fee and rewards.
- USDC networks
- Supported
No estimate yet. Not found on the issuer's pages: annual fee, monthly fee, FX fee and conversion fee.
- USDC networks
- Supported
Not checked yet
These cards are not ranked and have no cost estimate. We have not verified the facts that define this list, or where the card is available. Not checked does not mean no.
- Details
AIX Card
Not checked yetWe have not verified any country where it is open yet.
- Details
Anytap Card
Not checked yetWe have not verified any country where it is open yet.
- Details
ARQ Card
Not checked yetWe have not verified any country where it is open yet.
- Details
BitMart Card
Not checked yetWe have not verified any country where it is open yet.
- Details
Bitypay Card
Not checked yetWe have not verified any country where it is open yet.
What a USDC card does with your balance
A shop never receives USDC from you. When you pay, or when you load the card, the USDC is converted into the currency of the card, and the shop is paid in that currency. Where your USDC waits in the meantime depends on the card: with the company that runs it, or in a wallet of your own.
Because USDC tracks the dollar, the price risk you know from other crypto is small. The conversion step is still there, and it is where costs can hide. That is why the ranking looks at what the card charges rather than at the coin.
Send USDC on the right network
USDC exists on several blockchains, and each one is a separate top-up network. A card that takes USDC usually takes it on only some of them. The card page shows which, and so do the tiles in the ranked list above.
- Match the network to the deposit address. An address can look valid on a network the card does not support, and funds sent there may be gone for good.
- Start with a small amount. Let it arrive and show in your balance before you send the rest.
- Compare network fees. What it costs to move USDC depends on the chain and how busy it is. That fee goes to the network, not to the card.
What to compare
Several small costs add up, so look at each of them:
- Top-up fee. Some cards charge when you load them, others do not.
- Conversion spread. The conversion spread is the gap between the market price and the price the card uses when it converts your USDC. It can be there even when no fee is listed.
- FX fee. If the card is in a currency other than the shop’s, there is a second conversion. Read about the FX fee or start from the no FX fee list.
- Availability. A card on the list is not necessarily open to you. Eligibility is checked per country.
Our estimate adds these up for your country and spending. A fee we have not verified is left out and flagged, never counted as zero. Our guide to FX fees and markups abroad goes deeper on those costs.
USDC or USDT
Both are dollar stablecoins from different companies, and for paying with a card they are close to interchangeable. What differs is support: a card or a platform may take one and not the other, and which is easier to hold can depend on your region and on the exchange or wallet you use.
If your balance is already in one of them, begin with the matching list. If you can pick, compare: the USDT cards and the stablecoin cards use the same ranking, so you can see whether the other coin opens up a cheaper card.
How many USDC cards are in your country
Availability depends on where you live, and so does the order. Before any country is chosen, the list holds 37 cards that take USDC.
A few places as examples: 20 cards in Germany, 21 cards in Brazil, 19 cards in Argentina, 4 cards in Turkey and 10 cards in Nigeria. The counts move as we verify more data, and some platforms restrict stablecoins in certain regions, so check that the card supports USDC where you live.
To see the cards for your own country and spending, open the Card Finder and choose USDC as the asset.
Related guides
Other best lists
- All crypto cards
- Debit cards
- Credit cards
- Prepaid cards
- Visa cards
- Mastercard cards
- Bitcoin cards
- USDT cards
- Stablecoin cards
- Self-custody
- No FX fee
- No annual fee
- Travel
- Virtual only
- ATM withdrawals
- Rewards and cashback
How we rank cards and estimate costsAffiliate links never change a card's rank. Not financial advice.