Biggest estimated net gain here at this spending level.
- USDT networks
- Supported
Best USDT cards
Cards you can top up with Tether (USDT), 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.
- USDT networks
- Supported
Rewards that need staking, a paid plan, a minimum balance or a single asset or merchant group are left out of this estimate.
- USDT networks
- Supported
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- USDT networks
- Supported
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- USDT networks
- Solana
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- USDT networks
- Supported
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- USDT networks
- Supported
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- USDT networks
- Supported
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- USDT networks
- Tron
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- USDT networks
- Solana
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- USDT networks
- Tron
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- USDT 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.
- USDT networks
- Supported
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- USDT 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.
- USDT networks
- Supported
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- USDT networks
- Supported
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- USDT networks
- Supported
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- USDT networks
- Supported
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- USDT networks
- Ethereum
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- USDT networks
- Tron
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- USDT networks
- Ethereum and Polygon
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- USDT 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.
- USDT 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.
- USDT networks
- Tron
No estimate yet. Not found on the issuer's pages: annual fee, monthly fee, FX fee and conversion fee.
- USDT networks
- Supported
No estimate yet. Not found on the issuer's pages: issuance fee, annual fee, monthly fee, FX fee and conversion fee.
- USDT networks
- Tron
No estimate yet. Not found on the issuer's pages: annual fee, monthly fee, FX fee and conversion fee.
- USDT networks
- Supported
No estimate yet. Not found on the issuer's pages: annual fee, monthly fee, FX markup, conversion fee and rewards.
- USDT networks
- Supported
No estimate yet. Not found on the issuer's pages: annual fee, monthly fee, FX fee and conversion fee.
- USDT 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
Bipa 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.
Which network to send USDT on
USDT is not a single coin on a single chain. It exists on several blockchains, for example Tron, Ethereum, Solana, BNB Chain and TON, and each one is a separate top-up network. A card that accepts USDT usually accepts it only on some of them.
Each card page lists the networks it accepts, and the tiles in the ranked list above show them too. Before you send anything:
- Match the network exactly. The network you send on must be the one the card’s deposit address belongs to. An address can look valid on a network the card does not support, and funds sent that way can be lost for good.
- Send a small test amount first. Wait until it arrives and shows in your balance, then send the rest.
- Compare network fees. What you pay to send USDT depends on the chain and on how busy it is. The same transfer can cost very different amounts on two networks, and that fee goes to the network, not to the card.
What it costs to spend USDT
The card does not pay a shop in USDT. Somewhere between your balance and the till the money changes form, and each step can carry a cost:
- A top-up fee, charged when you add funds, if the card charges one.
- The conversion from USDT into the card’s currency, which comes with a spread or a margin even when no fee is listed.
- An FX fee, if the card’s currency differs from the shop’s. A card in euros that pays a bill in another currency converts a second time.
A dollar stablecoin tends to have a small spread, but a card in another currency still has to convert it. Our estimate adds these costs up for your country and your spending, and it leaves out any fee we have not verified instead of counting it as zero. For the long version, read our guide to FX fees and markups abroad, or look at cards with no FX fee.
USDT or USDC
Both are dollar stablecoins, issued by different companies. For paying with a card the two are close to interchangeable, and many cards accept both. What differs is availability: a platform may support one and not the other, and which one 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, start with the list that matches it. If you have a choice, compare both: USDC cards and stablecoin cards use the same ranking, so you can see whether the other coin gets you a cheaper card.
In your country
A card on this list is not necessarily available to you. Availability depends on where you live, and so does the ranking. Before any country is chosen, the list holds 32 cards with USDT top-ups.
Here is how that looks in a few places: 18 cards in Brazil, 16 cards in Argentina, 9 cards in Nigeria, 4 cards in Turkey and 13 cards in Germany. The counts change as we verify more data, and some platforms limit USDT in certain regions, so check whether the card supports it where you live.
To see the cards for your own country and spending, use the Card Finder and choose USDT as the asset.
Related guides
Other best lists
- All crypto cards
- Debit cards
- Credit cards
- Prepaid cards
- Visa cards
- Mastercard cards
- Bitcoin cards
- USDC 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.