Raenest USD Card
Issued via Third National · Card currency USD
- Custody
- Custodial
- Network
- Visa
- Card types
- Virtual + physical
- Wallets
- Apple Pay, Google Pay
Shipping countries are not published.
Partly verified · 8 of 12 key facts · last checked 15 Oct 2026 · aging
Facts reviewed by Andrew L.
Review
What it is
Raenest USD Card is a crypto card that comes as a virtual and a physical card. It is issued by Third National. Payments run on the Visa network. The card currency is USD.
Funding and spending
The company holds your balance, and the card spends from it. It can be funded with crypto or with fiat money. You can top it up by bank transfer and debit or credit card. It can be funded with 2 assets: USDC and USDT.
Fees
The virtual card issuance fee is USD 3. It has no monthly fee. The foreign currency fee is USD 0.40 + 2%. It has no top-up fee. Some of these fees have conditions, which are listed in the fees table on this page. We have not verified the annual fee, crypto conversion spread and ATM withdrawal fee yet.
Limits and rewards
Daily spending limit: USD 7,000 to USD 20,000, depending on tier. Monthly spending limit: USD 21,000 to USD 60,000, depending on tier. It works with Apple Pay and Google Pay.
Signing up
You can apply in 8 countries. That includes 7 in Africa and 1 in Asia. You cannot apply in 17 countries, including China and India.
How we check
We last checked this card on 15 Oct 2026, against 8 official issuer pages. The tables below show the source and the check date of every value we have verified. Facts not listed here are unknown so far.
Tiers compared
| Fee or limit | KYC Level 1 | KYC Level 2 | KYC Level 3 | KYC Level 4 | KYC Level 5 |
|---|---|---|---|---|---|
| Daily spend | USD 7,000 | USD 10,000 | USD 12,000 | USD 15,000 | USD 20,000 |
| Monthly spend | USD 21,000 | USD 25,000 | USD 36,000 | USD 45,000 | USD 60,000 |
Fees, limits and the reward rate for each tier. A cell that says Not verified has no checked figure yet.
Pros and cons of Raenest USD Card
Pros
- No monthly fee
- Spending limit of at least USD 21,000 a month
- Works with Apple Pay and Google Pay
- Comes as a virtual and a physical card
Cons
- Custodial: the issuer holds your funds
- 4 of 12 key facts are not verified yet
Who it suits
- Heavy spenders, as the limits are high and the fees stay low
Built only from facts we have verified. Anything we have not verified is left out.
Fees
Amounts in the card currency, as the issuer publishes them?
?
Limits
Rewards
We don't know the rewards for this card yet. We never assume a card has none.
Top-up assets and networks
Access and funding
Where it's available
Applying for the card and using it are tracked separately.
Shipping countries are not published, so there is no shipping column.
Rules the issuer states
No country matches your search.
Frequently asked questions about Raenest USD Card
Who issues Raenest USD Card?
Raenest USD Card is issued by Third National. Payments run on the Visa network.
Is Raenest USD Card a virtual or a physical card?
Raenest USD Card comes as both a virtual and a physical card.
How do I top up Raenest USD Card?
You can top it up by bank transfer and debit or credit card. Raenest USD Card has no top-up fee.
Does Raenest USD Card work with Apple Pay and Google Pay?
It works with Apple Pay and Google Pay.
Which crypto can I use with Raenest USD Card?
It can be funded with 2 assets: USDC and USDT.
What does Raenest USD Card charge on payments in a foreign currency?
The foreign currency fee is USD 0.40 + 2%. The conditions are listed in the fees table on this page.
What are the spending and ATM limits of Raenest USD Card?
Daily spending limit: USD 7,000 to USD 20,000, depending on tier. Monthly spending limit: USD 21,000 to USD 60,000, depending on tier.
In which countries can I apply for Raenest USD Card?
You can apply in 8 countries. That includes 7 in Africa and 1 in Asia. You cannot apply in 17 countries, including China and India.
Sources
- Other official pageCardsraenest.comChecked 15 Oct 2026
- Fees pageUsd virtual card charges on raenesthelp.raenest.comChecked 15 Oct 2026
- Fees pageThe new raenest visa card explainedhelp.raenest.comChecked 15 Oct 2026
- Other official pageVirtual card spending limitshelp.raenest.comChecked 15 Oct 2026
- Supported countriesRaenest virtual card regional usage guidelineshelp.raenest.comChecked 04 Oct 2026
- Other official pageRaenest dollar card faqhelp.raenest.com
- Fees pageConversion fees on raenesthelp.raenest.com
- Other official pageEverything you need to know about stablecoins on raenesthelp.raenest.comChecked 05 Oct 2026
- Other official pageAvailable funding methods by currencyhelp.raenest.comChecked 15 Oct 2026
- Other official pageHow to use your raenest dollar card for contactless paymenthelp.raenest.com
- Cardholder termsTerms of serviceraenest.comChecked 15 Oct 2026