Crypto card review
Pay3 Card review: fees, limits and KYC
Pay3 Card is a physical and virtual card on the visa, mastercard network. It has no annual fee. It pays 0% cashback on spending. The provider requires identity verification before issuing it. The provider lists the United States as a supported region.
Visa, MastercardVirtualPhysicalKYC required
Crypto card fees on Pay3 Card, and what it offers
Three fields decide what Pay3 Card costs: the annual fee, the issuance fee and the top-up fee. For this card the dataset holds an annual fee of Free, an issuance fee of Free and a top-up fee of Not supplied. Top-up is the one that recurs, because it is charged each time value is moved onto the card, which is why it costs more over a year than the annual fee usually does. Pay3 Card publishes no ATM limit, so the dash in that column means the dataset holds no value for it rather than that there is no limit.
| Network | Form | KYC | Annual fee | Issuance | Top-up | Cashback | ATM limit | Wallets | In the US |
|---|---|---|---|---|---|---|---|---|---|
| Visa, Mastercard | Virtual, Physical | Required | Free | Free | — | 0% | — | Apple Pay, Google Pay | Yes |
A dash in this table means the provider dataset holds no value for that field. It does not mean the fee is zero. Fee and limit data was last updated 2026-10-02.
Where Pay3 Card is available
The provider lists Global as supported. Availability is the first thing to check, because a lower fee does not help if the provider will not issue to you.
What you can spend from Pay3 Card
The provider supports these assets directly on the card: TON, USDT. Anything not on that list has to be converted before you spend it, and the conversion fee applies.
Cashback and rewards are paid in P3P Points.
The trade-offs on Pay3 Card
These are read straight off the fields in the table above, not opinions.
What works in your favour
- No annual card fee
- Free card issuance
- Apple Pay and Google Pay supported
- Physical and virtual card
What costs you
- Identity verification required
- No ATM withdrawal limit published
Cards to compare Pay3 Card against
Available in the country you are browsing from, on the same fields as the table above.
| Card | Network | Form | KYC | Annual fee | Issuance | Top-up | Cashback | ATM limit | Wallets | In the US |
|---|---|---|---|---|---|---|---|---|---|---|
| Tria Card | Visa | Virtual, Physical | Required | Free | Free | Free | 1.5-6% | — | Apple Pay, Google Pay | Yes |
| CoinZoom Card | Visa | Virtual, Physical | Required | Free | $10 | 1.99% | 0.5-5% | $1,000 | Apple Pay, Google Pay | Yes |
| Ether.fi Card | Visa | Virtual, Physical | Required | Free | Free | Free | 2-3% | $10,000 | Apple Pay, Google Pay | Yes |
Pay3 Card in context
Cashback 0%, top-up Not supplied, annual fee Free. Provider terms change on their own schedule; confirm anything you rely on with the provider before you fund an account.