Best USDC Card for Savings & Yield (2026)
Earn interest on USDC while maintaining spending access.
#1
Nexo
Mastercard • Custodial • Multi-chainCashback0.5-2%
FX Fee0-0.5%
Annual Fee$0
ChainMulti-chain
#2
Ether.fi Cash
Visa • Non-Custodial • ScrollCashback4.08%
FX Fee0%
Annual Fee$0
ChainScroll
#3
Solayer Emerald
Visa • Non-Custodial • SolanaCashback2-4%
FX Fee0%
Annual Fee$75
ChainSolana
#4
Bybit
Mastercard • Custodial • ExchangeCashback2-10%
FX Fee0.9%
Annual Fee€10
ChainExchange
#5
Plutus
Visa • Non-Custodial • BaseCashback3-9%
FX Fee0%
Annual Fee$0-€14.99/mo
ChainBase
Quick Comparison
| Card | Cashback | FX Fee | Custody | Fee |
|---|---|---|---|---|
| Nexo | 0.5-2% | 0-0.5% | Custodial | $0 |
| Ether.fi Cash | 4.08% | 0% | Non-Custodial | $0 |
| Solayer Emerald | 2-4% | 0% | Non-Custodial | $75 |
| Bybit | 2-10% | 0.9% | Custodial | €10 |
| Plutus | 3-9% | 0% | Non-Custodial | $0-€14.99/mo |
FAQ
What is the best USDC card for savings & yield?
Our top pick for savings & yield is Nexo, offering 0.5-2% cashback with 0-0.5% FX fees on the Multi-chain chain.
Do I need KYC for savings & yield USDC cards?
It depends on the card. Self-custody options like Ether.fi Cash may have lighter verification. Exchange-based cards typically require full KYC.
Which savings & yield USDC card has the lowest fees?
Cards with 0% FX fees include Ether.fi Cash, Solayer Emerald, Plutus. Always check for hidden conversion spreads.
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