BlockCard Review

BlockCard

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8/10 (Expert Score)

Product is rated as #10 in category Crypto Cards

Store, spend and convert your crypto to Fiat via ATM's throughout the U.S; via virtual or physical card. This card offers more freedom than most competitors; supporting approx. 14 currencies and averaging lower fees than competitors. No deposit, exchange or withdrawal fees, with users only paying $3 for domestic ATM withdrawals. Instead, BlockCard maintain a $5 monthly fee, with users paying less than other conventional cards.

The initial plastic card order fee of $10 is reasonable & lower than a number of competitors. There are also perks behind using this card, including a 6.38% "CryptoBack" reward scheme; essentially cashback. Cardholders must purchase/stake native TERN tokens with USD/cryptocurrency, which is then converted to Fiat at the time of purchase. Receive additional TERN token rewards for purchasing with Blockcard, which users can stake for preferential rates. Blockcard also supports mobile payment via Samsung, Apple or Google Pay. Currently only available in the U.S.

Features

Usability

Payment options

Fees and charges

Perks & rewards

Company & Reputation

Support

8.5

PROS:

No topping up fees
Low POS fees
Plastic & metal card options
Great 6.38% "CryptoBack" cashback reward
Supports 14 currencies, more than most cards
Samsung Pay, Apple Pay & Google Pay supported
Receive TERN tokens for purchasing with Blockcard
Straightforward sign-up process

CONS:

$5 monthly fee
$3,000 per day spending limit
Currently only usable in the U.S.
$10 initial plastic card order fee

Specification: BlockCard Review

Company & Availability

Insurance Coverage	Not specified
Eligible regions	Europe (coming soon), USA
KYC	Yes

Savings Information

Supported Fiat Currencies	USD
Supported Cryptocurrencies
Gas fees	No fees

Availability

ATM Access	Worldwide
Pay In Local Currencies	Yes

Support

24 hour support	Email support
Live Support	No

Staking

Staking required	No
Token Ticker	TERN

Rewards

Cashback on spending	TERN Staking: 6.38%
On Chain Rewards	None
Referral Rewards	Refer your friends and both receive $10 when they sign up & deposit $100 of crypto.

Spending Limits

Daily ATM Limit	$500
Daily Purchase Limit	Physical: $5,000 + Virtual: $5,000 = $10,000 daily
Monthly ATM Limit	Not specified
Monthly Purchase Limit	Not specified

Fees

Signup fee	$10 deposited into account to recieve card, Plastic: $10 & Metal: $50
Monthly fee	$5, if you spend more than $750 in non-cash transactions per month the $5 fee is waived
Delivery Fee	No fee
Online/Offline Purchase Fees	Pin transaction: $1
Topping up fee	No fee
ATM Fees	$3.00
International ATM fee	$3.50, £/€/$3.50 + 3%
POS Foreign Transaction fee	Pin transaction fee: $2
Card Replacement Fee	Plastic: $10 & Metal: $50
ACH Declined	N/A
Charge back processing	No fee
Dormancy	No fee
Exchange Rate Provider	Visa

Card Features

Instant settlement	No
Prepaid	Yes
Topping up limit	No top up limit. Minimum $10 on card
App Payments	Apple Pay, Google Pay, Samsung Pay
Dual-Interface NFC/EMV (Card with chip)	Yes
Virtual Cards	Yes
Physical Cards	Yes

Security

Fraud Monitoring	The cardholder's liability is limited to $50 if the loss is reported promptly
Freeze / Unfreeze	Must call to freeze/unfreeze
Instant Notifications	Yes
Pin Viewing	No
2FA	Yes