Swipe Slate Review 2021

Swipe Slate Black Review

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9/10 (Expert Score)
🥇 Product is rated as #2 in category Crypto Cards

The Slate Black card by Swipe.io has some of the best cashback and perks available for a crypto debit card in 2021, including rebates on Airbnb, Netflix, Spotify, Prime, Starbucks, Hulu, Apple Music, Uber and Travalla. The Slate Black cardholders benefit from 8% cashback paid in Bitcoin on all purchases either online or offline and practically fee-free spending. The card is widely available for the US and Europe residents and hopefully, Canada, Australia and Singapore soon.

The Slate Black card by Swipe.io is the highest tier card on offer. Visa cards are delivered to your door for free, have no signup fee or monthly subscriptions, and currently support 8 cryptocurrencies and 5 fiat currencies. In order to apply for a Slate visa, you will need to stake 100,000 SXP (Swipes native token) which is roughly $100,000 at today's prices. If you plan on using this card for a large number of purchases then the high 8% cashback paid in Bitcoin (plus perks!) is a highly attractive offer.

Swipe.io began in 2018 in the Philippines and less than 2 years later was bought by Binance in 2020. Today their head office is located in London, England. Swipe.io as a company shows promise, with names like Coinbase Custody, BitGo and Certik behind them. The drawback for us is their support, which has been a huge letdown and frankly a huge concern for us. We hope in the coming months they improve their support, as te rest of their offering, cashback, and perks, are undoubtedly some of the most attractive on the market in 2021.

Features
9.5
Usability
9.5
Payment options
8.5
Fees and charges
9.5
Perks & rewards
9.5
Company & Reputation
3
Support
2
PROS:
  • The best perks available with a crypto credit card (free Netflix, Spotify, Prime, Apple Music, Uber, Starbucks, Travala, hulu and Airbnb)
  • 8% cashback paid in BTC.
  • Instant conversion from crypto to fiat on purchases - no more prepaid cards.
  • No limits on cashback online or instore.
  • Currently almost no fees (not even gas fees!) for everything from ATM withdrawals to international use.
  • Partnered with Binance.
CONS:
  • Huge lack of information available on the Swipe team/company.
  • Terrible support which can't offer answers to basic questions, and no means to escalate issues higher.
  • High stakes to get the perks and cashback (almost $100,000 in SXP tokens) which need to be held for a minimum of 6 months.
  • 3% foreign transaction fee for US cardholders.
  • Virtual cards are not currently available in Europe.

Specification: Swipe Slate Black Review

Company & Availability
Insurance Coverage Pooled
Eligible regions , , , , , , , , , , , , , , , , , , , , , , , , , , ,
KYC
Credit Check No
Savings Information
Supported Fiat Currencies , , , ,
Supported Cryptocurrencies
Gas fees No fees
Availability
ATM Access Worldwide
Pay In Local Currencies Yes
Support
24 hour support Yes
Live Support Yes
Staking
Staking required Yes
Staking amount 100,000 SXP
Minimum stake Term 6 months
Token Ticker SXP
Rewards
Cashback on spending 8% Cash Back in Bitcoin
Cashback Restrictions No limit
Max Cashback No limit
Referral Rewards Yes
Perks
Perks
Spending Limits
Daily ATM Limit EU/UK: €290, US: $1000
Daily Purchase Limit EU/UK: €9,000, US: $10,000
Monthly ATM Limit EU/UK: N/A, US: $10,000
Monthly Purchase Limit EU/UK: €9,000, US: $50,000
Fees
Online/Offline Purchase Fees No fee
Topping up fee No fee
ATM Fees No fee
International ATM fee No fee
POS Foreign Transaction fee No fee
Card Replacement Fee No fee
ACH Declined No fee
ACH Payments No fee
Charge back processing No fee
Dormancy No fee
Exchange Rate Provider N/A
Card Features
Instant settlement Yes
Topping up limit No limit
App Payments Apple Pay, Google Pay, Samsung Pay
Dual-Interface NFC/EMV (Card with chip) Yes
Virtual Cards US Only
Physical Cards Yes
Security
Fraud Monitoring Yes
Freeze / Unfreeze Yes
Instant Notifications Yes
Pin Viewing Yes
2FA Yes
Asset protection & Insurance
Audited Certik
Cold Storage Coinbase Custody
Company Backing Binance
FDIC insurance No
Insured by BitGo

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