Visa InfiniteMoto · Visa Infinite
Moto Card
Moto Card is a premium Visa Infinite credit card, not a debit card: members deposit fiat or USDC, receive a collateral-backed credit line, spend on credit with 0% FX fees, and settle monthly. It pairs this with a self-custodial wallet (multisig infrastructure, device-bound passkeys) and a luxury membership: unlimited airport lounge access and a dedicated Relationship Manager. Membership costs $2,500/year or $250/month. Applications are reviewed periodically; no eligibility criteria or regional availability are published. Raised a $1.8M pre-seed led by Eterna Capital and cyber•Fund.
Published 25 August 2026 · facts checked 2026-10-19. Image: Official product page linked; artwork being sourced. Terms can change.
Affiliate disclosure: The highlighted check-card button may be a referral link. It does not change the editorial facts, guarantee approval, or make this a personal recommendation.
Product model
Debit · Self-custody
Availability
Application only; approval required. No published country availability.
Card formats
Physical
Verification
Full identity verification required during onboarding; application reviewed periodically.
What it is
The product in plain English
Premium Visa Infinite credit card fused with a self-custodial crypto wallet: collateral-backed credit line, 0% FX, lounges and concierge. Application only.
Best fit, not a ranking: High-net-worth crypto holders and frequent travelers who want a premium credit card experience without giving up self-custody.
Money movement
How the card is funded
Fiat or digital assets (USDC highlighted; Solana USDC deposits typically under 2 minutes). Virtual IBANs for EUR transfers. Collateral-backed credit limit; spend on credit and settle monthly.
Rewards: Points, not cashback: 1x on all purchases, 3x on dining and retail, 5x on travel. 1 point = $0.01. Redeemable for flights, hotels, or up to $200/month in statement credits.
Cost reality
Read beyond the headline
$2,500/year or $250/month (annual includes 2 months complimentary). No separate card issuance fee published.
Caution: Extremely expensive at $2,500/year. Application-only with no published eligibility criteria or regional availability. Very early stage (pre-seed). Points cap of $200/month in statement credits limits effective reward value relative to the fee. Issuer not published.
Getting started
How people apply
Start with the provider’s official onboarding flow, then confirm the card, issuer, and funding terms for your region.
What changed recently
Update trail
The provider’s current product page is the update source. Fees, eligibility, rewards, and availability should be rechecked before applying.
Last editorial check: 2026-10-19. CryptosBeginner does not automatically guarantee that provider pages remain unchanged after this date.
Potential upsides
What stands out
Visa Infinite with 0% FX fees globally
Self-custodial with multisig infrastructure and device-bound passkeys
Unlimited airport lounge access and dedicated Relationship Manager
Crypto and fiat funding in one app
Potential trade-offs
What to verify
$2,500/year membership is prohibitive for most
No published country availability
Application-based, not open signup
Points (not cashback) with $200/month redemption cap
Issuer not published
Before you apply
Five checks that prevent bad comparisons
01
Country
Confirm the product is actually available at your address.
02
Funding
Know whether you spend cash, converted crypto, or borrowed value.
03
Fees
Look for spreads, FX, ATM, top-up, and subscription charges.
04
Issuer
The brand on the card may not be the legal issuer.
05
Tax
Spending crypto can create tax consequences in some jurisdictions.
FAQs
Questions readers ask before applying
What does Moto Card cost?+
$2,500/year or $250/month (annual includes 2 months complimentary). No separate card issuance fee published. Provider fees and regional terms can change, so use the linked fee details before applying.
How is Moto Card funded?+
Fiat or digital assets (USDC highlighted; Solana USDC deposits typically under 2 minutes). Virtual IBANs for EUR transfers. Collateral-backed credit limit; spend on credit and settle monthly.
Where is Moto Card available?+
Application only; approval required. No published country availability.
What should I verify before choosing Moto Card?+
Check the provider’s current country eligibility, issuer, verification process, funding route, complete fee schedule, limits, and tax treatment before making your own decision. This profile is educational comparison content, not a personal recommendation.