CoinsOnCards

    Stella CardReview

    Custodial Visa credit card that auto-converts BTC, ETH, USDT, and USDC to USD.

    3.0· Updated: VeChain / VeBetterDAO co-branded integration launched in April 2025
    Visit issuer
    Cashback
    Up to 0.00%
    Custody
    custodial
    KYC
    full
    Networks
    —
    Monthly fee
    Free
    Available in
    —

    The verdict

    Best for: Users spending BTC/ETH/USDT/USDC via Apple Pay/Google Pay without manual conversion.

    Skip if: You want cashback rewards or publicly listed fees before signing up.

    • No annual fee, but a virtual card fee is disclosed in-app.
    • Supports Apple Pay/Google Pay, but only for BTC, ETH, USDT, USDC.
    • Free physical card requires a high $20,000 top-up threshold.
    Get the Stella Card

    How it works

    • The Stella Card offers both virtual and physical card options, accepted at over 40 million Visa merchants worldwide.
    • * **Automatic Conversion:** Automatically converts crypto (BTC, ETH, USDT, USDC) to USD at the point of sale.
    • * **Mobile Wallet Integration:** Supports Apple Pay, Google Pay, Alipay, and WeChat Pay.
    • * **Global Availability:** Available in most countries, except for 49 restricted jurisdictions.
    • * **Multi-Network Support:** Supports deposits from ERC-20, TRON, BNB Smart Chain, Polygon, Arbitrum One, and Optimism.
    • * **Spending Limits:** Daily spending limit of USD 100,000, tied to the user's balance.
    • * **ATM Access:** Daily withdrawal limit of USD 2,000, up to 3 times per day.

    Funding: Crypto (BTC, ETH, USDT, USDC) · Stella Pay mobile app · Telegram Mini App

    Borrowing terms

    Credit card that starts with a credit limit of zero. Users build credit by using the card and by collateralizing cryptocurrency through top-ups.

    Custody & risk

    • If the issuer disappears
      If the provider ceases operations or experiences a security breach, users risk losing access to their funds as they do not control the private keys.
    • Counterparty risk
      Custodial model where Stella holds all user crypto in Stella-managed wallets
    • Security risk
      Occasional account access issues reported by some users

    Stella uses a custodial model where all user assets are held in Stella-managed wallets. Users deposit crypto as collateral, and the platform controls the private keys.

    Protections

    • Advanced encryption for data protection
    • Real-time transaction alerts
    • Two-factor authentication (2FA)
    • Ability to lock card immediately
    • Customizable spending caps
    • Continuous AML monitoring

    Limits

    notes
    Spending limit based on crypto deposit amount
    atm daily
    USD 2,000 (up to 3 withdrawals daily)
    atm monthly
    USD 10,000 (up to 30 withdrawals monthly)
    daily spending
    USD 100,000 for regular accounts (tied to wallet/card balance)
    credit line max
    Zero starting credit limit; increases based on cryptocurrency deposits and card usage

    The good

    • 0% crypto deposit fees (only gas).
    • Supports Apple Pay, Google Pay, Alipay, WeChat Pay.
    • Supports ERC-20, TRON, BNB, Polygon, Arbitrum, Optimism.
    • Crypto withdrawal fees start from 1 USD.
    • Accepted on Visa-network at 40M+ merchants.

    The catches

    • Limited to BTC, ETH, USDT, and USDC.
    • No cashback or staking rewards program (0%).
    • Virtual card requires an upfront, in-app fee.

    Limitations

    • moderateNo cashback or rewards program
    • moderateATM withdrawal fees and limits disclosed only in-app
    • moderateLimited cryptocurrency support (only BTC, ETH, USDT, USDC)
    • moderateSome fees only disclosed within the app after registration
    • minorVirtual card application fee required (disclosed in-app)
    • minorZero starting credit limit requires crypto collateralization to build spending power
    • minorUSD is currently the only supported base currency

    What users say

    App Store
    5.0/5.0 (5 ratings)
    Trustpilot
    3.2/5.0 (1 ratings)

    Mixed feedback - positive reports about fast transactions, well-designed app, and easy ID verification; negative reports about virtual card cost, limited crypto support, and occasional account access issues

    Rating breakdown

    Net reward
    2.5
    Custody risk
    2.0
    Availability
    3.5
    Features & convenience
    3.5

    See our methodology for how we score each axis.