Jupiter Card: Fees, Cashback, Physical Card and Limits

The Jupiter Card is a Visa card inside the Jupiter app that spends a USD balance you fund with USDC or USDT. Jupiter's docs list no annual fee and no fee on US-dollar payments, a 1% or 1.8% FX fee on other currencies, and 2% cashback up to $100 a month, per its fees page and FAQ. A physical Jupiter card costs $13.13 plus shipping and is rolling out in phases. Which fees and limits you get depends on which of its two issuers, Rain or DCS, your country of residence puts you with. This guide covers each Jupiter Card fee, the physical card, the cashback rules, and where a prepaid card like SolCard fits instead.

Jupiter describes Jupiter Spend as "a set of regulated financial services integrated into the Jupiter app," built on Solana, per its Spend overview. The card is the spending part of it. You open it from the Spend tab after signing in with Global ID and verifying your identity.

The key facts, from Jupiter's card page:

• Network: Visa. The card works anywhere Visa is accepted.
• Issuers: Rain or DCS. Jupiter assigns one automatically based on your country of residence, and you can't hold cards from both.
• No credit: Jupiter says it "does not issue credit lines: you can only spend what you have deposited."
• Forms: a virtual card, with a physical card rolling out in phases.
• Wallets: Apple Pay and Google Pay carry no Jupiter fee, but whether they support the card depends on your region.

If the difference between a card that spends a deposited balance and one that spends crypto from your wallet is new to you, our explainer on what a crypto debit card is covers both models.

Rain and DCS do not issue the same card. Most of the fees, limits and features that differ between Jupiter users come down to the issuer.

Sources: Jupiter fees and limits, Jupiter Card page

Jupiter says DCS card balances are for spending only until withdrawals arrive, per its fees page. The issuer follows the country of residence you give during verification, not where you use the card, per the card page. You can't pick one.

These are the card fees from Jupiter's fees and limits page:

Card orders, virtual or physical, can't be refunded once placed. The ATM owner can add its own fee on top of Jupiter's. Our guide to crypto card ATM withdrawals explains how those surcharges stack.

What you pay to fund the card depends on the network you send from, per the same fees page:

• USDC or USDT on Solana: no processing fee. If the receiving address has no USDC token account yet, a one-time account creation cost of up to about 0.002 SOL applies.
• Other networks: a processing fee of at least $0.30, plus the network's gas fee.
• Minimum deposit: $3, or $10 on Ethereum.
• Maximum: 200,000 USDC per transfer.

The Spend deposit address takes only USDC and USDT. Its Universal Deposit option accepts listed tokens on Ethereum, Base, Arbitrum, Sui, BSC and Robinhood and converts them to USDC, per Jupiter's Spend overview. Other tokens go through Send to Spend in Jupiter Mobile, which charges a 0.1% or 0.2% fee to convert them to USDC.

A card with no fee on US-dollar payments is free only if you spend in US dollars. Pay in euros, pesos or baht and the 1% or 1.8% FX fee applies to every purchase. On a refund, Jupiter says the FX fee isn't returned, per its FAQ. Our guide to crypto card foreign transaction fees shows how FX fees compare across cards and how to avoid dynamic currency conversion at the terminal.

Jupiter says physical cards are "rolling out in phases, so the option may not be available in your account yet," with full rollout planned by the end of 2026, per its FAQ. When your account is included, you order from the cards page in the app.

From the card page and fees page:

1. Price: $13.13 plus shipping, both taken from your card balance. The app shows the shipping cost before you confirm.
2. Shipping discount: with an available balance of $1,500 or more, you get $30 off tracked shipping in any country. Untracked shipping isn't discounted.
3. Check the details first: your name and address can't be changed after you order, and the order can't be refunded.
4. Activation: you enter the last four digits of the card number.
5. PIN and cash: Rain-issued cards have a PIN you can view and change in the app, and can withdraw cash at some ATMs. DCS-issued cards can't withdraw cash for now.

Jupiter's FAQ says: "All qualifying Jupiter Card purchases earn a base cashback rate of 2%, up to a monthly cap of $100." At 2%, you hit that cap after $5,000 of qualifying spending in a month.

Referrals raise both numbers. Refer two qualifying people in a month and your rate rises to 4%, with a $200 cap. The Claynosaurz card earns the standard 2%, capped at $100 a month across all your cards, per the card page.

Only card purchases at accepted merchants, online and in store, earn cashback. The FAQ excludes:

• ATM withdrawals and P2P transfers
• Refunded or reversed transactions
• Fees and charges
• QR payments
• Financial services and money transfers
• Gambling-related transactions
• Government payments

You must be at least 18 and complete identity verification, per Jupiter's FAQ. Verification has five steps, including an identity document, phone number verification and a liveness check, and APAC users also need proof of address. Jupiter says it "typically takes a few minutes," or 3 to 5 working days if it goes to manual review.

Eligibility depends on your country of residence, not your citizenship, and is set out in the Jupiter Card platform terms, per the card page. If you live in the US, the app asks for your state during the application. Check the platform terms or the app for your own country before you deposit.

Two limits catch people out.

Merchant categories. Jupiter lists merchant types whose payments may be automatically declined, per its fees page. The list includes gambling and gaming, dating and adult services, money transfer and stored-value loads, brokers and trading platforms, and some digital services, gaming platforms and online marketplaces it flags as high-risk. Some merchants are also restricted on the fly by fraud monitoring.

No partial charges. On a Rain card, "if the balance does not cover the full amount, the payment is declined," per the FAQ. Jupiter's FAQ also lists a frozen card and a spending limit as common causes. For decline causes that apply to any crypto card, see our guide on why crypto cards get declined.

Refunds can take up to 7 business days to reach your card balance, per the FAQ. On a Rain card, refunded money goes to your card balance and can't be withdrawn, per the fees page.

Like the Jupiter Card, SolCard spends a USD balance you load in advance, so the two work the same way at the till. They differ in what you can load and where the fees fall. SolCard, a Visa / Mastercard card, loads from USDT, USDC, SOL or other tokens on Solana, Ethereum, Base, Polygon and more, and the main cost on its Virtual tier is a 5% fee at top-up. It needs no bank account and no credit check.

Sources: Jupiter fees and limits, Jupiter Card page, SolCard fees, SolCard help-centre fee breakdown for the $0.30 per transaction.

The table below prices 20 purchases totalling $1,000, funded with USDC from Solana, once in US dollars and once in euros. One-time card fees are left out.

SolCard's per-purchase fee is the $6 (20 × $0.30). On Virtual, that means loading $1,006, and covering the 5% top-up on it takes about $1,058.95, which is where the $58.95 comes from. Platinum skips the top-up fee. Both SolCard tiers also charge $10 to issue the card. On the Jupiter side, the 2% cashback returns $20 on this month, well under the $100 cap.

So for US-dollar spending funded from Solana, the Jupiter Card has no card fees at all, provided Jupiter serves your country. In euros, Platinum's $6 to $21 overlaps the Jupiter Card's $10 or $18. Virtual is the costliest row in both columns because of its 5% top-up.

• Your funds aren't on Jupiter's deposit list. Jupiter takes USDC and USDT on Solana, plus listed tokens on Ethereum, Base, Arbitrum, Sui, BSC and Robinhood. SolCard tops up from Solana, Ethereum, Base, Polygon and more, including SOL.
• Your spending fits under $10,000 a month. That is the limit on SolCard's Virtual tier, which doesn't require ID verification, whereas every Jupiter applicant goes through Global ID verification.
• You were placed with DCS and want cash access. DCS-issued Jupiter cards can't use ATMs or withdraw the balance yet. SolCard's physical Platinum card works at ATMs.
• You want a physical card and Apple Pay or Google Pay now. SolCard's Platinum tier has both, outside the US.

Check two things before you pick SolCard. US residents can get Virtual but not Platinum, and Nigeria, Russia, South Africa and Ukraine are among the countries on its restricted list. And as a prepaid card, it often can't cover hotel and car-rental deposit holds, so it suits purchases you pay for in full. The virtual cards page has the Virtual tier's details, and /compare sets SolCard against other cards.

If you keep USDC or USDT on Solana and Jupiter issues a card in your country, the Jupiter Card is a low-cost way to spend it. It has no annual fee, no fee on US-dollar payments, and 2% cashback up to $100 a month. Check which issuer you get before you rely on it: a DCS card charges 1.8% FX, has daily and annual limits, and can't withdraw cash or move the balance out yet.

If you hold crypto on networks Jupiter doesn't list, want a physical card with Apple Pay or Google Pay today, or only need a virtual card for under $10,000 a month, SolCard is worth comparing. Its Platinum tier has a 0% top-up fee, and its Virtual tier charges 5%. Cards beyond these two are covered in our best crypto debit cards roundup and our USDT card guide.

There is no annual fee and no fee on US-dollar payments, per Jupiter's fees page. Non-USD payments cost 1% or 1.8%, depending on your issuer, and the physical card costs $13.13 plus shipping.

Visa. Jupiter says the card works anywhere Visa is accepted, per its card page.

When the physical card reaches your account, an order option appears on the cards page in the Jupiter app. Jupiter is rolling it out in phases, with full rollout planned by the end of 2026, per its FAQ.

2% on qualifying purchases, up to $100 a month. Referring two qualifying people in a month raises it to 4% with a $200 cap, per Jupiter's FAQ.

Yes. You verify through Global ID with an identity document, phone verification and a liveness check, and APAC users also provide proof of address, per Jupiter's FAQ.

On a Rain-issued card, yes, for $1 plus 0.65% per withdrawal, plus any ATM operator fee. DCS-issued cards can't withdraw cash for now, per Jupiter's fees page.

No. Jupiter says it "does not issue credit lines: you can only spend what you have deposited," per its card page.