A strong USD-denominated stablecoin card with 2% base cashback, but its current country list excludes Spain and non-USD FX can materially reduce the result.
We assess the product first and any commercial relationship second. Terms and regional access can change after the verification date.
- Category
- Crypto Cards
- Research confidence
- High
- Published fees
- 1–1.8% non-USD FX
- Primary sources
- 3 reviewed
USDC or USDT is converted into a USD Spend balance before card use
2% base cashback up to $100 monthly; 4% can be unlocked through qualifying referrals
Non-USD card spending costs 1% with Rain or 1.8% with DCS
Who should investigate further
- Eligible residents who spend mainly in USD
- Stablecoin users wanting a dedicated card balance
- People who value a fixed base reward without a paid annual plan
Who may prefer an alternative
- Residents of Spain under the current published country list
- Frequent non-USD spenders who cannot offset FX
- Users wanting to spend arbitrary wallet assets directly at checkout
The Spend balance comes before the card
Jupiter Card is a Visa debit card. Users deposit USDC on Solana, Sui, Arbitrum or Base, or USDT on Solana, and the supported stablecoin is credited one-to-one into a USD Spend balance. The merchant transaction draws from that USD balance rather than swapping the wallet asset at checkout.
Issuer assignment depends on residence. DCS currently serves a defined group of Asian-Pacific countries, while Rain serves the other supported locations. The issuer changes the applicable FX rate and limits, so country is part of the economic comparison.
2% base cashback, with a referral-based higher tier
Every qualifying purchase currently earns 2% in USDC up to a $100 monthly cap across all cards under the same Jupiter ID. The provider publishes a 4% rate with a $200 cap for a calendar month after at least two qualifying referrals during the previous month.
The higher rate is not a permanent card characteristic and should not be used as the default return. ATM, P2P, QR, financial-service, quasi-cash, gambling and other excluded transactions do not earn the reward.
Availability matters more than the headline rate
Jupiter publishes an active country and US-state list based on residence and identity verification. Spain and most of the EEA were not on that list when Galeora checked it on 4 October 2026, so the product should not be presented as a current Spanish alternative to Ether.fi or Bybit EU.
When available, non-USD spending currently incurs 1% FX with Rain or 1.8% with DCS. A 2% reward therefore falls to roughly 1% or 0.2% before other costs on an otherwise eligible non-USD purchase.
Fees and rewards we can state precisely
Issuer depends on country of residence
Qualifying purchases; standard $100 monthly account cap and referral rules apply
What readers usually need to know
Is Jupiter Card available in Spain?
Spain was not included in Jupiter's published supported-country list when checked on 4 October 2026. Eligibility can change and is confirmed during KYC.
Does Jupiter Card always earn 2%?
The base programme publishes 2% on qualifying purchases up to $100 monthly. Exclusions and account-level caps apply.
How is the 4% rate unlocked?
The current programme requires at least two qualifying referrals in the previous calendar month; the higher rate then applies for the following month with a $200 cap.
Primary sources
Product documentation supports the factual claims. Our assessment remains independent.
Check the live terms, availability and product fit before continuing.