Best 1inch Crypto Cards 2026

The 1inch Card is the card program operated by 1inch, offering a lineup of crypto payment cards for everyday spending.

Overview of 1inch Cards

The First "DeFi-First" Global Mastercard

1inch has established itself as the world's most advanced decentralized exchange (DEX) aggregator, providing users with the best possible swap rates across multiple chains. In 2025 and 2026, the platform successfully translated this ethos of "Optimal Execution" into the payment space with the 1inch Card. This Mastercard debit card allows users to spend their digital assets directly from the 1inch mobile app, bridging the gap between deep DeFi liquidity and the retail economy.

Powered by the Baanx infrastructure, the 1inch Card is designed for the user who lives entirely on-chain but requires a reliable, global off-ramp for their daily life.

The Ecosystem: App-Native Card Integration

The 1inch Card is positioned as an extension of the 1inch app experience. Funding mechanics, supported assets, and conversion rules are defined in-app, so treat swap routing and chain support as issuer-controlled features.

Rewards: Verify In-App

Public card materials do not publish a full rewards table. Treat cashback rates, staking boosts, or reward assets as in-app disclosures until the issuer posts a public schedule.

How It Works: Issuer Rails + Non-Custodial Wallet

The issuer describes a non-custodial model where funds remain in your wallet until the point of spend. Baanx provides card issuance and settlement rails, while 1inch handles the wallet layer.

Availability & Regional Coverage

Issuer FAQs list the UK and the European Economic Area (EEA) as primary availability regions, with broader coverage subject to issuer rollout and compliance. Confirm availability in-app before applying.

Trust & Security: Issuer and Custody Model

Issuer materials list Monavate as the card issuer and Baanx as the card program partner. The wallet itself is described as non-custodial, but users should still review KYC and card controls before funding.

Due Diligence Checklist

This program has more moving parts than a typical bank card, so treat the issuer app and terms as the source of truth. Before you apply, validate the items below and save screenshots of the current fee table.

• Fee schedule: annual/monthly fees, FX markup, ATM fees, and replacement charges.
• Reward caps: base rate, tier multipliers, and any staking or balance requirements.
• Payout asset and timing: when rewards post and whether they are spendable immediately.
• Limits: daily/weekly/monthly spend caps and ATM withdrawal limits.
• Availability: supported countries, KYC requirements, and waitlist status.
• Custody and recovery: where funds are held and how account recovery works.
• Dispute process: chargebacks, freezes, and support response times.

If any of these items are not published, treat marketing claims as provisional. For ROI modeling, assume the lowest reward tier and include expected FX/ATM costs until you can verify the exact fee table. This prevents overestimating net returns and keeps comparisons fair across issuers.

Also confirm which assets can be spent directly versus those that require pre-conversion, and whether the issuer uses on-chain swaps, internal order books, or a custodial conversion desk. This affects pricing, slippage, and tax reporting. If the card relies on a specific chain or bridge, confirm network fees and settlement timing.

Verdict: The Smart Choice for DeFi Power Users

If your primary activity in crypto involves using DEXs and the 1inch app, the 1inch Card is a natural off-ramp. Rewards and fee details should be confirmed in-app until the issuer publishes a full public schedule.

Fees and ROI framework

Use a consistent ROI lens across the issuer's tiers: break-even = annual fee / effective rewards rate. If the fee is paid in a token stake rather than cash, treat the opportunity cost of that stake as part of the annualized fee. For FX and ATM fees, translate the percentage into dollar impact on your typical monthly spend and withdrawals to quantify the real cost of convenience. All numeric fee and limit figures referenced above are sourced from the issuer documentation listed below. Source: Issuer card page.

Competitor comparison

Closest alternatives include the MetaMask Card and the Gnosis Pay Card. Compare custody model, reward caps, staking requirements, and FX treatment before choosing a primary card.

Availability and compliance notes

Expect standard KYC checks and region-based eligibility. Availability can shift with partner banks or regulatory changes, so confirm supported countries and tier requirements directly with the issuer before applying.

Sources

• Issuer card page