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Our Official Verdict
Spend Crypto in Brazil: Up to 2% Back in BNB
A prepaid Mastercard that integrates directly with your Binance wallet. Offers up to 2% cashback in BNB with Free annual fees. The standout feature is spending directly from Flexible Earn while continuing to accrue yield. Currently available in Brazil only.
Fees & Charges
Annual Fee
Free
FX Fee
2%
ATM Fee
0%
Requirements
Supported Regions
Brazil
Spendable Assets
BNB, BTC, ETH, USDT, USDC, FDUSD, SOL, ADA, LINK, XRP
Binance Mastercard Review
The Binance Mastercard is a prepaid crypto card for Brazilian Binance users, offering up to 2% BNB cashback at 150M+ merchants.
Brazil's Exchange Off-Ramp
The Binance Mastercard is the relaunched card program that went live in Brazil in October 2025. It replaced the discontinued Visa card and operates on the Mastercard network, allowing Brazilian users to spend crypto from their Binance wallet at over 150 million merchants worldwide.
Spending Mechanics
The card converts crypto to Brazilian Real (BRL) in real time at the point of sale.
- 10 supported assets: USDT, USDC, FDUSD, BNB, BTC, ETH, SOL, ADA, LINK, XRP
- Flexible Earn spending: Keep funds in Flexible Earn (up to 6.05% APR) and spend directly without transferring. Your balance continues earning yield.
- Virtual card: Available instantly after approval. Add to Apple Pay or Google Pay.
- Physical card: Free delivery. Requires minimum 10 USDT equivalent balance.
Fee Breakdown
| Fee | Amount |
|---|---|
| Annual fee | $0 |
| Crypto conversion | 0.9% per transaction |
| Foreign exchange | 1-2% |
| ATM | 2 free/month, then $1.50 each |
ROI math: At 2% cashback, domestic purchases net ~1.1% after the 0.9% conversion fee. International transactions cost 1.9-2.9% (conversion + FX), so cashback barely breaks even on cross-border spending.
Cashback Program
Up to 2% cashback in BNB on eligible purchases. Capped at 250 BRL/month (~$42). Promotional periods may boost to 3% (Dec 2025 through Feb 2026 was the most recent promo).
Note: the old 8% tiered BNB cashback system was part of the discontinued Visa card and no longer applies.
Limits
Daily spending: 25,000 BRL. Monthly: 50,000 BRL. Annual: 200,000 BRL. ATM: 3,000 BRL/day, max 3 withdrawals per day.
Verdict
A functional off-ramp for Brazilian Binance users with a clean $0 fee structure. The Flexible Earn integration is the standout feature, letting your balance work for you until the moment you spend. However, the 250 BRL/month cashback cap and Brazil-only availability make this a regional product, not the global powerhouse the old Visa card was.
Fees and break-even math
Annual fee: $0. Crypto conversion: 0.9%. FX: 1-2%. ATM: 2 free/month, then $1.50.
Domestic break-even is immediate at 2% cashback (netting ~1.1%). International break-even depends on the FX rate applied. The 250 BRL/month cashback cap means max annual reward is 3,000 BRL ($500).
Competitor comparison
In Brazil, direct alternatives are limited. Globally, Bybit Card offers broader availability, and Crypto.com provides tiered staking rewards. For no-FX spending, consider Gnosis Pay (EEA only).
Sources
Last verified: Feb 10, 2026 - Data sourced from official Binance documentation.
â â â â â4.7/5 App Store (111.6K ratings)
