Best Crypto Cards in Peru (2026)
Compare 18 crypto cards available in Peru. Growing crypto adoption, PEN settlement, and no specific crypto regulation creates opportunity.
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Avici Platinum Card
Avici Signature Card
Basic (Midnight Blue)
Bybit Supreme VIP Card
ether.fi Luxe Card
ether.fi Pinnacle Card
ether.fi VIP Card
Jupiter Global
KAST Bitcoin Black Card
KAST Bitcoin Silver Card
KAST Founders Edition
KAST K Card
KAST Solana Card
KAST Solana Gold Card
KAST Solana Illuma Card
KAST Solana Solid Gold Card
KAST X Card
Ledger CL Card
MetaMask Metal Card
MetaMask Virtual Card
Plus (Ruby Steel)
Prime
Private (Icy White / Rose Gold)
Private (Obsidian)
Pro (Royal Indigo / Jade Green)
RedotPay Physical Card
RedotPay Solana Card
RedotPay Virtual Card
Tria Premium Card
Tria Signature Card
Tria Virtual Card
Xplace Gold Club Card
Xplace Platinum Club Card
Xplace Silver Club Card
Xplace Standard Card
Verified for Peru
35 crypto cards available
Local currency: PEN
If you bank with BCP, BBVA Peru, or Interbank, your debit card earns zero cashback and charges 3-5% on non-PEN purchases. Peru's 18 crypto cards offer up to 10% cashback, zero FX fees, and a regulatory environment that is permissive by default: no specific crypto legislation exists yet.
Peru has growing crypto adoption driven by PEN (Sol) depreciation concerns and remittance demand. The SBS (Superintendencia de Banca, Seguros y AFP) has explored crypto regulation but no comprehensive framework is in place. This creates opportunity for early adopters.
| Card | Max Cashback | Annual Fee | FX Fee | Type | Best For |
|---|---|---|---|---|---|
| Bybit | 10% | $0 | 0.5% | Debit | Highest cashback (VIP tier) |
| Binance | 8% | $0 | 0% | Debit | Binance ecosystem |
| Crypto.com | 5% | $0 | 0% | Prepaid | Metal tiers with lounge access |
| KAST | 2% | $0 | 0% | Prepaid | No-fee starter card |
| Bleap | 2% | $0 | 0% | Debit | Self-custody spending |
| Ledger | 1% | $0 | 1.75% | Debit | Hardware wallet users |
| RedotPay | 0% | $0 | 1.2% | Prepaid | Budget LATAM option |
KAST is the best entry point: 2% cashback, zero FX fee, zero annual fee. For maximum cashback, Binance at 8% has growing LATAM presence in Peru.
Best Card For Every Need in Peru
Top 10 Crypto Cards in Peru
1. Bybit Supreme VIP Card
The Ultimate Trader Card: 10% Back + ChatGPT & TradingView Rebates
2. KAST Solana Gold Card
24K Gold Plated: 8% Points + VIP Concierge at $10,000/yr
3. KAST Solana Solid Gold Card
37g Solid Gold: The Only Solid Gold Crypto Card on the Market
4. Prime
The Apex: 8% Uncapped CRO Rewards + Private Account Manager
5. Tria Premium Card
Ultimate Web3 Luxury: 6% Cashback + Zero ATM Fees
6. KAST Bitcoin Black Card
Bitcoin Black Metal: 5% Points + 4% $MOVE at $1,000/yr
7. KAST Founders Edition
Strictly Limited: $5,000 One-Time + VIP Concierge + No Annual Fee
8. KAST Solana Illuma Card
Illuminating Metal: 5% Points + 4% $MOVE at $1,000/yr
9. KAST X Card
Chromoly Metal: 5% Points + 4% $MOVE at $1,000/yr
10. Private (Obsidian)
The Pinnacle: 5% Cashback + Private Jet Perks
Crypto Card Regulation in Peru
The SBS (Superintendencia de Banca, Seguros y AFP) and SMV (Superintendencia del Mercado de Valores) have explored crypto regulation but no comprehensive crypto-specific framework exists. Crypto is not banned and not explicitly regulated. The BCRP (Banco Central de Reserva del Peru) has issued warnings about crypto risks but has not prohibited ownership or trading.
Peru's Congress has considered crypto legislation but nothing has been enacted. The regulatory approach is permissive by default: what is not prohibited is allowed.
Bybit, Binance, and Crypto.com serve Peruvian users under LATAM/global coverage. Buda.com operates in Peru. KAST and RedotPay serve under global coverage.
No specific crypto regulation means no licensing requirements, but also fewer consumer protections. Use established global issuers.
Tax Treatment of Card Rewards in Peru
Peru's SUNAT (Superintendencia Nacional de Aduanas y de Administracion Tributaria) has not issued specific crypto tax guidance. General income tax rules may apply. Capital gains on securities are taxed at 5% for stock market gains and potentially higher for other assets.
Example: You bought 0.01 BTC at PEN 5,000 and spend it when it is worth PEN 20,000. The PEN 15,000 gain has no specific crypto tax treatment. If classified as capital gains, a rate between 5-30% may apply depending on classification.
Enforcement on individual crypto transactions has been minimal. Peru is developing tax guidance as crypto adoption grows.
| Cashback Type | When Received | When Spent via Card | Total Tax Burden |
|---|---|---|---|
| BTC cashback | Gray area | Gray area | Uncertain (5-30%) |
| USDC cashback | Gray area | ~0% (minimal gain) | Uncertain |
| Points/perks | Not taxed | N/A | 0% |
Stablecoin spending simplifies compliance regardless of how future tax rules develop. Keep records of all transactions for potential future reporting.
How to Apply from Peru
Peruvian crypto card applications require a DNI (Documento Nacional de Identidad, 8 digits) for citizens, or carnet de extranjeria (foreigner's card) plus passport for foreign residents. The RUC (Registro Unico de Contribuyentes, tax ID) may be required.
Proof of Peruvian address via utility bill (recibo de luz/agua), bank statement (estado de cuenta), or municipal certificate (constancia de domicilio). International issuers may require additional documentation for Peruvian residents.
Physical cards ship to Peruvian addresses within 10-21 business days. Virtual cards are available immediately for Apple Pay and Google Pay use.
Spending Tips for Peru
No Specific Tax Framework = Simpler Compliance
Peru's lack of specific crypto tax legislation means the compliance burden is lower than in Chile or Colombia. However, stablecoin funding is still recommended as a hedge against future retroactive legislation. General income tax rules may apply.
Card Selection by Use Case
- Binance (8% cashback): Best for Binance ecosystem users
- Bybit (up to 10% VIP): Best for high-volume Bybit traders
- KAST (2% cashback, free): Best no-fee starter card
- Crypto.com (up to 5%): Best for lounge access at LIM (Jorge Chavez)
Spending Scenario: PEN 3,000/month (~$800)
| Funding Method | Annual Spend | Cashback (8%) | Tax | Net Cashback |
|---|---|---|---|---|
| BTC (appreciated) | PEN 36,000 | PEN 2,880 | PEN 0 (no framework) | PEN 2,880 |
| USDC (stablecoin) | PEN 36,000 | PEN 2,880 | PEN 0 | PEN 2,880 |
PEN 2,880/year covers 2+ months of groceries at Wong or Plaza Vea.
FX Is Critical for PEN Users
PEN is not pegged to USD. Cards with 0% FX fees save 3-5% per transaction versus BCP or BBVA Peru debit cards. On PEN 3,000/month, that is PEN 1,080-1,800/year in FX savings.
Local Payment Infrastructure
Card acceptance is strong in Lima (Miraflores, San Isidro, Barranco), Cusco (tourist infrastructure), and Arequipa. Contactless Visa/Mastercard works at malls (Jockey Plaza, Larcomar), supermarkets (Wong, Plaza Vea, Metro), and modern restaurants. Yape (BCP) and Plin dominate mobile payments (bank/app-only). Mercados, street vendors, and combis (minibuses) are cash-only. Apple Pay adoption is limited but growing.
Supported Exchanges & Wallets in Peru
LATAM exchange cards: Bybit (up to 10% VIP), Binance (8%), and Crypto.com (up to 5%) serve Peruvian users under LATAM/global coverage.
Globally available: KAST, xPlace, and RedotPay serve under worldwide coverage.
Domestic/LATAM: Buda.com (Chilean-founded, operating in Peru) is the most recognized exchange. FluyEZ and Bitinka also serve the Peruvian market. None offer Visa/Mastercard spending cards in our comparison.
Self-custody options: Bleap (2%, free) and Tria (up to 6%) offer self-custody spending for Peruvian users.
Frequently Asked Questions
Is crypto card spending taxed in Peru?
No specific crypto tax framework exists. General income tax rules may apply but enforcement is minimal. SUNAT is developing guidance. Keep records for potential future reporting requirements.
Which crypto card is best for Peruvian users?
KAST K Card for free, zero-FX-fee spending (2% cashback). Binance Card for maximum cashback (8%). Zero FX fee saves 3-5% versus BCP or BBVA Peru debit cards.
Is crypto regulated in Peru?
No comprehensive crypto-specific regulation exists. The SBS and SMV have explored frameworks but nothing is enacted. Crypto is not banned. Use established global issuers for better consumer protection.
Can I use Yape or Plin with a crypto card?
No. Yape and Plin are separate Peruvian mobile payment apps linked to bank accounts. Crypto cards work at Visa/Mastercard terminals. Most malls, supermarkets, and modern restaurants accept both systems.