Our Official Verdict
Spend DeFi Assets Globally: 2% Back in 1INCH
The standard 1inch card is a high-performance tool for the modern Web3 user. It offers 2% cashback and a Free annual fee, functioning as an efficient exit-ramp for your on-chain yield.
Overview
Prepaid Mastercard for the 1inch ecosystem. Features tiered rewards and deep mobile app integration.
Fees & Charges
Annual Fee
Free
FX Fee
1%
ATM Fee
2%
Requirements
Supported Regions
EEA, UK
Spendable Assets
1INCH, USDT, BTC, LTC, XRP, BXX
1inch Mastercard Review
The 1inch Mastercard is a prepaid crypto card designed to let 1inch users spend digital assets in everyday purchases.
The DeFi Professional's Debit Card
The 1inch Mastercard is a high-utility payment tool that represents the next evolution of decentralized finance. It is a debit card that allows users to leverage the liquidity of the 1inch Aggregation Protocol for daily retail transactions. Whether you are paying for coffee or an international flight, the 1inch card ensures that your digital assets are converted at the best possible market rate, with no hidden exchange spreads.
Spending & Mechanics: Native Aggregator Logic
The "Secret Sauce" of the 1inch Card is its connection to the 1inch backend.
- Asset Support: Spend 1INCH, USDT, BTC, LTC, XRP, BXX, and more.
- Network: Global Mastercard acceptance (90M+ locations).
- Optimization: The app automatically selects the most efficient route for your crypto-to-fiat swap, minimizing the "silent fees" associated with market slippage.
Fees Analysis: Understanding the Baanx Layer
The issuer does not publish a full fee table on the public card page. Assume fees vary by region and funding method, and confirm all FX, ATM, and conversion charges inside the card app before relying on any ROI math.
User Experience: Virtual vs. Physical Form Factors
- Virtual Card: Available instantly upon approval. Full support for Apple Pay and Google Pay.
- Physical Card: A sleek, heavy-duty black card featuring the 1inch unicorn logo. Ideal for ATM access and high-limit retail use.
- App Integration: The "Card" tab within the 1inch app provides a unified view of your on-chain assets and your card's spendable fiat equivalent.
Verdict
The 1inch Mastercard is the "Pro Off-ramp." It is designed for users who understand the value of aggregation and want their real-world spending to reflect their technical sophistication. While the fee structure is slightly higher than basic exchange cards, the native integration with the world's best DEX aggregator and the potential for 2% cashback makes it an elite choice for the 2026 DeFi enthusiast.
Fees and break-even math
Annual fee: Not disclosed publicly; FX fee: Not disclosed publicly; ATM fee: Not disclosed publicly. Break-even math requires the in-app fee schedule. 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, rewards caps, and FX fees before choosing.
