Stablecoin card perks beyond cashback come from three kinds of provider: the card issuer's built-in rewards, such as 
Rain's points, 
Reap's lounge access, and 
Wirex's merchant offers; Visa's and Mastercard's offers platforms; and specialist vendors for card-linked offers, travel perks, gift cards, and loyalty rules. Most programs build cashback and points in-house and add the rest from these providers.
Cashback is the expensive part. At 
ether.fi, 
Wirex One, 
Plasma One, and 
Ethena Pay, the four programs paying the most cashback onchain that we track, cashback in October 2026 came to 1.2-2.9% of each program's card spend, while most early programs keep about 0.1% of spend in net interchange (how much interchange a card program keeps). Perks that merchants fund, that only some cardholders use, or that cost less per USD of spend let a program stand out without paying that gap on every purchase.
What Counts as a Stablecoin Card Perk
Perks fall into six groups, and they differ most in who pays:
- Cashback and points, paid by the program in a stablecoin, its own token, or points.
- Card-linked offers: extra cashback at named merchants, funded by those merchants and matched to card transactions automatically.
- Network benefits that come with the card product, such as a Visa Infinite tier.
- Travel perks: airport lounges, fast-track security, airport dining, and eSIMs.
- Gift cards and payouts, mostly as ways to redeem points.
- Onchain rewards: tokenised points, token cashback, and tiers tied to holding or staking a token.
Whether rewards come built in is worth weighing alongside coverage, licences, and funding when you compare stablecoin card issuers.
Stablecoin Card Perks Providers Compared
These are the providers we could verify sell perks to card programs, checked against their websites, documentation, and announcements in November 2026. Prices are rarely public; "not public" means we could not find them.
| Provider | Category | What a Program Gets | Who Funds the Reward | Published Pricing |
|---|---|---|---|---|
| ProviderRain Rewards | CategoryIssuer points | What a Program GetsBranded points, onchain | Who Funds the RewardThe program, on redemption | Published PricingFree add-on; pay only for redeemed points |
| ProviderReap Rewards | CategoryIssuer benefits | What a Program GetsPriority Pass lounge access by API | Who Funds the RewardThe program, from a deposit | Published PricingNo minimum; pass prices not public |
| ProviderWirex | CategoryIssuer offers | What a Program GetsMerchant offers alongside the card | Who Funds the RewardMerchants | Published PricingNot public |
| ProviderVisa Offers Network | CategoryNetwork offers | What a Program GetsCard-linked and affiliate offers | Who Funds the RewardOffer commissions | Published PricingNot public |
| ProviderMastercard Offers Network | CategoryNetwork offers | What a Program GetsMerchant offers in banking apps | Who Funds the RewardMerchants | Published PricingNot public |
| ProviderKard | CategoryCard-linked offers | What a Program GetsOffers API, US-focused | Who Funds the RewardMerchants; the program shares revenue | Published PricingNot public |
| ProviderCollinson | CategoryTravel | What a Program GetsPriority Pass and LoungeKey | Who Funds the RewardThe program or cardholder | Published PricingNot public |
| ProviderDragonPass | CategoryTravel | What a Program GetsLounges, fast track, dining, eSIMs | Who Funds the RewardThe program or cardholder | Published PricingNot public |
| ProviderTremendous | CategoryFulfilment | What a Program GetsGift cards, prepaid Visa, payouts | Who Funds the RewardThe program | Published PricingNo platform fee; gift cards at face value |
| ProviderBitrefill | CategoryCrypto catalogue | What a Program GetsGift cards and eSIMs bought with crypto | Who Funds the RewardThe cardholder; the program earns a share | Published PricingNo integration cost |
| ProviderTalon.One | CategoryLoyalty engine | What a Program GetsRules for points, tiers, and referrals | Who Funds the RewardThe program | Published PricingNot public |
Network Benefits: What Visa and Mastercard Add
Visa and Mastercard add two kinds of perk: card tier benefits and offers platforms.
Card Tier Benefits
Both networks offer card tiers, from Visa Platinum to Visa Infinite and from Mastercard World to World Elite, and what each includes varies by region and issuer. Stablecoin programs use them too: 
KAST lists its free Standard card as Visa Platinum, and its Premium and Private cards, at $1,000 and $10,000 a year, as Visa Infinite. Whether you can offer a tier depends on your issuer's card ranges and network approval.
In the EU and UK, consumer debit interchange is capped at 0.2% whatever the tier, so a premium debit product there adds cost without adding interchange.
Offers Platforms
Both networks run card-linked offer marketplaces a program can show in its app:
- Visa Offers Network serves card-linked and affiliate offers from a central catalogue, handles personalisation and redemption tracking, and can pay rewards as statement credits. Visa says it is available in all regions, including to approved non-issuers.
- Mastercard Offers Network places merchant-funded offers inside banking apps and ties each one to a confirmed purchase. In June 2026 it was live in the US, Poland, Canada, Australia, and Hong Kong.
Ask your issuer whether your program can join. Paymentscan's payment network data shows how stablecoin card spend splits between Visa and Mastercard.
Provider Profiles
Rain Rewards
Rain launched Rewards in June 2026, building on Uptop, a card-linking rewards platform on 
Avalanche that Rain bought in November 2025 and that had run rewards for teams such as the Cleveland Cavaliers. Programs set the name, earn rates, and redemption, and points are minted onchain, as a token unique to each program, once a transaction settles. Cardholders redeem them as a statement credit or in a white-label travel portal for hotels and flights.
There is no platform or setup fee: programs fund only the points cardholders redeem. Rain says enrolled cardholders spent 25% more than others in a beta on the Avalanche Card. It suits Rain-issued programs that want points without a loyalty vendor, but it works on Rain cards only, and redemption options are narrow for now.
Reap Rewards
Reap issues stablecoin cards in the US and Hong Kong, and 
RedotPay, ether.fi, and KAST each use it alongside a second issuer. In October 2026 it launched Reap Rewards with Collinson, adding Priority Pass lounge access to the programs it issues.
A program deposits any amount, with no minimum commitment, and assigns passes by API, each one deducted from the deposit. Reap says pooling demand across its clients gets rates single programs can't, and that going direct through a card network's lounge program can mean an integration fee of $250,000 or more. Cashback, merchant offers, eSIMs, and concierge services are on its roadmap. It suits Reap programs that want a premium perk without a minimum, but lounge access is the only live benefit, and pass prices are not public.
Wirex
Wirex provides merchant offers alongside its cards, together with accounts, FX, payouts, yield, and credit. In Wirex's own app, merchant cashback is funded by the merchant at a rate it sets, and paid once the merchant confirms the purchase, which can take days or weeks. Wirex One paid cashback worth 1.4% of spend in October 2026.
Wirex is also building the wallet and card for Barça Mobile, FC Barcelona's official mobile network. It suits programs that want merchant-funded offers from their card provider, but we found no public terms for partner programs, so ask which merchants and markets the offers cover.
Kard
Kard sells card-linked offers to issuers and fintechs through an API, with no-click activation, automatic enrolment, the program's own branding, and a revenue share the program controls. Its merchant coverage is US-focused, and Varo, Robinhood, and Kikoff appear among its clients.
Citi agreed in August 2026 to buy Kard; until the deal closes, the two operate independently. Kard suits US-focused programs that want merchant-funded rewards with little build, but its pricing is not public, so ask how the Citi deal affects terms for other programs.
Collinson (Priority Pass and LoungeKey)
Collinson International owns Priority Pass, which it puts at more than 1,900 lounges and travel experiences, and runs LoungeKey, which makes a cardholder's own payment card the lounge pass. Programs can onboard by API, white-label, or a turnkey setup.
Crypto.com includes Priority Pass on its Level Up Pro plan, with a set number of free visits, and on Private, with unlimited visits, and runs a pre-authorisation check on the card at the lounge. Collinson suits programs with a premium plan to attach lounge access to, but its prices are not public, and Reap's figure for a direct integration favours an issuer-level deal for small programs.
DragonPass
DragonPass offers more than 1,400 airport lounges, fast-track lanes, airport dining, and travel eSIMs. Programs can use its app with optional co-branding, or integrate by API, SDK, white-label, or vouchers, and choose which benefits to fund and which to charge for.
Its clients include Visa, Mastercard, Revolut, and Maya, which built lounge access into its app for its Black credit card. DeCard, a card brand for stablecoin spending from DCS (formerly Diners Club Singapore), gives holders of its Luminaries credit card two DragonPass visits a year. DragonPass suits programs that want travel perks inside their own app, free or paid, but its prices are not public.
Tremendous
Tremendous sends gift cards from more than 2,000 brands, prepaid Visa cards, and PayPal, Venmo, or bank payouts to over 200 countries by API, giving points a use beyond statement credit. It charges no platform fee: gift cards and prepaid Visa cards cost face value, and cash payouts 4-6%. It suits points programs that need redemption options, but it is funded in fiat, and rewards arrive as gift cards or cash, not stablecoins.
Bitrefill
Bitrefill sells gift cards, eSIMs, and phone top-ups for crypto, including USDC and USDT, in more than 170 countries. Wallets can embed its branded widget or connect through MCP at no cost, and earn a share of each sale, agreed case by case. It reverses the usual flow: cardholders spend their balances, and the program earns. It suits wallet-based programs whose users want more ways to spend stablecoins, but it isn't a funded reward.
Talon.One
Talon.One is a loyalty engine: it runs the rules, not the rewards. It applies rewards, tiers, or benefits automatically on card transactions, deposits, and repayments, and runs capped referral programs that pay only after verified activation. Bilt runs its rewards campaigns and earn-and-redeem logic on it, and the Indonesian crypto app Pintu uses it for referrals.
Adyen completed its acquisition of Talon.One on 1 July 2026. Talon.One suits programs that build cashback and points in-house but not the rules engine. It has no offers or perks catalogue of its own and its pricing is not public, so ask how its roadmap and pricing change under Adyen.
What Stablecoin Card Perks Cost, and What They Do
Cashback above net interchange has to be paid from elsewhere, such as a token treasury, staking requirements, or paid tiers. KAST shows the tiered version: 1.5% cashback on up to $2,000 a month on its free plan, 2% on up to $10,000 for $1,000 a year, and 3% on up to $40,000 for $10,000 a year.
| Perk | Who Pays | Cost to the Program | What It Does |
|---|---|---|---|
| PerkCashback | Who PaysThe program | Cost to the ProgramThe rate on every eligible purchase | What It DoesLifts spend; the cost grows with it |
| PerkPoints | Who PaysThe program | Cost to the ProgramRedeemed points only | What It DoesSame pull as cashback, with breakage |
| PerkCard-linked offers | Who PaysMerchants | Cost to the ProgramIntegration and app space | What It DoesSavings, if merchants cover your market |
| PerkPremium network tier | Who PaysSet with the issuer | Cost to the ProgramNot public | What It DoesPositioning; benefits vary by region |
| PerkLounge access | Who PaysThe program or paid plans | Cost to the ProgramPer pass or member | What It DoesRetention among travellers |
| PerkGift cards | Who PaysThe program | Cost to the ProgramFace value | What It DoesA use for points |
| PerkToken rewards | Who PaysThe token treasury | Cost to the ProgramToken supply, not cash | What It DoesGrowth while the token holds value |
Where Paymentscan can see individual cardholders, fewer than a quarter of them account for over 90% of card spend, so a flat cashback rate's cost tracks the heavy spenders anyway. A paid tier makes them fund part of a higher rate, as KAST's does, and a lounge pass rewards them without a percentage on every purchase.
Evidence on returns is thin: Rain's 25% uplift comes from a beta. Before scaling a perk, compare spend per active card and churn for cardholders who use it against those who don't.
How to Choose Stablecoin Card Perks Providers
Start with what your issuer includes, since every vendor you add is another contract and integration. Then match the perk to how your program earns:
- Early program on Rain or Reap. Use what the issuer includes first: Rain's points cost nothing until redeemed, and Reap's lounge passes need no minimum.
- Crypto-native wallet with a token. Cashback above interchange can come from the token treasury. Rain's onchain points fit the product, and Bitrefill's catalogue gives users more to spend balances on at no cost to the program.
- US consumer program. USD debit cards issued through a US bank exempt from the Regulation II cap earn about 1.2-1.5% gross interchange, enough to fund modest cashback. Kard or your network's offers platform adds merchant-funded rates on top.
- European program. At a 0.2% cap, interchange funds almost no cashback. Lean on merchant-funded offers, such as Wirex's or a network platform's, and on paid tiers.
- Premium or high-spend program. Put the extras behind a paid plan: a Visa Infinite tier and higher capped cashback, as KAST does, or lounge access through Collinson, DragonPass, or Reap, as Crypto.com does with Priority Pass.
- Community card or micro bank. Perks come from the community, such as sponsor-funded offers and events; Rain says fans in Uptop's Cavs Rewards program spent 21% more with team sponsors. Talon.One, or Rain's points on a Rain card, runs the rules.
Ask every provider who funds each reward, what you pay per member, pass, or redemption, which markets its merchants or lounges cover, and whether it plugs into your issuer or needs its own transaction feed. Our breakdown of card program costs covers the rest of the budget.