Pyra Card Review (2026)

Reviewed by Card Pilled Editorial · Last verified 2026-05-09

Key Facts

Cashback

0%

Annual Fee

$0

Region

75+ countries (incl. US)

Type

Credit

Network

Visa

KYC

full

Mobile Pay

Apple Pay, Google Pay

Overview

Pyra is a self-custodial DeFi-native neobank app and Visa card built on Solana, founded in 2024 by Iarla Crewe and Diego Garcia and registered in Panama. The product lets users spend against DeFi-collateralized loans rather than selling their crypto, and as of 2026 has not raised disclosed venture funding.

The Pyra Card is a crypto credit card offered by Pyra, available in 75+ countries (incl. US). There is no annual fee to hold this card.

It is a strong fit for privacy-conscious users who want to keep custody of their keys while spending. Note that collateral is subject to liquidation risk. It runs on the Visa network and requires full identity verification.

Fees & Costs

Conversion Fee

0%

FX Fee

1.2-2% + Visa 0.4-1%

Cashback Tiers

Pyra Card cashback tiers and requirements

Tier	Rate	Requirement
Standard	0%	No cashback, earn yield on collateral instead

Pros

• No annual fee
• Self-custody - you control your private keys
• True credit card - no need to pre-fund with crypto
• Zero conversion fees
• Supports Apple Pay and Google Pay

Cons

• No cashback rewards on purchases
• Monthly cashback caps may limit earnings
• Risk of liquidation if collateral value drops

Note: Crypto-backed credit card via Rain. Borrow against SOL/USDC/USDT collateral on Solana — lending now powered by Kamino (transitioned from Drift after the April 1, 2026 Drift exploit that affected Pyra user funds). No sell, no capital gains event. No credit check. 1.2-2% non-USD FX fee + Visa 0.4-1%. Auto-liquidation at $0 available credit ($0 liquidation fee). ~5% APY on deposited collateral. Apple/Google Pay. NOT available in India, China, Turkey, Israel, Vietnam, Russia, Iran, Cuba, NK.

Similar Cards

Other crypto cards in the same region or category that may suit your spending profile:

• Fuse Card by Squads Labs - 0% cashback, $0 fee, US (excl. NY, AK)
• XPlace Card by XPlace - 0.5-2% USDC + XP cashback, $0-$5,000/yr fee, Global
• Bitbank EPOS CRYPTO Card by Bitbank × Epos Card - 0.5% BTC/ETH/ASTR cashback, ¥0 fee, Japan
• Gemini Credit Card by Gemini - 1-4% cashback, $0 fee, US Only
• Phantom Cash Card by Phantom - 0% (rewards coming later) cashback, $0 fee, US (excl NY/AK)
• Solayer Emerald Card by Solayer - 1% + Points cashback, $10-$75 one-time fee, Global (US restricted)
• Exa Card by Exa Labs (Exactly Protocol) - 0% cashback, $0 fee, 180+ countries
• E Money Card by E Money Network - 2% crypto cashback, $99 one-time fee, 150+ countries

FAQ

What is the Pyra Card?

The Pyra Card is a crypto credit card offered by Pyra. It is available in 75+ countries (incl. US) and allows users to spend cryptocurrency at merchants worldwide.

What are the fees for the Pyra Card?

The Pyra Card has an annual fee of $0. Additional fees: Conversion fee: 0%; FX fee: 1.2-2% + Visa 0.4-1%.

Where is the Pyra Card available?

The Pyra Card is available in 75+ countries (incl. US). Its availability status is "75+ countries".

Is the Pyra Card a credit or debit card?

The Pyra Card is a true credit card, meaning you can make purchases on credit rather than needing to pre-fund the card with cryptocurrency.

Is the Pyra Card a non-custodial card?

Yes, the Pyra Card is a non-custodial (self-custody) card. This means you retain control of your private keys and your crypto is not held by a third party. Funds are only converted at the point of sale, reducing counterparty risk compared to custodial alternatives.

Does the Pyra Card support Apple Pay or Google Pay?

Yes, the Pyra Card supports Apple Pay and Google Pay for contactless payments.

Visit Pyra

Want to see your annual earnings? Use the ROI Calculator to estimate net cashback at your spending level.