Spend Essential™
Our introductory Visa® card.
Daily Limit:
$ 500*
Accepted at 40+ Million Locations
Worldwide
Card Security Features
Virtual or Physical Card*
24/7 Support
Up to $2,000 Referral Rewards**
0.2% Card Rewards Back 
Spend Essential™ gives users access to our platform and all the great features we offer. Upgrades are always available to Spend Preferred and Black.
Spend Preferred™
Our most popular everyday Visa® card.
Daily Limit:
$ 5,000*
Card Security Features
Virtual or Physical Card*
24/7 Support
Up to $5,000 Referral Rewards**
2% Card Rewards Back
Access to Spend VIP
Spend Preferred™ grants users a flexible spending limit for use as an everyday card with access to our Spend VIP Program and enhanced rewards.
Spend Black™
Our exclusive Visa® card for elite users.
Daily Limit:
$ 10,000*
Card Security Features
Virtual or Physical Card*
24/7 Support
Limited Metal Black Card
Up to $10,000 Referral Rewards**
6% Card Rewards Back
Access to Spend VIP
With an optional sleek metal design*, Spend Black™ cardholders receive access to our highest spending limits, and Spend VIP Elite Program.
At no point can cardholders load cryptocurrency such as Bitcoin onto their Spend Visa® Card. All cryptocurrency will be converted to the appropriate local fiat currency first on the Spend Wallet and then that local fiat currency will be loaded on the Spend Visa® Card for use in purchase and ATM withdrawals.
* Subject to availability, verification, & bank approval
** For Essential, referral rewards are $10 per referral up to a maximum of $2,000. For Preferred, referral rewards are $50 per referral up to a maximum of $5,000. For Black, referral rewards are $100 per referral up to a maximum of $10,000.
Spend Membership Enhanced Rewards requires a continuous lock-up of SPND.
How it Works
No more than a few minutes for set up.
Spend VIP
Earn up to an additional 10% back* shopping at your favorite local stores &
retailers. Available for US cardholders. Limits Apply, see Terms & Conditions for
full details. All trademarks below belong to their respective company.
* Available for Spend Preferred & Spend Black Cardholders. ** This product is not yet launched.
Experience Spend on any device.
Making your money available on any device, anywhere.
* Spend.com app is absolutely free for download
from App Store and Google play