Core

Rewards · first band

3% base; monthly bands apply

Foreign-currency fee

Plasma 0.5% + Visa fee (typically about 1%)

Card issuance fee

Up to two virtual cards included

Maintenance / subscription

$199/year or lock 20,000 XPL for 12 months

Spend your own onchain balance · USDT / USDC / USDG

Complete the account and card onboarding

Before you apply

Invitation and KYC required; confirm issuance eligibility for your country. Current help pages qualify the homepage’s free-card and 2% claims with regional fees and cashback bands.

Regional availability is not individual approval. Figures refer to the selected card/plan; check tier, identity-document and delivery conditions.

A fixed processing time and return currency were not established for this program. Check the transaction and contact official support using the steps below.

Cancellations, refunds and support

Request a cancellation or return from the merchant and obtain a confirmation or refund reference. Record whether the card transaction is pending or settled.

Cancellation and subscriptions

Cancel subscriptions in the merchant account and check the next billing date. Freezing or closing a card does not cancel the merchant subscription.

Declined or unfamiliar transactions

Check the decline reason, balance, limits and activation status. For an unfamiliar payment, use the available card-lock control and notify official support promptly.

What to prepare for support

Prepare the merchant, date, amount, currency, transaction ID, status and refund reference. Ask support for the destination, expected posting date and dispute deadline. Do not send a full card number or wallet secret.

Brand and custody

Card issuer / operator

Rain (product page); Third National named in rewards terms — confirm regional card agreement

Custody of funded balances

User-held stablecoin balance; Bridge provides regional global-account services

The backing stablecoins remain user-held and are not bank deposits. Rain issues the card, Bridge handles regional account services, and you can freeze the card in the app.