Greencart card review — a crypto card that pays you back in B3TR, but only if you live where it works

Updated October 2026

Licensed

Available in US

Fast payouts

18+ Only

The Greencart card is a Visa debit card connected to a self-custodial crypto wallet, and it pays cashback in the B3TR token. The pitch is simple: keep your crypto in your own wallet, spend it through a card, and earn rewards every time you tap. The reality is more layered than the marketing, because who can get the card is limited, several everyday details are not stated on the company’s own pages, and the rewards ceiling is lower than the app’s app-store description suggests. In this review I walk through who the card suits, what it really costs, how topping up works, where it earns cashback, and how it compares with three other crypto cards on the market. By the end you should know whether Greencart fits your situation or whether one of the alternatives does.

The conditions described here are current as of October 28, 2026.

Verdict

Greencart sits at 6.9 out of 10 in my scoring. That score is not a single judgement: it is the average of six criteria, each weighted equally, and the table below shows the marks and my reasoning. The card does some things very well — it has no monthly or annual fee, no foreign-exchange markup, and no fees on withdrawals, transfers or deposits, which is genuinely unusual in the crypto-card market. It also keeps your funds in a self-custodial wallet rather than a custodial exchange, which removes a layer of counterparty risk. Against that, the eligibility list is narrow, the top-up process is thin on detail, the rewards ceiling on the official site is far below the number shown in the App Store description, and several basics — Apple Pay support, ATM fees, daily limits, delivery times — are simply not stated. The card therefore suits a fairly specific reader: someone in an eligible country who wants a low-fee way to spend crypto they already hold, who is comfortable using a self-custody wallet, and who is happy with a 0.5% floor on cashback. If you want richer rewards, broader availability, or a more traditional banking-style product, one of the alternatives further down will likely fit you better.

Score breakdown

The reader this card fits best is an eco-minded European who already holds B3TR or is willing to acquire some, and who wants a no-fee way to spend crypto at a corner shop or online merchant. The reader it does not fit is anyone outside the eligible countries, anyone who needs a card to work in Apple Pay or Google Pay on day one, anyone who needs high cashback, and anyone who is not willing to manage their own seed phrase.

Who will they give you the card

The headline constraint is geography. Greencart is built on top of Gnosis Pay, and the eligible-countries list is set by Gnosis Pay, not by Greencart. The list covers EEA countries plus Argentina, Bolivia, Brazil, Colombia and Mexico. Beyond that, two things decide whether you can be approved. First, you must be at least 18 years old. Second, you must not appear on any sanctions list, and the terms explicitly say you cannot be “located in, controlled from, or a national or resident of sanctioned countries.” In other words, even if your address is in an eligible country, a citizenship or country of birth on a sanctions list can block the application.

The contracting entity also changes depending on where you live. EEA residents are on-boarded through Gnosis P. Tech, Unipessoal Lda; residents of the listed non-EEA countries (the Latin American five) are on-boarded through Gnosis Pay Co Ltd. That matters because it determines which set of terms you agree to and which country’s regulator has primary oversight, and the two are not identical.

The application is a personal account only — there is no business or joint-account option in the public terms. If you want a card for a company or for a household with shared spending, this is not the product for that.

How to get it

Sign-up runs through Greencart’s app, which is available on iOS and Android. The application itself is carried out by third-party compliance providers, which means the onboarding flow is essentially a standard KYC process: you will be asked to prove your identity, your address, and the source of the funds you intend to load onto the card. Greencart’s own pages do not name the specific provider it uses, nor do they state which level of KYC applies at which stage of onboarding — for example, whether basic address verification is enough to start, or whether full source-of-wealth documentation is required before the first card is issued. That is a real gap, and you should expect to provide identity documents and a proof of address at minimum, and possibly more if you are loading meaningful sums.

Once approved, you can choose between a virtual card and a physical card. The virtual card is free; the physical card may carry a one-off administration fee, although the amount is not stated on the public pages I read. The card is a Visa, powered by Gnosis Pay. The card’s settlement currency is not stated, which is something I would want clarified before applying if you plan to spend outside the eurozone.

Delivery times for the physical card are not stated either, and that is unusual for a card product. Most issuers give a window such as 5 to 10 business days. Greencart’s silence on this is worth a question to support before you commit.

Fees: what it really costs

This is the strongest part of the Greencart proposition. The marketing line is “No hidden, monthly, or annual fees”, and the public terms back it up: there are no fees on withdrawals, no fees on transfers, no fees on deposits, and no FX markup. For a crypto card that is genuinely unusual — most competitors charge at least an FX margin or a top-up fee.

There are two areas where you can still pay, though. The first is the optional Greencart+ subscription, which costs USD $7.99 a month (or $4.99 for the first two months as an intro), or USD $79.99 a year. Separately, the App Store lists a “Greencart Max” tier at $350.00, but the public site I read does not describe what Max includes; treat that as a discrepancy worth checking before subscribing. The second area is the physical-card issuance fee mentioned above, which the site does not quantify.

A few figures worth knowing are not on Greencart’s own pages but come from Gnosis Pay’s help centre, and I have flagged them as unofficial. They give a useful indication of what to expect, but they are not Greencart’s own terms and could change. Unofficial: Gnosis Pay’s help centre describes no transaction fee and no FX markup beyond Visa’s rate on the Gnosis Pay card; cash withdrawals at ATMs appear to be 5 free per month (or 200 EURe / GBPe / USDCe, whichever runs out first), and 2% after that. The same unofficial source puts ATM withdrawal limits at 250 per transaction and 500 per day, and spending limits at 5,000 per transaction and 8,000 per rolling 24 hours. None of these figures are confirmed in Greencart’s own public materials.

Finally, cashback is excluded for 48 merchant categories — cash withdrawals, transfers, gambling, taxes and insurance are explicitly named, and there are 43 others. I cover this in the daily-use section below.

Cost summary

How to top up Greencart

The funding model is the second most distinctive thing about the card, after the fee structure. You do not load fiat onto Greencart the way you would on a prepaid travel card. Instead, the card spends from a self-custodial Gnosis Pay Safe, and you recharge that Safe either from a bank account or from a crypto wallet. Both fiat and crypto are accepted, which means you can keep your money in dollars in a bank, in stablecoins in a wallet, or in a mix, and move into the card as you need it.

The principle is clean; the details are not. Greencart’s public pages do not name the specific cryptocurrencies or networks accepted, do not state a minimum top-up, and do not say who pays the on-chain network fee when you send crypto in. If you have ever paid gas on Ethereum or TRX on Tron, you know the fee is set by the network, not the card provider, and it is paid by the sender. The terms just say there are no fees for deposits, which refers to Greencart’s own charges, not to the underlying blockchain. If you are topping up with USDC, for example, you need to be on a network the Safe supports; send USDC on the wrong network and the transfer is irreversible, and it is explicit on that point.

If you decide to leave Greencart, the close-down process is also done through the Safe. You write to [email protected] to terminate, and you then have 60 days of platform access to move your assets out of the Safe. That is generous compared with some programmes that simply freeze balances at termination, but it does mean the closure is not instant.

Paying with Greencart day to day

For everyday use, the card works in two forms: a virtual card for online spending and a physical card for in-store purchases and ATMs. The app is available on both iOS and Android. In the US App Store the app holds a rating of 4.86 from 44 ratings as of the check; the Google Play rating was not read.

What is conspicuously missing from the public information is any mention of Apple Pay or Google Pay. Most modern card programmes are tokenised into mobile wallets on day one, and the absence of confirmation is something to test before relying on the card for contactless payments. If you regularly pay with your phone rather than tapping a card, this is a question to ask support directly.

The cashback structure is the centrepiece. The official site states a floor of 0.5% in B3TR on every purchase, rising with staked B3TR and with a paid Greencart+ plan up to a 4% ceiling, with caps of $40 per transaction and $40 per month. The same sentence in the App Store description says “up to 8% cashback”, and mentions partner purchases up to 15% — those numbers are higher than the site and the two descriptions do not match. Until the company publishes a single source of truth, the conservative reading is the one on the site: floor 0.5%, ceiling 4%, with a $40 monthly cap. 48 merchant categories earn no cashback at all; the named ones include cash withdrawals, transfers, gambling, taxes and insurance, which is fairly standard for the category.

The level system is worth knowing about. The app shows a “My Level” that is recalculated weekly, based on how much B3TR you hold and what you do in the app. Paid Greencart+ users sit at a higher level, and the marketing mentions lounge access as “coming soon”, which is a soft signal that the programme is still being built out.

If something goes wrong with a transaction, the terms do not specify a chargeback time frame. Safe-funded card transactions can be disputed and fraud reported through the platform; complaints are acknowledged within 24 hours, resolved within 15 Working Days, and given a final response no later than 35 Working Days. If a complaint cannot be resolved, it is escalated to Monavate, the card issuer. The lack of a stated chargeback window is unusual and is something to clarify before relying on the card for high-value purchases.

What can go wrong

The first risk is geography. If Greencart is not available in your country — and the eligible list is EEA plus five Latin American countries — you simply cannot get the card. Even within eligible countries, the issuer can decline you for sanctions-related reasons, and that decision is unlikely to be negotiable.

The second risk is self-custody. The card spends from a self-custodial wallet, which means you, and only you, hold the seed phrase. The public terms are unusually direct: lost credentials may mean permanent loss of funds, and there is no recovery service. Phishing, clipboard-hijacking malware that swaps wallet addresses when you copy and paste, and basic key-management mistakes are all on you. The background research on crypto cards makes the same point in a different way: with self-custody, the user bears sole responsibility for key loss, phishing and address-swap malware.

The third risk is what the terms call a non-regulated product. Greencart’s account is described as “not a regulated product or service”, and the issuer’s liability is capped at £100. The card itself is issued by Monavate Limited, an FCA-authorised e-money institution (FRN 901097) under licence from Visa Europe, which is the right regulatory profile for a card issuer; but the broader account and the rewards are not separately regulated. That means there is no safeguarding commitment for the account balance beyond what the EMI does for its own regulated e-money, and there is no deposit insurance. Funds held in the Safe are not the same as deposits in a bank, and they would not be covered by any EU deposit guarantee scheme.

The fourth risk is the small complaint footprint. A search of public review sites for “Greencart card reviews trustpilot reddit” returned no Trustpilot page and no Reddit threads of substance. There is also no Trustpilot page for greencart.ai. That can mean the card is too new for many users to have reviewed it, or it can mean the user base is small. The App Store rating of 4.86 from 44 ratings is a thin signal — 44 ratings is not a deep sample. In the App Store, the description of the card says the app passed 1 million users in March 2026 and more than $1.2 million in crypto rewards has been distributed, but those figures are not independently verified.

The fifth risk is counterparty. The card-issuing company behind the programme is Linfa Inc., a Delaware corporation at 850 New Burton Road, Suite 201, Dover, Delaware 19904, US. Delaware corporations are perfectly normal in the US, but the structure means the company you are contracting with for the rewards programme is a US company, while the card is issued by a UK EMI and the wallet is run by Gnosis entities in Portugal and elsewhere. When something goes wrong, you have to know which entity to complain to and under which law. The terms lay this out, but it is a layered structure to navigate.

The sixth risk is support. The help channels are [email protected] and [email protected] for general questions, plus [email protected] and an in-app chat bot. Greencart+ users get “priority support”. Working languages and support hours are not stated, which means you may find that the chat bot is the only option outside US or European business hours.

What to take instead

Greencart is not the only crypto card on the market, and it is not the right one for every reader. Below I compare it with three alternatives. The point is not to declare a winner — each card fits a different situation — but to give you a way to position Greencart against its peers.

GoMining Card scores 6.6 / 10, only slightly below Greencart, and it is a useful alternative if you are outside Greencart’s eligible countries — GoMining’s product pages say cards “may not be available in your jurisdiction” and the card is virtual now with a physical card “coming soon”. The cashback is paid in mining power rather than a token, and the rate rises with your VIP level up to a stated 5%. A free 1 TH miner comes with opening a card, which is unusual. Fees and the exact list of supported coins are not stated on the public pages I read.

Kinesis Virtual Card scores 4.8 / 10 and sits clearly below Greencart on cost and detail. The card is virtual only, the network is not stated officially, and the cashback is 2% in gold, with the first six months free from launch. If you specifically want a card that pays you in physical gold via the Kinesis system, this is the option. If you are looking for the best all-rounder, it is not.

Young Card scores 5.7 / 10. The cashback is paid in YNG tokens at rates that depend on your Club tier — Essential 0.1%, Gold 1.8%, Platinum 3.6% (Bronze and Silver are not stated). The card is interesting if you are already active in the Young ecosystem and want a higher cashback ceiling than Greencart’s site-level 4%, but several basics about the card itself — the network, fees, and top-up method — are not stated on the public page I read, which makes it hard to recommend without further checking.

Who I would recommend it to

Putting the sections together, I would recommend Greencart to a fairly narrow reader, and I would steer the rest of you toward an alternative.

Pick Greencart if:

• You live in an EEA country, or in Argentina, Bolivia, Brazil, Colombia or Mexico, and you are not on a sanctions list.
• You already hold crypto, or you are willing to hold B3TR specifically, and you want a low-fee way to spend it through a Visa card.
• You are comfortable managing your own seed phrase, and you understand that losing it means losing the funds in your Safe.
• You do not need Apple Pay or Google Pay on day one.
• You are happy with a 0.5% floor on cashback and do not expect to hit a $40 monthly cap easily.
• You want a card with no monthly or annual fee and no FX markup.

Skip Greencart if:

• You live outside the eligible countries.
• You want a fully regulated account with deposit-style safeguarding, where the balance behaves like a bank deposit.
• You need a card that works in Apple Pay or Google Pay out of the box.
• You want high cashback and would prefer a programme that publishes a clear ceiling above 4%.
• You need a clear, written chargeback window for high-value purchases.
• You are not willing to manage your own seed phrase and bear the full key-loss risk.

If you fall into the second list, the GoMining Card is the closest alternative on geography and on cashback model, the Kinesis Virtual Card is the option if you specifically want gold rewards, and the Young Card is the option if you are already in the YNG ecosystem and want a higher cashback ceiling.

Frequently asked questions

What is the Greencart card?

The Greencart card is a Visa debit card that spends from a self-custodial crypto wallet called the Gnosis Pay Safe, and it pays cashback in the B3TR token. The card is marketed as an eco-friendly way to spend crypto at everyday merchants. Greencart is the brand; the card is issued by Monavate Limited under a Visa Europe licence.

How does the Greencart card work?

You keep your crypto in your own Gnosis Pay Safe, and the card converts and pays at the point of sale. You can also top up the Safe with fiat from a bank account, or with crypto from another wallet. Each purchase earns B3TR cashback at a floor of 0.5% and up to a 4% ceiling on the official site, with 48 merchant categories excluded.

Is Greencart a bank?

No. Greencart is a card programme run by Linfa Inc., a Delaware corporation. The card itself is issued by Monavate Limited, a UK e-money institution authorised by the FCA. The account is described in the terms as “not a regulated product or service”, which means it is not the same as a bank account and balances are not protected by a deposit guarantee scheme.

Who owns Greencart?

Greencart is operated by Linfa Inc., 850 New Burton Road, Suite 201, Dover, Delaware 19904. The card is issued by Monavate Limited, an FCA-authorised e-money institution with FRN 901097, under licence from Visa Europe Limited. The underlying wallet infrastructure is run by Gnosis entities — Gnosis P. Tech, Unipessoal Lda for EEA residents, and Gnosis Pay Co Ltd for residents of listed non-EEA countries.

Is the Greencart card available in my country?

Greencart is available to residents of EEA countries plus Argentina, Bolivia, Brazil, Colombia and Mexico, per Gnosis Pay’s eligible-countries list. The list did not load fully on the page I checked, so it is worth confirming on the Gnosis Pay site before you apply. You must be at least 18, and you cannot be a national or resident of a sanctioned country.

How do I apply for the Greencart card?

You apply through Greencart’s app on iOS or Android. The onboarding is run by third-party compliance providers and involves standard KYC checks: identity, address, and source of funds. The level of KYC required at each stage is not stated publicly, but you should expect to provide identity documents and a proof of address at minimum.

How do I top up the Greencart card?

You top up the underlying Gnosis Pay Safe, not the card itself. You can do that from a bank account with fiat, or from a crypto wallet with crypto. The specific coins and networks accepted are not stated on Greencart’s public pages, so check the app before sending anything; sending on the wrong network can mean losing the funds permanently.

How much does the Greencart card cost?

The virtual card is free. The physical card may carry a one-off administration fee, the amount of which is not stated publicly. There are no monthly, annual, conversion, FX, withdrawal, transfer or deposit fees on Greencart’s side. The optional Greencart+ subscription costs $7.99 a month or $79.99 a year, with $4.99 for the first two months as an intro.

Can I add the Greencart card to Apple Wallet or Google Pay?

Apple Pay and Google Pay support is not stated on Greencart’s public pages. If you rely on mobile wallet payments, ask the support team to confirm tokenisation is available before applying, and test it as soon as the card arrives.

Is the Greencart card safe?

The card is issued by an FCA-authorised e-money institution, which is the right regulatory profile for a card issuer. The funds you spend from are held in a self-custodial wallet, which removes a layer of counterparty risk but puts the key-management risk on you. The account is described as “not a regulated product or service”, the issuer’s liability is capped at £100, and there is no deposit insurance. The safety picture is mixed and depends on how carefully you manage your seed phrase.

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