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按费用、KYC 要求、隐私评分与功能对比加密货币信用卡。

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2026 Crypto Cards. 保留所有权利。

本站数据仅供参考,请务必自行核实研究。

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  5. Bitget Wallet Card
Bitget Wallet Card
Bitget Wallet Card
手机验证
虚拟卡 Mastercard
8.1
综合
获取此卡
Bitget Wallet Card logo

Bitget Wallet Card

发行方 Bitget Wallet

虚拟卡•Mastercard•手机验证
获取此卡

Bitget Wallet Card 以业内最低的 1.7% 综合费率与最高 8% 的稳定币年化收益脱颖而出,是 2025 年性价比最高的加密货币卡之一。自托管钱包集成与多链支持,很对 Web3 原生用户的胃口。

优点

  • +综合费率业内最低,仅 1.7%,且无隐藏收费
  • +稳定币余额最高 8% 年化收益
  • +完成 KYC 即得 5 美元即时奖励
  • +默认自托管,私钥由你保管
  • +多链支持,含多个网络上的 BTC、ETH、USDT

缺点

  • -完整功能需完成 KYC 验证
  • -产品较新,口碑尚未完全建立
  • -各地区可用性不同(以欧洲/亚洲为主)
  • -推广期结束后返现比例可能下调
  • -部分地区仅提供虚拟卡
8.1/10
综合优秀
6.3/10
社区评分基于 38 个信息来源
Lv 2
KYC 等级手机验证

目录

卡片概览

奖励
返现
—
返现币种
—
质押奖励
✓
质押年化收益
8%
新用户奖励
$5
推荐奖励
—
费用
月费
免费
开卡费
免费
ATM 取现费
免费
外汇兑换费
免费
充值费
免费
交易拒付费
免费
限额
每日消费
不限额
每月消费
不限额
ATM 取现
不限额
卡片信息
卡片类型
虚拟卡, 实体卡
卡组织
Mastercard
Apple Pay
✓
Google Pay
✓
奖励
返现
—
返现币种
—
质押奖励
✓
质押年化收益
8%
新用户奖励
$5
推荐奖励
—
费用
月费
免费
开卡费
免费
ATM 取现费
免费
外汇兑换费
免费
充值费
免费
交易拒付费
免费
限额
每日消费
不限额
每月消费
不限额
ATM 取现
不限额
卡片信息
卡片类型
虚拟卡, 实体卡
卡组织
Mastercard
Apple Pay
✓
Google Pay
✓

KYC 要求

Level: 手机验证
邮箱验证
需要
手机验证
需要
身份证件
不需要
地址证明
不需要
自拍验证
不需要

社区评分

6.3/10
来源于
@bwebwito“Daily-use thread reporting reliable FX fee refunds within 1-2 days under the $400 quota, but warning the card is a one-way street: loaded funds cannot be returned to the wallet or a bank account.”reddit.com“German-localised view of the same r/finansial thread, covering fee refunds, prepaid withdrawal limits and local tax exposure triggered by KYC.”reddit.com“Comparison thread noting the stablecoin-native structure avoids volatility and tax complexity, but that the card cannot borrow against collateral the way competitors such as EtherFi can.”youtube.com“Product introduction video covering digital issuance, KYC onboarding and wallet integration.”youtube.com“Mastercard-powered card launch overview highlighting global acceptance and stablecoin spending.”youtube.com“2026 walkthrough review of application, top-up and everyday spending experience.”youtube.com“Campaign, KYC and top-up tutorial; comments centre on referral bonuses and regional eligibility.”youtube.com“New wallet UI tutorial including the card management dashboard.”youtube.com“Brazilian-market review covering LATAM availability and local spending.”youtube.com“Multi-card comparison placing Bitget against rival crypto cards on fees and rewards.”trustpilot.com“Bitget Wallet holds roughly 3.5/5 with about 39% one-star reviews; recurring complaints describe bot-only support, months-long account freezes and an unverified allegation of iOS screen recording.”au.trustpilot.com“Australian Trustpilot mirror echoing frozen-funds and unresponsive-support complaints.”uk.trustpilot.com“UK Trustpilot mirror with similar support-responsiveness and fund-hold grievances.”es.trustpilot.com“Spanish-language Trustpilot mirror reporting slow ticket resolution and generic replies.”trustpilot.com“Reviews for the related Bitget exchange, used to cross-check whether support failures are wallet-specific or organisation-wide.”@Amobi J. Anazodo“Bitget Wallet listing rated about 4.5 stars across roughly 371k reviews. July 2026 review praises the clean interface and fast cross-chain transfers; other reviewers welcome in-app Assetback tracking and KYC document upload added in the June-July 2026 patches.”@Sampson Nimaa“July 2026 review reporting a persistent Token does not exist login error that survived a full app update and locked the user out of card management; developer reply redirected to a webform. Other reviews cite 24-hour automated withdrawal freezes and missing NZD fiat support.”play.google.com“South African regional listing for the same app, used to check whether login and freeze complaints recur across locales.”apps.apple.com“iOS listing for Bitget Wallet, cross-referenced against Play Store sentiment and the unverified screen-recording allegation.”@SpendNode“Deep-dive breaking down the fee cliff: free to $400/month, then 1.7% FX on non-USD spend, blending to about 1.47% for a $3,000 monthly spender. Warns of counterparty risk from Immersve, DCS Card Centre and Fiat24 holding the fiat equivalents, and advises keeping only micro-balances on the card.”@SpendNode“Side-by-side comparison of the different Bitget card products and their differing fee schedules.”@CardNode“July 2026 review describing funds as remaining in the user wallet until the moment of spend, with $0 annual fee and broad Apple/Google Pay support.”@CryptoCardsPerks“July 2026 review covering multi-chain top-ups across Solana, Base and TRON and the effective zero cost inside the monthly quota.”@Kardd“May 2026 review rating the card well for light-to-moderate stablecoin spenders in EEA, UK, LATAM and APAC while flagging the modest free quota.”@Crypto Card Compare“May 2026 comparison entry documenting regional variation in issuer, limits and physical card availability.”@Cryptonoshi“Product profile summarising fees, supported networks and eligibility.”@UCard Radar“Tracker entry noting virtual-only availability in most markets and physical cards limited to select APAC regions.”@DefiMap“Review emphasising the self-custodial spending model and low effective cost within the quota window.”@UCardCrypto“Card profile cross-checking quota size, cashback terms and jurisdiction restrictions including US and Canada exclusion.”@KK Investing“Step-by-step English tutorial on application, KYC and top-up flow.”@KK Investing“Chinese-language version of the same tutorial, relevant to the mainland China onboarding restrictions.”@Hank Exploring“Hands-on write-up of setup and first real-world transactions.”@Foresight News“Reports Fiat24, the Swiss FINMA-regulated issuer, abruptly suspending new card applications from mainland China in June 2026 under CRS and DAC8 tax-residency rules, framed as part of a wider pattern of U-card closures.”@GlobeNewswire“March 2026 wire announcement of the zero-fee card expanding into Latin America.”@Paymentscan“Onchain analytics verifying more than $40.87 million in settled card volume over 19 months, evidencing genuine adoption.”@Paymentscan“Issuer profile for Immersve, a principal Mastercard member settling card transactions onchain via Base and Arbitrum.”@Paymentscan“2026 fee and cashback comparison used to benchmark the post-quota 1.7% FX rate against 0% FX competitors such as Wirex.”@Immersve“Technical documentation on supported settlement chains, corroborating the Base and Arbitrum onchain settlement architecture.”

Bitget Wallet Card 在 38 个社区信息来源中获得 6.3/10 的评分,其 Assetback 奖励(以 BTC、黄金、代币化股票或 USDC 返还 2%-3%)、被 Google Play 上约 37.1 万用户打出 4.5 星的精致多链应用,以及在 Apple Pay 与 Google Pay 之外罕见地支持支付宝与微信支付,都获得好评。在每月零手续费额度内(视地区约 200-600 美元)消费实际上是免费的,但超出后适用 1.7% 的外汇费,欧盟用户还反映存在未披露的 1% 充值费。机器人主导的客服、24 小时提现冻结,以及 Fiat24 突然暂停中国大陆申请,是最一致的投诉。托管方式在各来源之间存在争议:钱包本身是自托管的,但卡片余额会转移至地区发卡方(Immersve、DCS Card Centre、Fiat24),且用户反映充值后的资金无法转回,因此卡片这一层被记为托管型。

分项评分

KYC 便捷度
7/10
费用性价比
7/10
奖励价值
8/10
App 体验
8/10
隐私
4/10
客服质量
4/10

功能

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支持的加密货币

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