Suits people outside the US who want a quick virtual card for spending USDT and don’t need rewards. If you spend often or in small amounts, the per-top-up and per-purchase fees add up, and you should skip it.
Score breakdown
How we read the terms: $29 issuance and no monthly fee. FX is scored at 2.5%, the top of Jam’s published 1.5–2.5% range. No cashback is advertised, so rewards aren’t scored.
Not rated yet: verified criteria cover 40% of the weight, and we need 70% to give an overall score. How scores are calculated.
Pros
- No monthly or annual fee
- Apple Pay and Google Pay supported
- Top up with USDT on several networks, including TRC20 and Arbitrum
- Non-custodial wallet, with gasless USDT transfers on TRC20 (no TRX needed)
Cons
- $29 issuance fee and a $44 minimum first deposit
- 3% plus 0.5% on every top-up, and $0.50 per purchase authorization
- Virtual only, so no ATM withdrawals for now
- No cashback, and the card issuer and network aren’t named
Overview
Jam is a wallet app run by JAM Platform LLC in Delaware. It pairs a non-custodial multi-chain wallet with a virtual card that you top up with USDT and spend in USD. Jam says it doesn’t issue the card itself; a partner bank it doesn’t name does, in Hong Kong dollars.
Fees are per use: 3% plus 0.5% on top-ups, $0.50 per authorization, and 1.5–2.5% FX. There’s no monthly fee. Jam says a physical card is planned for the third quarter of 2026, and the card can’t be used in a list of restricted countries.
We haven’t run a hands-on test of this card; this review is based on the issuer’s published documents linked on this page.
Fees and limits
- Card issuance (Global)
- $29 (part of a $44 minimum first deposit, of which $15 is spendable) + processing feesource
- Monthly fee (Global)
- $0source
- FX fee (Global)
- 1.5–2.5%source
- Top-up (Global)
- 3% + 0.5% processing fee (USDT only; minimum $15)source
- Free ATM per month (Global)
- None (ATM withdrawals not possible with the virtual card)source
Fees are quoted from the issuer’s documents for the region shown. Each “source” link opens the issuer’s page; the wording is quoted in the availability table and in the link’s tooltip.
Is it worth it? Quick math
We can’t do the maths yet: the entry-tier cashback or one of the fees is not verified.
Cashback paid in a volatile token can be worth more or less when you sell it. FX and top-up fees are not included here.
Availability
| Region | Status | What the issuer says |
|---|---|---|
| US | Not available | “the Services are strictly not intended for use by United States Persons.”source Jam’s terms say the service isn’t for US persons. |
| UK | Not verified | The issuer’s documents don’t say The UK isn’t on Jam’s restricted list, but Jam doesn’t publish a list of supported countries. |
| EEA | Not verified | The issuer’s documents don’t say No EEA country is on Jam’s restricted list, but Jam doesn’t publish a list of supported countries. |
By country
Other regions listed by the issuer: Worldwide except restricted countries, Excluded: Afghanistan, Belarus, Central African Republic, China, Cuba, DR Congo, Iran, Iraq, Lebanon, Libya, Mali, Myanmar, Nicaragua, North Korea, Russia, Somalia, South Sudan, Sudan, Syria, Ukraine, Venezuela, Yemen, Zimbabwe, Dominican Republic, Not for US personssource. Not legal advice; an issuer can refuse any applicant.
How to get the card
- 1Install the appDownload Jam from the App Store or Google Play and sign up with your email and phone number.
- 2Order the cardTap “Order Card”, complete KYC and choose a USDT network.
- 3Pay the first depositDeposit at least $44: $29 covers issuance and $15 becomes your balance.
- 4Add to your phoneAdd the virtual card to Apple Pay or Google Wallet and top up with USDT as needed.
Jam Card: common questions
How much does the Jam Card cost?
Issuance is $29, taken from a $44 minimum first deposit. There’s no monthly fee, but top-ups cost 3% plus 0.5%, and each purchase authorization costs $0.50.
Can I use the Jam Card in the US?
No. Jam’s terms say the service isn’t intended for US persons, and the card also can’t be used in a list of restricted countries.
Alternatives and comparisons
Information only, not financial advice. Crypto assets are volatile. Terms change often — confirm on the issuer’s site before applying.