Meow Card
Meow · Visa
Meow is a US business banking and treasury platform for companies, combining business checking, Visa corporate cards issued by Cross River Bank, international payments and crypto support. The Meow Card earns 2.5% cashback on eligible AI spend. On the treasury side, the Commercial Paper Account managed by Meow Advisory LLC (an SEC-registered investment adviser) targets net annual yields of 3.77-3.96%, requiring a $100,000 minimum balance. Domestic and international wire and ACH transfers carry zero fees. Meow Technologies is not a bank: banking services are provided by partner banks Cross River Bank and Grasshopper Bank, N.A. (Members FDIC).
Data & conditions
| Account fee | Free |
|---|---|
| Network | Visa |
| ATM withdrawal | Free |
| Fund custody | Custodial (platform holds funds) |
| KYC | Full |
| Supported countries | US · 1+ countries |
| Regulator | SEC, FDIC (via banche partner) |
| OAM Italy registration | No |
| Segment | B2B |
| Funding / solidity | Meow Technologies, Inc. is a US fintech offering business banking and treasury services for companies. It provides business accounts, Visa corporate cards, international payments in 50+ currencies and crypto rails (USDC/USDT). |
| MiCA / License status | FDIC (banche partner: Cross River Bank, Grasshopper Bank, N.A.)SEC-registered investment adviser (Meow Advisory LLC) Meow Technologies is not a bank; banking services are provided by partner banks Cross River Bank and Grasshopper Bank, N.A. (Members FDIC). Meow Advisory LLC is an SEC-registered investment adviser. |
Strengths
- 2.5% cashback on eligible AI spend, rare among corporate cards
- Treasury yield of 3.77-3.96% annually via the Commercial Paper Account
- Zero-fee domestic and international wire and ACH transfers
- No notable sovereignty advantage documented.
Weaknesses
- US businesses only, no consumer accounts and no IBAN/SEPA
- Treasury yield requires a $100,000 minimum balance
- FX fee up to 3% on non-USD transactions
- Custodial: the platform holds your funds and can freeze or lose them.
- Full KYC required: verified identity, zero pseudonymity.
- Subject to regulation (Meow Technologies is not a bank; banking services are provided by partner banks Cross River Bank and Grasshopper Bank, N.A. (Members FDIC). Meow Advisory LLC is an SEC-registered investment adviser.): reporting to authorities and freezes on order.
Verdict
US corporate card issued by Cross River Bank (Member FDIC); deposits carry FDIC insurance via the partner banks, but Meow Technologies is not a bank and the product is reserved for US businesses.
Fully custodial solution with full KYC, anchored in the US banking system: low individual sovereignty, no direct user control over funds.
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
"Sovereignty" rating: score computed on privacy/anonymity (30%), fund control (20%), censorship resistance (20%), trustless/auditability (20%) and costs (10%). Same data, different weights.
FAQ
How much cashback does the Meow Card offer?
The Meow Card, a Visa issued by Cross River Bank, offers 2.5% cashback on eligible AI spend.
Is Meow a bank?
No. Meow Technologies, Inc. is a fintech company; banking services are provided by partner banks Cross River Bank and Grasshopper Bank, N.A., both Members FDIC.
Sources
- Official service page Payment network · Cashback · Treasury yield · FDIC · +9 Data verified on Jun 23, 2026
- adviserinfo.sec.gov Regulator · Regulatory framework · Azienda info (Meow Advisory LLC SEC-registered investment adviser) Data verified on Jun 23, 2026
- northone.com Business banking positioning · Target customers Data verified on Jun 22, 2026
- todey.xyz 2.5% AI cashback · FX up to 3% · Visa via Cross River Bank · Business-only Data verified on Jun 22, 2026