Sequin Card Sequin Rewards Visa Debit
A plan bySequin Card · Visa
Sequin is a debit card that builds credit with no debt risk and no APR, aimed at an underserved audience (women in particular). It has a $12/month membership (waivable) or $13/month for the highest APY, with 6% cashback on eligible categories provided you spend at least $500/month. It remains a niche market with availability limited to the United States.
Sequin Rewards Visa Debit
- Price
- €12
- Issuance fee
- Free
- FX markup
- 0%
- Cashback
- 6%
- Cashback currency
- USD (cashback in dollari)
- Cashback cap
- €900
- Required staking
- Nessuno
- ATM fee
- 0%
- ATM limit
- Not disclosed
- Net annual cost
- Free
What's included
- $12/month membership (waivable) or $13/month for the highest APY
- 6% cashback on eligible categories (requires ≥$500/month spend)
- High-yield checking (APY ~1.01%)
The clause
That 6% on the banner isn't what you pocket.
After FX markup, fees and withdrawals, on an average profile of €1,000/mo (20% abroad).
Data & conditions
| Network | Visa |
|---|---|
| Card type | Credit card |
| APR | 0% |
| Issuance fee | Free |
| Annual fee | €144/year |
| Free ATM limit | Not disclosed |
| ATM withdrawal | Free |
| FX markup | 0% |
| Cashback | 6% in USD (cashback in dollari) · Nessuno |
| Contactless | Yes |
| Virtual card | Yes |
| KYC | Light |
| Privacy | 5/10 |
| Supported countries | US · 1+ countries |
| Estimated net annual cost | €0/year |
| Regulator | Not disclosed |
| Segment | B2C |
| MiCA / License status | Partner bank charter |
Strengths
- Debit card che costruisce credit; zero risk debit; target underserved; no APR.
- Light KYC: minimal identity verification.
Weaknesses
- Early stage; pricing not public; USA only.
- Traditional credit card: not self-custody — the account requires full KYC, a credit check, and can be closed or reported to credit bureaus by the issuer.
Verdict
At tier B because it is a debit card that builds credit with no debt risk and no APR, with light KYC and up to 6% cashback, an appealing cost-risk profile. Holding the score back are the paid membership ($12/month, waivable), the $500/month spend requirement for cashback, the niche market and US-only availability.
On this lens it stays limited: despite lighter-than-average KYC, it is a custodial Visa with no self-custody, on-chain settlement or censorship resistance, and it operates only in the US. The light KYC is the one trait vaguely aligned with the lens, but not enough to move a verdict that remains low.
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.
Reputation
What happened to people who used Sequin Card, and what users say. External signals: they do not feed the promp.it rating.
Incidents & regulatory actions
No known incidentSearch across public sources: no known hack, withdrawal freeze or regulatory action as of the verification date.
verified on
FAQ
Is Sequin Card a safe card?
Sequin Card is a custodial card on the Visa network. As a payment card, loaded funds are e-money and are not covered by a bank deposit-guarantee scheme. Fund custody is custodial.
How much does Sequin Card cost?
The annual fee is not documented. Issuance is free. The FX markup is 0% (no surcharge). See the tier table for full conditions.
Does Sequin Card offer cashback?
Sequin Card does not offer crypto cashback.
Is Sequin Card available in Italy?
No, Sequin Card is not currently available in Italy.
Is Sequin Card custodial or self-custody?
Sequin Card uses a custodial model. Funds are held by the issuer: you do not have direct control of the private keys.
Sources
- Official service page Plans & pricing · Regulatory framework · Annual cost · Variante credit builder.collaterale crypto · +2 Data verified on Jun 14, 2026
- finder.com Past incidents · Variante credit builder.credit limit eur min · Variante credit builder.credit limit eur max · Cashback · +2 Data verified on Jul 11, 2026
- crunchbase.com Legal name · Stock ticker · Stock listing · IPO date · +2 Data verified on Jun 14, 2026
- ycombinator.com Founders · Company type Data verified on Jun 14, 2026
Show 1 more source
- fintechmagazine.com Variante credit builder.credit bureaus report Data verified on Jun 13, 2026