Blockcard Review, The Ultimate Crypto Debit Card

Blockcard Review 2023, The Ultimate Crypto Debit Card

Blockcard is a debit card that allows cryptocurrency holders to use their tokens for daily transactions. The card is linked to the Ternio application account which can be used anywhere in the world if VISA is accepted.

Blockcard was created to offer a bridge between the cryptocurrency world and the financial world. The objective behind Blockcard is to make it easy for people to use their digital assets, be it for making online purchases, dining out, shopping, and much more. In this article, we would discuss Blockcard review in detail and know if it is worth it for you to have it.

How Does Blockcard Works?

Blockcard is the debit card that is linked to your Ternio account of yours. To get this debit card, a user needs to sign up for the Ternio account and complete the verification process.

How Does Blockcard Works?

Once the account is opened, users can deposit their cryptocurrencies to the Ternio account. And then it can be used to make purchases wherever VISA is accepted. Moreover, this card also allows users to withdraw cash from anywhere around the corner whenever they need it.

The card is quite easy to use and very straightforward. There is a chip and magnetic stripe to this card, so it can be used like any other debit card. As it is also linked to the Ternio account, you can also track the spending of your account and manage it from either a computer or even a smartphone. Furthermore, this card also comes with a mobile application that allows you to manage the account, and view deposits, funds, and transactions. 


unbanked debit card
Crypto Debit card
  • Up to 6.38% cash back rewards
  • 13 crypto coins supported including BTC, BAT and ETH
  • Has various reward programs including referral rewards

Some Of The Key Features Of Blockcard.

  • Customer Service: Blockcard has a complete support team available 24*7 to help you with any concerns or issues.
  • Availability: Blockcard is currently only available in the USA. If you are located outside the USA then it might be not a good choice for you.
  • Cryptocurrency Support: Blockcard supports several cryptocurrencies including Ethereum and bitcoin along with many others. It is one of the good options for people who hold a diversified crypto portfolio.
  • Reward programs: Blockcard has a reward program that allows users to earn rewards as TERN tokens. TERN tokens can be redeemed on any of the future purchases making it quite an attractive feature for users who are looking to use the card on daily basis.
  • Security: Blockcard uses advanced security measures to protect your personal information and funds. The card has chip technology integrated, which provides an extra layer of security while making any purchases. Furthermore, Ternio Account is protected using multifactor authentication, which makes unauthorized access quite difficult.

Steps To Get A Blockcard

Getting a Blockcard is quite straightforward. The following are the steps you need to follow.

Step 1: Signup for the Ternio account as the Blockcard is linked to it. You can do it by visiting their website.

Step 2: Provide all your identity documents along with personal information to get your identity verified.

Step 3: Transfer the funds to your Ternio account. You can simply transfer it from any cryptocurrency wallet.

Step 4: Order the Blockcard after the Ternio account is funded. It can be done through Ternio mobile application or the website. 

Step 5: Activate the Blockcard after receiving it on the mobile application.

You are ready to use the Blockcard from anywhere. Overall it is quite a straightforward process for you to use cryptocurrency for day-to-day transactions. 

Fees And Limits

Blockcard charges a monthly fee of 5 USD, this seems to be quite reasonable for the debit card as for traditional debit card, the fee is nearly 2.5 USD, and 3.5 USD for international debit cards.

Fees And Limits

Although you might find the fee on the quite higher side it is still competitive with other crypto debit cards available in the market. Also, there is a minimum deposit requirement of USD 10 which is considered to be quite less than several other crypto cards.

Talking about the spending limits, there is a maximum daily spending limit on Blockcard of around 10000 USD which is much higher than other crypto debit cards. This makes the Blockcard an attractive option for people who are looking forward to making cryptocurrency purchases.

Pros And Cons Of Blockcard

Blockcard has different benefits. Some of the benefits are ease to use, low deposit requirement, and high daily spending.


  • It allows users to use cryptocurrencies for any daily transactions which most of the crypto debit cards do not offer as they only allow them to make an online purchase.
  • There is also a mobile application available, making it easy for users to manage their accounts, track spending and do much more.


  • A lot of users have reported issues related to accounting verification and customer services which is quite frustrating for them. 
  • It also charges quite higher fees than other crypto debit cards, which might not be ideal for everyone to use as most people look to save money.

Wrapping Up

Blockcard is the best option for people who are looking forward to using their cryptocurrencies for daily transactions.

The card is quite easy to use, offers a high daily spending limit, and also has a mobile application which makes it quite easier for the users to use. While the card also has some drawbacks like unsatisfied customer services and higher fees, despite these issues it is still worth considering the option of those who are looking to use their digital assets to make everyday purchases. If you are looking for a way to spend your cryptocurrencies in the real world, Blockcard is the best choice.

Frequently Asked Questions

What is a Blockcard?

Blockcard is the debit card linked to your Ternio account that allows users to make cryptocurrency transactions.

Is Blockcard Safe?

Yes, Blockcard uses the same technology as most physical cards. There is multifactor authentication enabled for your Ternio account so no one can get unauthorized access.

How much does a Blockcard cost?

Blockcard has a monthly account fee of USD 5 and 1 USD fee per atm transaction. There are some additional fees for certain transactions. 

Does Blockcard have a rewards program?

Yes, Blockcard has a reward program that allows users to earn rewards in the form of TERN tokens that can be redeemed for discounts on future purchases.

Can I withdraw Cash from the ATM using Blockcard?

Yes, you can withdraw cash from ATMs with a Blockcard, however, there is a fee of a dollar per transaction.

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