The Peanut Card gives eligible users a virtual Visa card funded from their Peanut balance. Merchants receive a normal card payment in the currency they charge; they do not receive stablecoins.
The card is accepted wherever Visa is accepted. Every cardholder must be at least 18 and complete identity verification, and access remains subject to eligibility.
What the card does
The Peanut Card is virtual. You can use its card details for online and in-app purchases at merchants that accept Visa. You can also add it to Apple Pay or Google Pay for contactless purchases where those services are available in your region.
The card is funded with USDC on Arbitrum from your Peanut balance. Only up to your card limit sits in its collateral contract. The rest remains in your passkey-controlled smart wallet. This collateral lets card authorizations complete without waiting for an on-chain transfer at checkout.
When a purchase uses a different currency, Visa handles the conversion before the transaction reaches your Peanut Card balance. The merchant sees a card purchase, and your activity appears in Peanut.
Current card fees
There is no issuance fee and no monthly or annual fee. Same-currency purchases have no added transaction fee.
For a cross-currency purchase, Visa applies its network exchange rate plus a 1% International Service Assessment. That assessment is a Visa network fee passed through on the transaction; Peanut does not add another fee on top. Applicable limits and the cardholder terms still apply.
Review the amount and currency before confirming a purchase.
The Peanut Card is separate from Peanut Rewards, and card purchases do not carry a promised reward or cashback rate.
Get the Peanut Card
- 1
Sign in and verify
Open Profile → Card in Peanut, or go to peanut.me/shhhhh, and complete identity verification.
- 2
Accept the cardholder terms
Review and accept the cardholder terms, then apply. Applications are subject to approval.
- 3
Add funds and start spending
Once approved, add funds to your Peanut balance and start spending with the card.
Why we went slow
We could have opened the gates to everyone on day one. We didn't.
The card spent its first months open to a small invited group, released in small batches, for a reason: a card has to just work. A coffee shop at 8am with a line behind you is not the place to find out your edge case wasn't tested. Releasing slowly let us find the awkward merchant behaviors — long-lived pre-authorizations, captures that differ from the amount shown, extra holds — while the group was small.
We'd rather have under-promised and over-delivered to a small group than blast the whole internet on day one.
Paying online and in person
For an online or in-app purchase, use the virtual card details shown in Peanut. Some merchants ask for 3-D Secure confirmation. When that happens, follow the confirmation prompt shown for that purchase.
For an in-person contactless purchase, add the card to Apple Pay or Google Pay if that wallet service is available in your region. Wallet availability is separate from the card itself, so a cardholder may still need to use the virtual card details online when a mobile wallet is unavailable.
FAQ
What is the Peanut Card?
It is a virtual Visa card funded from your Peanut balance. You can use it wherever Visa is accepted.
Where can I use it?
Use it for online and in-app purchases at merchants that accept Visa. Contactless purchases work through Apple Pay or Google Pay where those services are available in your region.
Do I need identity verification?
Yes. Every cardholder must be at least 18 and complete identity verification. Access is also subject to eligibility.
How do I get the card?
Once you're verified in the app, you can get your Peanut Card at peanut.me/shhhhh. Applications are subject to approval.
What fees apply?
There is no issuance fee and no monthly or annual fee. Same-currency purchases have no added transaction fee. Cross-currency purchases use Visa's exchange rate plus a 1% Visa International Service Assessment. Applicable limits and cardholder terms still apply.
Is this a rewards card?
No. The Peanut Card and Peanut Rewards are separate programs, and the card is not marketed as a cashback or rewards card.
The Peanut Card offers a direct way to use part of your Peanut balance through the Visa network while keeping the rest in your passkey-controlled wallet.
Verify in the app and apply. Applications are subject to approval.