Amp Pay Card Review 2026: Up to 4% Cash Back + 12% APY Savings

Name: Amp Pay Crypto Card
Brand: Amp Pay
Price: $0 USD
Rating: 4.0 (100 reviews)

Key Specifications

Network

Visa

Overview

Amp Pay is a crypto-native neobank offering a Visa debit card (the "Black Card") with up to 4% cash back on purchases and savings accounts yielding up to 12% APY through DeFi yield strategies.

The platform requires no credit check for approval and charges no monthly fees, no account minimums, and no withdrawal limits. It combines traditional banking convenience with crypto-powered yield generation — your savings earn DeFi rates while you spend with a standard Visa card anywhere in the world.

Amp Pay is available on both iOS and Android. The 4% cash back rate requires referring at least one new user who gets a Black Card during promotion periods. The 12% APY is the maximum 30-day average reported by DeFi Carrot and varies with market conditions. Best for users who want high-yield savings and cashback without the complexity of managing DeFi positions directly.

Pros & Cons

✓ Pros

• Up to 4% cash back on purchases
• Savings rates up to 12% APY
• No credit check required
• No monthly fees or account minimums
• Visa accepted worldwide

✗ Cons

• 4% rate requires referral during promotions
• APY varies with DeFi market conditions
• Relatively new platform
• Cashback terms may change

Features

✓ Up to 4% cash back

✓ Up to 12% APY savings

✓ No credit check

✓ Black Card tier

✓ Free P2P payments

✓ Crypto spending

Key Benefits

★ High savings rates up to 12% APY

★ Free global P2P payments

★ No account minimums or monthly fees

★ Multiple card tiers

Frequently Asked Questions

How does Amp Pay offer 12% APY?

Amp Pay routes savings through DeFi yield strategies. The 12% is the maximum 30-day average APY reported by DeFi Carrot. Rates fluctuate with market conditions and are not guaranteed.

Is there a credit check for Amp Pay?

No. Amp Pay approves users instantly with no credit check required. It's a debit card, not a credit card.

How do I get 4% cash back?

The 4% rate is available during promotion periods when you refer at least one new user who gets an Amp Black Card. Base rates may be lower — check the app for current terms.