Most crypto cards stop at cashback. The MEXC Card adds a second layer: USDT you subscribe to the MEXC Card exclusive Earn product earns interest at a 7% APR, with no lock-up and the option to redeemMost crypto cards stop at cashback. The MEXC Card adds a second layer: USDT you subscribe to the MEXC Card exclusive Earn product earns interest at a 7% APR, with no lock-up and the option to redeem
Earn 7% APR With the MEXC Card: Crypto Card Benefits, Cashback & More
Most crypto cards stop at cashback.
The MEXC Card adds a second layer: USDT you subscribe to the MEXC Card exclusive Earn product earns interest at a 7% APR, with no lock-up and the option to redeem at any time.
The MEXC Global Card is MEXC's second Visa card, launches on August 31, 2026.
It sits alongside the original MEXC Card, which remains available in selected Asia-Pacific markets, and the MEXC × ether.fi co-branded card.
The 7% APR applies to both MEXC cards, and it works the same way on each.
Below, we break down how the 7% APR works, what limits apply, how it stacks with cashback, and how it compares with bank interest rates and other crypto card programs.
Key Takeaways
- USDT subscribed to the MEXC Card exclusive Earn product earns 7% APR, calculated hourly and paid the next day.
- Subscriptions run from 100 to 100,000 USDT per user.
- Subscription is manual; unsubscribed USDT earns nothing.
- Redeeming reduces your principal; spending does not.
- Cashback and APR are calculated independently and stack.
- The 7% APR applies to both MEXC cards.
What Is the MEXC Card 7% APR?
The MEXC Card is a Visa card that lets you spend crypto, mainly USDT, anywhere Visa is accepted.
Beyond spending and cashback, MEXC adds an interest layer: the MEXC Card exclusive flexible wealth product, which pays a 7% annual percentage rate (APR) on the USDT you subscribe to it.
The key word is subscribe.
Interest is not paid on your card balance just for sitting there, and not on your MEXC exchange balance either.
It is paid only on USDT you have moved into the wealth product, and you do that yourself, manually, by subscribing on the MEXC Earn page.
The product sits in MEXC Earn, not in the card itself: your card spends from the balance you top up, while the Earn product holds the USDT you have subscribed.
Once subscribed, interest accrues hourly with no lock-up, and you can redeem the USDT whenever you want it back.
This is one of the defining crypto card benefits that separates the MEXC Card from a market where most cards offer cashback and nothing more.
How the 7% APR Works
The parameters below are the ones MEXC publishes in the MEXC Card (APAC) Rewards FAQ, and the Global Card offers the same 7% APR program.
Eligible Asset
Only USDT can be subscribed to the wealth product, so only USDT earns the 7% APR.
Other crypto assets on the card do not earn interest under this program.
Keeping it to one asset keeps the math simple: one rate, one currency.
Minimum Subscription Amount
The minimum subscription is 100 USDT per user.
Amounts below that cannot be subscribed, so they do not earn any APR.
A 100 USDT floor is a low bar by most standards, and it keeps the product open to most cardholders rather than only large holders.
Maximum Subscription Amount
The maximum subscription is 100,000 USDT per user.
USDT beyond that cap cannot be subscribed and earns nothing under this program.
At the cap, the 7% APR works out to 7,000 USDT a year (100,000 × 7%), which is the most any single user can earn from it in a year.
How MEXC Card Interest Is Calculated
Interest is calculated hourly on your subscribed USDT, at the 7% APR.
There is no monthly snapshot to wait for: each hour's interest is worked out on whatever you have subscribed at that point.
The subscribed amount, not your card balance, is the base for every one of those hourly calculations.
When Is Interest Paid Out?
Interest calculated today is paid out the following day.
That gives you a daily, visible record of what the subscription is earning, rather than a lump sum at the end of a term.
Where Does the Yield Come From?
The 7% is a rate MEXC sets for the MEXC Card exclusive flexible wealth product, not a rate the market sets.
It is fixed for the event period and may be adjusted afterward, with notice given through MEXC's official announcements.
Interest is paid in USDT, the same asset you subscribed, so there is no second token to hold and no token price to watch.
For cardholders, that is the whole picture: subscribe USDT, earn 7% APR on it, redeem when you want it back.
Does Spending Affect My APR Earnings?
No.
Spending comes out of your card balance, and your card balance is not what earns interest.
The USDT you subscribed to the MEXC Card exclusive flexible wealth product stays in the product until you redeem it, so a purchase does not change the principal your interest is calculated on.
What does reduce your principal is redeeming.
If you subscribe 5,000 USDT and later redeem 1,000 USDT, the remaining 4,000 USDT keeps earning from that point on.
So there is no reason to hold off on using the card: spend from your balance as usual, and the subscription keeps earning until you decide to redeem.
How Cashback and APR Are Calculated Separately
Cashback and APR run on two separate tracks.
Cashback is a percentage of what you spend in a calendar month, set by your VVIP tier.
It is credited only after a transaction settles, and some merchant categories are not eligible for cashback.
APR is calculated hourly on what you have subscribed.
Neither touches the other: earning cashback does not lower your APR, and subscribing a large amount does not lower your cashback rate.
Both stack, which is what makes the MEXC Card a crypto cash back card with an interest layer built in.
How the MEXC Card's 7% APR Compares to Other Crypto Card Benefits
vs Bank Interest Rates
Bank interest rates move with the local policy rate and each bank's own funding needs, so the figure on an account can change several times a year.
Higher bank rates usually come with strings attached: a minimum amount, a fixed term, or limits on how often you can take money out.
The MEXC Card's 7% APR has a 100 USDT entry point, no lock-up, and a rate that is fixed for the event period rather than moving with the market.
One thing should be plain, though: this is a crypto product, not a bank deposit, and it runs under MEXC's product terms rather than banking rules.
vs Other Crypto Card APR Programs
Most crypto cards reward spending and stop there.
Where a crypto card yield program exists, it is usually tied to something else: a VIP tier, holding the platform's own token, or locking funds for a set term.
The MEXC Card pairs the card with a flat 7% APR on subscribed USDT, open from 100 USDT, with no tier requirement and no token to hold.
A 7% rate on a stablecoin, calculated hourly and paid the next day, is still rare among crypto cards.
Combining the 7% APR With Cashback: Two Worked Examples
Example: 3,000 USDT Subscription
A cardholder who subscribes 3,000 USDT to the wealth product and spends 2,000 USDT a month from their card balance earns:
- APR income: 3,000 × 7% ÷ 12 ≈ 17.50 USDT a month
- Cashback: your tier rate applied to the 2,000 USDT of monthly spending
- Total: interest on the subscription plus cashback on the spending, every month
Example: 100,000 USDT Subscription (the Cap)
A cardholder who subscribes the maximum 100,000 USDT earns:
- APR income: 100,000 × 7% = 7,000 USDT a year (≈583.33 USDT a month)
- Cashback: earned on top, from whatever they spend
- Combined picture: the subscription earns interest around the clock while every purchase still earns cashback
At the cap, the APR alone comes to 7,000 USDT a year before any cashback is counted.
Can the 7% APR Change?
Yes, it can.
The 7% APR is fixed for the event period, and MEXC may adjust or discontinue it afterward, subject to official announcements.
Check the MEXC Card page and MEXC's announcements for the rate in force before you subscribe, and again if you are deciding whether to keep a subscription open.
FAQ
Q: Does the 7% APR apply to both MEXC cards?
Yes: the MEXC Global Card and the MEXC Card (APAC) both give access to the MEXC Card exclusive flexible wealth product at the same 7% APR, while the co-branded MEXC × ether.fi Credit Card is issued through ether.fi and follows ether.fi's own terms.
Q: Does the 7% APR apply to my MEXC exchange account balance?
No: it applies only to USDT you have subscribed to the wealth product, and neither your exchange account balance nor your card balance earns it on its own.
Q: Can I earn both cashback and the 7% APR at the same time?
Yes: cashback is calculated on your spending and APR on your subscribed USDT, and neither reduces the other.
Q: Is there a lock-up period on the funds earning APR?
No: the wealth product is flexible, with no fixed term and no minimum holding period.
Q: Can I redeem my subscribed USDT at any time?
Yes: you can redeem at any time, and the redeemed USDT is available to use right away.
Q: What happens to interest I've already earned if I spend down my balance?
Nothing changes: spending uses your card balance rather than your subscribed USDT, so interest keeps accruing on the full amount you subscribed.
Q: If I hold 150,000 USDT on my card, do I earn APR on all of it?
No: subscriptions are capped at 100,000 USDT per user, so at most 100,000 USDT can earn the 7% APR and the rest earns nothing under this program.
Q: What's the maximum amount of interest I could earn per year from the APR program?
With the maximum 100,000 USDT subscribed, you can earn up to 7,000 USDT a year from APR alone.
Q: Is the 7% APR limited to an event period?
Yes: the rate is fixed for the event period and may be adjusted afterward, with any change announced through MEXC's official channels.
Conclusion
The MEXC Card's 7% APR is one of the simplest yield features on any crypto card today, and it works the same way on both MEXC cards.
Subscribe USDT to the MEXC Card exclusive flexible wealth product, and it earns interest hourly, paid the next day, on top of whatever cashback your spending brings in.
Nothing happens until you subscribe, though: USDT left on the card earns cashback when you spend it, not interest.
Ready to put your USDT to work?
Apply for the MEXC Card, then subscribe to the wealth product to start earning 7% APR.
Market Opportunity
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This article is provided by MEXC for informational purposes only and does not constitute financial or investment advice. Cryptocurrency markets involve significant risk. Please conduct independent research or consult a qualified professional before making any investment decisions. The views expressed do not necessarily represent those of MEXC or its affiliates.
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