Getting cashback on everyday purchases is one of the most practical perks a crypto card can offer — but not all cashback programs are built the same. The two MEXC-issued cards take a tiered approach:Getting cashback on everyday purchases is one of the most practical perks a crypto card can offer — but not all cashback programs are built the same. The two MEXC-issued cards take a tiered approach:
MEXC Card Cashback: 4% to 10% Back in USDT — Here's How It Works
Getting cashback on everyday purchases is one of the most practical perks a crypto card can offer — but not all cashback programs are built the same.
The two MEXC-issued cards take a tiered approach: the more active you are on the platform, the higher your rate, and the lowest tier pays 4%.
The MEXC Global Card is MEXC's second own-brand Visa card, alongside the MEXC Card (APAC).
It sits alongside the MEXC Card (APAC), which remains available in selected Asia-Pacific markets, and the MEXC × ether.fi co-branded card.
The cashback program is the same on both MEXC-issued cards, and if you hold both, the monthly cap is shared.
This guide breaks down exactly how MEXC Card cashback works, what you need to qualify for each tier, which purchases don't count, and how it stacks up against competing crypto cards.
Key Takeaways
- MEXC Card cashback pays 4%, 6%, or 10% in USDT by M-Score tier.
- Your rate follows your VVIP level on the month's last day.
- Monthly caps: 100, 300, 800 USDT, shared across both cards.
- Payout reaches your Spot account by the 15th.
- Only settled purchases count; refunds and excluded MCCs pay nothing.
- The 7% APR Earn product is calculated separately.
How MEXC Card Cashback Works: 4% to 10%, Paid in USDT
The MEXC Global Card and the MEXC Card (APAC) are Visa cards that let you spend USDT from a balance you fund inside your MEXC account, at merchants that accept Visa.
Every eligible purchase earns cashback paid in USDT — a liquid asset you can use immediately, with no points to convert and no token price to watch.
Cashback is calculated per calendar month on purchases that have settled, and credited to your Spot account by the 15th of the following month.
Refunded, reversed, or disputed transactions drop out of the monthly total, and any cashback already paid on them is deducted.
There are three tiers — Standard, Premier, and Elite — each tied to an M-Score band under MEXC VVIP, with its own rate and monthly cap.
The program is identical on both cards, so a holder of both earns under one tier and one shared cap.
The Three Cashback Tiers Explained
Standard Tier ― 4% Cashback
The Standard tier is the starting point and covers M-Score 350–599.
New MEXC accounts receive a starting M-Score of 350 one day after sign-up, which is the bottom of the Standard band.
- Rate: 4% cashback on all eligible purchases
- Monthly cap: 100 USDT
- Spending threshold: None — cashback accrues from your first settled purchase
This tier suits casual users or those just getting started with crypto card spending.
At 4%, even small daily purchases — coffee, subscriptions, commuting — add up meaningfully over a month.
Premier Tier ― 6% Cashback
The Premier tier is for users who have reached MEXC VVIP level M-Score 600–799.
- Rate: 6% cashback
- Monthly cap: 300 USDT
- Requirements: MEXC VVIP level M-Score 600–799
At 6% with a 300 USDT cap, a user spending 5,000 USDT monthly would earn the full cap — making this tier highly efficient for frequent spenders who have already reached the Premier M-Score threshold.
Elite Tier — 10% Cashback
The Elite tier is the highest rate in the MEXC Card program.
- Rate: 10% cashback
- Monthly cap: 800 USDT
- Requirements: MEXC VVIP level M-Score 800+
At 10%, the 800 USDT cap is reached on 8,000 USDT of eligible spending in a calendar month.
How to Qualify for Each Tier
M-Score (VVIP Level) Requirement
Every tier, including Standard, maps to an M-Score band under MEXC VVIP.
Tier | M-Score band |
Standard | 350–599 |
Premier | 600–799 |
Elite | 800+ |
M-Score is built from your trading volume, activity level, and security credit, updates on a T+1 basis, and starts at 350 for every new account one day after sign-up.
Your tier for a month is whichever band your score sits in on the last day of that calendar month, and that band's rate and cap apply to the whole month's total.
You can check your current score and level on the MEXC VVIP page.
Monthly Spending Requirement
There is no minimum monthly spend at any tier.
Standard has no spending floor at all, and Premier and Elite are unlocked by M-Score, not by how much you put on the card.
Once you are in a band, its rate applies to all eligible spending that month, up to the band's cap.
Note: Your tier for any given month is your actual VVIP level on the last day of that calendar month.
An Elite Experience Card — the 7-day trial that Elite users can share with friends — does not count; cashback follows your real M-Score band only.
Monthly Cashback Caps Per Tier
Tier | Cashback Rate | Monthly Cap |
Standard | 4% | 100 USDT |
Premier | 6% | 300 USDT |
Elite | 10% | 800 USDT |
These caps apply per calendar month.
Once you hit your tier's cap, additional purchases during that month do not earn further cashback — making it useful to track your spending pace, especially at the Premier and Elite levels.
If you hold both the MEXC Global Card and the MEXC Card (APAC), spending on both counts toward one cap at your tier — the caps do not double.
Why Cashback Is Paid in USDT — Not Points or Platform Tokens
A key differentiator of MEXC Card cashback is that it is denominated in USDT, a major USD-pegged stablecoin.
This matters for a few practical reasons.
First, there's no conversion needed.
When cashback lands in your Spot account, it's already in a liquid, spendable form — you can move it to your card, hold it, or trade it immediately.
Second, your rewards are not tied to the price of a platform token.
Programs that pay rewards in a proprietary token mean your earnings move with that token's market price.
Tether states that USD₮ is pegged 1-to-1 with the US dollar, so cashback is denominated in a dollar-referenced unit rather than a token whose price you have to watch.
Third, it's transparent and easy to calculate.
You always know exactly what your 4%, 6%, or 10% will be worth before you spend.
When Is Cashback Paid Out?
Cashback earned during a calendar month is credited to your Spot account by the 15th of the following month.
Cashback for April, for example, arrives by May 15.
The monthly total is built from purchases that have settled, not from purchases that were merely authorized.
A card payment goes through two stages: authorization, when the amount is held on your balance, and settlement, when the merchant collects it — usually 1–3 business days later, and up to 30 days in unusual cases.
A purchase that is still at the authorization stage when the month closes is not part of that month's total; it counts once it settles.
The next section covers the transactions that never earn cashback at all.
Which Purchases Don't Earn Cashback
Cashback is credited only on settled purchases at eligible merchants.
Four things keep a transaction out of your monthly total.
Transactions That Haven't Settled Yet
Cashback is calculated at settlement, so a purchase that has only been authorized earns nothing until the merchant settles it, typically within 1–3 business days.
If an authorization is never settled — because it fails, the merchant reverses it, or it expires — the held amount is released back to your available balance, usually within 1–3 business days, and no cashback is involved.
The MEXC Card Transaction FAQ explains the two stages in detail.
Refunded, Reversed, or Disputed Transactions
Refunds, reversals, and disputed transactions are removed from your monthly total.
If cashback was already paid on that purchase, the corresponding amount is deducted from your account.
Excluded Merchant Categories
Every merchant carries a Merchant Category Code (MCC), assigned by the card network and the merchant's acquiring bank, and MEXC excludes the categories below from cashback.
Category | What it covers | MCCs |
Financial services | Loan and debt repayments, brokerage and securities purchases, wallet funding, overdraft and interest charges | 6012, 6211, 6611, 6760 |
Cash and cash equivalents | ATM and counter cash advances, traveler's checks and money orders, quasi-cash merchants such as crypto exchanges and online wallets | 6010, 6011, 6050, 6051 |
Money transfers and payment services | Wire transfers and remittances, person-to-person transfers, prepaid card and gift card loads, payment-facilitator transfers | 4829, 6529–6540 |
Gambling and betting | Lotteries, casinos, online gambling, betting and gaming | 7800, 7801, 7802, 7995 |
Government payments | Taxes, fines, court costs, bail and bond payments, other government services, government postal services | 9211, 9222, 9223, 9311, 9399, 9402 |
Donations | Charitable and social service organizations | 8398 |
Direct sales | Door-to-door and direct-selling merchants | 5963 |
In practice, that means buying crypto with the card, topping up a wallet or prepaid card, sending money to a person, paying a tax bill, or placing a bet earns nothing, even though the payment itself goes through.
The cash-advance and ATM codes, 6010 and 6011, are on the excluded list, so cash withdrawals earn nothing wherever they are available.
MEXC may exclude further codes, or individual transactions, where it suspects abuse, and the full list is maintained on the MEXC Card merchant categories page.
Transactions Flagged by Risk Controls
If MEXC's risk-control system flags your account or a specific transaction, that purchase may not receive cashback even if it settled at an eligible merchant.
If a settled, eligible purchase has not been credited by the 15th of the following month, contact MEXC Customer Service.
Can Cashback and the 7% APR Be Earned at the Same Time?
Yes — and this is one of the more compelling parts of the MEXC Card's benefit structure.
Cardholders can subscribe USDT to the MEXC Card exclusive Earn product, a flexible product on MEXC Earn that pays 7% APR on the amount subscribed.
The interest comes from the USDT you subscribe, not from the balance sitting on your card, and you can redeem at any time.
Here are the key parameters:
- Applicable asset: USDT
- Minimum subscription amount: 100 USDT
- Maximum subscription amount: 100,000 USDT
- Interest calculated: hourly
- Paid out: the following day
- Participation: manual subscription required
The interest and cashback systems are calculated independently and do not conflict with each other.
Spending from your card balance earns cashback, the USDT you keep in the Earn product earns interest, and neither reduces the other.
Cashback that lands in your Spot account does not earn interest on its own — it only does once you subscribe it.
The 7% rate is fixed for the current program period and may be adjusted later, so check official announcements for the latest terms.
How Does MEXC Card Cashback Compare to Other Crypto Cards?
The crypto card market is competitive, so it helps to see where the MEXC structure differs from the alternatives.
Most exchange-issued crypto cards tie cashback to a tier, and the MEXC cards are no exception — the difference is what sets the tier.
Some programs key the rate to how much of the platform's token you hold or stake; the MEXC tier comes from your M-Score, which is a composite score rather than a single required holding.
That changes the entry point: Standard is the lowest band rather than a level you spend your way up to, and it pays 4% with no minimum monthly spend.
The rate is fixed per tier and paid in USDT, so the value of 4%, 6%, or 10% doesn't move with a token price.
What you keep after fees depends on which card you use — the two cards have different fee structures.
For users who reach the Premier or Elite bands, the rate rises to 6% or 10%, still paid in USDT and still without a token lock-up requirement.
Frequently Asked Questions
Q: Which MEXC cards earn this cashback, and are they credit or debit cards?
A: The program covers the MEXC Global Card and the MEXC Card (APAC), both Visa cards that spend from a balance you fund rather than a credit line; the MEXC × ether.fi Credit Card runs its own cashback program of up to 4% and is not covered here.
Q: Do both MEXC cards earn cashback separately?
A: No — if you hold both cards, they share one cashback program at the account level, so your combined spending earns at your single M-Score tier and counts toward one monthly cap.
Q: What is M-Score and where do I check it?
A: M-Score is the score behind MEXC VVIP, built from your trading volume, activity level, and security credit, and you can check it on the MEXC VVIP page.
Q: Does my cashback rate change if my VVIP level drops?
A: Your tier for a month is your actual VVIP level on the last day of that calendar month, so if your M-Score has fallen into a lower band by then, that band's rate and cap apply to the whole month.
Q: Is there a limit to how much cashback I can earn?
A: Yes — 100 USDT a month at Standard, 300 USDT at Premier, and 800 USDT at Elite, and the cap is shared across both cards if you hold both.
Q: When exactly is cashback credited?
A: Cashback for a calendar month is credited to your Spot account by the 15th of the following month.
Q: If a purchase is refunded, does it affect my cashback?
A: Yes — refunded, reversed, or disputed transactions are removed from your monthly total, and any cashback already credited for them is deducted.
Q: Which merchant categories are excluded from cashback?
A: Purchases coded to financial services, cash and cash equivalents, money transfers and payment services, gambling, government payments, charitable donations, and direct sales earn no cashback, per the merchant category list MEXC maintains.
Q: Can I earn the 7% APR and cashback at the same time?
A: Yes — cashback comes from card spending and the 7% APR comes from USDT you subscribe to the MEXC Card exclusive Earn product, and the two are calculated independently.
Conclusion
Both MEXC cards run the same cashback program: a fixed rate per M-Score tier, paid in USDT to your Spot account by the 15th of the following month, and independent of the 7% APR Earn product.
Whether your M-Score sits in the Standard band (350–599) or you have reached Elite, the number you see is the number you get — as long as the purchase settles, the merchant isn't in an excluded category, and you're inside your monthly cap.
Ready to apply?
Visit https://www.mexc.com/buy-crypto/mexc-card to get started.
Note: Cashback rates, APR, and other card benefits are program-period benefits that MEXC may adjust after the current period.
Always refer to the official MEXC Card page for the latest terms and conditions.
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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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