MAJORITY Card

What is the MAJORITY Card?

MAJORITY is a US financial membership built for internationals, and the MAJORITY Card is really two cards: a Visa debit card issued by Axiom Bank, N.A. under licence from Visa U.S.A., and a secured Visa credit card issued by WebBank. Both sit inside one membership, and both are designed around a single idea — you can open a US account with a passport or any valid ID from your home country, with no Social Security number required.

The debit card is included with the $6.99 per 30 days Plus plan, which starts with a 30-day free trial. The free Base plan gives you an Axiom bank account but no card at all, so the membership fee is effectively the card’s price. Deposits are FDIC insured up to $250,000 through Axiom Bank, N.A.

The debit card

This is the everyday card. You can use the digital version immediately — it is created as soon as you join Plus and can be added to Apple Wallet or Google Pay — while the physical card arrives separately and shares the same PIN, CVV and expiry date. Purchases earn automatic cashback at select merchants, deposited to your account within 24 hours of the transaction settling, with no coupon or offer activation required and no need to choose between the digital and physical card.

Two features stand out for anyone sending money home. There is no foreign transaction fee: international purchases are converted to US dollars at the network rate with no additional charge from MAJORITY. And cash is free to take out at more than 55,000 Allpoint ATMs in the United States, which sit inside CVS, Walgreens, Target and Costco; using an ATM outside that network costs a flat, non-refundable $2.50. The card works abroad too, for purchases and ATM withdrawals. Real-time notifications, instant card locking and in-app dispute filing cover the security side, and funds can be added by direct deposit, bank transfer, card deposit, cash deposit at an ATM, cheque or payment apps.

The secured credit card

The credit card is a secured card with a 25% purchase APR, built for people with no US credit file. You put down a security deposit held in a collateral account, which secures what you owe and cannot be accessed while a balance is outstanding. Paid in full each month, it costs nothing in interest — there is no interest if you clear the balance by the due date, at least 21 days after the statement closes, and there is no penalty APR and no minimum interest charge.

The attraction is the credit-building mechanic: on-time payments can raise your credit line by up to 5% each month. Miss a minimum payment and the card locks seven days after the due date until it is paid. Penalty fees are capped low by US credit card standards — up to $25 for a late payment and up to $25 for a returned payment, with no over-the-limit fee — and there is no foreign transaction fee here either.

Where crypto fits

To be clear about this: the cards are fiat. There is no crypto funding and no crypto cashback, and the app’s crypto element sits in a separate product, MAJORITY Wallet, the international version of the app for users outside the United States. That wallet holds balances in USDC, the dollar-backed stablecoin: money added is converted to USDC, you see the local-currency equivalent, and withdrawals convert back at the current rate. It includes MAJORITY Pay for member-to-member payments and local add/withdraw options, and it carries no monthly membership fee.

Access is uneven. Users registering from Mexico, Colombia and Venezuela get a wallet immediately; users from other countries can register but are placed on a waitlist for wallet access. Both the wallet and the US account are custodial — balances sit with MAJORITY’s banking and stablecoin partners rather than in your own keys — so if holding your own keys matters, the crypto wallets directory is the better starting point.

Who it suits

The MAJORITY Card is aimed squarely at people who have moved to the United States and need a working dollar account and card quickly, without an SSN or a US credit history: no foreign transaction fees, free cash at a large ATM network, automatic merchant cashback and a path to a US credit line, all for $6.99 a month. It suits crypto users less directly, because nothing on the card runs on crypto — the stablecoin exposure lives in the overseas wallet, not in your spending. Compare it with the fee-first cards in the crypto cards directory, including fiat-first digital cards such as the Send Card, which is a USD Visa funded from a wallet balance rather than a bank account.

MAJORITY Card features

• Two Visa cards in one membership — a debit card issued by Axiom Bank, N.A. and a secured credit card issued by WebBank.
• No SSN needed — open a US account with a passport or any valid government ID from your home country.
• FDIC insurance up to $250,000 through Axiom Bank, N.A.
• No foreign transaction fee on either card, with non-USD purchases converted at the network rate and no added charge.
• Fee-free cash at 55,000+ Allpoint ATMs in the US, including ATMs inside CVS, Walgreens, Target and Costco; $2.50 outside the network.
• Automatic merchant cashback — no activation, no coupons, paid within 24 hours of settlement, on both the digital and physical card.
• Instant digital card that can be added to Apple Wallet and Google Pay while the physical card is on its way.
• Secured credit building — a security deposit opens the line, and on-time payments can raise the limit by up to 5% each month.
• 0% penalty APR and no minimum interest charge on the credit card, with no interest if the balance is cleared by the due date.
• Plus membership benefits — free international calls to more than 35 countries, free international top-ups, and fee-free international transfers when the recipient is paid into a bank account.
• MAJORITY Pay — send and request money between members, to non-members in the US, and to non-members abroad by invitation link.
• Flexible funding — direct deposit, bank deposit, card deposit, cash deposit, ATM deposit, cheque deposit and payment apps.
• MAJORITY Wallet outside the US — a USDC-backed balance for users in Mexico, Colombia and Venezuela, with no monthly membership fee.

Card controls and security

• Real-time transaction notifications
• Instant card blocking, and reporting a card lost or stolen from the app
• In-app dispute filing for unrecognised charges
• PIN management, shared between the digital and physical debit card
• Anti-fraud monitoring on both cards

What the cards do not include

• Debit card access on the free Base plan — the card is Plus-only
• Any crypto funding, crypto cashback or crypto rewards
• Cashback rates published in advance — earning is limited to select merchants
• An unsecured credit line — the credit card requires a deposit held as collateral
• Cards outside the United States — overseas users get the MAJORITY Wallet instead

The crypto side of MAJORITY

Neither MAJORITY card is a crypto card. The debit card spends dollars from an FDIC-insured US account and is funded by direct deposit, bank transfer, card deposit, cash deposit, ATM deposit, cheque or a payment app; the credit card spends a secured line backed by a cash deposit. There is no crypto funding, no crypto cashback and no crypto rewards anywhere in the card programme.

The crypto element is MAJORITY Wallet, the international version of the app for users outside the United States. It works differently from a typical crypto wallet:

• Balances are held in USDC — whenever you add money, the funds are converted to USDC, and your balance stays in USDC while you view the local-currency equivalent.
• Withdrawals convert back to your local currency at the current exchange rate.
• MAJORITY Pay is included for member-to-member payments, alongside local add and withdraw options.
• No monthly membership fee applies to the Wallet, unlike the $6.99/month Plus plan behind the cards.
• Access is limited — users registering from Mexico, Colombia and Venezuela get a wallet immediately, while registrations from other countries are waitlisted.

Custody

Both sides of the product are custodial. Your US dollars sit with Axiom Bank, N.A., and your MAJORITY Wallet balance sits in USDC held through MAJORITY rather than in keys you control. That is the straightforward, low-effort model, and it is also the trade-off: you are trusting a partner rather than holding keys yourself. Anyone who wants the opposite — a wallet where the balance is theirs alone — should start with the crypto wallets directory rather than a neobank balance.

What that means in practice

If you are already in crypto, the MAJORITY Card is best understood as a spending and remittance account rather than a crypto product: it gives you a US dollar account, a Visa card that works anywhere Visa is accepted and a route to a US credit line, while the stablecoin exposure stays inside the overseas wallet. If you are looking for a card that spends your own crypto or pays crypto rewards, this is not that card.

MAJORITY Card fees

The card itself does not carry a separate fee. What you pay is the membership that unlocks it, plus a small number of usage fees, most of which only apply on the free tier.

Membership plans

Card fees

Credit card disclosures

Membership usage fees

Rates differ by plan. On Base, international transfers cost $1.99 each with a further $3 if the recipient takes the money as cash, international top-ups cost $0.99 each, and international calls are charged per minute at country rates. On Plus, international transfers are free when the recipient is paid into a bank account (still $3 for cash pickup), international top-ups are free, and calls to more than 35 countries are free.

Not published

• Cashback rates by merchant — offers are shown in the app
• Spending limits and per-transaction caps
• ATM daily withdrawal limits
• Physical card replacement and delivery fees
• Any fee for the MAJORITY Wallet, which MAJORITY states has no monthly membership fee