What the Meow Card is
Meow is business banking for companies that hold crypto, and its cards are the spending end of that account. Two programmes are in play: Global Cards, described as commercial prepaid debit cards issued by Lead Bank, Member FDIC, with Stripe managing the card programme, and the Meow Commercial Card, issued by Community Federal Savings Bank under a Visa licence. The underlying accounts are provided by Cross River Bank and Grasshopper Bank, N.A., both Members FDIC. Meow Technologies is explicit that it is a financial technology company and not a bank.
The company is backed by Tiger Global, QED and Lux Capital, serves businesses in more than 200 countries, supports non-US entities, and reports billions of dollars in assets on platform alongside billions in annualised stablecoin payment volume. Its stablecoin rails run through Bridge, Stripe's stablecoin platform, and BVNK.
The cashback is aimed at AI spenders
Meow pays 2.5% on eligible AI spend and 1.5% on everything else, per its published Card Rewards Terms, with enrolment automatic once you hold a Meow account in good standing. That structure says a lot about its customer base: AI infrastructure bills are a real category of spend for software companies, and Meow is the rare card that pays its best rate on them. Note that the rewards programme is offered and administered by Meow Technologies Inc., not by the issuing banks, and the terms can be updated by posting a new version on the website.
Card controls are the product
There is no practical limit on issuance: virtual and physical cards, single-use cards for one-off purchases, and vendor cards with their own rules. Each card can be locked to specific merchants or merchant categories, capped per transaction and on daily, weekly, monthly, yearly or all-time limits, and given an expiry date at creation. For companies with procurement workflows, the Cards API lets you create, retrieve, update and revoke cards with scoped keys, and Meow also exposes an MCP server and CLI so AI agents can handle parts of onboarding and operations.
Crypto rails, not crypto collateral
The important distinction: Meow does not issue a card that spends from an on-chain wallet. You fund from your checking balance or a stablecoin balance. The crypto side is the account itself - fee-free USDC on and off-ramping, USDC on Ethereum, Solana and Base, and send and receive for BTC, SOL, ETH, USDC and USDT, with stablecoin payments accepted and converted to USD inside one platform. For crypto-native businesses that means revenue in USDC can land, be invoiced, and fund company cards without touching a separate exchange.
Treasury and cost
Meow charges no wire or ACH fees, domestic or international, and check issuance and deposits are free; corporate cards carry no annual fee and no credit check is required. On yield, its Commercial Paper Account - offered by Meow Advisory LLC, an SEC-registered investment adviser - targets 3.73% to 3.97% net annually, but requires a minimum of $100,000 held in a checking account through a partner bank, which is waived at the adviser's discretion. A Global Treasury product adds T-Bills, UK Gilts and Bunds through BNY Pershing for companies with larger balances.
The practical read
This is one of the better-built corporate card programmes in the crypto-adjacent space: named US bank issuers, a Stripe-managed programme, published cashback terms, no fee drag on wires, and stablecoin rails that actually work for companies dealing in USDC. It is also firmly business-only, prepaid rather than credit, and not a crypto-collateral card. If you need a personal card that spends stablecoins at the till, look elsewhere; if you run a company, compare the Brex crypto card, the Whop Card for marketplace earnings, or the rest of the crypto cards directory.
