What the Reah Card is
Reah is a finance platform for businesses — it calls itself an "agentic onchain neobank" — and the Reah Card is its corporate card product. You fund cards from a fiat banking balance or from a crypto wallet, and spend them wherever Visa is accepted. The card itself is issued by Third National under licence from Visa, while Reah Inc. supplies the platform; Reah states plainly that it is a financial technology company, not a bank, broker-dealer or money transmitter, and that regulated services come from third-party partners.
That structure — a named issuing bank and a real card network behind a crypto treasury platform — puts the Reah Card in a different category from the no-KYC consumer virtual cards that dominate this directory. It is built for companies: finance teams issue cards per person, team or subscription, set limits, restrict merchants and categories, and watch every transaction land in the same ledger as banking, wallets and treasury.
The mechanics: funded or collateralised?
Reah publishes two accounts of how the card works, and they are not the same. Its help centre describes a simple model: all spending draws from a Card Account balance displayed in USD, funded by transferring in from your banking account or wallet, with crypto deposits automatically off-ramped to dollars. Treasury funds cannot currently be used to fund cards.
Its International Business Program card terms describe something more involved: a charge account with a credit limit, secured by collateral you provide from a linked wallet, where you repay what you spend. Under those terms a Liquidation Event occurs if an outstanding payment obligation is not cleared within one calendar day, or if the market value of your collateral falls below the value of your outstanding charges and you do not add more — at which point collateral can be liquidated, with the gas costs paid out of your collateral. The same document sets 0% APR, which Reah says it may change in future with prior disclosure.
Both documents are published by Reah and both are current, so which one governs your card depends on the programme you are onboarded into and the market you are in Reah's four published programmes: International Business, US Business, International Consumer and US Consumer. Anyone signing up should confirm in writing whether their card is a prepaid balance or a collateralised charge account before relying on it. The business terms also bar personal, family or household use outright.
What it costs
Reah is unusually good at publishing its fee schedule, and the numbers are worth reading closely.
| Charge | Amount |
|---|---|
| International FX fee on card purchases | 2.5% of the purchase |
| Cross-border fee | $0.30 per transaction |
| Dispute handling fee | $40.00 per dispute |
| Interest on purchases | 0% APR currently; Reah may introduce interest later with notice |
| Late payment / returned payment | Up to $0 |
| ACH transfer (outgoing) | $5.00 Free · $2.00 Pro · $1.00 Enterprise |
| Fedwire transfer | $30.00 Free · $25.00 Pro · $20.00 Enterprise |
| SWIFT transfer | $45.00 Free · $40.00 Pro · $35.00 Enterprise |
| Depositing fiat, withdrawing fiat, receiving crypto, sending crypto, internal transfers | No charge |
Two things stand out. First, the 2.5% FX fee plus a 30-cent cross-border charge is steep for a corporate card, and with no cashback anywhere in the product there is nothing rebating it. Second, the $40 dispute fee is charged per dispute, and disputes are not even self-service — Reah's help centre says they are handled by emailing support, which means a contested charge can cost you $40 and a manual process.
On top sit the plan subscriptions. Reah runs Free, Pro and Enterprise tiers, and the subscription price itself is not published: the Free tier caps you at one user (the owner), three wallets and one card, a failed payment triggers a 3-day grace period before features are restricted and the workspace eventually drops to Free, and conversions on the Pro tier get better rates. Enterprise pricing is by conversation with sales. Gas fees on chain transactions are separate and set by the network, payable from your wallet or a Gas Station balance.
One balance, one ledger, real controls
What justifies the four-star rating is the operational layer, and it is genuinely well built. Cards post into a unified ledger alongside banking, wallet and treasury activity, so reconciliation and month-end close work off one system of record. Multi-entity businesses can scope accounts and controls per entity. Every cardholder action sits under a policy engine with role permissions, approval rules and threshold escalation — the same rules that govern a $1M treasury rebalance govern card spend. Finance teams get merchant and category restrictions, instant freeze, per-card limits, receipts collected against purchases and an audit trail.
The wallets behind it are non-custodial, powered by Turnkey, with keys sharded and at least one shard held by Reah to facilitate services; Reah states it has no custody or control over your digital assets, and equally that it cannot recover lost credentials. Supported networks span Ethereum, Arbitrum, BNB Chain, Optimism, Base, Mantle, Polygon, Gravity, Plume, Robinhood Chain, Solana, Tron and Bitcoin, and treasury strategies come from curated partners including Morpho, Spark and Paxos Labs plus tokenised US Treasuries through Plume and Ondo.
There is also the feature that gives Reah its name: cards for AI agents. Through a separate agents product you can issue a stablecoin-funded card to an agent with spend controls and share an access key, so software can transact inside limits you set. It is the most distinctive thing here and no other card in this directory does it.
Where it falls short
Beyond the fees and the collateral mechanics, the practical limits are real. There is no cashback. Cards cannot be funded from treasury. Card availability excludes the entire European Union and the United Kingdom, which rules Reah out for many global teams. KYB is mandatory for cards, so there is no anonymous route. The restricted-jurisdiction list includes Ukraine in full, plus Russia, Iran, Cuba, Venezuela, Syria and Myanmar. Support is thin — a help centre, a Telegram channel and an email address. Physical cards are unconfirmed. And the platform itself is new: Reah launched six products simultaneously in April 2026, so there is no long operating record, no published audit and, as far as our research found, no independent third-party reviews at all. Watch out for the name too — searching "Reah card review" surfaces a different company, Reap, which is unrelated.
How it rates
Four stars, Tier-3. It earns those stars for structure and transparency: a named licensed issuer in Third National, a real Visa programme, 0% interest while it lasts, honest publication of FX and dispute fees, non-custodial Turnkey wallets, institutional control layers and the widest documented feature set of any crypto card here, including agent cards. It loses the fifth star for the 2.5% plus $0.30 non-USD cost with no cashback, the $40 manual dispute process, the one-day repayment and collateral-liquidation mechanics, the absence of a European footprint, unpublished subscription pricing, unresolved physical-card availability, and a track record that barely exists yet.
The closest comparison in this directory is Brex Card, the other corporate card built for teams that hold crypto, while Mine Card shows what a self-custody spending card looks like when nothing is collateralised. The full field sits in the crypto cards directory.
