−$120a year at $1,000/mo in Austria
confirmed by issuer for Austria
to issue$0$0
cashback− 1% × $12,000−$120
a year−$120
Costs
Rewards
Access
KYCfull — Card onboarding is regulated and requires identity/residence verification. shop.ledger.com2026-08-16
Practical
Issuing bankMonavate · Cross River Bank, Member FDIC for the US. Card provided by Baanx. shop.ledger.com2026-08-16
Merchant restrictionsATM withdrawals supported
Known to work: Apple Pay, Google Pay, ATM cash withdrawal (local currencies, worldwide) shop.ledger.com2026-08-18
Known to work: Apple Pay, Google Pay, ATM cash withdrawal (local currencies, worldwide) shop.ledger.com2026-08-18



