Amp Pay Card Discontinued: Wallet Export, Fees & Card History

Current status and what users should do

Amp Pay has discontinued the Amp Black Card and is winding down the Amp Pay wallet app. The company homepage now directs users to move funds to another Solana wallet or export their private keys. The app may remain accessible during the wind-down, but that access is for moving or recovering assets rather than obtaining or using the card.

Users who still have assets in Amp Pay should take one of two routes:

1. Send the assets to another Solana wallet they control.
2. Export the Amp Pay wallet's private keys and import them into a compatible wallet interface.

Private keys and recovery phrases give complete control over a wallet. Amp Pay says its support team will never request either one. Anyone asking for them should be treated as an impersonator or scammer.

The May 2026 shutdown announcement said the app would remain available through at least the end of 2026 for withdrawals and wallet export. It also said amounts paid for card preorders would be returned to Amp wallets over the following two weeks. Users with an unresolved preorder or missing refund should contact Amp Pay at the support address shown on its website.

The live Amp Black Card marketing page still describes an active Visa card. That page is legacy product material: the newer Amp Pay homepage carries the discontinuation notice and no longer offers an active card application path.

What the Amp Black Card was

Amp Pay combined a self-custodial crypto wallet with a Visa credit account. Although the product was often described as a debit or prepaid card, both the U.S. and international card agreements define a collateral-backed credit card with a 0% purchase APR.

The user's linked wallet supplied digital assets worth at least the USD value of card charges. Amp Pay and Third National could set the available credit from that collateral and could reduce a spending limit, suspend the card or liquidate enough collateral to settle an amount owed. It was therefore not conventional unsecured credit and not a simple prepaid balance.

The card was marketed without a credit check because the spending line was backed by digital assets. Identity verification still applied. The U.S. agreement requested personal and government-identification information, while the international agreement required personal use, sanctions compliance and non-U.S. citizenship.

Former U.S. and international terms

The two programmes shared the collateral-backed model but had materially different costs and repayment timelines.

The international 3% FX charge and 3% cross-border charge were separate line items. A transaction could potentially meet both conditions, but the FX percentage itself was 3%, not 6%. The actual total depended on the merchant currency, merchant location, network conversion and the charges applied to that transaction.

The U.S. card agreement gave cardholders 21 days after the billing-cycle close to pay amounts due, while also allowing Amp Pay to liquidate collateral within 48 hours of a purchase at its discretion. The international agreement was stricter: an unpaid obligation could become a liquidation event after one calendar day, subject to any discretionary grace period.

Spending capacity generally followed collateral value on a 1:1 USD basis. Amp Pay and the issuer could still impose daily, monthly, merchant or transaction-specific limits and could reduce a limit to zero.

ATM access was never a dependable headline feature. The international terms excluded cash advances. The U.S. agreement described ATM use only if enabled and treated it as a cash advance, while its opening disclosure listed cash advances as unavailable.

Cashback history

Amp Pay did not publish one permanent cashback rate. It ran dated promotions with changing qualification rules, spend bands and excluded categories. The final published promotion ended on March 31, 2026.

The March promotion sharply reduced the eligible-spend band from $10,000 to $1,000 and excluded the base physical tier. Both physical and virtual purchases could qualify only when the account had an eligible premium physical card.

Excluded categories included financial services, account funding, peer-to-peer transfers, cryptocurrency purchases, gift and prepaid cards, gambling, government services, utility and bill payments, rent and other cash-like or high-risk transactions. Cashback could be paid directly or made claimable in the app. The terms used minimum payout thresholds and gave Amp Pay discretion over payout timing and method.

No active cashback rate should be assumed after March 2026. The still-live “up to 4%” card headline describes the former promotional maximum, not a current reward.

Wallet custody and liquidation

Amp Pay users controlled the keys to the underlying wallet. The support guide says a wallet could be imported elsewhere with its private key, and the shutdown guidance relies on that portability. Losing both email access and the recovery information could make the wallet unrecoverable because Amp Pay could not recreate the keys.

Card collateral had a different risk profile from an idle wallet balance. Under the U.S. agreement:

• Collateral remained owned by the user and sat in smart contracts on supported blockchains.
• Amp Pay could access and liquidate collateral after a defined liquidation event.
• Liquidation could occur after a purchase, after non-payment or when collateral value fell below card charges.
• A collateral withdrawal required at least three business days' notice.
• Unencumbered collateral was intended to remain accessible.

The international agreement likewise said Amp Pay and the issuer did not custody wallet contents, but it authorized liquidation to settle card obligations and allowed account or transaction restrictions. DeFi positions also introduced third-party smart-contract and liquidity risk outside the issuer's responsibility.

This design gave users more asset control than a custodial card balance, but it did not make card collateral untouchable. Wallet keys were user-controlled; card access, credit limits, settlement and liquidation still depended on Amp Pay, Third National and the relevant smart contracts.

Funding, withdrawals and supported assets

The U.S. card terms separated card funding from card-to-wallet withdrawals:

• Adding funds to the card was free, and Amp Pay said it covered the associated onchain transaction fee.
• Withdrawing funds from the card back to the Amp wallet could cost up to 0.10%.
• The $5 figure was the minimum withdrawal transfer amount, not a $5 top-up fee.

The wallet and card material referenced USDC, USDT, PYUSD, USDS and SOL. The U.S. card agreement named Solana, Ethereum, Polygon, Optimism and Arbitrum as supported blockchains. The international agreement named Ethereum, Polygon, Optimism and Arbitrum and allowed additional networks at the issuer's discretion.

Amp Pay also integrated third-party protocols including Jupiter and DeFi Carrot. Those services were governed by their own terms and risks. Yield displayed in the app came from external protocols rather than the card issuer, and it should not be treated as a guaranteed card return.

During the wind-down, the relevant action is wallet migration rather than card funding. Users should move supported Solana assets or export the wallet keys while the app remains accessible.

Former Country Availability

The card is now available in zero application countries because the programme has been discontinued. Former geographic data remains useful only as product history.

Before shutdown, Amp Pay maintained separate U.S. and international terms. The international programme was intended for people outside the United States and required the applicant to attest that they were not a U.S. citizen. Amp Pay also prohibited account openings from Afghanistan, Albania, Belarus, Bosnia, the Central African Republic, Congo, Croatia, Cuba, Eritrea, Haiti, Iran, Iraq, Kosovo, Lebanon, Liberia, Libya and Macedonia, alongside broader sanctions restrictions affecting North Korea, Syria and specified Ukrainian regions.

That prohibited-country list was not proof that every other country could successfully obtain the card. Application eligibility, identity-document support and physical-card shipping were separate checks.

Identity Verification

All card applicants had to complete identity verification. The agreements allowed Amp Pay or the issuer to request names, addresses, dates of birth, government identifiers and additional documentation, and to restrict or close accounts when information could not be verified.

Issuer, disputes and security

Third National was the named issuer for both the U.S. and international card programmes. Amp Pay operated the app and card experience, while third-party DeFi services remained separate from the issuer.

For U.S. disputes, the agreement allowed an investigation fee of up to $30 and warned that a dispute could take 90 days or longer. Paying the fee did not guarantee reimbursement. Conditional unauthorized-use protection limited a consumer's liability to no more than $50 when the cardholder met the agreement's reporting, care and account-standing conditions; ATM cash advances were excluded from that limitation.

Amp Pay's support page listed email and Telegram and targeted a response within 48 hours. During the shutdown, users should use only contact details published on Amp Pay's own site and should never send a private key, seed phrase or recovery phrase to support.

User feedback and operating record

Public feedback was limited. As of August 2026, the U.S. App Store showed 4.5/5 from eight ratings. Visible 2025 reviews praised easy onboarding, simple transfers, a smooth interface and quick card signup. Google Play showed 4.5/5 from 48 reviews and more than 10,000 downloads; one visible review reported being locked out by an “update required” screen.

Those samples are too small and too old to establish how reliably the card worked near shutdown. Most visible reviews predated the final reward changes and the May 2026 wind-down. Social posts praising card acceptance and the app often included referral codes, ambassador activity or promotional language, so they are useful examples of claimed use rather than a representative satisfaction survey.

The shutdown is the decisive operating fact. A contemporary card review captured Amp Pay's announcement that it had reached the end of its runway after the Drift-related fallout and difficulty raising additional funding. Amp Pay's own homepage confirms discontinuation, while ecosystem reporting confirms the app-access and preorder-refund instructions.

Top-Up Methods

• Card funding is discontinued
• Existing users should transfer Solana assets to another wallet or export their private keys
• Former U.S. card funding was free, including the onchain transaction fee
• Former card-to-wallet withdrawals had a $5 minimum transfer and could cost up to 0.10%
• The $5 minimum and 0.10% charge were withdrawal terms, not top-up fees

Self-Custody True Self-Custody

• Users control and can export the private keys to the underlying Solana wallet
• Unencumbered wallet assets can be moved without Amp Pay custody
• Card collateral remained user-owned but could be liquidated through smart contracts after defined card events
• Collateral withdrawals could require advance notice, and card limits, authorisation and settlement depended on Amp Pay and Third National
• During the wind-down, users should transfer assets or export the wallet keys while the app remains accessible

Pros and cons

Former strengths

• ✅ User-controlled wallet keys and an export path
• ✅ 0% purchase APR on the collateral-backed credit account
• ✅ No U.S. annual or monthly card fee
• ✅ Apple Pay and Google Pay support
• ✅ Free U.S. card funding and a 1% non-USD fee
• ✅ Clearly dated cashback promotions rather than an undisclosed reward formula

Material drawbacks

• ❌ Card and app programme discontinued
• ❌ Collateral could be liquidated quickly and without advance notice
• ❌ International FX and cross-border charges could stack
• ❌ Cashback terms changed monthly and the final spend band was only $1,000
• ❌ Card disputes could be slow and could involve a fee without guaranteed reimbursement
• ❌ Public user-feedback samples were small and mostly pre-shutdown

Verdict

Do not apply for or fund an Amp Pay Card: the card programme is discontinued. Existing users should move Solana assets to another wallet or export their private keys while the app remains accessible, and should follow up through Amp Pay's published support channel if a card-preorder refund is missing.

Historically, Amp Pay offered an unusual combination of user-controlled wallet keys, 0% APR collateral-backed spending and mobile-wallet support. Its value was weakened by fast liquidation rights, changing promotional rewards and expensive international transactions. Those former terms remain useful for understanding the product, but none of them should be treated as a current offer.