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Club Swan Mastercard | 2024

With the growth of the cryptocurrency sector, more and more services are emerging to give you ways to spend your crypto where you would normally spend cash. Club Swan is one of these services. They provide a subscription-based membership card that gives you cashback, discounts on travel, and a personal 24/7 concierge.

Club Swan supports nine cryptocurrencies in their wallet. The service works in tiers, with each tier having more benefits than the previous. With the cheapest tier you are given three fiat currency accounts, but the number of supported fiats increases as the tiers do.

If you are looking for a crypto card that allows you to spend your crypto worldwide, CryptoVantage’s Club Swan review will help you determine if it is right for your needs.

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Club Swan Mastercard Card Overview

is the Club Swan credit card right for you?

Club Swan Mastercard

  • Concierge services are available 24/7 to help you with travel, accommodations, and more
  • Largest coverage amongst any card provider, with over 180+ countries.
  • No fees for funding your card with fiat
Cryptocurrencies Supported BTC, ETH, LTC, BCH, USDT, BAT, PAX, USDC, EOS
Rewards Discounts on travel, cash rewards
Card type: Mastercard Debit

Club Swan Mastercard Pros & Cons


  • FCA regulated

  • Largest coverage amongst any card provider –  accepted over 180+ countries.

  • Concierge services 24/7

  • Eye-pleasing metal cards


  • High fees for converting crypto to fiat and vice-versa

  • Initial joining fee + monthly subscription fee

  • Vague rewards program

What is the Club Swan Mastercard?

The Club Swan Mastercard is a subscription-based membership card that allows you to spend a variety of fiat currencies such as GBP, USD, and EUR.

It can be used to spend crypto indirectly by converting your crypto to fiat and allowing it to be spent using the Mastercard which is a debit card. The memberships work in tiers, with the most expensive tier offering the most benefits to users. The cheapest tier works out to $550 for the first year.

What are the Benefits of the Club Swan Credit Card?

The main benefit of using the Club Swan card is the 24/7 concierge services available to members. They provide a team that delivers luxurious experiences and services to the customer. There are supposedly a range of VIP services they can provide to members, with the higher membership tiers getting preferential treatment and their own hotline.

The Club Swan card also gives you cashback on your spending although it depends what tier of card you have.

Potential Club Swan Mastercard Dealbreakers

The main dealbreaker for the Club Swan card is the cost. The cheapest tier works out to $550 for the first year, then $420 each subsequent year as there is no longer a joining fee. In this tier, the cost to convert any of your crypto to fiat, or vice versa, is 3% per transaction. This is about 6 times higher than a regular crypto exchange’s fee (0.5%), and exponentially higher than Binance’s (who offer their own Visa) rate of 0.1% per trade.

Considering that you have to swap you crypto for fiat in order to spend it with Club Swan, this is an expensive cost of use. In order to get 0.5% fees on your swaps with Club Swan you have to be in the Chairman tier, the most expensive, which is $4k for the first year and then $1,500 each subsequent year.

There is also an assortment of fees you have to pay. If you are in the Starter tier, then you have to pay 0.5% in deposit fees to fund your account. In addition, for all tiers there is a fiat withdrawal fee. For the Starter tier it is 3%, Chairman is still 0.5%. They charge you $40 for any chargeback on the card for all tiers.

Is the Club Swan Mastercard Right for Me?

It really depends. If you have a lot of expendable income, then Club Swan can likely provide a service that meets your needs as the VIP concierge services can provide a wide range of benefits. Otherwise, the costs and fees make the cons outweigh the pros with this card.

If you are looking for an affordable card with a wide range of benefits and reasonable fees, then you may be better served elsewhere. The Visa and BlockFi Visa Card are two popular options.

Club Swan Mastercard FAQ

No. The cheapest Club Swan card level is the Starter, which cost $129 upfront and then $35 monthly.

The cost of the Club Swan card varies by tier. The cheapest tier is $129 upfront plus $35 monthly, while the highest tier is $2,495 upfront plus $125 monthly.

The Club Swan card is issued by Nvayo, an electronic payments issuer that is regulated by the FCA in the UK.

You cannot directly spend your crypto with the Club Swan card, crypto must be converted into fiat before being spent. The fee for this ranges from 3%-0.5% (lowest card tier to highest card tier).

Yes, Club Swan is available to US residents.

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