Some US residents can get USDT cards, but the path is far narrower than in other regions. The key issue is not whether USDT itself is compliant, but whether the card issuer holds both a FinCEN MSB registration and a Money Transmitter License (MTL) for your state. Both conditions are required. US residents must also complete full KYC — SSN, proof of address, and sometimes a W-9 tax form — which is significantly more involved than for users in Southeast Asia or Latin America.
Which Issuers Serve the US
The main USDT / crypto card issuers serving the US market include:
- Coinbase Card: Coinbase is licensed in all 50 US states (New York BitLicense + state-level MTLs), making it the most straightforward option for US residents. Spending is deducted from your Coinbase account balance; USDC is supported (USDT must be converted first). See the Coinbase Card page.
- Crypto.com Visa: Available in most US states, though New York, Vermont, Hawaii, and others have historically had restrictions — check the official page for current availability. See the Crypto.com Visa card page.
- BitPay Card: Issued through Metropolitan Commercial Bank; US residents can apply.
Which Cards Explicitly Do Not Serve the US
The following issuers explicitly list the United States as a restricted jurisdiction in their terms of service. Opening an account as a US resident violates their ToS:
- Bybit Card: Bybit’s entity does not serve the US.
- OKX Card: OKX exited the US market in 2024.
- Bitget Wallet Card / Bitget Exchange: Also does not serve the US.
- Most niche “no-KYC” issuers (typically licensed in Southeast Asia or Europe) also explicitly exclude US users.
Attempting to bypass these restrictions via VPN and a foreign address falls under /risks/sanctions. If flagged by risk controls, the best case is a frozen balance; the worst is a permanent ban with no appeal process.
What US Residents Need to Watch Out For
- Tax reporting: Under IRS rules, every USDT card transaction may constitute a “disposition of a crypto asset” and must be reported on Form 8949. This is a major difference from users in most other countries.
- State-level variation: New York, Texas, and California impose the most restrictions. Before applying, check the issuer’s list of available products in your state.
- Stablecoin legislation: The US has been advancing stablecoin legislation since 2025, and the range of stablecoins supported by issuers may change. See /compliance/us for the full regulatory picture.
Editorial Recommendations
Do: If you are a US resident, first check /compliance/us to confirm which issuers are available in your state, then complete KYC at /cards/coinbase-card or /cards/crypto-com-visa. Keep records of every transaction for tax reporting purposes.
Don’t: Do not use a VPN to register with Bybit, OKX, or any other issuer that does not serve the US — the few dollars saved in monthly fees are nowhere near enough to offset the cost of a frozen account. Do not trust any niche card that claims “US-compatible, no KYC required.” These products almost always operate on the edge of /risks/regulatory-freeze.
For information on support in other regions, see Which Countries Support USDT Cards.