THE CRYPTO CARD INDEX.

A side-by-side comparison of crypto cards on the market — fees, cashback, ATM costs, limits.
Independent & manually reviewed, swipe by swipe. Find the sweet spot, grab your card.

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THE INDEX 6 cards · 33 specs ↕ click row to sort
01 Wirex · Wirex
COCA
Self-custodial · SOL / EVM
Avg fee -1.00%
Get COCA card →
02 Rain
ether.fi
Self-custodial · EVM
Avg fee -3.00%
Get ether.fi card →
03 Rain · Bridge
Avici
Self-custodial · SOL / EVM
Avg fee +1.33%
Get Avici card →
04 Rain · Bridge
Kast
Custodial · Multi-chain
Avg fee +2.10%
Get Kast card →
05 StraitsX
RedotPay
Custodial · Multi-chain
Avg fee +2.83%
Get RedotPay card →
06 Rain
Cypher
Custodial · EVM / SOL
Avg fee +4.36%
Get Cypher card →
Account
KYC
Self-custodial
Borrow against collateral
Authorized at cigar stores
Top-up
Instant top-up
Top-up networks SOL / EVMEVMSOL / EVMMulti-chainMulti-chainEVM / SOL
Top-up cryptos USDT / USDC / EURC—————
Top-up fee 0%0%0%0% on stablecoins / 2-5% else0%0.50% on USDC / 1.00% else
Transaction fees
Transaction fee 0%0%0%0%1%0%?
Foreign/FX fee 0%0% on USD/EUR / 1% else0.40-1.00% (non-USD)0.50-1.75% (non-USD)1.20% (non-USD)2.00-2.75% (non-USD)
Small tx fee $0$0$0$0.10 on non-USD <$25$0.20 on <$1 from 6/mo$0?
Declined fee $0$0$0.60$0.50$0.50 from 4/mo$0?
ATM
ATM fee 0% up to $250/month / 2% after2%$0 Sig / $1 + 0.65% Plat2% + $32% below $10,000 / 3% above3%
ATM daily limit €850/day/account$250/day/card$250/day/card$750/day/account ($250*3)$3,750/day/card$2,000/day/card
ATM monthly limit €5,000/month/account———$50,000/month/card$10,000/month/card
Rewards
Cashback 1.00%Up to 3.00% (in wETH)0.00%1.50-3.00%0.00%$CYPR
Cards
Card daily limit $30,000∞∞∞$1M$10,000
Card monthly limit $30,000∞∞∞∞$30,000
Virtual card cost (1st) $0$0$0$0 (1st+2nd)$10$0 ($50 min top-up)
Virtual card cost (extra) —$0$10$2/year$10$10
Physical card cost $1 + shipping$40$50 (no EU/UK shipping)$40$100$50
Max active cards 1 virtual / 1 physical3-10 virtual / 1-2 physical∞?10 total5 total?
Network
Visa
Mastercard
Apple Pay
Google Pay
Issuer
Card issuer WirexRainRainRainStraitsXRain
Card BIN 4426 014549 244549 244549 244937 244549 24
Banking rails Wirex? (web-only)BridgeBridge?—
Banking
ACH
SEPA
SEPA instant
SWIFT
01 Wirex · Wirex

COCA

Avg total fee -1.00%
Cashback1.00%
ATM / day€850/day/account
CustodySelf ✓
Get COCA card →
Account
KYC
Self-custodial
Borrow against collateral
Authorized at cigar stores
Top-up
Instant top-up
Top-up networksSOL / EVM
Top-up cryptosUSDT / USDC / EURC
Top-up fee0%
Transaction fees
Transaction fee0%
Foreign/FX fee0%
Small tx fee$0
Declined fee$0
ATM
ATM fee0% up to $250/month / 2% after
ATM daily limit€850/day/account
ATM monthly limit€5,000/month/account
Rewards
Cashback1.00%
Cards
Card daily limit$30,000
Card monthly limit$30,000
Virtual card cost (1st)$0
Virtual card cost (extra)—
Physical card cost$1 + shipping
Max active cards1 virtual / 1 physical
Network
Visa
Mastercard
Apple Pay
Google Pay
Issuer
Card issuerWirex
Card BIN4426 01
Banking railsWirex
Banking
ACH
SEPA
SEPA instant
SWIFT
02 Rain

ether.fi

Avg total fee -3.00%
CashbackUp to 3.00% (in wETH)
ATM / day$250/day/card
CustodySelf ✓
Get ether.fi card →
Account
KYC
Self-custodial
Borrow against collateral
Authorized at cigar stores
Top-up
Instant top-up
Top-up networksEVM
Top-up cryptos—
Top-up fee0%
Transaction fees
Transaction fee0%
Foreign/FX fee0% on USD/EUR / 1% else
Small tx fee$0
Declined fee$0
ATM
ATM fee2%
ATM daily limit$250/day/card
ATM monthly limit—
Rewards
CashbackUp to 3.00% (in wETH)
Cards
Card daily limit∞
Card monthly limit∞
Virtual card cost (1st)$0
Virtual card cost (extra)$0
Physical card cost$40
Max active cards3-10 virtual / 1-2 physical
Network
Visa
Mastercard
Apple Pay
Google Pay
Issuer
Card issuerRain
Card BIN4549 24
Banking rails? (web-only)
Banking
ACH
SEPA
SEPA instant
SWIFT
03 Rain · Bridge

Avici

Avg total fee +1.33%
Cashback0.00%
ATM / day$250/day/card
CustodySelf ✓
Get Avici card →
Account
KYC
Self-custodial
Borrow against collateral
Authorized at cigar stores
Top-up
Instant top-up
Top-up networksSOL / EVM
Top-up cryptos—
Top-up fee0%
Transaction fees
Transaction fee0%
Foreign/FX fee0.40-1.00% (non-USD)
Small tx fee$0
Declined fee$0.60
ATM
ATM fee$0 Sig / $1 + 0.65% Plat
ATM daily limit$250/day/card
ATM monthly limit—
Rewards
Cashback0.00%
Cards
Card daily limit∞
Card monthly limit∞
Virtual card cost (1st)$0
Virtual card cost (extra)$10
Physical card cost$50 (no EU/UK shipping)
Max active cards∞?
Network
Visa
Mastercard
Apple Pay
Google Pay
Issuer
Card issuerRain
Card BIN4549 24
Banking railsBridge
Banking
ACH
SEPA
SEPA instant
SWIFT
04 Rain · Bridge

Kast

Avg total fee +2.10%
Cashback1.50-3.00%
ATM / day$750/day/account ($250*3)
CustodyCustodial
Get Kast card →
Account
KYC
Self-custodial
Borrow against collateral
Authorized at cigar stores
Top-up
Instant top-up
Top-up networksMulti-chain
Top-up cryptos—
Top-up fee0% on stablecoins / 2-5% else
Transaction fees
Transaction fee0%
Foreign/FX fee0.50-1.75% (non-USD)
Small tx fee$0.10 on non-USD <$25
Declined fee$0.50
ATM
ATM fee2% + $3
ATM daily limit$750/day/account ($250*3)
ATM monthly limit—
Rewards
Cashback1.50-3.00%
Cards
Card daily limit∞
Card monthly limit∞
Virtual card cost (1st)$0 (1st+2nd)
Virtual card cost (extra)$2/year
Physical card cost$40
Max active cards10 total
Network
Visa
Mastercard
Apple Pay
Google Pay
Issuer
Card issuerRain
Card BIN4549 24
Banking railsBridge
Banking
ACH
SEPA
SEPA instant
SWIFT
05 StraitsX

RedotPay

Avg total fee +2.83%
Cashback0.00%
ATM / day$3,750/day/card
CustodyCustodial
Get RedotPay card →
Account
KYC
Self-custodial
Borrow against collateral
Authorized at cigar stores
Top-up
Instant top-up
Top-up networksMulti-chain
Top-up cryptos—
Top-up fee0%
Transaction fees
Transaction fee1%
Foreign/FX fee1.20% (non-USD)
Small tx fee$0.20 on <$1 from 6/mo
Declined fee$0.50 from 4/mo
ATM
ATM fee2% below $10,000 / 3% above
ATM daily limit$3,750/day/card
ATM monthly limit$50,000/month/card
Rewards
Cashback0.00%
Cards
Card daily limit$1M
Card monthly limit∞
Virtual card cost (1st)$10
Virtual card cost (extra)$10
Physical card cost$100
Max active cards5 total
Network
Visa
Mastercard
Apple Pay
Google Pay
Issuer
Card issuerStraitsX
Card BIN4937 24
Banking rails?
Banking
ACH
SEPA
SEPA instant
SWIFT
06 Rain

Cypher

Avg total fee +4.36%
Cashback$CYPR
ATM / day$2,000/day/card
CustodyCustodial
Get Cypher card →
Account
KYC
Self-custodial
Borrow against collateral
Authorized at cigar stores
Top-up
Instant top-up
Top-up networksEVM / SOL
Top-up cryptos—
Top-up fee0.50% on USDC / 1.00% else
Transaction fees
Transaction fee0%?
Foreign/FX fee2.00-2.75% (non-USD)
Small tx fee$0?
Declined fee$0?
ATM
ATM fee3%
ATM daily limit$2,000/day/card
ATM monthly limit$10,000/month/card
Rewards
Cashback$CYPR
Cards
Card daily limit$10,000
Card monthly limit$30,000
Virtual card cost (1st)$0 ($50 min top-up)
Virtual card cost (extra)$10
Physical card cost$50
Max active cards?
Network
Visa
Mastercard
Apple Pay
Google Pay
Issuer
Card issuerRain
Card BIN4549 24
Banking rails—
Banking
ACH
SEPA
SEPA instant
SWIFT

Methodology

Avg total fee

Sum of top-up cost and transaction fees, minus cashback — basically the total lost from deposit to spend. Lower is better; negative means the cashback offsets the load.

Custody

Self or non-custodial means you control the keys — the card pulls at swipe-time. Custodial means you deposit to the issuer and lend them full control over your money.

Independent

We go out, test and review each card ourselves to calculate our own accurate numbers. We also use official, up-to-date documentation for each card that we add.

Disclosure

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