THE CRYPTO CARD INDEX.

A side-by-side comparison of crypto cards on the market — fees, cashback, ATM costs, limits.

IDX

Compare Cards

THE INDEX 7 cards · 33 specs click row to sort
01 Rain
ether.fi cardether.fi
EVM · Self-custodial
Avg fee -3.00%
Get ether.fi card
02 Wirex · Wirex
COCA cardCOCA
EVM / SOL · Self-custodial
Avg fee -1.00%
Get COCA card
03 Kulipa
Ready cardReady
Multi-chain · Self-custodial
Avg fee +1.20%
Get Ready card
04 Rain · Bridge
Avici cardAvici
EVM / SOL · Self-custodial
Avg fee +1.33%
Get Avici card
05 Rain · Bridge
Kast cardKast
Multi-chain · Custodial
Avg fee +2.05%
Get Kast card
06 StraitsX
RedotPay cardRedotPay
Multi-chain · Custodial
Avg fee +2.83%
Get RedotPay card
07 Rain
Cypher cardCypher
EVM / SOL · Custodial
Avg fee +4.36%
Get Cypher card
Account
KYC
Self-custodial
Spend without selling
Tobacco (MCC 5993)
Funding
Top-up <1min
Top-up chains EVMEVM / SOLMulti-chainEVM / SOLMulti-chainMulti-chainEVM / SOL
Top-up tokens —USDT / USDC / EURCUSDC (bridge from app)Any (auto-bridging)———
Top-up fee 0%0%0% on USDC / up to 1% else0%0% on stablecoins / 2-5% else0%0.50% on USDC / 1.00% else
Spending
Transaction fee 0%0%0%0%0%1%0%?
FX/Foreign fee 0% on USD/EUR / 1% else0%0% Metal / 1% Lite0.40-1.00% (non-USD)0.50-1.75% (non-USD)1.20% (non-USD)2.00-2.75% (non-USD)
Small tx fee $0$00%$0$0.10 on non-USD <$25$0.20 on <$1 from 6/mo$0?
Declined fee $0$00%$0.60$0.50$0.50 from 4/mo$0?
Cashback Up to 3.00% (in wETH)1.00%Up to 3% Metal / 0% Lite0.00%1.50-3.00%0.00%$CYPR
Cards
Card daily limit ∞$30,000$10,000∞∞$1M$10,000
Card monthly limit ∞$30,000$30,000∞∞∞$30,000
Max active cards 3-10 virtual / 1-2 physical1 virtual / 1 physical1∞?10 total5 total?
Virtual card (1st) $0$0$0$0$0 (1st+2nd)$10$0 ($50 min top-up)
Virtual card (+) $0——$10$2/year$10$10
Physical card $40$1 + shipping$6.99$50 (no EU/UK shipping)$40$100$50
Cash
ATM fee 2%0% up to $250/month / 2% after0% Metal / 2% Lite$0 Sig / $1 + 0.65% Plat2% + $32% below $10,000 / 3% above3%
ATM daily limit $250/day/card€850/day/account$500/day/account$250/day/card$750/day/account ($250*3)$3,750/day/card$2,000/day/card
ATM monthly limit —€5,000/month/account$2,500/month/account——$50,000/month/card$10,000/month/card
Providers
Card issuer RainWirexKulipaRainRainStraitsXRain
Card BIN 4549 244426 015338 674549 244549 244937 244549 24
Banking rails ? (web-only)Wirex—BridgeBridge?—
Payments
Visa
Mastercard
Apple Pay
Google Pay
Banking
ACH
SEPA
SEPA Instant
SWIFT
01 Rain

ether.fi

Avg fee -3.00%
ether.fi card
Top-up chainsEVM
CustodySelf ✓
ATM limit$250/day/card
Get ether.fi card
Account
KYC
Self-custodial
Spend without selling
Tobacco (MCC 5993)
Funding
Top-up <1min
Top-up chainsEVM
Top-up tokens—
Top-up fee0%
Spending
Transaction fee0%
FX/Foreign fee0% on USD/EUR / 1% else
Small tx fee$0
Declined fee$0
CashbackUp to 3.00% (in wETH)
Cards
Card daily limit∞
Card monthly limit∞
Max active cards3-10 virtual / 1-2 physical
Virtual card (1st)$0
Virtual card (+)$0
Physical card$40
Cash
ATM fee2%
ATM daily limit$250/day/card
ATM monthly limit—
Providers
Card issuerRain
Card BIN4549 24
Banking rails? (web-only)
Payments
Visa
Mastercard
Apple Pay
Google Pay
Banking
ACH
SEPA
SEPA Instant
SWIFT
02 Wirex · Wirex

COCA

Avg fee -1.00%
COCA card
Top-up chainsEVM / SOL
CustodySelf ✓
ATM limit€850/day/account
Get COCA card
Account
KYC
Self-custodial
Spend without selling
Tobacco (MCC 5993)
Funding
Top-up <1min
Top-up chainsEVM / SOL
Top-up tokensUSDT / USDC / EURC
Top-up fee0%
Spending
Transaction fee0%
FX/Foreign fee0%
Small tx fee$0
Declined fee$0
Cashback1.00%
Cards
Card daily limit$30,000
Card monthly limit$30,000
Max active cards1 virtual / 1 physical
Virtual card (1st)$0
Virtual card (+)—
Physical card$1 + shipping
Cash
ATM fee0% up to $250/month / 2% after
ATM daily limit€850/day/account
ATM monthly limit€5,000/month/account
Providers
Card issuerWirex
Card BIN4426 01
Banking railsWirex
Payments
Visa
Mastercard
Apple Pay
Google Pay
Banking
ACH
SEPA
SEPA Instant
SWIFT
03 Kulipa

Ready

Avg fee +1.20%
Ready card
Top-up chainsMulti-chain
CustodySelf ✓
ATM limit$500/day/account
Get Ready card
Account
KYC
Self-custodial
Spend without selling
Tobacco (MCC 5993)
Funding
Top-up <1min
Top-up chainsMulti-chain
Top-up tokensUSDC (bridge from app)
Top-up fee0% on USDC / up to 1% else
Spending
Transaction fee0%
FX/Foreign fee0% Metal / 1% Lite
Small tx fee0%
Declined fee0%
CashbackUp to 3% Metal / 0% Lite
Cards
Card daily limit$10,000
Card monthly limit$30,000
Max active cards1
Virtual card (1st)$0
Virtual card (+)—
Physical card$6.99
Cash
ATM fee0% Metal / 2% Lite
ATM daily limit$500/day/account
ATM monthly limit$2,500/month/account
Providers
Card issuerKulipa
Card BIN5338 67
Banking rails—
Payments
Visa
Mastercard
Apple Pay
Google Pay
Banking
ACH
SEPA
SEPA Instant
SWIFT
04 Rain · Bridge

Avici

Avg fee +1.33%
Avici card
Top-up chainsEVM / SOL
CustodySelf ✓
ATM limit$250/day/card
Get Avici card
Account
KYC
Self-custodial
Spend without selling
Tobacco (MCC 5993)
Funding
Top-up <1min
Top-up chainsEVM / SOL
Top-up tokensAny (auto-bridging)
Top-up fee0%
Spending
Transaction fee0%
FX/Foreign fee0.40-1.00% (non-USD)
Small tx fee$0
Declined fee$0.60
Cashback0.00%
Cards
Card daily limit∞
Card monthly limit∞
Max active cards∞?
Virtual card (1st)$0
Virtual card (+)$10
Physical card$50 (no EU/UK shipping)
Cash
ATM fee$0 Sig / $1 + 0.65% Plat
ATM daily limit$250/day/card
ATM monthly limit—
Providers
Card issuerRain
Card BIN4549 24
Banking railsBridge
Payments
Visa
Mastercard
Apple Pay
Google Pay
Banking
ACH
SEPA
SEPA Instant
SWIFT
05 Rain · Bridge

Kast

Avg fee +2.05%
Kast card
Top-up chainsMulti-chain
CustodyCustodial
ATM limit$750/day/account ($250*3)
Get Kast card
Account
KYC
Self-custodial
Spend without selling
Tobacco (MCC 5993)
Funding
Top-up <1min
Top-up chainsMulti-chain
Top-up tokens—
Top-up fee0% on stablecoins / 2-5% else
Spending
Transaction fee0%
FX/Foreign fee0.50-1.75% (non-USD)
Small tx fee$0.10 on non-USD <$25
Declined fee$0.50
Cashback1.50-3.00%
Cards
Card daily limit∞
Card monthly limit∞
Max active cards10 total
Virtual card (1st)$0 (1st+2nd)
Virtual card (+)$2/year
Physical card$40
Cash
ATM fee2% + $3
ATM daily limit$750/day/account ($250*3)
ATM monthly limit—
Providers
Card issuerRain
Card BIN4549 24
Banking railsBridge
Payments
Visa
Mastercard
Apple Pay
Google Pay
Banking
ACH
SEPA
SEPA Instant
SWIFT
06 StraitsX

RedotPay

Avg fee +2.83%
RedotPay card
Top-up chainsMulti-chain
CustodyCustodial
ATM limit$3,750/day/card
Get RedotPay card
Account
KYC
Self-custodial
Spend without selling
Tobacco (MCC 5993)
Funding
Top-up <1min
Top-up chainsMulti-chain
Top-up tokens—
Top-up fee0%
Spending
Transaction fee1%
FX/Foreign fee1.20% (non-USD)
Small tx fee$0.20 on <$1 from 6/mo
Declined fee$0.50 from 4/mo
Cashback0.00%
Cards
Card daily limit$1M
Card monthly limit∞
Max active cards5 total
Virtual card (1st)$10
Virtual card (+)$10
Physical card$100
Cash
ATM fee2% below $10,000 / 3% above
ATM daily limit$3,750/day/card
ATM monthly limit$50,000/month/card
Providers
Card issuerStraitsX
Card BIN4937 24
Banking rails?
Payments
Visa
Mastercard
Apple Pay
Google Pay
Banking
ACH
SEPA
SEPA Instant
SWIFT
07 Rain

Cypher

Avg fee +4.36%
Cypher card
Top-up chainsEVM / SOL
CustodyCustodial
ATM limit$2,000/day/card
Get Cypher card
Account
KYC
Self-custodial
Spend without selling
Tobacco (MCC 5993)
Funding
Top-up <1min
Top-up chainsEVM / SOL
Top-up tokens—
Top-up fee0.50% on USDC / 1.00% else
Spending
Transaction fee0%?
FX/Foreign fee2.00-2.75% (non-USD)
Small tx fee$0?
Declined fee$0?
Cashback$CYPR
Cards
Card daily limit$10,000
Card monthly limit$30,000
Max active cards?
Virtual card (1st)$0 ($50 min top-up)
Virtual card (+)$10
Physical card$50
Cash
ATM fee3%
ATM daily limit$2,000/day/card
ATM monthly limit$10,000/month/card
Providers
Card issuerRain
Card BIN4549 24
Banking rails—
Payments
Visa
Mastercard
Apple Pay
Google Pay
Banking
ACH
SEPA
SEPA Instant
SWIFT
HOW

Methodology

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 we add.

Real Avg 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.

Disclosure

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