United States: spending in euros, X Money Card nets about $720 a year at $2,000 a month, with a 0% FX fee abroad.
Europe (EU/EEA): spending in dollars, Solid Card nets about $600 a year at $2,000 a month, with a 0% FX fee abroad.
United Kingdom: spending in euros, Ether.fi Cash nets about $360 a year at $2,000 a month, with a 0% FX fee abroad.
Every card is scored by estimated net annual value at $2,000 a month of spending, all of it in a foreign currency (euros for US readers, dollars for European readers, euros for UK readers), on the tier you get without staking or a paid upgrade, after annual fees, conversion costs and the card's published FX fee. A card that bills in the currency you are spending pays no FX fee, so FX is modelled from each card's published billing currencies. Only cards whose provider publishes both its FX fee and its conversion cost are ranked; the rest are listed below each table as not ranked. ATM fees are shown as published but not scored. Figures are in US dollars so cards can be compared across guides; the ranking spend of $2,000 a month is the same on every regional guide.
| Rank | Card | FX fee abroad | Realistic cashback | ATM | Est. net value (per year) |
|---|---|---|---|---|---|
| 1 | X Money Card | 0% | 3% | $0 (X-side) | $720/yr |
| 2 | Aven Bitcoin Visa Card | 0% | 2% | Not published | $480/yr |
| 3 | Coinbase One (Amex) | 0% | 2% | Not published | $430/yr |
| 4 | Ether.fi Cash | 0% | 1.5% | Not published | $360/yr |
| 5 | Fold Credit Card | 0% | 1.5% | Not published | $360/yr |
| 6 | Gemini Credit Card | 0% | 1% | Not published | $240/yr |
| 7 | Lava Card | 0% | 1% | Not published | $240/yr |
| 8 | Venmo Credit Card | 0% | 1% | Not published | $240/yr |
| 9 | Solid Card | 2% | 3% | Not available (virtual card; no cash advances) | $120/yr |
| 10 | Fuse Card | 0% | 0% | Not supported (Fuse Cards cannot be used at ATMs) | $0/yr |
| 11 | Robinhood Gold Card Waitlist | 3% | 3% | Not published | -$50/yr |
| 12 | Tangem Pay | 1.5% | 1% | 4% (Basic) / 2% (Plus) / 1% (Prestige) | -$120/yr |
| 13 | Hyperbeat Card | 1% | 0.1% | $1+0.65% ($0.60 balance inquiry or decline) | -$216/yr |
| 14 | Avici Card | 1% | 0% | $1+0.65% (Platinum); $0 (Signature) | -$240/yr |
| 15 | Baanx / Ledger CL Card | 0% | 1% | 1.5% | -$240/yr |
| 16 | Exa Card | 1% | 0% | Not published | -$240/yr |
| 17 | Peanut Card | 1% | 0% | Not available (virtual card only) | -$240/yr |
| 18 | Tuyo Card | 1% | 0% | Not supported | -$240/yr |
| 19 | THORWallet Mastercard | 1.5% | 0% | $1 domestic, $5 international (Basic, Premium); not available on Swiss IBAN | -$360/yr |
| 20 | Rizon Card | 1.7% | 0% | $1 + 0.65% on every plan | -$408/yr |
| 21 | Uphold Card | 1.5% | 2% | US: $0 on Elite, $2.95 per withdrawal on Essential; UK: GBP 2.50 domestic, GBP 3.50 abroad | -$408/yr |
| 22 | Robinhood Platinum Card | 0% | 1% | Not published | -$455/yr |
| 23 | Avalanche Card | 2% | 0% | Not supported | -$480/yr |
| 24 | Wallbit Card | 2% | 0% | Not published | -$480/yr |
| 25 | Crypto.com US Credit Card | 3% | 0.75% | Not published | -$540/yr |
| 26 | Solayer Pay (formerly Emerald Card) | 1.5% | 0% | Not published | -$620/yr |
| 27 | BIX Card | 1% | 0% | $1 + 0.6% | -$960/yr |
| 28 | Trocador Prepaid Cards | 2% | 0% | Not published | -$1,200/yr |
Robinhood Gold Card: The card page asks new applicants to reserve a spot on a waitlist (source).
Blockchain.com Card, Coinbase Debit Card, Exodus Card, Fold Card, Laso Finance Card, MetaMask Card, Phantom Cash Card, Ripio Card, Spritz Card
| Rank | Card | FX fee abroad | Realistic cashback | ATM | Est. net value (per year) |
|---|---|---|---|---|---|
| 1 | Solid Card | 0% | 3% | Not available (virtual card; no cash advances) | $600/yr |
| 2 | OKX Card | 0% | 2% | Not published | $396/yr |
| 3 | Bleap Card | 0% | 1% | Free up to EUR 400/mo | $240/yr |
| 4 | Trade Republic Card | 0% | 1% | Free for withdrawals of EUR 100 or more; EUR 1 for each withdrawal below EUR 100 | $204/yr |
| 5 | Ether.fi Cash | 0% | 1.5% | Not published | $144/yr |
| 6 | Bitget Wallet Card | 0% | 2% | 1% (min $5), excluded from monthly 0-fee quota | $48/yr |
| 7 | Hyperbeat Card | 0% | 0.1% | $1+0.65% ($0.60 balance inquiry or decline) | $24/yr |
| 8 | Gnosis Pay Closing 20 Dec 2026 | 0% | 0% | 5 free withdrawals or EUR 200 a month, whichever comes first, then 2% per withdrawal | $0/yr |
| 9 | Rebind Card | 0% | 0% | Free up to €200/mo | $0/yr |
| 10 | Tuyo Card | 0% | 0% | Not supported | $0/yr |
| 11 | Wallbit Card | 0% | 0% | Not published | $0/yr |
| 12 | Bringin Card | 0% | 0% | Not published | -$38/yr |
| 13 | Uphold Card | 0% | 2% | US: $0 on Elite, $2.95 per withdrawal on Essential; UK: GBP 2.50 domestic, GBP 3.50 abroad | -$48/yr |
| 14 | Bitstack Card | 1% | 0.1% | Free up to €200/mo or 5 withdrawals; then min €1 or 1% | -$216/yr |
| 15 | Baanx / Ledger CL Card | 0% | 1% | 1.5% | -$240/yr |
| 16 | Bybit Card | 0.5% | 2% | Free up to €100/mo, then 2% | -$276/yr |
| 17 | Karta Card | 0% | 0% | 1.5% + 1 USDT | -$360/yr |
| 18 | Holyheld Card Invite only | 3% | 0.5% | ~2.5% | -$629/yr |
| 19 | Bit2Me Card | 2% | 0.125% | Spain free; Eurozone international €2.50; outside €0.55 + 1% | -$678/yr |
| 20 | Curve Card | 2.99% | 0% | 2% or £2 min (free on paid plans) | -$718/yr |
| 21 | BIX Card | 0% | 0% | $1 + 0.6% | -$720/yr |
| 22 | Plutus Card | 2.5% | 1.5% | 2.5% | -$723/yr |
Gnosis Pay: The card and web app stop working on 20 December 2026 (source).
Holyheld Card: Personal accounts are by invite only (source).
1inch Card, BingX Card, Bitpanda Card, Bitrefill Card, Bitsa Card, Bitwala Card, BloFin Card, Brighty Card, COCA Card, DeBLOCK Card, Exodus Card, Floki Card, Gate Card, Krak Card, KuCard, Mercuryo Spend Card, MetaMask Card, MiniPay Card, MoonAgents Card, Nexo Card, PEXX Card, Spritz Card, SwissBorg Card, Tap Global Card, Trustee Plus Card, UTORG Card, WhiteBIT Nova Card, xPortal Card, Young Platform Card
| Rank | Card | FX fee abroad | Realistic cashback | ATM | Est. net value (per year) |
|---|---|---|---|---|---|
| 1 | Ether.fi Cash | 0% | 1.5% | Not published | $360/yr |
| 2 | Jupiter Global Card | 1% | 2% | Not published | $240/yr |
| 3 | Lava Card | 0% | 1% | Not published | $240/yr |
| 4 | Solid Card | 2% | 3% | Not available (virtual card; no cash advances) | $120/yr |
| 5 | Gnosis Pay Closing 20 Dec 2026 | 0% | 0% | 5 free withdrawals or EUR 200 a month, whichever comes first, then 2% per withdrawal | $0/yr |
| 6 | Plasma One Card | 1% | 1% | Not published | $0/yr |
| 7 | Revolut Crypto Card | 0% | 0% | Free up to £200/mo, then 2% | $0/yr |
| 8 | SafePal Card | 0% | 0% | Not published | $0/yr |
| 9 | Uphold Card | 0% | 2% | US: $0 on Elite, $2.95 per withdrawal on Essential; UK: GBP 2.50 domestic, GBP 3.50 abroad | -$48/yr |
| 10 | KAST Card | 1.75% | 1.5% | $3 + 2% | -$60/yr |
| 11 | Pengu Card | 1.75% | 1.5% | $3 + 2% (USD ATM); $3 + 4% (non-USD); $250/withdrawal | -$60/yr |
| 12 | Baanx / Ledger CL Card | 0% | 1% | 1.5% | -$240/yr |
| 13 | Cashi Card | 1% | 0% | Not supported (virtual card) | -$240/yr |
| 14 | Payy Card | 1% | 0% | $0 PAYY fee; operator fees apply | -$240/yr |
| 15 | Peanut Card | 1% | 0% | Not available (virtual card only) | -$240/yr |
| 16 | Bitget Wallet Card | 1.7% | 2% | 1% (min $5), excluded from monthly 0-fee quota | -$360/yr |
| 17 | Fizen Card | 1% | 0% | $2 + 1.5% (first withdrawal up to $200/month currently free) | -$360/yr |
| 18 | Karma Card | 1% | 0% | Not published | -$360/yr |
| 19 | THORWallet Mastercard | 1.5% | 0% | $1 domestic, $5 international (Basic, Premium); not available on Swiss IBAN | -$360/yr |
| 20 | XPlace Card | 2% | 0.5% | Not published | -$360/yr |
| 21 | Kolo Card | 1% | 1% | Not published | -$468/yr |
| 22 | DPT Card | 2% | 0% | 2% + 0-1.75% FX surcharge (ATM operator fees may apply) | -$480/yr |
| 23 | Kem Infinity Card | 3% | 2% | Not published | -$480/yr |
| 24 | Wallbit Card | 2% | 0% | Not published | -$480/yr |
| 25 | RedotPay | 1.2% | 0% | 2-3% (2% up to $10k/mo) | -$538/yr |
| 26 | BenPay Card | 1.5% | 0% | Not published | -$600/yr |
| 27 | Oobit Card | 1.5% | 0% | Not published | -$600/yr |
| 28 | Tevau Card | 1.2% | 0% | 2% | -$648/yr |
| 29 | Keytom Card | 1.35% | 0% | 2% USD / 3.35% other currencies (min $0.66), plus ATM-operator fees | -$684/yr |
| 30 | Tria Card | 3% | 1.5% | Not published | -$702/yr |
| 31 | Curve Card | 2.99% | 0% | 2% or £2 min (free on paid plans) | -$718/yr |
| 32 | Based Card | 2.5% | 0% | Not published | -$720/yr |
| 33 | Plutus Card | 2.5% | 1.5% | 2.5% | -$723/yr |
| 34 | Goblin Card | 0% | 0% | 0% Goblin fee on the physical card (ATM operator fees still apply); 2% on the virtual Visa | -$840/yr |
| 35 | E Money Card | 3% | 0% | 2% Hong Kong / 1% overseas (E Money fee), plus a 1% Mastercard network fee (minimum HKD 50) | -$939/yr |
| 36 | Kripicard | 0% | 0% | Not published | -$960/yr |
| 37 | Freedomia Card | 2.5% | 0% | Not published | -$972/yr |
| 38 | SolCard | 2% | 0% | Not published | -$1,080/yr |
| 39 | Zypto Card | 1.75% | 0% | No Zypto markup; operator fees apply | -$1,140/yr |
| 40 | Agora Card | 1.5% | 0% | 2% (physical card only) | -$1,200/yr |
| 41 | Trocador Prepaid Cards | 2% | 0% | Not published | -$1,200/yr |
| 42 | MaxSwap Virtual Card | 0.6% | 0% | No ATM withdrawals (virtual card, spend only) | -$1,320/yr |
| 43 | Xapo Card | 0% | 0.2% | Not published | -$1,976/yr |
Gnosis Pay: The card and web app stop working on 20 December 2026 (source).
1inch Card, Bing Card, BYDFi Card, COCA Card, CoinW Card, Crypto.com Visa Card, Cryptomus Card, dtcpay Digital Treasures Card, Fiat24 Debit Card, Floki Card, GoMining Card, Kardpay, Krak Card, Laso Finance Card, LBank Card, MetaMask Card, MoonAgents Card, Nexo Card, OffGrid Cash, PEXX Card, Pinto Pay, Pionex Card, Rain Card, Sovrae Card, Spritz Card, SwissBorg Card, Tap Global Card, UPay Card, Wayex Card, Wirex Card, xKard
When a card is used to pay in a currency other than the card's own, the card network converts the amount. Visa and Mastercard each publish their conversion rates in an online calculator, and the rate used is generally the one in effect when the payment is authorized.
The card provider may bill at that network rate or at its own, and may add a fee of its own on foreign-currency transactions. That added charge is the foreign transaction fee, or FX fee, and each provider sets its own.
Inside the EU, a bank must charge the same for a card payment in euros anywhere in the EU as for an equivalent domestic payment, but a card provider can still charge a conversion fee when the payment is in another EU currency.
Card terminals and ATMs abroad sometimes offer to charge the card in its home currency instead of the local one. This is called dynamic currency conversion (DCC). When it is accepted, the merchant or ATM operator does the conversion at its own rate, and the Visa or Mastercard rate no longer applies.
Choosing the local currency leaves the conversion to the card network and the card provider. Visa requires a merchant or ATM offering DCC to show the amount in both currencies, the exchange rate and any markup, and Visa's rules say the merchant or ATM should let the cardholder decline. Declining does not stop the purchase or the withdrawal.
Some providers charge more for currency conversion on weekends than on weekdays, so the same conversion can cost more on a Saturday than on a Monday.
A cash withdrawal can carry two separate fees: one set by the card provider and one set by the machine's owner, charged directly or passed through by the card provider.
Rules differ by country. In the US, the ATM operator must disclose its fee at the machine itself. In Spain, the bank that owns the machine cannot charge the cardholder directly; it may charge the card issuer instead, which may pass the fee on, and the ATM is required to show any fee on screen before the cash is dispensed, with an option to cancel.
From the US, spending in euros, X Money Card nets about $720 a year at $2,000 a month, with a 0% FX fee abroad.
From Europe, spending in dollars, Solid Card nets about $600 a year at $2,000 a month, with a 0% FX fee abroad.
From the UK, spending in euros, Ether.fi Cash nets about $360 a year at $2,000 a month, with a 0% FX fee abroad.
It depends on the card. When a card is used to pay in a foreign currency, Visa or Mastercard converts the amount at its own rate, and the card provider may add its own foreign transaction (FX) fee on top. Some providers also charge more for conversion on weekends. Cards whose provider does not publish an FX fee or conversion cost are listed separately on this page as not ranked.
Paying in the local currency leaves the conversion to the card network and the card provider. Paying in your home currency, known as dynamic currency conversion, means the merchant or ATM operator converts the amount at its own rate, and the Visa or Mastercard rate no longer applies. Visa requires the rate and any markup to be shown before you accept, and declining does not stop the payment or withdrawal.