See what each card pays back after every fee.
Hidden FX markups included: we find them by testing cards with real purchases.
All amounts in US dollars
Tria Card at your spend:$120.00 cashback−$20.83 card fees−$0.00 FX and other fees
How we got $99.17
What crypto cards really pay back
Short answer: At $2,000 a month in the US, Tria Card pays back the most after fees, spend caps and foreign exchange (FX): $99.17 a month, a real cashback rate of 5.0%. Outside the US the numbers change, because purchases in other currencies pay FX: in Australia, Tria Card still pays back the most at 3.1%, then Ethena Pay; in the EU, Tria Card pays back the most at 3.1%, then ether.fi Cash. Across the cards that pay cashback in the US, the average one advertises 3.9% and pays back 1.9%.
| Card | Plan | Advertised | Real cashback rate | Pays back a month |
|---|---|---|---|---|
| Tria Card | Max (Metal) | Up to 6% | 5.0% | $99.17 |
| ether.fi Cash | Core | Up to 4% | 3.0% | $60.00 |
| Tangem Pay | Basic | Up to 2% | 1.0% | $20.00 |
| XPlace | Silver | Up to 2% | 0.6% | $11.75 |
Self-custodial cards only (you hold the keys to your crypto). Set your own spend and country at the top of the page, or see every card.
From our tests
Every figure here starts from each card’s own terms. Then we check them with our own money: 992 purchases on 4 cards so far, each compared with the mid-market rate (the real exchange rate, with no markup). So far, all 4 cards we’ve tested cost more than they advertise.
- Tria Card
We paid 1.93% over the mid-market rate on non-USD purchases, against 1.50% published.
Since Tria's 0.5% fee began, 310 purchases
- ether.fi Cash
We paid 1.32% over the mid-market rate on non-USD purchases, against 1.00% published.
On Pinnacle, 73 purchases
- Plasma One
We paid 3.13% over the mid-market rate on AUD purchases, against 1.50% published.
In October, on Core, 3 purchases
- Ethena Pay
We paid 1.08% over the mid-market rate on AUD purchases, against 1.00% published.
In October, 4 purchases
How we test, and every result.
What changed lately
- ether.fi Cash · Terms updateFree ATM withdrawals on every tier
- ether.fi Cash · Terms updateAccount protection isn't live yet
- ether.fi Cash · Pays moreLounge passes paid back on Luxe and up
Every change we’ve logged, each with its date and source.
Questions people ask
Which crypto card pays back the most?
It depends on what you spend and where you live. At $2,000 a month in the US, Tria Card pays back the most after fees and FX: $99.17 a month. Change the spend or the country at the top of this page and the ranking there updates.
What is a real cashback rate?
It’s the cashback a card actually pays you, after its fees, spend caps, FX and the cost of any tokens you have to lock up, as a share of what you spend. Two cards can both advertise 4% and pay back very different amounts.
Do crypto cards charge FX fees?
Most do. FX, short for foreign exchange, is the cost of paying in a currency other than the card’s own, which is usually US dollars. Visa and Mastercard charge about 1% for the conversion, and most cards pass it on, including many that advertise 0% FX. Some add their own fee on top. Every figure on this site counts the FX for where you live.
Is cashback paid in stablecoins or the card’s own token?
It varies. Some cards pay in a stablecoin like USDC or USDT, so what you earn is meant to hold its value. Others pay in their own token, which can fall in price. Each card’s page says what it pays in.
Can I get a crypto card in the US?
Yes. These self-custodial cards take people in the US: Avici Card, ether.fi Cash, Oobit, Phantom Cash Card, Tangem Pay, Tria Card and XPlace. The ranking at the top of this page shows only the cards open where you live.
