Everyday spending, fees first

Compare issuance, conversion and ongoing costs.

An editorial candidate list, not a ranking. Order is not based on headline rewards or commissions.

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Rewards & conditions
Up to 3% · paid in ETHFI

First $2,000/month standard spend or $800 USD-equivalent EUR spend, then lower tiers; 7-day lock and $5 minimum claim.

Ongoing fees
No monthly / annual fee

Direct Pay has no borrowing interest; collateral-backed Borrow Mode accrues variable interest.

Foreign currency
No USD / EUR FX markup

EUR exemption is in beta; other currencies about 1% + 0–0.5%, with merchant DCC separate.

Applications open; Officially supported Cash jurisdiction; citizenship, identity and compliance conditions still apply.

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