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Everyday spending, fees first
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.
Rewards & conditions
1% mUSD on eligible purchases
Claim in the rewards page; gas may apply. Refunds and ineligible transactions are excluded.
Custody
Funds stay in your wallet until payment
Only approved assets can be spent; you control spending permissions.
Foreign currency
1% cross-border merchant fee
Conversion and gas are extra: eligible stablecoins 0–0.5%; other crypto 0.875%.
Applications open ；
Listed in the current signup regions; identity and card approval required.
Rewards & conditions
1% on eligible crypto spending
Stablecoins, EUR and metals excluded; merchant restrictions apply and asset sales incur trading fees.
Foreign currency
€0 extra non-EUR transaction fee
Network conversion rates and asset trading fees still apply.
ATM withdrawals
Physical ATM access, up to €500/day
2%, minimum €2; ATM operator and asset conversion costs are extra.
Applications open ；
Eligible euro-area residents excluding Cyprus; Bankident verification is not accepted for ordering. Account and card approval required.
Foreign currency
No added FX markup
Mastercard rate applies; cross-asset spending still carries a variable spread.
Rewards & conditions
0%–2% by asset tier
30-day average €200 unlocks 0.5%; €50,000 unlocks 2%. Choose fiat or BTC.
ATM withdrawals
No Krak ATM fee
Maximum €4,800/month; operator fees and asset-conversion spread are separate.
Applications open ；
Qualifying residents of this regional program, subject to account and card approval.
Rewards & conditions
2% cashback · €50 monthly cap
Eligible USDG purchases only, paid in USDG; VIP has separate tiers.
Foreign currency
0.1% conversion spread
No extra FX markup; Mastercard rates still apply outside EUR.
Issuance
Free virtual issuance
Eligible European residents only, subject to card approval.
Applications open ；
Qualifying EU/Norway residents; requires an OKX Europe account, in-app availability and issuer approval.
Rewards & conditions
4% at qualifying M-Score tier
Base tier requires score 350, capped at 100 USDT/month; 6%/10% require higher actual tiers.
Foreign currency
Regular 1% fee · no extra FX markup
Campaign waivers are separate; Visa rates and small/failed-transaction charges apply.
Issuance
Currently $0 · normally $20
Limited waiver with no published fixed end date.
Applications open ；
Global Card applications available; Advanced KYC, actual address and account/card approval required.
Partner link · we may earn a commission if you apply
