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.

5card options found

MetaMask CardVirtual

Debit · Mastercard

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.

Credit · Visa

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.

Partner link · we may earn a commission if you apply

Debit · Mastercard

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.

Debit · Mastercard

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.

Prepaid · Visa

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