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
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2% base · 3% when qualified
Only $200–$600 spend/month earns asset rewards; 3% requires new-user or spending eligibility.
- Foreign currency
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0.05%–0.2% conversion
Non-USD adds 1.7% at the Visa exchange rate.
- Issuance
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Free virtual card
Available APAC markets only; physical card costs extra.
Applications open；
Qualifying citizens or residents; residents require an employment pass and address evidence, subject to identity and card approval.
Partner link · we may earn a commission if you apply
- Issuance
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$49 including shipping
Requires a card account; charged to its balance.
- ATM withdrawals
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ATM 1% · minimum $5
Conversion, FX and operator charges may apply; no ATM access in Singapore.
- Rewards & conditions
-
2% base · 3% when qualified
Only $200–$600 spend/month earns asset rewards; 3% requires new-user or spending eligibility.
Applications open；
Qualifying citizens or residents; residents require an employment pass and address evidence, subject to identity and card approval.
Partner link · we may earn a commission if you apply
- 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
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Regular 1% fee · no extra FX markup
Campaign waivers are separate; Visa rates and small/failed-transaction charges apply.
- Issuance
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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
