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Card	Issuance	Monthly / annual	Spending feesConversion + FX	RewardsRate / cap / eligibility	EligibilityResidence & identity	Apple Pay	Google Pay	ATM withdrawals	Funding fees	Card format	Payment assets	Spending / ATM limits	Who holds funds	Apply / activate	Refunds / repayment	Usage limits
ether.fi CashCore international virtual Apply now May earn commission Card 1	First card $0 / $10 Regional quote; extra cards $10. Check before ordering. ether.fi Cash · Core international virtual Issuance First virtual card $0 or $10 by region The newer first-card fee FAQ lists AR, AO, BD, BO, CO, EC, ID, MY, MX, NG, PE, PH, ZA and TH at $10; the first card is normally free elsewhere. Additional cards after the allowance cost $10. An older limits page also lists HK, GB and SG as charged: check the regional Add Card quote before ordering. No physical card included.	No monthly / annual fee Interest and transaction fees separate. ether.fi Cash · Core international virtual Monthly / annual Core has no membership monthly or annual fee Core does not require a paid upgrade or asset threshold. Issuance, funding and FX costs are separate; borrowing interest is not covered by free membership.	No USD/EUR markup EUR beta; others ~1% + 0–0.5%, DCC separate. ether.fi Cash · Core international virtual Spending fees No FX markup for USD/EUR spend; other currencies about 1% + 0–0.5% Other currencies use Visa settlement rates with about 1% base FX cost plus 0–0.5% Core markup. Zero EUR markup is a beta rule for merchant charges actually denominated in EUR, whether funded by USDC or EURC; market currency conversion still applies. Merchant dynamic currency conversion (DCC) can add charges outside this exemption.	Up to 3% ETHFI First $2k/month standard or $800 equivalent EUR; 7-day lock, $5 claim. ether.fi Cash · Core international virtual Rewards Up to 3%, paid in ETHFI tokens Progressive calendar-month tiers: standard spend earns 3% on the first $2,000, 1% on the next $1,000 and 0.5% above $3,000. EUR spend uses USD-equivalent thresholds: 3% on the first $800, 1% from $800 to $1,500 and 0.1% above $1,500. USD and EUR share one monthly counter, not separate allowances. Rewards convert to ETHFI at clearing, lock for 7 days and require a manual claim of at least $5; token value fluctuates. ATM, transfers, taxes, gift cards, financial funding, rent, gambling and other excluded transactions earn no rewards; refunds reverse rewards.	Applications open · identity checks required Officially supported Cash jurisdiction; citizenship, identity and compliance conditions still apply. ether.fi Cash · Core international virtual Eligibility Applications open · identity checks required Officially supported Cash jurisdiction; citizenship, identity and compliance conditions still apply.	Yes Apple Pay supported Region, device and wallet verification apply. ether.fi Cash · Core international virtual Apple Pay Apple Pay supported Add card details in the device wallet and complete verification; a supported region, device and active card are required.	Yes Google Pay supported Region, device and wallet verification apply. ether.fi Cash · Core international virtual Google Pay Google Pay supported Add card details in the device wallet and complete verification; a supported region, device and active card are required.	No Separate physical card needed Physical ATM access not included. ether.fi Cash · Core international virtual ATM withdrawals ATM access requires a separate physical card This virtual-card entry does not include physical-card cash access. Official guidance lists ATM use as a physical-card feature, with separate issuance and withdrawal terms.	Onchain costs; bank route fees ACH $0.50 + 0.1%; expand for other routes. ether.fi Cash · Core international virtual Funding fees Onchain network costs apply; bank funding is route-priced Check the supported asset, network, address and transaction quote; network, protocol or bridge costs are not assumed free. Where available: USD ACH $0.50 + 0.10%; USD Wire/SWIFT $20 + 0.10%; EUR SEPA to USDC €0.90 + 0.15%, or to EURC €0.90. Other fiat routes, minimums and availability are shown in the deposit flow; route prices are not interchangeable.	Virtual Visa Physical card ordered separately. ether.fi Cash · Core international virtual Card format Visa Signature virtual credit card For online payments and supported mobile wallets. A Core physical plastic card is a separate purchase; membership tier and card form are distinct.	USDC / USDT / EURC and more Set eligible asset priority; regional restrictions apply. ether.fi Cash · Core international virtual Payment assets Direct Pay can use USDC, USDT, EURC and other supported account assets Choose eligible assets and order at Portfolio → Set Spend Priority. Guidance also lists liquidUSD, liquidEUR, liquidReserve and frxUSD, but availability is regional. Liquid is unavailable to US/UK residents or citizens; Liquid Reserve belongs to a specific US program. Use only assets and deposit networks permitted for the account; insufficient balance does not guarantee a successful payment from another asset.	Default $5,000/day Account default $10k/day and month; adjustable, balance/collateral apply. ether.fi Cash · Core international virtual Spending / ATM limits Default card daily limit $5,000; account daily/monthly limits $10,000 each These are adjustable defaults, not guaranteed maximum credit. Card and account limits both apply and the first reached blocks spend. Review or change them in Cash card Spending limits and Vault → Settings; changes may have a security delay. Direct Pay also depends on available balance; Borrow Mode depends on collateral ratios, protocol and account conditions.	Personal onchain account Spending permissions; borrowing liquidation risk. ether.fi Cash · Core international virtual Who holds funds Assets stay in a personal onchain account with spending permissions Cash connects a non-custodial wallet and Direct Pay uses available assets. Borrow Mode collateral can be liquidated as prices fall or interest accrues. Third National issues the Visa card but does not provide the protocol loan; onchain assets are not insured bank deposits.	Signup → Add Card → Virtual After verification, check the regional quote. ether.fi Cash · Core international virtual Apply / activate Sign up with ether.fi → Cash / Cards → Add Card → Virtual Confirm residence eligibility and complete verification, then review the Core first-virtual-card quote in Add Card before confirming. Obtain the card details, select a spending mode, fund the account and set limits; optionally add a mobile wallet. A physical order is not required.	Balance spend / secured borrowing Immediate loan interest; USDC refunds do not repay debt. ether.fi Cash · Core international virtual Refunds / repayment Direct Pay spends the balance; Borrow Mode accrues variable interest Borrowing accrues compound interest immediately with no interest-free grace period; check the live account APY before borrowing. Repay voluntarily; no scheduled monthly minimum does not remove collateral requirements. Refunds usually take 3–7 business days and may take 30, return as USDC and reverse rewards. A Borrow Mode refund does not automatically repay debt: repay manually or interest continues.	Borrowing is not an interest-free credit line ether.fi Cash · Core international virtual Usage limits Borrowing is not an interest-free credit line Falling collateral value or accrued interest can reduce available credit and trigger liquidation; Direct Pay is available without borrowing.
MetaMask CardVirtual App application guide Card 2	Free virtual card MetaMask Card · Virtual Issuance Free virtual issuance	No annual fee MetaMask Card · Virtual Monthly / annual No annual fee	1% cross-border fee Eligible stablecoin conversion 0–0.5% Other crypto 0.875%; gas extra MetaMask Card · Virtual Spending fees Foreign-merchant transactions 1%; asset conversion may add fees Non-US holders: local stablecoin conversion free; 0.5% when the stablecoin matches neither holder nor merchant currency (Argentina USD exception); other crypto such as wETH 0.875%. Mastercard exchange rates and gas also apply.	1% mUSD Eligible spend; claim; gas extra MetaMask Card · Virtual Rewards 1% mUSD on eligible purchases Claim in the Card rewards page; network gas may apply. Refunds and ineligible transactions do not earn rewards; Metal 3% terms do not apply.	Applications open · identity checks required Listed in the current signup regions; identity and card approval required. MetaMask Card · Virtual Eligibility Applications open · identity checks required Listed in the current signup regions; identity and card approval required.	Yes Supported MetaMask Card · Virtual Apple Pay Can be added to your mobile wallet Wallet region and device requirements apply	Yes Supported MetaMask Card · Virtual Google Pay Can be added to your mobile wallet Wallet region and device requirements apply	No Not supported Non-US virtual edition MetaMask Card · Virtual ATM withdrawals No ATM for non-US virtual cards US legacy virtual and Metal ATM terms do not apply to this variant	Free spending authorization On-chain gas applies; no minimum authorization amount MetaMask Card · Virtual Funding fees Free spending delegation; network gas applies No minimum delegation amount. Wallet funding, bridging and third-party purchases carry route-specific costs.	Virtual only; no plastic card shipped MetaMask Card · Virtual Card format Virtual only; no plastic card shipped	Linea / Base / Solana / Monad Specified assets per network; support is not interchangeable MetaMask Card · Virtual Payment assets Selected assets on Linea / Base / Solana / Monad Linea: mUSD, USDC, USDT, wETH, EURe, GBPe; Base/Solana: USDC, USDT; Monad: USDC. Select the funding wallet and asset; the same token name on another chain is not sufficient.	Up to $10,000/tx, $15,000/day Balance, authorization and risk limits apply; no ATM MetaMask Card · Virtual Spending / ATM limits Up to $10,000/transaction and $15,000/day Balance, delegation and risk controls also apply; non-US virtual cards have no ATM allowance	Funds stay in your wallet until payment Only approved assets can be spent; permissions adjustable MetaMask Card · Virtual Who holds funds Funds remain in your wallet until payment Only authorized assets can be spent; spending permissions can be adjusted. Keep your wallet and recovery credentials secure.	Apply in MetaMask Choose funding wallet and asset after approval MetaMask Card · Virtual Apply / activate MetaMask → Card → verification → funding wallet and asset After approval in a supported region, activate the virtual card and add it to a mobile wallet; no credit check	Refunds to card balance · withdrawable Merchant initiates; withdrawable in Card → Withdraw MetaMask Card · Virtual Refunds / repayment Request merchant refunds; disputes go to Crypto Life support Refund credits can be spent or withdrawn under Card → Withdraw. Freeze the card and review wallet permissions on suspicious activity.	Yield-bearing tokens have a separate conversion fee MetaMask Card · Virtual Usage limits Yield-bearing tokens have a separate conversion fee For assets such as aUSDC, the first $1,200/month converts free, then 0.5%; this does not waive all transaction charges
MEXC CardGlobal virtual Apply now May earn commission Card 3	$0 promotional issuance Normally $20; check waiver MEXC Card · Global virtual Issuance Currently $0 issuance under a limited waiver of the $20 standard fee No fixed waiver end date is published; confirm at application, not a permanent free-issuance promise.	No annual fee Small / failed transactions extra MEXC Card · Global virtual Monthly / annual $0 annual, inactivity and termination fees Global transactions below $1 cost $0.10; failed transactions cost $0.50 each when failure rate reaches 20%.	Regular purchase fee 1% Campaign waivers separate; no FX markup. Visa rates and small/failed fees apply. MEXC Card · Global virtual Spending fees Standard purchase fee 1%; no conversion fee or additional FX markup Visa FX rates apply; small/failed-transaction fees are separate. These are regular rates. Qualifying campaign waivers are separate, not a full-year free-fee promise.	4% · max 100 USDT/mo Standard actual M-Score ≥350 Month-end tier applies MEXC Card · Global virtual Rewards Standard 4%/100 USDT monthly; Premier 6%/300; Elite 10%/800 Requires actual M-Score 350–599, 600–799 or 800+, using month-end tier; trial tiers do not qualify. Eligible settled spending only, excluding disallowed merchants and refunds; paid to Spot on the next month’s 15th. Rewards may change with the program.	Applications open · identity checks required Only actual M-Score 600+ or approved partner-channel applicants qualify; Advanced KYC, address and issuer checks still apply. MEXC Card · Global virtual Eligibility Applications open · identity checks required Only actual M-Score 600+ or approved partner-channel applicants qualify; Advanced KYC, address and issuer checks still apply.	Yes Supported MEXC Card · Global virtual Apple Pay Apple Pay supported Add card details and verify; wallet name must match the cardholder, with supported region/device.	Yes Supported MEXC Card · Global virtual Google Pay Google Pay supported Add card details and complete verification; wallet name must match the cardholder.	No No ATM for virtual card Global virtual card; offline withdrawals excluded MEXC Card · Global virtual ATM withdrawals No ATM access for the virtual card This edition is the Global virtual card, without a physical card.	0 USDT card top-up fee Fund via Fiat balance; network and buy costs extra MEXC Card · Global virtual Funding fees No card top-up fee for USDT funding Network and crypto-purchase channel costs are separate; fund the card through your Fiat account.	USD Visa virtual card MEXC Card · Global virtual Card format USD Visa virtual card Online or supported mobile-wallet payments; excludes the separate MEXC APAC and ether.fi co-branded programs.	USDT funded via Fiat account Spot transfer or on-chain deposit; initial top-up MEXC Card · Global virtual Payment assets USDT → Fiat account → My MEXC Card → Deposit Transfer from Spot, deposit on-chain, or buy USDT through Quick Buy/P2P; verify network/address. Activation funding may be required and is returned if the application fails.	Max $80,000/tx · $1,000,000/day Max 100 tx/day, 2,500/mo; risk checks apply MEXC Card · Global virtual Spending / ATM limits Up to $80,000/transaction and $1,000,000/day 100 transactions/day, 2,500/month and 25,000/year; no fixed annual amount is listed, which does not imply unlimited spending.	USDT held in MEXC Fiat/card account Platform managed; insufficient balance declines MEXC Card · Global virtual Who holds funds USDT held in MEXC Fiat/card accounts managed by the platform Card funding is held in platform accounts, not a separately controlled wallet; insufficient funds can cause declines.	Apply for Global after Advanced KYC Real residence details; normally one card per type per identity MEXC Card · Global virtual Apply / activate Advanced KYC → Buy Crypto / More → MEXC Card → Global → Apply Supply identity, contact and actual residence details; deposit if required for activation, then link a wallet after approval. Normally one card of each type per verified identity.	Refunds 1–7 days · no fee Hotels up to 30d; clawback applies; dispute 90-120d MEXC Card · Global virtual Refunds / repayment Settlement usually 1–3 working days; no Global refund fee Settlement may take 30 days; refunds usually 1–7 days, up to 30 for travel/hotels. Rewards are clawed back. Freeze suspicious cards and contact merchant/support; duplicate-charge disputes within 90 days, fraud within 120.	October campaign advertises purchase-fee waivers MEXC Card · Global virtual Usage limits October campaign advertises purchase-fee waivers Campaign eligibility applies, not every account or transaction. Annual estimates retain the regular 1%, without annualizing the waiver. Issuance offers are separate.

Monthly spend · USD equivalent Merchant charge currency Estimate period

Issuance, ongoing and purchase fees only; rewards not deducted. Estimate scope

Issuance, ongoing and spending fees, and their subtotal for each card, in USD
Card	Three-fee subtotalUSD · First year	Spending / year	Ongoing / year	Issuance	Assumptions
ether.fi CashCore international virtual	—Issuance quote unconfirmed	$0	$0	—	Full fee terms ether.fi Cash · Core international virtual Core, existing USDC and Direct Pay. First-card fees depend on the regional quote; EUR beta terms are not projected for a full year. help.ether.fi · 2026-09-28 help.ether.fi · 2026-09-28 help.ether.fi · 2026-09-28 Full fee terms →
MetaMask CardVirtual	—Spending rate not estimable	—	$0	$0	Full fee terms MetaMask Card · Virtual Spending fees depend on region, payment assets or transaction conditions; no single rate is used. Full fee terms →
MEXC CardGlobal virtual	—Issuance quote unconfirmed	$120	$0	—	Full fee terms MEXC Card · Global virtual Projects the Global regular 1% purchase fee for 12 months; October and other temporary waivers are not annualized. No extra FX markup. Excludes Visa rate differences, the $0.10 fee on purchases below $1, failed-transaction fees and funding costs. Issuance waiver has no fixed end date: confirm the quote; no first-year subtotal. Later-year estimates exclude issuance. www.mexc.com · 2026-10-04 Full fee terms →

Assumes a funded balance and current regular rates over 12 months. Excludes funding/network costs, ATM, exchange-rate differences, merchant surcharges and special-transaction fees. Temporary offers are not projected for a full year. “—” means unconfirmed or unsuitable for projection, not free. Ranges retain rate differences. No first-year subtotal where the regional issuance price is unclear. This is not a best-price ranking.