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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
Bitpanda CardEuro-area physical card App application guide Card 3	First card + delivery free Lost card: €5.90 replacement Bitpanda Card · Euro-area physical card Issuance First card and initial delivery are free Lost/damaged replacements cost €5.90; expired cards are replaced free. Shipping must match the registered residential address.	No monthly fee Trading / conversion / ATM extra Bitpanda Card · Euro-area physical card Monthly / annual No monthly fee Trading, asset conversion and ATM fees are separate.	€0 extra FX fee Visa rate; crypto trading fee extra Bitpanda Card · Euro-area physical card Spending fees €0 additional non-EUR card transaction fee Network conversion still applies and crypto trading fees are separate; merchant/ATM dynamic currency conversion may impose its own costs.	1% on eligible crypto spend Paid in spent crypto; excludes stablecoins, EUR, metals, stocks Bitpanda Card · Euro-area physical card Rewards 1% on eligible crypto-funded purchases Rewards use the crypto spent. Stablecoins including USDC/USDT, EUR, metals and stocks are excluded, as are transfers, taxes, utilities and other excluded merchant categories. Allow up to 15 business days for crediting.	Applications open · identity checks required Eligible euro-area residents excluding Cyprus; Bankident verification is not accepted for ordering. Account and card approval required. Bitpanda Card · Euro-area physical card Eligibility Applications open · identity checks required Eligible euro-area residents excluding Cyprus; Bankident verification is not accepted for ordering. Account and card approval required.	Yes Supported Bitpanda Card · Euro-area physical card Apple Pay Apple Pay supported Wallet and device requirements apply.	Yes Supported Bitpanda Card · Euro-area physical card Google Pay Google Pay supported Requires a device compatible with Google Wallet.	Yes： ATM 2% (min €2) · daily €500 Operator fee extra; asset-to-EUR fee separate Bitpanda Card · Euro-area physical card ATM withdrawals 2%, minimum €2 ATM operators may add charges; asset-to-EUR trading fees are separate. Daily withdrawal limit: €500.	Spend balance; trading fee on asset sale EUR balance debited directly; funding costs depend on route Bitpanda Card · Euro-area physical card Funding fees Spend account assets; asset sales incur platform trading fees Asset-sale quotes include trading fees, shown under Trade summary → Trade Fee; EUR is debited directly. Deposit minimums and coin/network fees are in Payment Methods and Limits; regulatory account limits may be lower.	Physical Visa debit · mobile wallet Bitpanda Card · Euro-area physical card Card format Physical Visa debit card with mobile-wallet support This entry covers the physical card only, not the separate virtual-only product. Complete a chip-and-PIN transaction before contactless use.	Platform crypto, metals and EUR Set primary & backup asset; entire tx switches Bitpanda Card · Euro-area physical card Payment assets Choose a main and fallback payment asset Supported crypto, metals and EUR balances can fund payments; other fiat cannot be selected directly. If the main asset is insufficient, the whole payment uses the fallback; otherwise it is declined.	Spend €10k/day · ATM €500/day Monthly spend €280k; contactless limit ~€50 Bitpanda Card · Euro-area physical card Spending / ATM limits €10,000 daily spending; €500 daily ATM withdrawals Published spending caps: €70,000/week and €280,000/month; minimum payment €1. Contactless is typically €50, varying by country. Check effective account limits in Card settings → Limits and Fees.	Bitpanda platform custody Auto-sells crypto and settles via EUR e-money Bitpanda Card · Euro-area physical card Who holds funds Funds are held in the Bitpanda platform account The platform sells assets and settles from the EUR e-money wallet. Transact Payments Malta Limited issues the card; this is not direct spending from a personal onchain wallet.	Apply via App Profile → Card Delivery up to 20 workdays; activate with CVV Bitpanda Card · Euro-area physical card Apply / activate Apply under Profile → Card in the Bitpanda app Complete verification, check name and residential address, select payment assets and order. The help page allows up to about 20 business days for delivery; activate the physical card using its CVV.	Sells to EUR · refunds return EUR Refunds credited as EUR, not repurchased crypto Bitpanda Card · Euro-area physical card Refunds / repayment Assets sell to EUR; refunds return to the EUR wallet Preauthorisation sells assets and may hold EUR for up to 30 days. Refunds, less applicable fees, return as e-money rather than the original crypto quantity. Related rewards may be reversed; any negative balance must be covered promptly.	Rewards and trading costs are separate · Main payment asset must not consist exclusively or predominantly of e-money Bitpanda Card · Euro-area physical card Usage limits Rewards and trading costs are separate Stablecoin spending does not earn 1%. Price moves and asset sale costs affect the outcome; refunds do not restore the original crypto quantity. · Main payment asset must not consist exclusively or predominantly of e-money Product terms section 2.2 imposes this restriction; support for EUR payments does not make this an unrestricted fiat-only account.

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 →
Bitpanda CardEuro-area physical card	—Spending rate not estimable	—	—	—	Full fee terms Bitpanda Card · Euro-area physical card Spending fees depend on region, payment assets or transaction conditions; no single rate is used. 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.