Why 3% cashback may earn less than 3%
Check eligible purchases, reward-bearing spend and the payout asset before the percentage. These examples compare card-spend rewards for specific editions, without combining point valuations, deposit yields or referral bonuses.
Reviewed
At a glance
Full comparison| Card edition | Rewards & conditions | Ongoing fees |
|---|---|---|
| Bitget Wallet CardAPAC virtual | 2% base assetback; 3% for new or qualifying users Conditions and fee detailsEligible spending is capped at $200–$600 monthly by market, visible on Card cashback. The 3% tier requires $200 spend in SG/KR/JP/MY/TW/AU or $100 in VN/TH/PH, or new-cardholder eligibility; lasts this month and next. Claim 8 days after settlement. Choose USDC or tokenized assets such as WBTC, XAUt and stock tokens, not direct stock ownership. Refunds and excluded merchants do not qualify. | No monthly or annual fee Conditions and fee detailsConversion and foreign-currency charges still apply. |
| ether.fi CashCore international virtual | Up to 3%, paid in ETHFI tokens Conditions and fee detailsProgressive 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. | Core has no membership monthly or annual fee Conditions and fee detailsCore does not require a paid upgrade or asset threshold. Issuance, funding and FX costs are separate; borrowing interest is not covered by free membership. |
| KAST CardStandard physical | Standard 1.5%, at most $30/month Conditions and fee detailsOnly the first $2,000 eligible monthly purchases earn USD cashback; no Standard spending points. ATM excluded; regional and transaction exclusions apply. | Standard annual fee $0 Conditions and fee detailsInsufficient-balance declines cost $0.50; small non-USD purchases, FX and ATM fees are separate. |
Is the cap on spend or rewards?
KAST Standard pays 1.5% on the first $2,000 of eligible monthly spending, capping USD rewards at $30. On $4,000 of eligible monthly spend, that is an average 0.75% before fees. Standard does not include spending points, so do not add another tier’s points.
Bitget Wallet caps the amount of spending that earns rewards. Its official overview gives $200–$600 per month depending on market; check Card cashback for your limit. With a $600 cap, the 3% tier and fully eligible purchases, the maximum is about $18. With a $200 cap it is about $6.
Progressive rates need a stepped calculation
ether.fi Core’s standard ladder pays 3% on the first $2,000 each month, 1% on the next $1,000 and 0.5% above that. For $4,000 in eligible USD purchases only, with no refunds, the calculation is $60 + $10 + $5 = $75, an average 1.875%, rather than $120.
EUR purchases use lower thresholds measured in USD equivalent. USD and EUR share one monthly spend counter, so mixed-currency spending does not give you two full top-rate allowances. Rewards convert to ETHFI at clearing, lock for seven days and require a manual claim with at least $5 available. Token value can change.
Qualifying and receiving are separate
Bitget APAC starts at 2%. New users or those meeting their market’s monthly threshold unlock 3% for the current and following month: for example, $200 in Singapore or $100 in Vietnam. Refunds and excluded transactions do not count toward that threshold.
Bitget rewards become claimable eight days after settlement. USDC goes to the card balance; other assets go to the Rewards Account. Stock-linked rewards are tokenized assets rather than direct share ownership. Also consider whether you want that asset, can meet claim conditions and will incur fees larger than the reward.