Spending $1,000: where card costs differ
Fix the card edition, spending asset and merchant currency before comparing rates. Zero FX markup describes one cost, not free funding, conversion and settlement. The examples below explain fees before rewards; they are not final transaction quotes.
Reviewed
At a glance
Full comparison| Card edition | Foreign currency | Funding / conversion |
|---|---|---|
| Bitget Wallet CardAPAC virtual | 0.05%–0.2% conversion; non-USD adds 1.7% Conditions and fee detailsVisa exchange rates apply; USD purchases waive only the additional FX fee, not conversion. | No card top-up fee; network gas is extra Conditions and fee detailsPrefund the card and complete FOMO Pay Travel Rule information on first top-up. Unspent balance cannot be withdrawn back to the wallet. |
| ether.fi CashCore international virtual | No FX markup for USD/EUR spend; other currencies about 1% + 0–0.5% Conditions and fee detailsOther 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. | Onchain network costs apply; bank funding is route-priced Conditions and fee detailsCheck 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. |
| KAST CardStandard physical | USD spend 0%; non-USD FX 0.5%–1.75% Conditions and fee detailsRate varies by residence, transaction country and program. Non-USD purchases below $25 add $0.10. | Supported stablecoin deposits: no receiving fee, 1:1 USD credit Conditions and fee detailsSender network fees remain; non-stablecoin conversion varies by token. Bank deposits: ACH $2, FedWire $15, SWIFT $30; EUR SEPA 0.5%. |
USD purchases can still incur fees
For an approved Bitget Wallet APAC card already funded with enough balance, a $1,000 USD purchase under the terms reviewed on September 22, 2026 implies about $0.50–$2 in conversion charges at 0.05%–0.2%. No additional FX charge does not mean zero cost.
This estimates the purchase conversion charge only. Earlier crypto purchase spreads, transfer network fees, issuance and membership costs are outside it. Costs incurred before funding the card remain part of your total cost.
Non-USD purchases add another layer
For the same APAC card billed in SGD, assume the purchase principal equals $1,000 at Visa’s settlement rate. Its 1.7% FX markup is approximately $17. Applying both percentage charges separately to that principal gives an illustrative $17.50–$19 total. Actual fee bases, settlement and rounding can differ. No live SGD/USD rate is assumed.
ether.fi Core lists an approximately 1% base fee plus a 0–0.5% tier markup for other currencies. Its current EUR pilot waives FX markup on purchases actually billed in EUR, including payments from USDC or EURC. Currency conversion still occurs and merchant conversion charges are outside the waiver. This EUR rule does not apply to SGD.
Fixed fees matter on small purchases
KAST adds $0.10 to non-USD purchases below $25. For a qualifying non-USD purchase equivalent to $20 at settlement, its 0.5%–1.75% FX fee plus that fixed charge gives an illustrative $0.20–$0.45, or 1%–2.25% of the principal, before other costs and rewards.
For small subscriptions, check fixed and declined-payment fees first. For larger travel purchases, focus on FX markup, settlement rates and refund terms. Sorting a single percentage will miss these differences.