Our pick69
Non-custodial, no annual fee: 1% back to start, up to 8% for COCA holders.
- Cashback
- 1% to 8%
- Annual fee
- Free
- FX fee
- 2%
Sign-up bonus: 8% cashback on your first 3 eligible card purchases, if you register in November 2026, complete KYC, fund the card and buy by 30 Nov 2026. No code needed
Our pick90
3% back even on the free tier, non-custodial, with lounge access.
- Cashback
- 3% to 4%
- Annual fee
- Free
- FX fee
- 0.5%
Sign-up bonus: 3% cashback on all purchases, from your first purchase (the same rate as the free Core tier)
Our pick61
2% back with no annual fee, up to 4%, and you keep your own funds.
- Cashback
- 2% to 4%
- Annual fee
- Free
- FX fee
- 2%
Sign-up bonus: $10 spend credit each after you spend $100 at 2+ shops within 14 days (not paid for Nigeria, Bangladesh or Kenya IDs); $200 each after $10,000 within 60 days