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Rewards calculator

What each card pays you back in a year, minus every fee: plan, FX, per-purchase, small-purchase and top-up. Pick where you live: a card that bills in your currency charges no FX fee at home. Then compare one card's tiers, or see one card line by line.

Where you live

Monthly card spend (USD)What you spend on the card each month

Currency split 80% in your own currency · 10% in US dollars online · 10% in other currencies Edit currency split

Your own currency80%Shops and bills at home. The rest of your spending.

US dollars online (%)Subscriptions and US shops

Travel and other currencies (%)Pays the card’s usual FX fee

Purchase sizes

20% of your spending in each of $200, $100, $50, $25 and $10 purchases

Count rewards at

Card

Which year

Year 2 onwards: yearly fees and ongoing rates only, no one-off fees or welcome offers.

Tiers

Include tiers that need staking, a token lockup or an invite

[ 2-card wallet ]One card is enough for money at this spend. Want lounges, yield, borrowing or a bank account too?Build your wallet

What each card leaves you with in a year, after fees
#	Card · tier	Rewards / yr	Plan and card fees / yr	FX cost / yr	Purchase fees / yr	You keep / yr	Notes
1	ether.fi Cash CardVIP	$480	$0	$0	$0	$480	Or hold 500,000 ETHFI
2	Tria CardMax	$720	−$250	$0	$0	$470
3	Ethena PayStandard	$480	$0	−$12.00	$0	$468
4	Coinbase One CardCoinbase One Card	$300	−$49.99	$0	$0	$250	Coinbase One membership and credit approval
5	Jupiter CardStandard	$240	$0	−$12.00	$0	$228
6	Krak CardKrak Card	$240	$0	−$12.00	$0	$228	Rate shown is the EEA/UK maximum
7	Bitget Wallet CardStandard	$240	$0	−$20.40	$0	$220
8	Nexo CardPlatinum	$240	$0	−$48.00	$0	$192
9	KAST CardStandard	$180	$0	−$24.00	−$2.40	$154
10	Plasma OneCore	$360	−$199	−$18.00	−$18.05	$125	Or hold 20,000 XPL
11	Bleap CardStandard	$120	$0	$0	$0	$120
12	COCA CardStarter	$120	$0	$0	$0	$120	FX fee not published
13	Exa CardUnited States	$120	$0	−$12.00	$0	$108
14	Bybit CardVIP 1 to 2	$240	$0	−$24.00	−$108	$108	Bybit VIP 1 or 2
15	Tangem PayBasic	$120	$0	−$18.00	$0	$102
16	MetaMask CardVirtual	$120	$0	−$24.00	$0	$96.00
17	Wirex One CardBase	$60.00	$0	$0	−$9.61	$50.39	Virtual card only
18	Avici CardPlatinum	$0	$0	$0	$0	$0	Cashback rate not published
19	Tuyo CardTuyo Card	$0	$0	−$24.00	$0	−$24.00	Cashback rate not published
20	Avalanche CardUnited States	$0	$0	−$24.00	$0	−$24.00	Cashback rate not published
21	Kolo CardKolo Card	$108	$0	−$16.20	−$120	−$28.20
22	Crypto.com Visa CardBasic	$0	$0	−$36.00	$0	−$36.00	Cashback rate not published · No subscription or CRO lockup
23	MEXC CardGlobal virtual	$0	$0	$0	−$120	−$120	Cashback rate not published
24	RedotPay CardVirtual card	$0	$0	−$14.40	−$120	−$134	Cashback rate not published
25	Karta.io CardKarta Personal	$0	$0	−$12.00	−$180	−$192	Cashback rate not published
26	Solayer CardMembership	$0	−$20.00	−$18.00	−$185	−$223	Cashback rate not published

Missing figures are counted as zero and flagged in the notes. Spending caps, spend bands and small-purchase limits are applied where the issuer publishes them. Top-up fees are worked out on everything you load, including the money that goes on fees. How the calculator works. To see one purchase line by line, try the swipe receipt.