Compare what each card costs or earns you in a year at your own spending, including caps, tiers and token price risk.
Best value at your spending
+$52.80
Bybit Card (Asia Pacific) leaves you $189.83 better off per year than Crypto.com Visa Card (Europe) at your spending.
FX markup 1.2% · top-up 1% · Safety check
FX markup 2% · top-up 0.9% · Safety check
Rewards on higher tiers depend on a Level Up plan. Those rates are not yet in our data.
FX markup 2% · top-up Not disclosed · Safety check
Your monthly spend and ATM use are turned into yearly totals and converted to US dollars at the current exchange rate. Every fee is then applied from the card’s published schedule.
Top-up and conversion fees apply to everything you load, including cash you later withdraw. Spending fees apply to purchases. The FX markup applies only to the share of spending in a foreign currency.
ATM fees follow each card’s rule: a percentage on the amount above the free monthly allowance, plus any fixed fee per withdrawal. Some cards waive the fixed fee while you stay inside the allowance, and the calculator follows that rule where it applies.
Cashback uses the rate of the tier you are on, limited by any monthly spend cap and monthly reward cap. When cashback is paid in a token, the reward is adjusted by the token price change you choose.
Tiers that need a stake add a staking result: the change in the staked token’s value, minus the return that money could have earned elsewhere at your opportunity-cost rate. Subscription tiers add the monthly fee to fixed costs.
Net value is cashback plus the staking result, minus every fee. When a card does not disclose a fee, that line shows “Fees not disclosed” and the net figure is shown as a best case that counts the unknown as zero.
Crypto cards advertise cashback first and fees second. The headline rate is easy to compare, but the real cost of a card depends on how you use it.
Someone who spends mostly in their home currency and never visits an ATM pays a very different price from a frequent traveller who withdraws cash every week. A yearly view with your own numbers is the fairest way to compare cards.
Most crypto cards hold a fiat balance behind the scenes. When you spend crypto, the issuer converts it first and may charge a conversion fee on that step.
This fee applies to every dollar you load, so on a high-spend card it often outweighs everything else. A card with a modest conversion fee and no cashback can end up cheaper than one with generous cashback and a higher fee.
The FX markup is the extra percentage charged when you pay in a currency other than the card’s own. Card networks set the base rate, and the issuer adds its markup on top.
Some issuers charge different markups for different regions, or waive part of the markup up to a monthly limit. The calculator uses the published rate for the card version it shows, and the card name says which region that is.
Many cards include a free ATM allowance each month and charge a percentage above it. Some also add a fixed fee per withdrawal.
The ATM operator can charge its own fee as well. That fee is set by the machine’s owner, not the card, so it is outside the calculation.
Cashback rates look simple until the caps apply. A card might pay a high rate but stop after a small monthly reward, so heavy spenders earn the same as light ones.
Tiers work in three main ways. Some unlock with monthly spending, some need a token stake, and some need a paid subscription. The calculator treats each one on its own terms.
For spending tiers, it places you on the tier your monthly spend reaches. For stake and subscription tiers, it shows the monthly spend at which the higher tier starts to beat the base tier, or says that it never does below $100,000 a month.
Cashback paid in a card’s own token is worth what the token is worth when you sell it. The token price slider lets you test what happens if the token falls or rises over the year.
Staked tokens carry the same risk on a larger amount. A stake that unlocks a better cashback rate can still lose money if the token falls, and the calculator shows that loss next to the cashback it pays for.
Issuance fees are listed separately as a first-year cost, because they are paid once. Promotions, sign-up bonuses and merchant-specific offers are left out, since they change often and rarely apply to all spending.
Safety is separate from cost. A cheap card from an issuer with weak disclosures can still be the wrong choice for a large balance, so each card links to its safety check.
To see which cards you can get where you live, the card finder filters by country, KYC and features. Reviews such as the RedotPay review and the Bybit Card review cover how individual cards work day to day.