Yearly cost at three spending levels
| Monthly spend | Binance Card | Bitget Wallet |
|---|---|---|
| $500 | -$20.40 Tier 2 | ≥ -$99.60 Base |
| $2,000 | -$386.40 Tier 3 | ≥ -$398.40 Base |
| $5,000 | -$398.40 Tier 3 | ≥ -$996 Base |
Yearly cost: conversion, FX, ATM and fixed fees minus cashback. A minus sign means cashback outweighs fees. US dollars, 20% foreign spending, one $200 ATM withdrawal a month. The card cost calculator runs the same comparison with your own habits.
Where the money goes at $2,000 a month
| Line | Binance Card Tier 3 | Bitget Wallet Base |
|---|---|---|
| Top-up and conversion fees | $237.60 | $0 |
| Spending fees | $0 | $0 |
| Foreign exchange markup | $96 | $81.60 |
| ATM fees | $0 | Not disclosed |
| Annual, monthly and subscription fees | $0 | $0 |
| Cashback | -$720 | -$480 |
| Yearly cost | -$386.40 | -$398.40 |
Fees
Binance Card charges 0.9% to convert or top up and 2% on spending in a foreign currency. Bitget Wallet charges 0% and 1.7%.
The conversion fee applies to every dollar you load, so Bitget Wallet's lower rate matters most for everyday spending in your home currency. On $1,000 of spending, the gap is $9.
ATM withdrawals: Binance Card $1.50 after 2 free a month; Bitget Wallet no atm access (virtual card only).
A virtual card costs nothing with Binance Card and $0.10 with Bitget Wallet. A physical card costs $10 and an undisclosed fee. Neither card has an annual fee on its base tier.
Cashback and rewards
Binance Card cashback: 1.5% to 3%. Bitget Wallet cashback: 2% to 3%.
Binance Card tiers: Tier 1: 1.5%; Tier 2: 2% from $100 of monthly spend; Tier 3: 3%, capped at $100 a month from $1,000 of monthly spend.
Bitget Wallet tiers: Base: 2%; Booster: 3%.
Binance Card: Tiers updated on 1 June 2026. The tier you reach in a calendar month applies to all of that month's eligible spending, and cashback is paid by the 10th of the next month in USDC or BTC depending on your country. Brazil uses the same rates in BRL with a R$500 cap.
Bitget Wallet: Cashback (called assetback) is paid into your choice of Bitcoin, gold, USDC or tokenized US stocks. Small gas fees apply to on-chain transactions.
Availability and KYC
Binance Card is offered in 8 countries, including Australia, Mexico, Argentina and Brazil. Binance runs the card through its Global Program in "selected countries" and confirms eligibility at application. Its support pages name Australia, New Zealand, Mexico, Colombia, Peru and Armenia, plus some CIS countries it doesn't list, and separate programs in Argentina and Brazil. It isn't offered in the US, the UK or the EU.
Bitget Wallet is offered in 41 countries, including France, Germany, Ireland, Italy, Netherlands, Portugal, Spain, United Kingdom, Argentina and Brazil. This entry covers the virtual card issued through Immersve in the EEA, the UK and Latin America. Bitget Wallet also offers cards in Asia (DCS Card Centre, with a physical card), mainland China (Fiat24) and South Africa on different terms.
Binance Card needs full KYC and Bitget Wallet needs full KYC.
The card finder checks both cards against your country, KYC level and must-have features.
Limits, wallets and card types
Binance Card publishes a daily spending limit of $5,000 and a monthly limit of $15,000.
Bitget Wallet does not publish fixed spending or ATM limits.
Binance Card works with Apple Pay, and Bitget Wallet works with Apple Pay and Google Pay. Binance Card and Bitget Wallet issue a virtual card you can use straight away.
Custody and safety
Binance Card scores 61/100. Licensing: holds a licence or registration outside the tier-one list (Outside Brazil and Argentina, the card is issued by Immersve Limited, a New Zealand company (FSP1003031) and Mastercard Global Reach partner. In Brazil it is issued by Dock, a payment institution regulated by the Central Bank of Brazil). The card is issued through Immersve Limited. 2023-11-21: Binance pleaded guilty in the US to anti-money laundering and sanctions violations and agreed to pay more than $4 billion. Binance stopped offering new crypto-asset services in the EU from 1 July 2026 after withdrawing its MiCA application.
Bitget Wallet scores 65/100. Licensing: we could not confirm a licence for the card issuer on its own website. No incidents or enforcement actions found in the last 36 months. Bitget Wallet names its regional card issuers (Immersve for Europe and Latin America) but does not publish their licences on its card pages.
Full reports: Binance Card safety check and Bitget Wallet safety check.
About each card
Binance Card is a custodial Mastercard from Binance. It tops up with USDT, USDC, FDUSD, BNB, BTC, ETH, SOL, ADA, LINK and XRP.
Bitget Wallet Card (Europe and Latin America) is a self-custody Mastercard from Bitget Wallet (issued through Immersve). It tops up with USDC and USDT.
Which card fits you
Binance Card fits if
- Its fees and availability match your situation better on the table above.
Bitget Wallet fits if
- You want to keep crypto in your own wallet until each payment.
- You spend in foreign currencies often, since its FX markup is lower.
- Most of your spending is in your home currency, where its lower conversion fee counts most.
- You weigh licensing and fund segregation heavily, since it scores higher on our safety check.
Read more: Binance Card fees and details · Bitget Wallet fees and details · Binance Card review