I have 50+ crypto cards in my wallet. Personally KYC'ed, tested and reviewed - one by one. I’ll tell you which ones are worth it.
Big List of Crypto Cards →
Joined June 2023
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My Top Crypto Cards:
1️⃣ @Plasma - love the team, simple & efficient app
2️⃣ @KASTxyz - nice perks, lots of cashback promos
3️⃣ @RedotPay - supports many countries others don't
4️⃣ @useTria - incredibly generous fee structure
5️⃣ @ether_fi - non-custodial giant, big in LATAM
Runner Up's:
@coca_card @KoloHub @pionexpay @avici
My NEVER to use list:
❌ @NebeusWorld - buggy & high fees
❌ @cryptocom - high fx and boring app
❌ @coinbase - high fees and I'm over it
Here's my @wirexapp Card review.
💳: ★★☆☆☆
I dunno, I really wanted to like this card. But it somehow feels like an old corporate application, instead of a fun to use and easy to love app.
Other than that,
the Good:
- High Volume platform, trusted by many (Check Paymentscan)
- Up to 8% cashback (but entry level is 0.5% with $25 monthly cap, and to get 8% you will need to have a portfolio of at least $50k)
- Virtual Accounts in your name in EUR, USD and GBP. That's nice.
- 0% foreign exchange fee (but hm. Card is EUR-denominated, what if I have USDC on my account and spend in Dubai? Will it go USDC>USD>EUR>AED? I am confused, on whether fx will be applied or not.
the Bad:
- I don’t like the card being EUR-denominated, while many limits and reward caps are stated in USD, it’s all non-uniform and confusing.
- Physical Card is only available with $500+ deposit
- Limited geos supported, mainly EU-focused
- Built on debit-card rails, unlike most large crypto cards built on credit card rails.
- It's a Visa Classic, with no benefits from visa - unlike other cards who can offer free car rental insurance, discounted lounge access etc
- Poor customer service, well, at least my first impressions.
Overall, if you’re in EU, you will probably like this card. For me, primarily USDC user, I want to have USD-denominated card that’s built on credit card rails, not a debit card. That way more merchants accept it and I can use it to pre-auth hotels, car rentals, gas stations etc.
p.s. I am biased to not like Wirex too much, since I owned 2 of their Node Licenses, and when WirexOne launched, my nodes were deactivated and that was the end of me earning $WPAY.
HOW TO INCREASE CARD TRANSACTION VOLUME
- Get your users to receive salaries into your card app, so you'd have more predictable recurring volume.
And, include a copy-pasteable email to send to their employer.
Nice one, @wirexapp .
I love conversion optimization tricks like that.
Man, @0xVishnya, I also checked what it says on the merchant terminal, and
… it was gonna charge me
🚨9.99% foreign exchange fee,
IF I PICK THE WRONG OPTION!
Lesson learned: always pick the home currency you are spending at.
Here, I must pick AED while paying for coffee in Dubai with @RedotPay card.
Then Redotpay will charge their 1% fx and that’s it.
cryptonoshi retweeted
My wife picked USD at a terminal by accident, and this email came right after
That's @ether_fi looking out for your money
Terminal markups go up to 12%, and most people just tap the first button
Lazy signup link (to get $10):
plasma.org/download/NASH8Y
🇮🇳 CRYPTO CARDS for #India
..uff some countries have no good crypto cards available to them.
Here are 6 crypto cards that support India:
@KoloHub
@pionexpay
@BasedOneX
@JAM_Card_X
@NebeusWorld
@OnboardGlobal
The best ones are definitely @KoloHub and @pionexpay.
See the images for the fx fee comparison.
Here's my detailed comparison of fees and cashback:
cryptonoshi.com/crypto-cards…
Tbh, I was kinda giving up on @Nexo .
They are an old timer amongst crypto cards and I used to love them dearly.
But I am going to take a look at it again and update my review.
Thanks, @lechriss17 ✅
why do i even like @Nexo ?
@cryptonoshi asked me about it
so here goes
i’ve tested a LOT of crypto cards and Nexo is still one of the cards i keep using
here are 5 reasons why:
1. it works for my subscriptions
sounds basic but you’d be surprised how many crypto cards have problems with recurring payments
i’ve moved subscriptions like ChatGPT, Netflix to Nexo and they just work every month
2. the fees are reasonable
i don’t feel like I’m getting destroyed by conversion fees every time I use the card
for a card i use regularly, this matters way more to me than some flashy temporary perk
3. Apple Pay + Apple Watch
i barely carry physical cards anymore
Nexo works with both and I’ve literally spent an entire day paying only with my Apple Watch
simple but I love it
4. Debit + Credit Mode
this is still one of my favorite Nexo features
i can spend my assets directly or borrow against my crypto without selling it
and switching between the two is super easy
5. reliability
probably the most important one
after testing so many crypto cards, i learned that a long list of benefits means nothing if the card fails when i need it
Nexo has earned its place in my wallet simply by being a card I can rely on
that’s the 5 you asked for, @cryptonoshi
..What do I even like about @RedotPay card?
@lechriss17 asked me about it. He said:
"except is the first crypto card and still the biggest (because of marketing) fees are big, you pay for card, there is almost no benefits and definitely not the most user friendly app"
So here goes.
I rate Redotpay as #3 out of my Top 5 crypto cards.
1️⃣ They are excellent at serving Middle East market.
- Just check how many Arabic videos about Redotpay you will find on Youtube.
- They have Arabic in-app language, they have local currency payouts (offramp) for UAE, Egypt, Jordan, Morocco, Oman, Qatar, Saudi Arabia.
- For United Arab Emirates, even Dirhams onramp is available.
These countries are not served so well by most other crypto card apps. Language and local bank transfers are the make it or break it here.
2️⃣ In the same way, they are also excellent at serving LATAM. And other crypto-heavy and underserved regions.
- They have 16 languages for you to have a translated app version. That makes the experience so native and localized.
- 114 display currencies in which you can view your in-app balances. Trust me, ask a user from Pakistan if he loves the option to see it all in Pakistani Rupee. Oh yes, that makes the experience so nice.
- 39 offramp currencies. So I can send from USDC to my Turkish bank account and receive Turkish Lira in my home bank instantly.
- you get the point. Native and super localized. Some of those countries don't even have crypto cards available to them.
3️⃣ I like that they raised $100+ million in Series B, and they currently take 51% market share based on card transactions volume. (@Paymentscan)
- This absolutely makes me trust them easier with my money. Unlike some new shiny fee-free but obscure new apps on the market.
4️⃣ I love the easy eSIM option. I used to buy my SIMs at the airport upon arrival to a new country, or google for it and hope for the service to work.
- Redotpay's eSIM option covers many countries and i absolutely love how easy it now is for me to buy some data GBs to browse with, when I travel.
5️⃣ Since I am an old time crypto card user, I respect them by default, since they were one of the first and still going strong.
That's the 5 you asked for, @lechriss17 😉
