Calculator
Real annual cost & net value
Gross rewards minus subscription, FX, crypto-conversion and ATM costs — computed from published base-tier terms. If a fee is not disclosed, the result says so instead of guessing.
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Calculator
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| Annual & monthly fees | Annual fee + 12 × monthly fee (base tier) | 0 EUR |
| FX costs | 2.99% × 12000 foreign spend | −359 EUR |
| Crypto conversion | Card does not spend crypto | – |
| ATM costs | fee on the rest; assumes one withdrawal per month | −48 EUR |
| Cashback | 0% base rate | 0 EUR |
Card issuance fee not disclosed / no data. Base tier only: no paid plan, staking or promotional rates.
| Annual & monthly fees | Annual fee + 12 × monthly fee (base tier) | 0 EUR |
| FX costs | FX fee not disclosed / no data | unknown |
| Crypto conversion | Conversion fee/spread not disclosed | unknown |
| ATM costs | ATM fee not disclosed / no data | unknown |
| Cashback | 2% base rate | 720 EUR |
Card issuance fee not disclosed / no data. Base tier only: no paid plan, staking or promotional rates.
| Annual & monthly fees | Not disclosed / no data | unknown |
| FX costs | 0% × 12000 foreign spend | 0 EUR |
| Crypto conversion | Conversion fee/spread not disclosed | unknown |
| ATM costs | ATM fee not disclosed / no data | unknown |
| Cashback | 1.5% base rate | 540 EUR |
Card issuance fee not disclosed / no data. Base tier only: no paid plan, staking or promotional rates.
| Annual & monthly fees | Annual fee + 12 × monthly fee (base tier) | 0 EUR |
| FX costs | 1.5% × 12000 foreign spend | −180 EUR |
| Crypto conversion | Conversion fee/spread not disclosed | unknown |
| ATM costs | fee on the rest; assumes one withdrawal per month | −32 EUR |
| Cashback | 2% base rate, capped at 107 EUR/month | 720 EUR |
Card issuance (one-time, not included in annual net value): 4 EUR. Base tier only: no paid plan, staking or promotional rates.
| Annual & monthly fees | Not disclosed / no data | unknown |
| FX costs | 1.5% × 12000 foreign spend | −180 EUR |
| Crypto conversion | Conversion fee/spread not disclosed | unknown |
| ATM costs | fee on the rest; assumes one withdrawal per month | −48 EUR |
| Cashback | 3% base rate, on max 1787 EUR/month | 643 EUR |
Card issuance (one-time, not included in annual net value): 45 EUR. Base tier only: no paid plan, staking or promotional rates. Cashback valued at payout; token rewards can lose value.
| Annual & monthly fees | Not disclosed / no data | unknown |
| FX costs | FX fee not disclosed / no data | unknown |
| Crypto conversion | Conversion fee/spread not disclosed | unknown |
| ATM costs | ATM fee not disclosed / no data | unknown |
| Cashback | 1% base rate | 360 EUR |
Card issuance fee not disclosed / no data. Base tier only: no paid plan, staking or promotional rates.
| Annual & monthly fees | Annual fee + 12 × monthly fee (base tier) | 0 EUR |
| FX costs | 0% × 12000 foreign spend | 0 EUR |
| Crypto conversion | Conversion fee/spread not disclosed | unknown |
| ATM costs | ATM fee not disclosed / no data | unknown |
| Cashback | 1% base rate | 360 EUR |
Card issuance fee not disclosed / no data. Base tier only: no paid plan, staking or promotional rates.
| Annual & monthly fees | Annual fee + 12 × monthly fee (base tier) | 0 EUR |
| FX costs | 0% × 12000 foreign spend | 0 EUR |
| Crypto conversion | Conversion fee/spread not disclosed | unknown |
| ATM costs | fee on the rest; assumes one withdrawal per month | −48 EUR |
| Cashback | 1% base rate | 360 EUR |
Card issuance fee not disclosed / no data. Base tier only: no paid plan, staking or promotional rates.
| Annual & monthly fees | Not disclosed / no data | unknown |
| FX costs | 0.5% × 12000 foreign spend | −60 EUR |
| Crypto conversion | 0.9% × 6000 crypto-funded spend | −54 EUR |
| ATM costs | First 100 EUR/month free, then fee on the rest; assumes one withdrawal per month | −24 EUR |
| Cashback | 1% base rate | 360 EUR |
Card issuance (one-time, not included in annual net value): 5 EUR. Base tier only: no paid plan, staking or promotional rates.
| Annual & monthly fees | Not disclosed / no data | unknown |
| FX costs | FX fee not disclosed / no data | unknown |
| Crypto conversion | Conversion fee/spread not disclosed | unknown |
| ATM costs | ATM fee not disclosed / no data | unknown |
| Cashback | 0.5% base rate | 180 EUR |
Card issuance fee not disclosed / no data. Base tier only: no paid plan, staking or promotional rates. Cashback valued at payout; token rewards can lose value.
| Annual & monthly fees | Annual fee + 12 × monthly fee (base tier) | 0 EUR |
| FX costs | 0% × 12000 foreign spend | 0 EUR |
| Crypto conversion | 0.1% × 6000 crypto-funded spend | −6 EUR |
| ATM costs | ATM fee not disclosed / no data | unknown |
| Cashback | 2% base rate, capped at 10 EUR/month | 120 EUR |
Card issuance (one-time, not included in annual net value): 0 EUR. Base tier only: no paid plan, staking or promotional rates.
| Annual & monthly fees | Annual fee + 12 × monthly fee (base tier) | 0 EUR |
| FX costs | 1.5% × 12000 foreign spend | −180 EUR |
| Crypto conversion | Conversion fee/spread not disclosed | unknown |
| ATM costs | fee on the rest; assumes one withdrawal per month | −96 EUR |
| Cashback | 1% base rate | 360 EUR |
Card issuance fee not disclosed / no data. Base tier only: no paid plan, staking or promotional rates.
| Annual & monthly fees | Annual fee + 12 × monthly fee (base tier) | 0 EUR |
| FX costs | 1.75% × 12000 foreign spend | −210 EUR |
| Crypto conversion | Conversion fee/spread not disclosed | unknown |
| ATM costs | fee on the rest; assumes one withdrawal per month | −80 EUR |
| Cashback | 1.5% base rate, on max 1787 EUR/month | 322 EUR |
Card issuance (one-time, not included in annual net value): 36 EUR. Base tier only: no paid plan, staking or promotional rates.
| Annual & monthly fees | Not disclosed / no data | unknown |
| FX costs | FX fee not disclosed / no data | unknown |
| Crypto conversion | Conversion fee/spread not disclosed | unknown |
| ATM costs | ATM fee not disclosed / no data | unknown |
| Cashback | No base cashback rate published (only 'up to' or none) | unknown |
Card issuance fee not disclosed / no data. Base tier only: no paid plan, staking or promotional rates.
| Annual & monthly fees | Annual fee + 12 × monthly fee (base tier) | 0 EUR |
| FX costs | 0% × 12000 foreign spend | 0 EUR |
| Crypto conversion | Conversion fee/spread not disclosed | unknown |
| ATM costs | ATM fee not disclosed / no data | unknown |
| Cashback | No base cashback rate published (only 'up to' or none) | unknown |
Card issuance (one-time, not included in annual net value): 0 EUR. Base tier only: no paid plan, staking or promotional rates.
| Annual & monthly fees | Annual fee + 12 × monthly fee (base tier) | 0 EUR |
| FX costs | FX fee not disclosed / no data | unknown |
| Crypto conversion | Conversion fee/spread not disclosed | unknown |
| ATM costs | ATM fee not disclosed / no data | unknown |
| Cashback | No base cashback rate published (only 'up to' or none) | unknown |
Card issuance fee not disclosed / no data. Base tier only: no paid plan, staking or promotional rates.
| Annual & monthly fees | Annual fee + 12 × monthly fee (base tier) | 0 EUR |
| FX costs | FX fee not disclosed / no data | unknown |
| Crypto conversion | Conversion fee/spread not disclosed | unknown |
| ATM costs | ATM fee not disclosed / no data | unknown |
| Cashback | 0% base rate | 0 EUR |
Card issuance fee not disclosed / no data. Base tier only: no paid plan, staking or promotional rates. Cashback valued at payout; token rewards can lose value.
| Annual & monthly fees | Not disclosed / no data | unknown |
| FX costs | 0% × 12000 foreign spend | 0 EUR |
| Crypto conversion | Conversion fee/spread not disclosed | unknown |
| ATM costs | First 715 EUR/month free, then fee on the rest; assumes one withdrawal per month | 0 EUR |
| Cashback | No base cashback rate published (only 'up to' or none) | unknown |
Card issuance fee not disclosed / no data. Base tier only: no paid plan, staking or promotional rates.
| Annual & monthly fees | Annual fee + 12 × monthly fee (base tier) | 0 EUR |
| FX costs | FX fee not disclosed / no data | unknown |
| Crypto conversion | Conversion fee/spread not disclosed | unknown |
| ATM costs | First 200 EUR/month free, then fee on the rest; assumes one withdrawal per month | 0 EUR |
| Cashback | No base cashback rate published (only 'up to' or none) | unknown |
Card issuance fee not disclosed / no data. Base tier only: no paid plan, staking or promotional rates.
| Annual & monthly fees | Annual fee + 12 × monthly fee (base tier) | 0 EUR |
| FX costs | FX fee not disclosed / no data | unknown |
| Crypto conversion | Card does not spend crypto | – |
| ATM costs | fee on the rest; assumes one withdrawal per month | −24 EUR |
| Cashback | No base cashback rate published (only 'up to' or none) | unknown |
Card issuance fee not disclosed / no data. Base tier only: no paid plan, staking or promotional rates.
| Annual & monthly fees | Annual fee + 12 × monthly fee (base tier) | −45 EUR |
| FX costs | 0% × 12000 foreign spend | 0 EUR |
| Crypto conversion | Conversion fee/spread not disclosed | unknown |
| ATM costs | ATM fee not disclosed / no data | unknown |
| Cashback | No base cashback rate published (only 'up to' or none) | unknown |
Card issuance fee not disclosed / no data. Base tier only: no paid plan, staking or promotional rates.
| Annual & monthly fees | Annual fee + 12 × monthly fee (base tier) | 0 EUR |
| FX costs | 0.43% × 12000 foreign spend | −52 EUR |
| Crypto conversion | Card does not spend crypto | – |
| ATM costs | First 250 EUR/month free, then fee on the rest; assumes one withdrawal per month | 0 EUR |
| Cashback | No base cashback rate published (only 'up to' or none) | unknown |
Card issuance (one-time, not included in annual net value): 8 EUR. Base tier only: no paid plan, staking or promotional rates.
| Annual & monthly fees | Annual fee + 12 × monthly fee (base tier) | 0 EUR |
| FX costs | 0.5% × 12000 foreign spend | −60 EUR |
| Crypto conversion | Card does not spend crypto | – |
| ATM costs | fee on the rest; assumes one withdrawal per month | −12 EUR |
| Cashback | No base cashback rate published (only 'up to' or none) | unknown |
Card issuance (one-time, not included in annual net value): 99 EUR. Base tier only: no paid plan, staking or promotional rates.
| Annual & monthly fees | Annual fee + 12 × monthly fee (base tier) | 0 EUR |
| FX costs | 1% × 12000 foreign spend | −120 EUR |
| Crypto conversion | Conversion fee/spread not disclosed | unknown |
| ATM costs | ATM fee not disclosed / no data | unknown |
| Cashback | No base cashback rate published (only 'up to' or none) | unknown |
Card issuance (one-time, not included in annual net value): 45 EUR. Base tier only: no paid plan, staking or promotional rates.
| Annual & monthly fees | Annual fee + 12 × monthly fee (base tier) | 0 EUR |
| FX costs | 1% × 12000 foreign spend | −120 EUR |
| Crypto conversion | Conversion fee/spread not disclosed | unknown |
| ATM costs | ATM fee not disclosed / no data | unknown |
| Cashback | No base cashback rate published (only 'up to' or none) | unknown |
Card issuance (one-time, not included in annual net value): 0 EUR. Base tier only: no paid plan, staking or promotional rates.
| Annual & monthly fees | Annual fee + 12 × monthly fee (base tier) | 0 EUR |
| FX costs | 2% × 12000 foreign spend | −240 EUR |
| Crypto conversion | Conversion fee/spread not disclosed | unknown |
| ATM costs | First 2000 EUR/month free, then fee on the rest; assumes one withdrawal per month | 0 EUR |
| Cashback | No base cashback rate published (only 'up to' or none) | unknown |
Card issuance fee not disclosed / no data. Base tier only: no paid plan, staking or promotional rates.
| Annual & monthly fees | Not disclosed / no data | unknown |
| FX costs | 1.2% × 12000 foreign spend | −144 EUR |
| Crypto conversion | 1% × 6000 crypto-funded spend | −60 EUR |
| ATM costs | fee on the rest; assumes one withdrawal per month | −48 EUR |
| Cashback | No base cashback rate published (only 'up to' or none) | unknown |
Card issuance (one-time, not included in annual net value): 89 EUR. Base tier only: no paid plan, staking or promotional rates.
| Annual & monthly fees | Not disclosed / no data | unknown |
| FX costs | FX fee not disclosed / no data | unknown |
| Crypto conversion | 0.95% × 6000 crypto-funded spend | −57 EUR |
| Per-transaction fees | 1% of all card spend (minimums ignored) | −360 EUR |
| ATM costs | fee on the rest; assumes one withdrawal per month | −60 EUR |
| Cashback | No base cashback rate published (only 'up to' or none) | unknown |
Card issuance fee not disclosed / no data. Base tier only: no paid plan, staking or promotional rates.
| Annual & monthly fees | Annual fee + 12 × monthly fee (base tier) | −893 EUR |
| FX costs | 0% × 12000 foreign spend | 0 EUR |
| Crypto conversion | 0.1% × 6000 crypto-funded spend | −6 EUR |
| ATM costs | First 89 EUR/month free, then fee on the rest; assumes one withdrawal per month | −27 EUR |
| Cashback | No base cashback rate published (only 'up to' or none) | unknown |
Card issuance fee not disclosed / no data. Base tier only: no paid plan, staking or promotional rates.
Net value = base cashback (respecting published spend caps) − annual & monthly fees − FX fee × foreign spend − conversion fee × crypto-funded spend − ATM fees beyond the free allowance. Paid tiers, staking boosts and promotions are excluded because they come with extra cost or risk. Token rewards are valued at payout.