Credits Debit Card
Visa or Mastercard debit card with a euro IBAN in the Credits app, which combines banking, payments and a crypto wallet. Open to residents of 100+ countries; card and IBAN are free with regular use, otherwise €5 and €10 per month.
Base cashback
Max cashback
Base fee
$5/monthConditions apply: tap or hover for detailsShow source
FX fee
1%Conditions apply: tap or hover for detailsShow source
ATM fee
$3Show source
Card fee
$5Show source
Credit line
Staking needed
Tap a value for its source. * = conditions apply.
At a glance
Pros
- Apple Pay and Google Pay
Cons
- Monthly fee $5
- ATM fee $3
Good for
Not enough data to say.
Not for
Not enough data to say.
★ Our pickEditorial choice · score unchanged · Affiliate link
The card we recommend as an alternative to Credits Debit Card:
Crypto native · ether.fi
Why we recommend it
- 3% cashback in ETHFI on up to $2,000 of spend a monthConditions apply
- 5.35% variable interest on your balanceConditions apply
- No annual or monthly fee on the base tierConditions apply
- Extras on the base tier: airport lounge access, travel / rental car insurance, purchase protectionConditions apply
- Self-custody: funds stay in your own walletConditions apply
Conditions apply; the review lists them with sources.
All details
Fees6/15
- Monthly fee
$5/monthConditions apply: tap or hover for detailsShow source
Card maintenance; card and IBAN free with monthly use of the app
- Virtual card fee
$5Show source
- FX fee
1%Conditions apply: tap or hover for detailsShow source
Plus $0.10 per purchase
- Top-up fee
$0.32 + 1.25%Conditions apply: tap or hover for detailsShow source
Crypto top-ups
- ATM fee
$3Show source
- Other fees & markups
Apple Pay / Google Pay: $0.03 + 0.15% per transactionShow source
Not yet researched: Annual fee, Physical card fee, Replacement fee, Crypto conversion fee, Crypto withdrawal fee, Free ATM allowance, Transfer fee, Settlement fee, Small transaction fee.
Cashback & rewards0/14
No cashback & rewards data published or researched yet.
Credit & financing0/11
No credit & financing data published or researched yet.
Supported countries & currencies1/4
- Own IBAN / bank details
YesShow source
Not yet researched: Available in, Not available in, Account / spend currencies.
Features, wallets & supported assets4/11
- Apple Pay
YesShow source
- Google Pay
YesShow source
- Virtual card
YesShow source
- ATM withdrawals
YesShow source
Not yet researched: Physical card, Spend stablecoins, Airport lounge access, Travel / rental car insurance, Purchase protection, Spendable assets, Blockchains.
Security & custody0/3
No security & custody data published or researched yet.
Limits0/2
No limits data published or researched yet.
Product3/7
- Product status
ActiveShow source
- Card type
Debit cardShow source
- Network
Visa / MastercardShow source
Not yet researched: Custody model, Launch date, Card issuer / program manager, Tiers / plans.
Our rating
| Criterion | Weight | Score |
|---|---|---|
Fees Base-tier subscription ≈ €52/year · Per-transaction costs ≈ 1.81% | 20% | 72 |
Cashback & rewards | 20% | No data — excluded |
Availability | 15% | No data — excluded |
FX & international FX fee 1% | 10% | 60 |
Product features 4 of 4 known features available · 0 of 3 perks (lounge, travel insurance, purchase protection) | 10% | 70 |
Custody & security | 10% | No data — excluded |
Credit & financing | 5% | No data — excluded |
Limits & ATM ATM cost on €200 ≈ 1.3% | 5% | 74 |
Transparency 4 of 4 checked key terms disclosed | 5% | 100 |
Data coverage 50%. Criteria without published data are excluded and their weight is filled with a neutral midpoint, so missing data neither helps nor hurts a card. This score is provisional: it is based on initial research that our research agent has not yet re-verified.
Computed by a fixed formula; affiliate relationships have no influence. How we score
FAQ
Does Credits Debit Card have an annual or monthly fee?
Base tier: $5/month (Card maintenance; card and IBAN free with monthly use of the app). Source: Credits.com.
What is the FX fee of Credits Debit Card?
1% (Plus $0.10 per purchase). Source: Credits.com.
Does Credits Debit Card work with Apple Pay and Google Pay?
Apple Pay: Yes. Google Pay: Yes.
Change history14 entries
- Product status recorded · 22 October 2026 · auto-approved
- Network recorded · 22 October 2026 · auto-approved
- Card type recorded · 22 October 2026 · auto-approved
- Monthly fee recorded · 22 October 2026 · auto-approved
- Virtual card fee recorded · 22 October 2026 · auto-approved
- Top-up fee recorded · 22 October 2026 · auto-approved
- FX fee recorded · 22 October 2026 · auto-approved
- ATM fee recorded · 22 October 2026 · auto-approved
- Other fees & markups recorded · 22 October 2026 · auto-approved
- Own IBAN / bank details recorded · 22 October 2026 · auto-approved
- Apple Pay recorded · 22 October 2026 · auto-approved
- Google Pay recorded · 22 October 2026 · auto-approved
- Virtual card recorded · 22 October 2026 · auto-approved
- ATM withdrawals recorded · 22 October 2026 · auto-approved