Anodos Card vs Picnic Card
Crypto native
Crypto native
Verdict
- Anodos Card scores higher overall (6.6 vs 6.5 out of 10).
- Picnic Card is clearly stronger on: FX & international.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Anodos Card is a good fit for
- People who want to keep control of their keys
- Users who need credit rather than a debit/prepaid card
Picnic Card is a good fit for
- People who want to keep control of their keys
- Frequent travellers
Stronger on: FX & international
★ Our pickEditorial choice · score unchanged · Affiliate link
Neither card is our pick. The card we recommend instead:
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.
Score by criterion
| Criterion | Anodos Card | Picnic Card |
|---|---|---|
| Fees | 100 | 100 |
| Cashback & rewards | – | – |
| Availability | – | 3 |
| FX & international | 40 | 88 |
| Product features | – | 70 |
| Custody & security | 80 | 80 |
| Credit & financing | 75 | – |
| Limits & ATM | 56 | 64 |
| Transparency | 100 | 100 |
| Best for Cashback | n/a | 6.0 |
| Best for Travel | 5.7 | 7.3 |
| Best for Self-Custody | 7.3 | 7.9 |
| Best for DeFi Users | 7.2 | 7.3 |
| Best for High Spenders | 6.2 | 6.8 |
| Best for Low Fees | 7.8 | 9.2 |
| Best for Beginners | 7.3 | 7.1 |
| Best Crypto Credit Card | 7.8 | n/a |
Conditions apply, e.g. only for the base tier, up to a monthly cap or in some countries. Tap a value with * (or hover over it) to see them.
Product
Product status
ActiveShow source
ActiveShow source
Card type
Debit cardShow source
Network
VisaConditions apply: tap or hover for detailsShow source
Card program issued under license from Visa; terms also define card networks generically as Visa or Mastercard
VisaShow source
Custody model
Self-custodyShow source
Self-custodyShow source
Card issuer / program manager
Third NationalConditions apply: tap or hover for detailsShow source
Issuer named in the card terms
Gnosis PayShow source
Tiers / plans
Freemium / Free · Pro · EliteShow source
Fees
Annual fee
FreeConditions apply: tap or hover for detailsShow source
Freemium/Free tier; Pro $99.90 per year (or $9.99/month), Elite $299.90 per year (or $29.99/month)
FreeShow source
Monthly fee
FreeConditions apply: tap or hover for detailsShow source
Freemium/Free tier; Pro $9.99 per month, Elite $29.99 per month
Virtual card fee
FreeShow source
FX fee
1.5%Conditions apply: tap or hover for detailsShow source
Freemium/Free tier; Pro 1.25%, Elite 1.00%
0.3%Conditions apply: tap or hover for detailsShow source
Purchases in currencies other than USD; approximate Visa conversion; Picnic fee itself 0%
ATM fee
$1 + 1.75%Conditions apply: tap or hover for detailsShow source
Freemium/Free tier, where ATM withdrawals are enabled; Pro $1.00 + 1.00%, Elite $1.00 + 0.75%
2%Conditions apply: tap or hover for detailsShow source
Per withdrawal beyond the monthly allowance; local ATM operator may charge its own fee
Free ATM allowance
$200/monthConditions apply: tap or hover for detailsShow source
Up to 5 withdrawals or US$ 200 per month, whichever comes first
Other fees & markups
Currency exchange fee for supported non-card currency conversion: 1.00% (Free tier; Pro 0.75%, Elite 0.50%) · Extra virtual Card fee: $20 per additional virtual Card (Free tier; Pro/Elite $10) · Extra virtual account fee: $20 per additional account (Free tier; Pro/Elite $10)Show source
Pix top-up and Pix withdrawal: 0% Picnic fee, but 0.3% to 0.5% versus the on-chain rateShow source
Credit & financing
Credit line
YesConditions apply: tap or hover for detailsShow source
Secured by collateral
Credit type
Crypto-backed creditConditions apply: tap or hover for detailsShow source
Secured by collateral held in a wallet on a Supported Blockchain
Interest (APR)
0%Conditions apply: tap or hover for detailsShow source
APR for purchases, U.S. consumer program
Interest notes
Late payment: 2% of the current outstanding card balance; no interest charged on purchasesShow source
Grace period
Payment due 21 days after the close of each billing cycleShow source
Liquidation risk
YesShow source
Availability
Available in
BrazilShow source
Features
Apple Pay
YesShow source
Google Pay
YesShow source
Virtual card
YesShow source
ATM withdrawals
YesConditions apply: tap or hover for detailsShow source
Where ATM withdrawals are enabled
YesConditions apply: tap or hover for detailsShow source
Physical card
Blockchains
Ethereum · Polygon · Optimism · ArbitrumConditions apply: tap or hover for detailsShow source
Supported Blockchains may be updated by the provider at any time
Limits
ATM limit
$5,000Conditions apply: tap or hover for detailsShow source
Monthly ATM withdrawal limit, Freemium/Free tier; Pro $10,000, Elite $15,000
Annual cost at 1,500 EUR/month
Anodos Card
- Annual & monthly fees+0 EUR
- FX costs−54 EUR
- Crypto conversion–
- ATM costs−32 EUR
- Cashbackunknown
- Net annual valuenot enough data
Picnic Card
- Annual & monthly fees+0 EUR
- FX costs−11 EUR
- Crypto conversion–
- ATM costs+0 EUR
- Cashbackunknown
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers