Anodos Card vs SafePal Mastercard
Crypto native
Crypto native
Verdict
- Anodos Card scores higher overall (6.6 vs 6.5 out of 10).
- Anodos Card is clearly stronger on: Credit & financing.
- SafePal Mastercard 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
Stronger on: Credit & financing
SafePal Mastercard is a good fit for
- Stablecoin holders
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 | SafePal Mastercard |
|---|---|---|
| Fees | 100 | 100 |
| Cashback & rewards | – | – |
| Availability | – | – |
| FX & international | 40 | 60 |
| Product features | – | 70 |
| Custody & security | 80 | – |
| Credit & financing | 75 | 30 |
| Limits & ATM | 56 | – |
| Transparency | 100 | 100 |
| Best for Travel | 5.7 | 6.6 |
| Best for Self-Custody | 7.3 | n/a |
| Best for DeFi Users | 7.2 | 6.0 |
| Best for Stablecoins | n/a | 7.2 |
| Best for High Spenders | 6.2 | 6.1 |
| Best for Low Fees | 7.8 | 8.3 |
| Best for Beginners | 7.3 | 7.5 |
| 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
MastercardShow source
Custody model
Self-custodyShow source
Card issuer / program manager
Third NationalConditions apply: tap or hover for detailsShow source
Issuer named in the card terms
SafePal and Fiat24 (jointly issued)Show 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
FreeShow source
FX fee
1.5%Conditions apply: tap or hover for detailsShow source
Freemium/Free tier; Pro 1.25%, Elite 1.00%
1%Conditions apply: tap or hover for detailsShow source
Card payments settled in non-USD currencies
Top-up fee
FreeConditions apply: tap or hover for detailsShow source
Standard deposit/top-up fee; crypto swaps carry a spread and gas fees
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%
Transfer fee
FreeConditions apply: tap or hover for detailsShow source
Transfers to external banks; other banks may charge
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
Refund processing fee 1 USD / 1 EUR / 1 CHF / 7 CNH per refund, depending on payment currency · Gas fees on blockchain transactionsConditions apply: tap or hover for detailsShow source
Gas fees: the page states all financial transactions are conducted on the blockchain, which will result in gas fees
Credit & financing
Credit line
YesConditions apply: tap or hover for detailsShow source
Secured by collateral
NoShow source
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
Account / spend currencies
USD · EUR · CHF · CNHShow source
Own IBAN / bank details
YesConditions apply: tap or hover for detailsShow source
Swiss IBAN via Fiat24
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
Spend stablecoins
YesConditions apply: tap or hover for detailsShow source
Crypto is topped up as USDC
Blockchains
Ethereum · Polygon · Optimism · ArbitrumConditions apply: tap or hover for detailsShow source
Supported Blockchains may be updated by the provider at any time
ArbitrumShow source
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
Spending limit
€5,000Conditions apply: tap or hover for detailsShow source
Per day; contactless 1,600 EUR per day
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
SafePal Mastercard
- Annual & monthly fees+0 EUR
- FX costs−36 EUR
- Crypto conversion–
- ATM costsunknown
- Cashbackunknown
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers