Binance Card vs Raycash Card
Crypto native
Crypto native
Verdict
- At least one of the two cards does not have enough published data for an overall score.
- Raycash Card is clearly stronger on: Custody & security.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Binance Card is a good fit for
- Stablecoin holders
Raycash Card is a good fit for
- People who want to keep control of their keys
Stronger on: Custody & security
★ 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 | Binance Card | Raycash Card |
|---|---|---|
| Fees | 100 | – |
| Cashback & rewards | 8 | – |
| Availability | 3 | – |
| FX & international | 20 | – |
| Product features | 70 | – |
| Custody & security | 60 | 80 |
| Credit & financing | – | – |
| Limits & ATM | 87 | – |
| Transparency | 100 | – |
| Best for Cashback | 3.6 | n/a |
| Best for Travel | 4.8 | n/a |
| Best for DeFi Users | 5.5 | n/a |
| Best for Stablecoins | 5.7 | n/a |
| Best for High Spenders | 4.4 | n/a |
| Best for Low Fees | 7.8 | n/a |
| Best for Beginners | 6.5 | 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
WaitlistShow source
Card type
Stablecoin cardShow source
Custody model
CustodialConditions apply: tap or hover for detailsShow source
The provider holds the funds
Self-custodyShow source
Fees
Annual fee
FreeShow source
Physical card fee
FreeConditions apply: tap or hover for detailsShow source
Issuance; 30 BRL if the physical card is cancelled within one year
Replacement fee
€25Show source
FX fee
2%Conditions apply: tap or hover for detailsShow source
1–2% depending on the transaction
ATM fee
$1.50Conditions apply: tap or hover for detailsShow source
After 2 free withdrawals per month
Cashback & rewards
Max cashback
3%Conditions apply: tap or hover for detailsShow source
Up to; paid monthly into the Binance wallet
Cashback paid in
BNBShow source
Staking / holding required for top rewards
YesConditions apply: tap or hover for detailsShow source
Rate depends on BNB holdings
Staking asset
BNBShow source
Availability
Available in
BrazilConditions apply: tap or hover for detailsShow source
Currently only Brazil
Account / spend currencies
USDCConditions apply: tap or hover for detailsShow source
Balance held as cUSDC
Features
Virtual card
YesShow source
ATM withdrawals
YesShow source
Spend stablecoins
YesShow source
Limits
Spending limit
R$25,000Conditions apply: tap or hover for detailsShow source
Per day (50,000 BRL per month); higher with further verification
Annual cost at 1,500 EUR/month
Binance Card
- Annual & monthly fees+0 EUR
- FX costs−72 EUR
- Crypto conversion–
- ATM costs−16 EUR
- Cashbackunknown
- Net annual valuenot enough data
Raycash Card
- Annual & monthly feesunknown
- FX costsunknown
- 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