Binance Card vs Ripio Card
Crypto native
Crypto native
Verdict
- Binance Card and Ripio Card have the same overall score (4.9/10).
- Binance Card is clearly stronger on: FX & international, Product features, Limits & ATM.
- Ripio Card is clearly stronger on: Cashback & rewards.
- 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
Stronger on: FX & international, Product features, Limits & ATM
Ripio Card is a good fit for
- Everyday spenders who want cashback
Stronger on: Cashback & rewards
★ 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 | Ripio Card |
|---|---|---|
| Fees | 100 | 100 |
| Cashback & rewards | 8 | 41 |
| Availability | 3 | 3 |
| FX & international | 20 | 0 |
| Product features | 70 | 56 |
| Custody & security | 60 | 60 |
| Credit & financing | – | – |
| Limits & ATM | 87 | 20 |
| Transparency | 100 | 100 |
| Best for Cashback | 3.6 | 4.8 |
| Best for Travel | 4.8 | 3.3 |
| Best for DeFi Users | 5.5 | 5.9 |
| Best for Stablecoins | 5.7 | n/a |
| Best for High Spenders | 4.4 | 4.6 |
| Best for Low Fees | 7.8 | 6.3 |
| Best for Beginners | 6.5 | 6.5 |
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
Card type
Prepaid cardShow source
Network
VisaShow source
Custody model
CustodialConditions apply: tap or hover for detailsShow source
The provider holds the funds
CustodialShow source
Card issuer / program manager
Digipayments S.A.U. and Pomelo Fintech Services S.A.S. (co-issuers)Show source
Fees
Annual fee
FreeShow source
FreeConditions apply: tap or hover for detailsShow source
'Sem custo'
Monthly fee
FreeConditions apply: tap or hover for detailsShow source
No maintenance cost
Physical card fee
FreeConditions apply: tap or hover for detailsShow source
Issuance; 30 BRL if the physical card is cancelled within one year
FreeShow source
Replacement fee
€25Show source
R$9.99Conditions apply: tap or hover for detailsShow source
From the second reissue
FX fee
2%Conditions apply: tap or hover for detailsShow source
1–2% depending on the transaction
5%Conditions apply: tap or hover for detailsShow source
Applied by the partner on foreign-currency card purchases
ATM fee
$1.50Conditions apply: tap or hover for detailsShow source
After 2 free withdrawals per month
R$6.90Conditions apply: tap or hover for detailsShow source
Rede24Horas ATM, per operation
Other fees & markups
Selling a digital asset to pay a card purchase: Ripio charges a commission for the sale (amount not stated)Show source
Cashback & rewards
Base cashback
2%Conditions apply: tap or hover for detailsShow source
Paying with crypto; 0.5% paying with ARS
Max cashback
3%Conditions apply: tap or hover for detailsShow source
Up to; paid monthly into the Binance wallet
2%Conditions apply: tap or hover for detailsShow source
Promotional: 2% paid in USDT, ETH or BTC on purchases from balance in any digital asset, from 01/09/2024 until an end date Ripio will announce; 0.5% on purchases from BRL balance
Cashback paid in
BNBShow source
USDT, ETH or BTC (user's choice)Show source
Cashback type
CryptoShow source
Max cashback per month
R$500/monthConditions apply: tap or hover for detailsShow source
Monthly cashback limit
Staking / holding required for top rewards
YesConditions apply: tap or hover for detailsShow source
Rate depends on BNB holdings
Staking asset
BNBShow source
Reward exclusions
Funding of digital wallets, exchanges or other merchants · Misuse, fraudulent use or use contrary to the termsShow source
Availability
Available in
BrazilConditions apply: tap or hover for detailsShow source
Currently only Brazil
BrazilConditions apply: tap or hover for detailsShow source
Individuals 18+ resident and domiciled in Brazil
Features
Apple Pay
YesShow source
Google Pay
YesShow source
Physical card
YesShow source
Virtual card
YesShow source
YesShow source
ATM withdrawals
YesShow source
NoConditions apply: tap or hover for detailsShow source
No cash withdrawals unless expressly enabled
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
R$30,000Conditions apply: tap or hover for detailsShow source
Daily cumulative in-person purchases; e-commerce R$10,000 per day
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
Ripio Card
- Annual & monthly feesunknown
- FX costs−180 EUR
- Crypto conversion–
- ATM costs−14 EUR
- Cashback+360 EUR
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers