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Bit2Me Card vs Crypto.com Visa Card (EEA)

Bit2Me Card

Crypto native

5.6
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Crypto.com Visa Card (EEA)

Crypto native

6.1
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Verdict

  • Crypto.com Visa Card (EEA) scores higher overall (6.1 vs 5.6 out of 10).
  • Bit2Me Card is clearly stronger on: Cashback & rewards, Limits & ATM.
  • A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.

Bit2Me Card is a good fit for

  • No specific audience can be derived from the published data yet.

Stronger on: Cashback & rewards, Limits & ATM

Crypto.com Visa Card (EEA) is a good fit for

  • No specific audience can be derived from the published data yet.

★ Our pickEditorial choice · score unchanged · Affiliate link

Neither card is our pick. The card we recommend instead:

ether.fi Cash

Crypto native · ether.fi

8.1

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
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Review & sourcesBit2Me Card vs ether.fi CashCrypto.com Visa Card (EEA) vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionBit2Me CardCrypto.com Visa Card (EEA)
Fees8987
Cashback & rewards289
Availability–100
FX & international20–
Product features7070
Custody & security60–
Credit & financing3030
Limits & ATM8164
Transparency100100
Best for Cashback4.94.4
Best for Travel5.26.3
Best for DeFi Users5.44.9
Best for High Spenders4.74.2
Best for Low Fees7.27.6
Best for Beginners7.27.6

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
Prepaid cardShow source

Network

MastercardShow source
VisaShow source

Custody model

CustodialConditions apply: tap or hover for detailsShow source

Card spends a linked wallet on the Bit2Me exchange

No data yet

Card issuer / program manager

PECUNIA CARDS EDE, S.L.U. (Pecunpay), e-money institution supervised by the Bank of SpainShow source
Foris MT Limited (Malta)Show source

Tiers / plans

Space Center levels 0–7Show source
Basic (previously Midnight) · Plus (previously Ruby) · Pro (previously Jade/Indigo) · Private (previously Icy/Rose/Obsidian)Show source

Fees

Monthly fee

FreeShow source
FreeConditions apply: tap or hover for detailsShow source

Free tier; paid tiers from €3.99/month (€39.90/year) to €24.99/month, or unlocked via 12-month CRO staking

Physical card fee

€20Conditions apply: tap or hover for detailsShow source

Levels 0–2; €10 at level 3, €5 at level 4, free from level 5; plus €5 shipping outside Spain

€4.99Conditions apply: tap or hover for detailsShow source

Midnight/Basic tier; Ruby €24.99 or free depending on Level Up plan/stake

Virtual card fee

FreeShow source
No data yet

Replacement fee

No data yet
€45.01Conditions apply: tap or hover for detailsShow source

Midnight; other tiers €50

FX fee

2%Conditions apply: tap or hover for detailsShow source

Worldwide currencies; 1.75% for non-euro SEPA currencies, 0% in euro

No data yet

Crypto conversion fee

0.95%Conditions apply: tap or hover for detailsShow source

Paying from a linked crypto wallet; 0% from the euro wallet

No data yet

Top-up fee

No data yet
1%Conditions apply: tap or hover for detailsShow source

Only for top-ups with debit/credit card; minimum top-up €20

ATM fee

€0.55 + 1% (min. €0.75)Conditions apply: tap or hover for detailsShow source

Outside the eurozone; domestic €0 (up to €300 free), other eurozone countries €2.50; physical card only

2%Conditions apply: tap or hover for detailsShow source

Above the monthly free ATM limit; ATM provider surcharges may apply

Free ATM allowance

€300/monthShow source
€200/monthConditions apply: tap or hover for detailsShow source

Free tier, per month; €400 Ruby Steel, €800 Jade Green/Royal Indigo and Icy White/Rose Gold, €1,000 Obsidian

Other fees & markups

No data yet
Inactivity fee €6 per month after 12 months without card activity (€5 before 1 Oct 2026) · Account closure fee €50Show source

Cashback & rewards

Base cashback

No data yet
0%Conditions apply: tap or hover for detailsShow source

Free tier

Max cashback

7%Conditions apply: tap or hover for detailsShow source

Highest Space Center level; up to 39% combined with Bit2Me Earn (+7%) and Bit2Me Life merchants (+25%)

4.5%Conditions apply: tap or hover for detailsShow source

Highest tier; monthly caps apply by tier

Cashback paid in

B2MShow source
CROShow source

Cashback type

Platform tokenShow source
Platform tokenShow source

Max cashback per month

€300/monthConditions apply: tap or hover for detailsShow source

Level 7; €7.50 at level 1, none at level 0

No data yet

Cashback conditions

Cashback level depends on the Bit2Me Space Center level · Monthly cashback cap from €7.50 (level 1) to €300 (level 7); no cashback cap listed at level 0 · Minimum purchase €0.30Show source
No data yet

Staking / holding required for top rewards

No data yet
YesConditions apply: tap or hover for detailsShow source

Higher tiers via subscription or 12-month CRO staking

Staking asset

No data yet
CROShow source

Capital required for top rewards

No data yet
€450,000Conditions apply: tap or hover for detailsShow source

Obsidian tier (4.5%); 12-month lockup

Reward exclusions

No data yet
Certain merchant categories or channels are excluded from CRO RewardsShow source

Credit & financing

Credit line

NoShow source
NoConditions apply: tap or hover for detailsShow source

prepaid card, must be topped up

Availability

Available in

No data yet
EEAShow source

Account / spend currencies

No data yet
EURShow source

Features

Apple Pay

YesShow source
YesConditions apply: tap or hover for detailsShow source

EU: available; not available in UK or Bahrain

Google Pay

YesShow source
YesConditions apply: tap or hover for detailsShow source

EU: Google Wallet available, Samsung Wallet not available

Physical card

YesShow source
No data yet

Virtual card

YesShow source
No data yet

ATM withdrawals

YesConditions apply: tap or hover for detailsShow source

Physical card only

YesShow source

Airport lounge access

No data yet
NoConditions apply: tap or hover for detailsShow source

Not included on the entry tier (Midnight Blue); only higher tiers (Jade Green/Royal Indigo with annual subscription, capped 2x/year; Icy White/Rose Gold/Obsidian)

Limits

ATM limit

€300Conditions apply: tap or hover for detailsShow source

Per day; €3,000 a month

€2,000Conditions apply: tap or hover for detailsShow source

Daily; monthly €10,000, yearly €75,000; max 3 withdrawals per day

Spending limit

€2,500Conditions apply: tap or hover for detailsShow source

Per transaction and per day; €20,000 a month

€25,000Conditions apply: tap or hover for detailsShow source

Daily €25,000, monthly €25,000, yearly €250,000; card max balance €25,000

Security & custody

Regulation / licences

No data yet
Foris MT Limited: electronic money institution authorised by the Malta Financial Services Authority · Foris DAX MT Limited: MiCA crypto-asset service provider authorised by the MFSAShow source

Annual cost at 1,500 EUR/month

Bit2Me Card

  • Annual & monthly fees+0 EUR
  • FX costs−72 EUR
  • Crypto conversion–
  • ATM costs+0 EUR
  • Cashbackunknown
  • Net annual valuenot enough data

Crypto.com Visa Card (EEA)

  • Annual & monthly fees+0 EUR
  • FX costsunknown
  • Crypto conversion–
  • ATM costs+0 EUR
  • Cashback+0 EUR
  • Net annual valuenot enough data

Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers

More Bit2Me Card comparisons

More Crypto.com Visa Card (EEA) comparisons