savebackcards.com
DEEN

Bitpanda Card vs Gluon Card

Bitpanda Card

Crypto native

6.8
Get the card
Gluon Card

Crypto native

6.8
Get the card

Verdict

  • Bitpanda Card and Gluon Card have the same overall score (6.8/10).
  • Bitpanda Card is clearly stronger on: FX & international.
  • Gluon Card is clearly stronger on: Credit & financing, Limits & ATM, Transparency.
  • A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.

Bitpanda Card is a good fit for

  • Frequent travellers

Stronger on: FX & international

Gluon 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, Limits & ATM, Transparency

★ 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
Get the card
Review & sourcesBitpanda Card vs ether.fi CashGluon Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionBitpanda CardGluon Card
Fees100100
Cashback & rewards21–
Availability70–
FX & international10040
Product features7070
Custody & security7570
Credit & financing3075
Limits & ATM6078
Transparency86100
Best for Cashback5.2n/a
Best for Travel7.96.3
Best for Self-Custodyn/a7.0
Best for DeFi Users6.27.1
Best for High Spenders5.56.5
Best for Low Fees9.28.2
Best for Beginners7.57.7
Best Crypto Credit Cardn/a7.7

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
Credit cardShow source

Network

VisaShow source
VisaShow source

Custody model

CustodialConditions apply: tap or hover for detailsShow source

Platform-wide: Bitpanda holds customer crypto assets in custody as trustee (security page, not card-specific)

Self-custodyConditions apply: tap or hover for detailsShow source

collateral in linked wallets

Card issuer / program manager

Transact Payments Malta LimitedShow source
Third National (issuer); GL Worldwide Limited (program provider)Show source

Fees

Annual fee

FreeShow source
FreeShow source

Monthly fee

FreeShow source
No data yet

Physical card fee

FreeConditions apply: tap or hover for detailsShow source

First card and initial shipment free; every additional physical card costs EUR 10

No data yet

Replacement fee

€5.90Show source
No data yet

FX fee

0%Conditions apply: tap or hover for detailsShow source

No Bitpanda fee; Visa's own exchange-rate mark-up applies

1.5%Show source

ATM fee

2% (min. €2)Conditions apply: tap or hover for detailsShow source

Plus local ATM operator fees

$1 + 0.65%Conditions apply: tap or hover for detailsShow source

Cash advance fee

Other fees & markups

Visa FX mark-up applies on non-EUR transactions · Additional physical card EUR 10 · Lost/stolen card reorder EUR 9.90 (per FAQ)Show source
Late payment fee: 2% of the current outstanding card balance · Copying fee: $10.00 per copy of a transaction document or statement · Over-the-credit-line and returned payment fees: noneShow source

Cashback & rewards

Base cashback

1%Conditions apply: tap or hover for detailsShow source

On payments funded with crypto

No data yet

Max cashback

1%Show source
No data yet

Cashback paid in

BitcoinShow source
No data yet

Cashback type

CryptoConditions apply: tap or hover for detailsShow source

Paid in the crypto used for the purchase

No data yet

Cashback conditions

Purchase must be funded with a crypto asset as the selected payment assetShow source
No data yet

Staking / holding required for top rewards

NoShow source
No data yet

Reward exclusions

Payments funded with fiat (EUR) · Payments funded with Bitpanda Stocks · Payments funded with metals · Payments funded with stablecoins · Payments funded with other non-crypto assetsShow source
No data yet

Credit & financing

Credit line

NoShow source
YesShow source

Credit type

NoneShow source
Crypto-backed creditShow source

Collateral assets

No data yet
Digital assets (stablecoin or other forms designated by GLUON)Conditions apply: tap or hover for detailsShow source

GLUON designates which digital assets may be used

Interest (APR)

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

currently 0%; issuer may introduce interest for new purchases

Interest notes

No data yet
No interest charged on purchases; no interest chargeable to this Credit CardShow source

Grace period

No data yet
Payment due 21 days after the close of each billing cycleShow source

Repayment

No data yet
Statement-based; repayments initiated via preauthorized transfers from a linked account (opt-out possible)Show source

Liquidation risk

No data yet
YesShow source

Spend own balance directly

YesShow source
No data yet

Spend by borrowing against collateral

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

Collateral of USD market value equal to each dollar charged

Availability

Available in

Euro areaConditions apply: tap or hover for detailsShow source

Residents of euro-area countries with a verified account; not for users verified via Bankident

No data yet

Not available in

No data yet
BY, CN, CU, India, IR, IQ, Israel, MM, NP, NI, KP, RU, SY, Turkey, Ukraine, VE, VietnamConditions apply: tap or hover for detailsShow source

Cards cannot be issued to cardholders residing or registered there; FATF grey-list countries need case-by-case approval

Account / spend currencies

EURShow source
No data yet

Features

Apple Pay

YesShow source
YesShow source

Google Pay

No data yet
YesShow source

Physical card

YesShow source
YesShow source

Virtual card

No data yet
YesShow source

ATM withdrawals

YesShow source
No data yet

Spendable assets

All cryptocurrencies listed on Bitpanda · All precious metals listed on Bitpanda · EURConditions apply: tap or hover for detailsShow source

Bitpanda Crypto Indices excluded; other fiat currencies not supported; page also says 600+ crypto assets

No data yet

Blockchains

No data yet
Ethereum · Polygon · Optimism · ArbitrumShow source

Limits

ATM limit

€500Conditions apply: tap or hover for detailsShow source

Per day

No data yet

Spending limit

€10,000Conditions apply: tap or hover for detailsShow source

Per day; weekly EUR 70,000, monthly EUR 280,000

No data yet

Security & custody

Regulation / licences

Transact Payments Malta Limited: regulated by the Malta Financial Services Authority as a Financial InstitutionConditions apply: tap or hover for detailsShow source

Card issuer licence

No data yet

Smart-contract risk

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

Collateral held in smart contracts on supported blockchains

Annual cost at 1,500 EUR/month

Bitpanda Card

  • Annual & monthly fees+0 EUR
  • FX costs+0 EUR
  • Crypto conversion–
  • ATM costs−24 EUR
  • Cashback+180 EUR
  • Net annual value156 EUR

Gluon Card

  • Annual & monthly fees+0 EUR
  • FX costs−54 EUR
  • Crypto conversion–
  • ATM costs−19 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

More Bitpanda Card comparisons

More Gluon Card comparisons