Bitrefill Card vs vPay Card
Crypto native
Crypto native
Verdict
- vPay Card scores higher overall (6.8 vs 6.7 out of 10).
- vPay 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.
Bitrefill Card is a good fit for
- No specific audience can be derived from the published data yet.
vPay Card is a good fit for
- Frequent travellers
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 | Bitrefill Card | vPay Card |
|---|---|---|
| Fees | 100 | 100 |
| Cashback & rewards | 24 | 53 |
| Availability | 97 | – |
| FX & international | – | 100 |
| Product features | 70 | 70 |
| Custody & security | 70 | – |
| Credit & financing | 30 | – |
| Limits & ATM | – | – |
| Transparency | 100 | – |
| Best for Cashback | 5.3 | 6.3 |
| Best for Travel | 6.4 | 7.7 |
| Best for DeFi Users | 6.0 | 6.3 |
| Best for High Spenders | 4.8 | 6.7 |
| Best for Low Fees | 8.0 | 8.5 |
| Best for Beginners | 8.1 | 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
WaitlistConditions apply: tap or hover for detailsShow source
Early access and card waitlist
Card type
Prepaid cardConditions apply: tap or hover for detailsShow source
Funded by crypto deposits converted to euros
Network
VisaShow source
Custody model
HybridConditions apply: tap or hover for detailsShow source
Crypto stays in your own wallet until deposited; card balance in euros held by the card partner
Fees
Monthly fee
FreeShow source
Physical card fee
FreeShow source
Virtual card fee
FreeShow source
FX fee
0%Conditions apply: tap or hover for detailsShow source
vPay's own FX fee
Top-up fee
FreeShow source
Transfer fee
FreeConditions apply: tap or hover for detailsShow source
SEPA withdrawal of the card balance to your bank account
Cashback & rewards
Base cashback
1%Conditions apply: tap or hover for detailsShow source
On purchases; plus 1% on crypto deposits; paid as Bitrefill store credit
1.5%Show source
Max cashback
2%Conditions apply: tap or hover for detailsShow source
1% on crypto deposits plus 1% on purchases
Cashback paid in
EUR store credit on BitrefillShow source
Cashback type
FiatConditions apply: tap or hover for detailsShow source
Store credit for gift cards and eSIMs
Interest on balance
6%Conditions apply: tap or hover for detailsShow source
Up to
Cashback conditions
No cap per transaction · Cashback never expires · Free 20 GB eSIM each month with deposits over €500Show source
Reward exclusions
Deposits to bank accounts · Cash outs · ATM withdrawalsShow source
Credit & financing
Credit line
NoShow source
Availability
Available in
Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Norway, IcelandConditions apply: tap or hover for detailsShow source
Not for US or Russian citizens regardless of residency
Account / spend currencies
EURShow source
Features
Google Pay
YesShow source
Physical card
YesShow source
YesShow source
Virtual card
YesShow source
YesShow source
ATM withdrawals
YesShow source
Annual cost at 1,500 EUR/month
Bitrefill Card
- Annual & monthly fees+0 EUR
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashback+180 EUR
- Net annual valuenot enough data
vPay Card
- Annual & monthly feesunknown
- FX costs+0 EUR
- Crypto conversion–
- ATM costsunknown
- Cashback+270 EUR
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers