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Bitsa Card vs Credits Debit Card

Bitsa Card

Crypto enabled

5.9
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Credits Debit Card

Crypto enabled

6.1
Get the card

Verdict

  • Credits Debit Card scores higher overall (6.1 vs 5.9 out of 10).
  • Credits Debit Card is clearly stronger on: FX & international.
  • A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.

Bitsa Card is a good fit for

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

Credits Debit Card is a good fit for

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

Stronger on: FX & international

★ 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 & sourcesBitsa Card vs ether.fi CashCredits Debit Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionBitsa CardCredits Debit Card
Fees8272
Cashback & rewards0–
Availability100–
FX & international3060
Product features7070
Custody & security75–
Credit & financing30–
Limits & ATM7573
Transparency100100
Best for Cashback4.0n/a
Best for Travel5.66.5
Best for High Spenders3.66.1
Best for Low Fees7.07.4
Best for Beginners7.66.9
Best E-Money Card6.96.8

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

Prepaid card, E-money cardShow source
Debit cardShow source

Network

VisaShow source
Visa / MastercardShow source

Custody model

CustodialConditions apply: tap or hover for detailsShow source

Crypto is converted to euros on top-up; the card spends an e-money balance

No data yet

Card issuer / program manager

Pecunia Cards EDE S.L.U. (Pecunpay), Spanish e-money institution; crypto service by BitnovoShow source
No data yet

Tiers / plans

Free · Move · ProShow source
No data yet

Fees

Annual fee

FreeConditions apply: tap or hover for detailsShow source

Free plan; Move €8.99/year, Pro €69.99/year

No data yet

Monthly fee

FreeConditions apply: tap or hover for detailsShow source

Free plan; Move €0.99/month (€8.99/year), Pro €9.99/month (€69.99/year)

$5/monthConditions apply: tap or hover for detailsShow source

Card maintenance; card and IBAN free with monthly use of the app

Physical card fee

€20Show source
No data yet

Virtual card fee

€2.50Show source
$5Show source

FX fee

1.75%Conditions apply: tap or hover for detailsShow source

Non-euro SEPA-zone currencies; 2% in the rest of the world

1%Conditions apply: tap or hover for detailsShow source

Plus $0.10 per purchase

Top-up fee

1.5%Conditions apply: tap or hover for detailsShow source

External-card top-ups beyond the free ones (Free: 2 in total, Move: 3/month, Pro: 4/month); vouchers 0–6%

$0.32 + 1.25%Conditions apply: tap or hover for detailsShow source

Crypto top-ups

ATM fee

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

Outside the euro area; euro area €2.50 per withdrawal, Spain: the ATM operator's fee is passed on

$3Show source

Transfer fee

€1Conditions apply: tap or hover for detailsShow source

SEPA transfer on Free and Move; free on Pro

No data yet

Other fees & markups

Voucher top-up fee 0–6% · Transfers to another holder or institution €1.50 · Crypto top-ups limited to €20,000 per dayShow source
Apple Pay / Google Pay: $0.03 + 0.15% per transactionShow source

Cashback & rewards

Cashback type

NoneConditions apply: tap or hover for detailsShow source

Card payments earn no cashback; gift cards in the app up to 15%

No data yet

Credit & financing

Credit line

NoShow source
No data yet

Availability

Available in

EEAConditions apply: tap or hover for detailsShow source

Residents of the EEA

No data yet

Account / spend currencies

EURShow source
No data yet

Own IBAN / bank details

YesShow source
YesShow source

Features

Apple Pay

YesShow source
YesShow source

Google Pay

YesShow source
YesShow source

Physical card

YesShow source
No data yet

Virtual card

YesShow source
YesShow source

ATM withdrawals

YesShow source
YesShow source

Limits

ATM limit

€450Conditions apply: tap or hover for detailsShow source

Per day, withdrawals outside Spain

No data yet

Spending limit

€1,500Conditions apply: tap or hover for detailsShow source

Purchase limit on Free; Move €5,000, Pro €15,000

No data yet

Security & custody

Regulation / licences

Pecunpay: e-money institution supervised by the Bank of SpainShow source
No data yet

Annual cost at 1,500 EUR/month

Bitsa Card

  • Annual & monthly fees+0 EUR
  • FX costs−63 EUR
  • Crypto conversion–
  • ATM costs−19 EUR
  • Cashback+0 EUR
  • Net annual value-82 EUR

Credits Debit Card

  • Annual & monthly fees−54 EUR
  • FX costs−36 EUR
  • Crypto conversion–
  • ATM costs−32 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 Bitsa Card comparisons

More Credits Debit Card comparisons