Credits Debit Card vs Eversend Virtual Card
Crypto enabled
Crypto enabled
Verdict
- Credits Debit Card scores higher overall (6.3 vs 5.9 out of 10).
- Credits Debit Card is clearly stronger on: FX & international, Product features.
- Eversend Virtual Card is clearly stronger on: Fees.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Credits Debit Card is a good fit for
- No specific audience can be derived from the published data yet.
Stronger on: FX & international, Product features
Eversend Virtual Card is a good fit for
- Stablecoin holders
Stronger on: Fees
★ 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 | Credits Debit Card | Eversend Virtual Card |
|---|---|---|
| Fees | 81 | 99 |
| Cashback & rewards | – | – |
| Availability | – | – |
| FX & international | 60 | 0 |
| Product features | 70 | 47 |
| Custody & security | – | 75 |
| Credit & financing | – | – |
| Limits & ATM | 73 | – |
| Transparency | 100 | 100 |
| Best for Travel | 6.6 | 4.2 |
| Best for Stablecoins | n/a | 6.1 |
| Best for High Spenders | 6.2 | n/a |
| Best for Low Fees | 7.8 | 6.7 |
| Best for Beginners | 7.1 | 7.1 |
| Best E-Money Card | 7.1 | 5.4 |
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 cardConditions apply: tap or hover for detailsShow source
Funded from Eversend balance
Network
Visa / MastercardShow source
VisaShow source
Custody model
CustodialShow source
Tiers / plans
Standard · Plus · PremiumShow source
Monthly card · Lifetime cardShow source
Fees
Monthly fee
€5/monthConditions apply: tap or hover for detailsShow source
Standard card maintenance: FREE or €5/month depending on conditions (balance ≥ €2,000, €500 monthly spend, or referral)
$0.99/monthConditions apply: tap or hover for detailsShow source
Monthly card plan; Lifetime card ($2.99 one-time) has no monthly fee
Physical card fee
€5Conditions apply: tap or hover for detailsShow source
Card issuing on Standard plan; free on Plus/Premium
Virtual card fee
$5Show source
$0.99Conditions apply: tap or hover for detailsShow source
Monthly card: $0.99 to create + $0.99/month; Lifetime card: $2.99 one-time
FX fee
1%Conditions apply: tap or hover for detailsShow source
Plus $0.10 per purchase
3.5%Conditions apply: tap or hover for detailsShow source
Non-USD or non-US-settled spend: 3.5% + $0.50
Top-up fee
1%Conditions apply: tap or hover for detailsShow source
Crypto top-ups only
FreeConditions apply: tap or hover for detailsShow source
Card funding listed as Free
ATM fee
$3Show source
Small transaction fee
$0.32 + 1.25%Conditions apply: tap or hover for detailsShow source
POS / online purchase fee on every transaction
Other fees & markups
Debit card international payment: €0.60 + 2% · VISA Virtual POS/online purchase: $0.32 per transaction + 1.25% · VISA Virtual foreign-currency purchase: $0.10 + 1.00% · Non-active card fee €5 (Standard)Show source
Declined-for-balance fee $0.40 per failure · Non-USD or non-US-settled spend 3.5% + $0.50 · Conversion margin from 0.9%Show source
Availability
Not available in
United KingdomShow source
Account / spend currencies
USDConditions apply: tap or hover for detailsShow source
Card funded from USD balance; account holds 16 currencies
Own IBAN / bank details
YesShow source
Features
Apple Pay
YesShow source
Google Pay
YesShow source
Physical card
NoShow source
Virtual card
YesShow source
YesShow source
ATM withdrawals
YesShow source
Spend stablecoins
YesShow source
Security & custody
Regulation / licences
FINTRAC-registered MSB (C100000279), SECURITY AND EXCHANGE INTERNATIONAL CO INC.Show source
Bank of Uganda PSO/PSP/E-Money/IPI licences (Cogni Labs Ltd) · FINTRAC MSB (Eversend Tech Ltd) · FinCEN MSB (Eversend Inc.)Show source
Annual cost at 1,500 EUR/month
Credits Debit Card
- Annual & monthly fees−60 EUR
- FX costs−36 EUR
- Crypto conversion–
- ATM costs−32 EUR
- Cashbackunknown
- Net annual valuenot enough data
Eversend Virtual Card
- Annual & monthly fees−11 EUR
- FX costs−126 EUR
- Crypto conversion–
- ATM costsunknown
- Cashbackunknown
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers