Cryptomus Virtual Card vs imToken Card
Crypto native
Crypto native
Verdict
- Cryptomus Virtual Card scores higher overall (5.7 vs 5.6 out of 10).
- imToken Card is clearly stronger on: Fees, Custody & security.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Cryptomus Virtual Card is a good fit for
- No specific audience can be derived from the published data yet.
imToken Card is a good fit for
- Stablecoin holders
- Frequent travellers
Stronger on: Fees, Custody & security
★ 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 | Cryptomus Virtual Card | imToken Card |
|---|---|---|
| Fees | 39 | 88 |
| Cashback & rewards | – | 0 |
| Availability | 100 | – |
| FX & international | – | 100 |
| Product features | 35 | – |
| Custody & security | 60 | 70 |
| Credit & financing | – | 30 |
| Limits & ATM | – | – |
| Transparency | 100 | 100 |
| Best for Cashback | n/a | 3.7 |
| Best for Travel | n/a | 7.1 |
| Best for DeFi Users | 5.2 | 5.4 |
| Best for Stablecoins | n/a | 6.8 |
| Best for High Spenders | n/a | 4.4 |
| Best for Low Fees | 5.2 | 8.7 |
| Best for Beginners | 6.2 | 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
ActiveShow source
Card type
Prepaid cardShow source
Debit cardConditions apply: tap or hover for detailsShow source
Spends the Fiat24 multi-currency cash account
Network
Visa / MastercardShow source
MastercardShow source
Custody model
CustodialShow source
HybridConditions apply: tap or hover for detailsShow source
Tokens in the self-custodial imToken wallet; top-ups become a fiat cash account at Fiat24
Card issuer / program manager
Fiat24 (Switzerland)Show source
Fees
Annual fee
FreeShow source
Virtual card fee
$4Show source
FreeConditions apply: tap or hover for detailsShow source
Account NFT minting fee 0.001 ETH applies
FX fee
0%Show source
Top-up fee
3.2%Show source
1%Conditions apply: tap or hover for detailsShow source
Token top-ups; fiat deposits free
Other fees & markups
Account NFT minting fee 0.001 ETH · Additional charges may apply for settlements and exchange rate discrepanciesShow source
Cashback & rewards
Cashback type
NoneConditions apply: tap or hover for detailsShow source
A rebate plan is announced
Credit & financing
Credit line
NoShow source
Availability
Available in
GlobalConditions apply: tap or hover for detailsShow source
Most countries; some regions restricted
Account / spend currencies
USDT · USDCConditions apply: tap or hover for detailsShow source
Top-up assets
USD · EUR · CHF · CNHShow source
Own IBAN / bank details
YesConditions apply: tap or hover for detailsShow source
Swiss IBAN
Features
Physical card
NoShow source
Virtual card
YesShow source
Spend stablecoins
YesConditions apply: tap or hover for detailsShow source
Top up with USDC or USDT
Spendable assets
ETH · USDC · USDTConditions apply: tap or hover for detailsShow source
Major ERC-20 tokens for top-ups
Blockchains
Ethereum · ArbitrumShow source
Annual cost at 1,500 EUR/month
Cryptomus Virtual Card
- Annual & monthly feesunknown
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashbackunknown
- Net annual valuenot enough data
imToken Card
- Annual & monthly fees+0 EUR
- FX costs+0 EUR
- Crypto conversion–
- ATM costsunknown
- 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