Elios Card vs Zypto Premium VISA Card
Crypto native
Crypto native
Verdict
- Elios Card and Zypto Premium VISA Card have the same overall score (5.8/10).
- Elios Card is clearly stronger on: Fees, FX & international.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Elios Card is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
Stronger on: Fees, FX & international
Zypto Premium VISA Card is a good fit for
- No specific audience can be derived from the published data yet.
★ 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 | Elios Card | Zypto Premium VISA Card |
|---|---|---|
| Fees | 100 | 70 |
| Cashback & rewards | 12 | – |
| Availability | – | – |
| FX & international | 60 | 30 |
| Product features | – | 70 |
| Custody & security | 70 | – |
| Credit & financing | – | – |
| Limits & ATM | – | 80 |
| Transparency | 100 | 100 |
| Best for Cashback | 4.3 | n/a |
| Best for Travel | 6.0 | 5.5 |
| Best for Self-Custody | 6.4 | n/a |
| Best for DeFi Users | 5.9 | n/a |
| Best for Stablecoins | 6.5 | n/a |
| Best for High Spenders | 4.6 | 5.7 |
| Best for Low Fees | 8.3 | 6.6 |
| Best for Beginners | 6.8 | 6.9 |
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 cardShow source
Network
VisaShow source
VisaShow source
Custody model
Self-custodyShow source
Tiers / plans
Virtual Premium VISA · Physical Premium VISAShow source
Fees
Monthly fee
FreeShow source
Physical card fee
$50Conditions apply: tap or hover for detailsShow source
Including activation and shipping
Virtual card fee
FreeConditions apply: tap or hover for detailsShow source
$10 initial load added to the balance
FX fee
1%Conditions apply: tap or hover for detailsShow source
Up to 1% Visa international transaction fee when paying in a currency other than US dollars; converted at Visa network rate; Elios adds nothing
1.75%Show source
Crypto conversion fee
3%Conditions apply: tap or hover for detailsShow source
Crypto off-ramp fee on load
Top-up fee
FreeConditions apply: tap or hover for detailsShow source
Elios charges nothing for deposits; network gas fee paid to the network
Crypto withdrawal fee
FreeConditions apply: tap or hover for detailsShow source
Elios charges nothing; transfers on Hyperliquid free; Elios covers bridge fees
ATM fee
1%Conditions apply: tap or hover for detailsShow source
Physical card
Small transaction fee
$0.30Conditions apply: tap or hover for detailsShow source
Per transaction
Other fees & markups
Third-party network gas fee when depositing USDC · Merchants or ATM operators may apply their own chargesConditions apply: tap or hover for detailsShow source
Elios itself charges nothing for deposits, withdrawals, or transfers
Cashback & rewards
Max cashback
3%Conditions apply: tap or hover for detailsShow source
Promotion through 31 October on up to $5k of spending
Cashback-eligible spend cap
$5,000/monthConditions apply: tap or hover for detailsShow source
Eligible spending for the promotion
Features
Apple Pay
YesShow source
Google Pay
YesShow source
Physical card
YesShow source
Virtual card
YesShow source
ATM withdrawals
YesConditions apply: tap or hover for detailsShow source
Physical card
Spend stablecoins
YesShow source
Spendable assets
USDCShow source
Blockchains
HyperEVMShow source
Limits
ATM limit
$22,500Conditions apply: tap or hover for detailsShow source
Per month
Spending limit
$1,000,000Conditions apply: tap or hover for detailsShow source
Per month, physical card; $175,000 per transaction
Security & custody
Smart-contract risk
YesShow source
Annual cost at 1,500 EUR/month
Elios Card
- Annual & monthly feesunknown
- FX costs−36 EUR
- Crypto conversion–
- ATM costsunknown
- Cashbackunknown
- Net annual valuenot enough data
Zypto Premium VISA Card
- Annual & monthly fees+0 EUR
- FX costs−63 EUR
- Crypto conversion–
- ATM costs−12 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