Eversend Virtual Card vs Venmo Credit Card
Crypto enabled
Crypto enabled
Verdict
- Eversend Virtual Card and Venmo Credit Card have the same overall score (5.9/10).
- Venmo Credit Card is clearly stronger on: FX & international, Product features.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Eversend Virtual Card is a good fit for
- Stablecoin holders
Venmo Credit Card is a good fit for
- Users who need credit rather than a debit/prepaid card
- Frequent travellers
Stronger on: FX & international, Product features
★ 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 | Eversend Virtual Card | Venmo Credit Card |
|---|---|---|
| Fees | 99 | 100 |
| Cashback & rewards | – | 30 |
| Availability | – | 3 |
| FX & international | 0 | 100 |
| Product features | 47 | 70 |
| Custody & security | 75 | – |
| Credit & financing | – | 70 |
| Limits & ATM | – | – |
| Transparency | 100 | 100 |
| Best for Cashback | n/a | 4.9 |
| Best for Travel | 4.2 | 7.3 |
| Best for Stablecoins | 6.1 | n/a |
| Best for High Spenders | n/a | 6.2 |
| Best for Low Fees | 6.7 | 9.3 |
| Best for Beginners | 7.1 | 6.6 |
| Best Crypto Credit Card | n/a | 6.9 |
| Best E-Money Card | 5.4 | 7.8 |
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 cardConditions apply: tap or hover for detailsShow source
Funded from Eversend balance
Credit cardShow source
Network
VisaShow source
VisaShow source
Custody model
CustodialShow source
Card issuer / program manager
Synchrony BankShow source
Tiers / plans
Monthly card · Lifetime cardShow source
Fees
Annual fee
FreeShow source
Monthly fee
$0.99/monthConditions apply: tap or hover for detailsShow source
Monthly card plan; Lifetime card ($2.99 one-time) has no monthly fee
Virtual card fee
$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
3.5%Conditions apply: tap or hover for detailsShow source
Non-USD or non-US-settled spend: 3.5% + $0.50
0%Show source
Top-up fee
FreeConditions apply: tap or hover for detailsShow source
Card funding listed as Free
Other fees & markups
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
Cashback & rewards
Base cashback
1%Show source
Max cashback
4%Conditions apply: tap or hover for detailsShow source
Dining and entertainment with a split payment
Cashback type
FiatConditions apply: tap or hover for detailsShow source
Can be auto-converted to BTC, LTC, BCH or ETH
Reward expiry / vesting
Cash back does not expire; pending rewards can be forfeited if the account is closed or suspendedShow source
Credit & financing
Credit line
YesShow source
Credit type
Revolving creditShow source
Availability
Available in
United StatesShow source
Account / spend currencies
USDConditions apply: tap or hover for detailsShow source
Card funded from USD balance; account holds 16 currencies
Features
Apple Pay
YesShow source
Google Pay
YesShow source
Physical card
NoShow source
YesShow source
Virtual card
YesShow source
YesShow source
Spend stablecoins
YesShow source
Security & custody
Regulation / licences
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
Eversend Virtual Card
- Annual & monthly fees−11 EUR
- FX costs−126 EUR
- Crypto conversion–
- ATM costsunknown
- Cashbackunknown
- Net annual valuenot enough data
Venmo Credit Card
- Annual & monthly fees+0 EUR
- FX costs+0 EUR
- Crypto conversion–
- ATM costsunknown
- Cashback+180 EUR
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers