Gluon Card vs Lumo Card
Crypto native
Crypto native
Verdict
- Gluon Card and Lumo Card have the same overall score (6.8/10).
- Gluon Card is clearly stronger on: Fees, FX & international.
- Lumo Card is clearly stronger on: Custody & security.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Gluon Card is a good fit for
- People who want to keep control of their keys
- Users who need credit rather than a debit/prepaid card
Stronger on: Fees, FX & international
Lumo Card is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
Stronger on: 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 | Gluon Card | Lumo Card |
|---|---|---|
| Fees | 100 | 77 |
| Cashback & rewards | – | – |
| Availability | – | 100 |
| FX & international | 40 | 30 |
| Product features | 70 | 70 |
| Custody & security | 70 | 80 |
| Credit & financing | 75 | – |
| Limits & ATM | 78 | – |
| Transparency | 100 | 100 |
| Best for Travel | 6.3 | 5.7 |
| Best for Self-Custody | 7.0 | 7.0 |
| Best for DeFi Users | 7.1 | 6.7 |
| Best for Stablecoins | n/a | 6.4 |
| Best for High Spenders | 6.5 | n/a |
| Best for Low Fees | 8.2 | 6.5 |
| Best for Beginners | 7.7 | 8.1 |
| Best Crypto Credit Card | 7.7 | n/a |
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
Credit cardShow source
Debit cardShow source
Network
VisaShow source
VisaConditions apply: tap or hover for detailsShow source
Both Basic (Visa Platinum) and Pro (Visa Corporate)
Custody model
Self-custodyConditions apply: tap or hover for detailsShow source
collateral in linked wallets
Self-custodyShow source
Launch date
2026-07-01Conditions apply: tap or hover for detailsShow source
Wallet launch date, not necessarily card
Card issuer / program manager
Third National (issuer); GL Worldwide Limited (program provider)Show source
Wirex (Lumo Basic card)Show source
Tiers / plans
Lumo Basic · Lumo ProShow source
Fees
Annual fee
FreeShow source
Monthly fee
FreeConditions apply: tap or hover for detailsShow source
Lumo Basic card (base tier); Pro also none
Virtual card fee
FreeConditions apply: tap or hover for detailsShow source
Lumo Basic card (base tier); Basic is a virtual Visa Platinum card; Pro card issuance $3.99 one-time
Replacement fee
FreeConditions apply: tap or hover for detailsShow source
Lumo Basic card (base tier); Pro: new card, issuance fee applies
FX fee
1.5%Show source
1.75%Conditions apply: tap or hover for detailsShow source
Basic card: 1% plus 0.75% Lumo margin
Crypto conversion fee
0.4%Conditions apply: tap or hover for detailsShow source
Wallet swap fee; card spend conversion fee not separately stated
Top-up fee
1.5%Conditions apply: tap or hover for detailsShow source
Lumo Basic card (base tier); Pro card 1%
ATM fee
$1 + 0.65%Conditions apply: tap or hover for detailsShow source
Cash advance fee
Other fees & markups
Late payment fee: 2% of the current outstanding card balance · Copying fee: $10.00 per copy of a transaction document or statement · Over-the-credit-line and returned payment fees: noneShow source
Basic card inactivity fee $4.99 per month after 28 days with no purchase or top-up · Pro card inactivity fee $2.99 per month per card after 28 days without use · Pro card: purchase processing fee $0.25 per purchase, 0.2% Apple Pay/Google Pay fee, 1.1% cross-border fee, 2% refund fee, card verification fee $0.10 US / $0.50 non-US merchant, 1.1% currency conversion fee on non-USD purchases · Minimum top-up $1.00Show source
Credit & financing
Credit line
YesShow source
Credit type
Crypto-backed creditShow source
Collateral assets
Digital assets (stablecoin or other forms designated by GLUON)Conditions apply: tap or hover for detailsShow source
GLUON designates which digital assets may be used
Interest (APR)
0%Conditions apply: tap or hover for detailsShow source
currently 0%; issuer may introduce interest for new purchases
Interest notes
No interest charged on purchases; no interest chargeable to this Credit CardShow source
Grace period
Payment due 21 days after the close of each billing cycleShow source
Repayment
Statement-based; repayments initiated via preauthorized transfers from a linked account (opt-out possible)Show source
Liquidation risk
YesShow source
Spend by borrowing against collateral
YesConditions apply: tap or hover for detailsShow source
Collateral of USD market value equal to each dollar charged
Availability
Available in
Argentina, Australia, Austria, Belgium, Brazil, Bulgaria, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hong Kong, Hungary, Iceland, Ireland, Italy, Latvia, Luxembourg, Malta, Netherlands, New Zealand, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland, TW, United Kingdom, United StatesConditions apply: tap or hover for detailsShow source
Lumo Basic card, 36 countries; Pro card available in 181 countries (not listed here); availability decided by issuer verification
Not available in
BY, CN, CU, India, IR, IQ, Israel, MM, NP, NI, KP, RU, SY, Turkey, Ukraine, VE, VietnamConditions apply: tap or hover for detailsShow source
Cards cannot be issued to cardholders residing or registered there; FATF grey-list countries need case-by-case approval
Account / spend currencies
USD · EURConditions apply: tap or hover for detailsShow source
Lumo Basic card (base tier): USD and EUR balances in card account
Features
Apple Pay
YesShow source
YesConditions apply: tap or hover for detailsShow source
Where supported
Google Pay
YesShow source
YesConditions apply: tap or hover for detailsShow source
Where supported
Physical card
YesShow source
YesConditions apply: tap or hover for detailsShow source
Lumo Basic card
Virtual card
YesShow source
YesConditions apply: tap or hover for detailsShow source
Lumo Basic card (base tier)
Spend stablecoins
YesConditions apply: tap or hover for detailsShow source
Basic card spends from stablecoin balance (USDC, USDT, EURC)
Spendable assets
USDC · USDT · EURC · ETHConditions apply: tap or hover for detailsShow source
Lumo Basic card (base tier): supported top-up assets on Base; Pro: USDT, BNB, ETH, BTC, SOL
Blockchains
Ethereum · Polygon · Optimism · ArbitrumShow source
BaseConditions apply: tap or hover for detailsShow source
Lumo Basic card (base tier) top-up chain; Pro card also Tron, BNB Smart Chain, Ethereum, Bitcoin, Solana
Limits
Spending limit
$30,000Conditions apply: tap or hover for detailsShow source
Lumo Basic card (base tier): monthly spend limit, per card; Pro card daily limit $20,000
Security & custody
Smart-contract risk
YesConditions apply: tap or hover for detailsShow source
Collateral held in smart contracts on supported blockchains
Annual cost at 1,500 EUR/month
Gluon Card
- Annual & monthly fees+0 EUR
- FX costs−54 EUR
- Crypto conversion–
- ATM costs−19 EUR
- Cashbackunknown
- Net annual valuenot enough data
Lumo Card
- Annual & monthly fees+0 EUR
- FX costs−63 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