Gluon Card vs Peanut Card
Crypto native
Crypto native
Verdict
- Gluon Card and Peanut Card have the same overall score (6.8/10).
- Gluon Card is clearly stronger on: Product features.
- Peanut Card is clearly stronger on: FX & international, 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: Product features
Peanut Card is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
Stronger on: FX & international, 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 | Peanut Card |
|---|---|---|
| Fees | 100 | 100 |
| Cashback & rewards | – | – |
| Availability | – | – |
| FX & international | 40 | 60 |
| Product features | 70 | 56 |
| Custody & security | 70 | 85 |
| Credit & financing | 75 | – |
| Limits & ATM | 78 | – |
| Transparency | 100 | 100 |
| Best for Travel | 6.3 | 6.4 |
| Best for Self-Custody | 7.0 | 7.7 |
| Best for DeFi Users | 7.1 | 7.2 |
| Best for Stablecoins | n/a | 7.5 |
| Best for High Spenders | 6.5 | n/a |
| Best for Low Fees | 8.2 | 8.3 |
| Best for Beginners | 7.7 | 7.5 |
| 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
Network
VisaShow source
VisaShow source
Custody model
Self-custodyConditions apply: tap or hover for detailsShow source
collateral in linked wallets
Self-custodyShow source
Card issuer / program manager
Third National (issuer); GL Worldwide Limited (program provider)Show source
Third National (issuer); program managed by Signify Holdings, Inc. (Rain)Show source
Fees
Annual fee
FreeShow source
FreeShow source
Monthly fee
FreeShow source
Virtual card fee
FreeConditions apply: tap or hover for detailsShow source
no issuance fee
FX fee
1.5%Show source
1%Conditions apply: tap or hover for detailsShow source
up to 1% FX fee (non USD) plus up to 1% cross border fee
Top-up fee
FreeConditions apply: tap or hover for detailsShow source
Crypto deposits
ATM fee
$1 + 0.65%Conditions apply: tap or hover for detailsShow source
Cash advance fee
Transfer fee
$20Conditions apply: tap or hover for detailsShow source
USD wire withdrawal only; ACH free
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
Ethereum, Tron and Solana crypto withdrawals carry a network fee · Cross-currency conversions carry a small spread embedded in the displayed rateShow 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
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
YesConditions apply: tap or hover for detailsShow source
collateral liquidated if unpaid within 1 day or collateral value drops below charges
Spend by borrowing against collateral
YesConditions apply: tap or hover for detailsShow source
Collateral of USD market value equal to each dollar charged
Availability
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
USDShow source
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
NoConditions apply: tap or hover for detailsShow source
physical card interest can be registered
Virtual card
YesShow source
YesShow source
Spend stablecoins
YesShow source
Spendable assets
USDC · USDTConditions apply: tap or hover for detailsShow source
Deposit assets (ETH on major EVM networks auto-converted)
Blockchains
Ethereum · Polygon · Optimism · ArbitrumShow source
Solana · Arbitrum · Base · Tron · Polygon · EthereumConditions apply: tap or hover for detailsShow source
Crypto deposit networks
Security & custody
Regulation / licences
Marketed in Nigeria by BANEX Microfinance Bank Limited, licensed by the Central Bank of NigeriaConditions apply: tap or hover for detailsShow source
Nigeria-specific clause
Smart-contract risk
YesConditions apply: tap or hover for detailsShow source
Collateral held in smart contracts on supported blockchains
YesShow source
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
Peanut Card
- Annual & monthly fees+0 EUR
- FX costs−36 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