Gluon Card vs THORWallet Card
Crypto native
Crypto native
Verdict
- Gluon Card and THORWallet Card have the same overall score (6.8/10).
- THORWallet Card is clearly stronger on: Custody & security, Limits & ATM.
- 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
THORWallet Card is a good fit for
- People who want to keep control of their keys
Stronger on: Custody & security, Limits & ATM
★ 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 | THORWallet Card |
|---|---|---|
| Fees | 100 | 98 |
| Cashback & rewards | – | 10 |
| Availability | – | 100 |
| FX & international | 40 | 40 |
| Product features | 70 | 70 |
| Custody & security | 70 | 80 |
| Credit & financing | 75 | – |
| Limits & ATM | 78 | 91 |
| Transparency | 100 | 100 |
| Best for Cashback | n/a | 4.9 |
| Best for Travel | 6.3 | 6.5 |
| Best for Self-Custody | 7.0 | 6.8 |
| Best for DeFi Users | 7.1 | 6.2 |
| Best for High Spenders | 6.5 | 4.7 |
| Best for Low Fees | 8.2 | 8.3 |
| 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
Network
VisaShow source
MastercardShow 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
Tiers / plans
Basic · Premium · Swiss IBANShow source
Fees
Annual fee
FreeShow source
Physical card fee
$124Conditions apply: tap or hover for detailsShow source
Premium, one-off; $99 with an invite
Virtual card fee
$5Conditions apply: tap or hover for detailsShow source
Basic; free with an invite code
FX fee
1.5%Show source
1.5%Show source
Top-up fee
FreeConditions apply: tap or hover for detailsShow source
Basic
ATM fee
$1 + 0.65%Conditions apply: tap or hover for detailsShow source
Cash advance fee
$1Conditions apply: tap or hover for detailsShow source
Domestic; $5 international
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
Cashback & rewards
Base cashback
0.5%Conditions apply: tap or hover for detailsShow source
Premium; Basic 0%
Max cashback
0.5%Conditions apply: tap or hover for detailsShow source
Premium tier (paid one-off card)
Cashback paid in
USDCShow source
Cashback type
StablecoinConditions apply: tap or hover for detailsShow source
Premium only
Cashback-eligible spend cap
$5,000/monthConditions apply: tap or hover for detailsShow source
Spend per month
Staking / holding required for top rewards
NoShow 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
GlobalConditions apply: tap or hover for detailsShow source
175+ countries including the US
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
USDConditions apply: tap or hover for detailsShow source
Basic and Premium; Swiss IBAN CHF, EUR, USD, RMB
Own IBAN / bank details
YesConditions apply: tap or hover for detailsShow source
Swiss IBAN account
Features
Apple Pay
YesShow source
Google Pay
YesShow source
Physical card
YesShow source
YesConditions apply: tap or hover for detailsShow source
Premium
Virtual card
YesShow source
YesShow source
ATM withdrawals
YesShow source
Blockchains
Ethereum · Polygon · Optimism · ArbitrumShow source
Limits
ATM limit
$10,000Conditions apply: tap or hover for detailsShow source
Per day
Spending limit
$100,000Conditions apply: tap or hover for detailsShow source
Monthly POS limit, Basic; Premium $1,000,000
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
THORWallet Card
- Annual & monthly feesunknown
- FX costs−54 EUR
- Crypto conversion–
- ATM costs−11 EUR
- Cashback+90 EUR
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers