Kite Card vs Ripio Card
Crypto native
Crypto native
Verdict
- Kite Card and Ripio Card have the same overall score (5.8/10).
- Kite Card is clearly stronger on: Availability, Custody & security.
- Ripio Card is clearly stronger on: Product features.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Kite Card is a good fit for
- People who want to keep control of their keys
Stronger on: Availability, Custody & security
Ripio Card is a good fit for
- Everyday spenders who want cashback
Stronger on: 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 | Kite Card | Ripio Card |
|---|---|---|
| Fees | 100 | 100 |
| Cashback & rewards | – | 47 |
| Availability | 20 | 3 |
| FX & international | 28 | – |
| Product features | 47 | 70 |
| Custody & security | 80 | 60 |
| Credit & financing | – | – |
| Limits & ATM | – | – |
| Transparency | 100 | 100 |
| Best for Cashback | n/a | 5.5 |
| Best for Travel | 4.9 | 5.7 |
| Best for Self-Custody | 7.1 | n/a |
| Best for DeFi Users | 6.8 | 6.4 |
| Best for High Spenders | n/a | 6.0 |
| Best for Low Fees | 7.5 | 8.0 |
| 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
Prepaid cardShow source
Network
VisaShow source
VisaShow source
Custody model
Self-custodyShow source
CustodialShow source
Fees
Annual fee
FreeShow source
Monthly fee
FreeShow source
Physical card fee
FreeShow source
Virtual card fee
FreeShow source
Replacement fee
FreeShow source
FX fee
1.8%Show source
Crypto conversion fee
0%Show source
Cashback & rewards
Base cashback
2%Conditions apply: tap or hover for detailsShow source
Paying with crypto; 0.5% paying with ARS
Max cashback
4%Conditions apply: tap or hover for detailsShow source
New card users, first 30 days, paying with crypto
Cashback paid in
USDT, BTC or ETHShow source
Cashback type
CryptoShow source
Availability
Available in
Australia, Japan, Malaysia, Philippines, Singapore, South KoreaShow source
ArgentinaShow source
Account / spend currencies
USDC · USDTShow source
Features
Apple Pay
YesShow source
Google Pay
YesShow source
YesShow source
Physical card
NoConditions apply: tap or hover for detailsShow source
Coming soon
YesShow source
Virtual card
YesShow source
YesShow source
Annual cost at 1,500 EUR/month
Kite Card
- Annual & monthly fees+0 EUR
- FX costs−65 EUR
- Crypto conversion–
- ATM costsunknown
- Cashbackunknown
- Net annual valuenot enough data
Ripio Card
- Annual & monthly fees+0 EUR
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashback+360 EUR
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers