MaxSwap Virtual Card vs Ripio Card
Crypto native
Crypto native
Verdict
- Ripio Card scores higher overall (4.9 vs 4.8 out of 10).
- MaxSwap Virtual Card is clearly stronger on: FX & international, Product features.
- Ripio Card is clearly stronger on: Fees.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
MaxSwap Virtual Card is a good fit for
- No specific audience can be derived from the published data yet.
Stronger on: FX & international, Product features
Ripio Card is a good fit for
- Everyday spenders who want cashback
Stronger on: Fees
★ 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 | MaxSwap Virtual Card | Ripio Card |
|---|---|---|
| Fees | 0 | 100 |
| Cashback & rewards | – | 41 |
| Availability | – | 3 |
| FX & international | 76 | 0 |
| Product features | 70 | 56 |
| Custody & security | 60 | 60 |
| Credit & financing | – | – |
| Limits & ATM | – | 20 |
| Transparency | 100 | 100 |
| Best for Cashback | n/a | 4.8 |
| Best for Travel | 5.6 | 3.3 |
| Best for DeFi Users | 5.1 | 5.9 |
| Best for High Spenders | n/a | 4.6 |
| Best for Low Fees | 4.2 | 6.3 |
| Best for Beginners | 5.6 | 6.5 |
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
Prepaid cardShow source
Network
Visa / MastercardShow source
VisaShow source
Custody model
CustodialShow source
CustodialShow source
Card issuer / program manager
Digipayments S.A.U. and Pomelo Fintech Services S.A.S. (co-issuers)Show source
Tiers / plans
Visa (Apple Pay & Google Pay) USA · AI Card + Google Pay ES · Premium Card with ATM USAShow source
Fees
Annual fee
FreeConditions apply: tap or hover for detailsShow source
'Sem custo'
Monthly fee
FreeConditions apply: tap or hover for detailsShow source
No maintenance cost
Physical card fee
FreeShow source
Replacement fee
R$9.99Conditions apply: tap or hover for detailsShow source
From the second reissue
FX fee
0.6%Conditions apply: tap or hover for detailsShow source
Conversion fee charged if settlement was not in USD
5%Conditions apply: tap or hover for detailsShow source
Applied by the partner on foreign-currency card purchases
Top-up fee
4.5%Conditions apply: tap or hover for detailsShow source
Replenishment; minimum replenishment 10 USDT
ATM fee
R$6.90Conditions apply: tap or hover for detailsShow source
Rede24Horas ATM, per operation
Other fees & markups
Card issuing costs 50 USDT (paid in USDT, not USD) · Minimum initial balance 25 USD; 5% commission on card creation with initial balance · 0.4% fee on each successful transaction · 0.25 USD fee per rejected transactionShow source
Selling a digital asset to pay a card purchase: Ripio charges a commission for the sale (amount not stated)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
2%Conditions apply: tap or hover for detailsShow source
Promotional: 2% paid in USDT, ETH or BTC on purchases from balance in any digital asset, from 01/09/2024 until an end date Ripio will announce; 0.5% on purchases from BRL balance
Cashback paid in
USDT, ETH or BTC (user's choice)Show source
Cashback type
CryptoShow source
Max cashback per month
R$500/monthConditions apply: tap or hover for detailsShow source
Monthly cashback limit
Reward exclusions
Funding of digital wallets, exchanges or other merchants · Misuse, fraudulent use or use contrary to the termsShow source
Availability
Available in
BrazilConditions apply: tap or hover for detailsShow source
Individuals 18+ resident and domiciled in Brazil
Features
Apple Pay
YesShow source
YesShow source
Google Pay
YesShow source
YesShow source
Physical card
YesShow source
Virtual card
YesShow source
YesShow source
ATM withdrawals
YesConditions apply: tap or hover for detailsShow source
Premium Card with ATM USA only
NoConditions apply: tap or hover for detailsShow source
No cash withdrawals unless expressly enabled
Spendable assets
ADA · ALGO · AVAX · BCH · BNB · BTC · DOT · ETH · HBAR · HT · KRRX · LINK · LTC · MATIC · NEAR · SHIB · SUSHI · TON · TRX · UNI · USDC · USDT · XLM · XRPConditions apply: tap or hover for detailsShow source
Supported for exchange/wallet; card top-up via crypto
Limits
ATM limit
$750Conditions apply: tap or hover for detailsShow source
Per day, up to 250 USD per transaction; Premium Card with ATM USA
Spending limit
$50,000Conditions apply: tap or hover for detailsShow source
Per purchase/payment on online platforms
R$30,000Conditions apply: tap or hover for detailsShow source
Daily cumulative in-person purchases; e-commerce R$10,000 per day
Annual cost at 1,500 EUR/month
MaxSwap Virtual Card
- Annual & monthly feesunknown
- FX costs−22 EUR
- Crypto conversion–
- ATM costsunknown
- Cashbackunknown
- Net annual valuenot enough data
Ripio Card
- Annual & monthly feesunknown
- FX costs−180 EUR
- Crypto conversion–
- ATM costs−14 EUR
- 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