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Mine Card vs PayitFast Visa Card

Mine Card

Crypto native

6.2
Get the card
PayitFast Visa Card

Crypto native

6.2
Get the card

Verdict

  • Mine Card and PayitFast Visa Card have the same overall score (6.2/10).
  • PayitFast Visa Card is clearly stronger on: Cashback & rewards, FX & international.
  • A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.

Mine Card is a good fit for

  • People who want to keep control of their keys
  • Stablecoin holders

PayitFast Visa Card is a good fit for

  • No specific audience can be derived from the published data yet.

Stronger on: Cashback & rewards, FX & international

★ Our pickEditorial choice · score unchanged · Affiliate link

Neither card is our pick. The card we recommend instead:

ether.fi Cash

Crypto native · ether.fi

8.1

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
Get the card
Review & sourcesMine Card vs ether.fi CashPayitFast Visa Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionMine CardPayitFast Visa Card
Fees10090
Cashback & rewards2640
Availability––
FX & international4060
Product features7070
Custody & security85–
Credit & financing––
Limits & ATM–56
Transparency100100
Best for Cashback5.05.5
Best for Travel5.66.4
Best for Self-Custody7.3n/a
Best for DeFi Users6.75.9
Best for Stablecoins6.8n/a
Best for High Spenders5.05.8
Best for Low Fees7.87.9
Best for Beginners7.67.2

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

ActiveConditions apply: tap or hover for detailsShow source

Invite-only: sign-up needs a code from an existing member (or the higher no-code price)

ActiveConditions apply: tap or hover for detailsShow source

Physical card on a waitlist

Card type

Stablecoin cardConditions apply: tap or hover for detailsShow source

Spends from your USDC balance, converted at purchase

No data yet

Network

MastercardShow source
VisaShow source

Custody model

Self-custodyShow source
No data yet

Card issuer / program manager

Atomo Sarl (Unblock card program)Conditions apply: tap or hover for detailsShow source

Card service offered via EMM Ventures AG (MINE)

No data yet

Tiers / plans

Basic · PremiumConditions apply: tap or hover for detailsShow source

Metal and Private announced, no price yet

Standard · EliteShow source

Fees

Monthly fee

FreeConditions apply: tap or hover for detailsShow source

Basic and Premium are one-off fees, no subscription

FreeShow source

Physical card fee

$124Conditions apply: tap or hover for detailsShow source

Premium tier (physical + virtual card), one-off; $99 with an invite code

$50Conditions apply: tap or hover for detailsShow source

Physical card via waitlist

Virtual card fee

FreeConditions apply: tap or hover for detailsShow source

Basic: free with valid invite code, otherwise USD 5 one-off activation

$5Conditions apply: tap or hover for detailsShow source

$ read as USD; card available in USD

Replacement fee

No data yet
$3Conditions apply: tap or hover for detailsShow source

Virtual; physical PVC replacement $30

FX fee

1.5%Conditions apply: tap or hover for detailsShow source

Switzerland and international, all tiers

1%Show source

Crypto conversion fee

No data yet
0.75%Show source

Top-up fee

FreeShow source
No data yet

Crypto withdrawal fee

No data yet
FreeConditions apply: tap or hover for detailsShow source

Network fees apply

ATM fee

No data yet
$2 + 1.3%Conditions apply: tap or hover for detailsShow source

Non-USD ATM adds 1% FX

Transfer fee

No data yet
FreeConditions apply: tap or hover for detailsShow source

Internal P2P transfers

Other fees & markups

MINE swap fee 1.25% (Basic; 0.50% for Premium in first 12 months) · Premium membership USD 124 one-off (USD 99 with invite), paid in USDCShow source
Decline fee $2 per decline (insufficient balance) · Lost-claim chargeback $35 · Card/wallet on-ramp from 2.99%Show source

Cashback & rewards

Base cashback

0%Conditions apply: tap or hover for detailsShow source

Basic tier has no cashback; Premium 0.5% in USDC

No data yet

Max cashback

0.5%Conditions apply: tap or hover for detailsShow source

Premium tier; 'boosted cashback' announced for Metal

10%Show source

Cashback paid in

USDCShow source
USDTShow source

Cashback type

StablecoinShow source
StablecoinShow source

Interest on balance

5%Conditions apply: tap or hover for detailsShow source

Opt-in Earn via Aave V3, off by default; variable

No data yet

Cashback-eligible spend cap

$5,000/monthConditions apply: tap or hover for detailsShow source

Premium months 1-12; USD 2,000 of qualifying spend from month 13

No data yet

Cashback conditions

No data yet
Rate depends on which eligible asset you spend · Qualifying transactions onlyShow source

Reward expiry / vesting

Forfeited on termination for cause; 30 days after ordinary cancellationShow source
Cashback and rewards are non-withdrawable; usable only for eligible card transactionsShow source

Reward exclusions

cash and quasi-cash · money transfer and remittance · gambling and betting · purchases of crypto-assets · gift cards and stored value · financial institution merchandiseShow source
No data yet

Availability

Account / spend currencies

CHF · EUR · USDCShow source
USDShow source

Own IBAN / bank details

YesConditions apply: tap or hover for detailsShow source

CHF and EUR IBAN in your own name; incoming money settles as USDC

No data yet

Features

Apple Pay

YesShow source
YesShow source

Google Pay

YesShow source
YesShow source

Physical card

YesConditions apply: tap or hover for detailsShow source

Premium tier

YesConditions apply: tap or hover for detailsShow source

waitlist

Virtual card

YesShow source
YesShow source

ATM withdrawals

YesConditions apply: tap or hover for detailsShow source

Limit $20,000 per month on Basic, $60,000 on Premium

YesShow source

Spend stablecoins

YesShow source
No data yet

Airport lounge access

NoConditions apply: tap or hover for detailsShow source

Listed only under the (not yet released) Metal tier; not on Basic or Premium

No data yet

Spendable assets

USDCShow source
BTC · USDT · ETH · SOLShow source

Limits

ATM limit

$20,000Conditions apply: tap or hover for detailsShow source

Per month on Basic; $60,000 on Premium

$2,000Conditions apply: tap or hover for detailsShow source

Per withdrawal, PVC card; higher for metal/jewellery cards

Spending limit

$100,000Conditions apply: tap or hover for detailsShow source

Per month, Basic; Premium $1,000,000

$100,000Conditions apply: tap or hover for detailsShow source

Daily, Standard; Elite $5,000,000

Security & custody

Regulation / licences

Card issued by Unblock Atomo SARL, EEA-licensed e-money institution (Luxembourg) · Operated by EMM Ventures AG, Switzerland · IBAN and conversion services provided by a regulated Swiss financial intermediaryShow source
FINTRAC MSB registration M23026009 (Silverleaf E-Money Services Ltd.) · Bank of Canada PSP under RPAAShow source

Smart-contract risk

YesConditions apply: tap or hover for detailsShow source

Applies to opt-in Earn via Aave V3

No data yet

Annual cost at 1,500 EUR/month

Mine Card

  • Annual & monthly fees+0 EUR
  • FX costs−54 EUR
  • Crypto conversion–
  • ATM costsunknown
  • Cashback+0 EUR
  • Net annual valuenot enough data

PayitFast Visa Card

  • Annual & monthly fees+0 EUR
  • FX costs−36 EUR
  • Crypto conversion–
  • ATM costs−37 EUR
  • Cashbackunknown
  • Net annual valuenot enough data

Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers

More Mine Card comparisons

More PayitFast Visa Card comparisons