Moto Card vs Stablecard by Western Union
Crypto native
Crypto native
Verdict
- At least one of the two cards does not have enough published data for an overall score.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Moto 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
- Frequent travellers
Stablecard by Western Union is a good fit for
- No specific audience can be derived from the published data yet.
★ 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 | Moto Card | Stablecard by Western Union |
|---|---|---|
| Fees | 0 | – |
| Cashback & rewards | – | – |
| Availability | – | – |
| FX & international | 100 | – |
| Product features | – | 70 |
| Custody & security | 80 | – |
| Credit & financing | 70 | – |
| Limits & ATM | – | – |
| Transparency | 100 | – |
| Best for Travel | 6.3 | n/a |
| Best for Self-Custody | 6.4 | n/a |
| Best for DeFi Users | 5.9 | n/a |
| Best for Low Fees | 4.8 | n/a |
| Best for Beginners | 5.3 | n/a |
| Best Crypto Credit Card | 6.1 | 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
Limited availabilityConditions apply: tap or hover for detailsShow source
Apply for access
ActiveShow source
Card type
Crypto-backed creditShow source
Stablecoin cardShow source
Network
VisaShow source
VisaShow source
Custody model
Self-custodyShow source
Card issuer / program manager
Third National (Visa principal member, Puerto Rico)Show source
Fees
Annual fee
$2,500/yearConditions apply: tap or hover for detailsShow source
Or $250 per month
Monthly fee
$250/monthConditions apply: tap or hover for detailsShow source
Monthly membership option
FX fee
0%Show source
Cashback & rewards
Cashback type
PointsShow source
Credit & financing
Credit line
YesShow source
Credit type
Crypto-backed creditShow source
Availability
Account / spend currencies
USDPTShow source
Own IBAN / bank details
YesShow source
Features
Apple Pay
YesShow source
Virtual card
YesShow source
ATM withdrawals
YesShow source
Annual cost at 1,500 EUR/month
Moto Card
- Annual & monthly fees−4923 EUR
- FX costs+0 EUR
- Crypto conversion–
- ATM costsunknown
- Cashbackunknown
- Net annual valuenot enough data
Stablecard by Western Union
- Annual & monthly feesunknown
- FX costsunknown
- 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