MPCVault Card vs Picnic Card
Crypto native
Crypto native
Verdict
- MPCVault Card scores higher overall (6.6 vs 6.5 out of 10).
- Picnic Card is clearly stronger on: FX & international.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
MPCVault Card is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
- Users who need credit rather than a debit/prepaid card
Picnic Card is a good fit for
- People who want to keep control of their keys
- Frequent travellers
Stronger on: FX & international
★ 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 | MPCVault Card | Picnic Card |
|---|---|---|
| Fees | 100 | 100 |
| Cashback & rewards | – | – |
| Availability | – | 3 |
| FX & international | 20 | 88 |
| Product features | 70 | 70 |
| Custody & security | 85 | 80 |
| Credit & financing | 75 | – |
| Limits & ATM | – | 64 |
| Transparency | 100 | 100 |
| Best for Cashback | n/a | 6.0 |
| Best for Travel | 5.1 | 7.3 |
| Best for Self-Custody | 7.5 | 7.9 |
| Best for DeFi Users | 7.5 | 7.3 |
| Best for Stablecoins | 6.9 | n/a |
| Best for High Spenders | 5.9 | 6.8 |
| Best for Low Fees | 7.2 | 9.2 |
| Best for Beginners | 7.8 | 7.1 |
| Best Crypto Credit Card | 7.8 | 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
Crypto-backed creditConditions apply: tap or hover for detailsShow source
Credit card secured by digital-asset collateral in smart contracts
Debit cardShow source
Network
VisaShow source
VisaShow source
Custody model
Self-custodyShow source
Self-custodyShow source
Card issuer / program manager
Third NationalShow source
Gnosis PayShow source
Fees
Annual fee
FreeShow source
FreeShow source
Virtual card fee
$1Conditions apply: tap or hover for detailsShow source
per card
FreeShow source
FX fee
2%Conditions apply: tap or hover for detailsShow source
International Transaction fee 1.5%-2%
0.3%Conditions apply: tap or hover for detailsShow source
Purchases in currencies other than USD; approximate Visa conversion; Picnic fee itself 0%
ATM fee
2%Conditions apply: tap or hover for detailsShow source
Per withdrawal beyond the monthly allowance; local ATM operator may charge its own fee
Free ATM allowance
$200/monthConditions apply: tap or hover for detailsShow source
Up to 5 withdrawals or US$ 200 per month, whichever comes first
Other fees & markups
KYB verification $10 · Card issuance $1 per card (steps text says 1 USDC fee per card) · Crypto deposit 3 USDC + 0.5% · International transactions up to 3% (USD with US merchants: 0%) · Transaction disputes $35 per caseConditions apply: tap or hover for detailsShow source
Business/team card; fee table
Pix top-up and Pix withdrawal: 0% Picnic fee, but 0.3% to 0.5% versus the on-chain rateShow source
Credit & financing
Credit line
YesConditions apply: tap or hover for detailsShow source
collateralised by digital assets
Credit type
Crypto-backed creditShow source
Interest (APR)
0%Show source
Grace period
Payment due 21 days after close of each billing cycleShow source
Liquidation risk
YesShow source
Availability
Available in
BrazilShow source
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
Cardholders residing in, registered in or located in these jurisdictions; China is Mainland only; may be updated; watchlist jurisdictions need case-by-case review
Account / spend currencies
USDCShow source
Features
Apple Pay
YesConditions apply: tap or hover for detailsShow source
via Digital Wallet, if supported
YesShow source
Google Pay
YesConditions apply: tap or hover for detailsShow source
via Digital Wallet, if supported
YesShow source
Physical card
YesShow source
Virtual card
YesShow source
YesShow source
ATM withdrawals
YesConditions apply: tap or hover for detailsShow source
Physical card
Spend stablecoins
YesShow source
Spendable assets
USDCConditions apply: tap or hover for detailsShow source
Top-up with USDC
Blockchains
Ethereum · Polygon · SolanaConditions apply: tap or hover for detailsShow source
Card top-up networks
Security & custody
Regulation / licences
NMLS# 2357870 · FinCEN ID 31000213664980Show source
Smart-contract risk
YesShow source
Annual cost at 1,500 EUR/month
MPCVault Card
- Annual & monthly fees+0 EUR
- FX costs−72 EUR
- Crypto conversion–
- ATM costsunknown
- Cashbackunknown
- Net annual valuenot enough data
Picnic Card
- Annual & monthly fees+0 EUR
- FX costs−11 EUR
- Crypto conversion–
- ATM costs+0 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