MPCVault Card vs SafePal Mastercard
Crypto native
Crypto native
Verdict
- MPCVault Card scores higher overall (6.6 vs 6.5 out of 10).
- MPCVault Card is clearly stronger on: Credit & financing.
- SafePal Mastercard 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
Stronger on: Credit & financing
SafePal Mastercard is a good fit for
- Stablecoin holders
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 | SafePal Mastercard |
|---|---|---|
| Fees | 100 | 100 |
| Cashback & rewards | – | – |
| Availability | – | – |
| FX & international | 20 | 60 |
| Product features | 70 | 70 |
| Custody & security | 85 | – |
| Credit & financing | 75 | 30 |
| Limits & ATM | – | – |
| Transparency | 100 | 100 |
| Best for Travel | 5.1 | 6.6 |
| Best for Self-Custody | 7.5 | n/a |
| Best for DeFi Users | 7.5 | 6.0 |
| Best for Stablecoins | 6.9 | 7.2 |
| Best for High Spenders | 5.9 | 6.1 |
| Best for Low Fees | 7.2 | 8.3 |
| Best for Beginners | 7.8 | 7.5 |
| 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
MastercardShow source
Custody model
Self-custodyShow source
Card issuer / program manager
Third NationalShow source
Fiat24 (Swiss IBAN account and fiat gateway; compliance and licensing)Conditions apply: tap or hover for detailsShow source
Offered in collaboration with SafePal; the page does not name the card issuer separately
Fees
Annual fee
FreeShow source
FreeShow source
Monthly fee
FreeShow source
Virtual card fee
$1Conditions apply: tap or hover for detailsShow source
per card
FX fee
2%Conditions apply: tap or hover for detailsShow source
International Transaction fee 1.5%-2%
1%Conditions apply: tap or hover for detailsShow source
Card payments settled in non-USD currencies
Top-up fee
FreeConditions apply: tap or hover for detailsShow source
Standard deposit/top-up fee; crypto swaps carry a spread and gas fees
Transfer fee
FreeConditions apply: tap or hover for detailsShow source
Transfers to external banks; other banks may charge
Other fees & markups
KYB fee $10 USD per instance · Crypto deposit processing and gas fee: 3 U plus 0.5% of deposit · Transaction disputes fee $35 USD per chargeback case · Late payment: 2% of outstanding balance · Copying fee $10 per documentShow source
Refund processing fee 1 USD / 1 EUR / 1 CHF / 7 CNH per refund, depending on payment currency · Gas fees on blockchain transactionsConditions apply: tap or hover for detailsShow source
Gas fees: the page states all financial transactions are conducted on the blockchain, which will result in gas fees
Credit & financing
Credit line
YesConditions apply: tap or hover for detailsShow source
collateralised by digital assets
NoShow source
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
Account / spend currencies
USDCShow source
USD · EUR · CHF · CNHShow source
Own IBAN / bank details
YesConditions apply: tap or hover for detailsShow source
Swiss IBAN via Fiat24
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
Spend stablecoins
YesShow source
YesConditions apply: tap or hover for detailsShow source
Crypto is topped up as USDC
Blockchains
Ethereum · Polygon · Optimism · Arbitrum · SolanaConditions apply: tap or hover for detailsShow source
Supported Blockchains for collateral
ArbitrumShow source
Limits
Spending limit
€5,000Conditions apply: tap or hover for detailsShow source
Per day; contactless 1,600 EUR per day
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
SafePal Mastercard
- Annual & monthly fees+0 EUR
- FX costs−36 EUR
- 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