OrbitX Card vs Ripio Card
Crypto native
Crypto native
Verdict
- OrbitX Card and Ripio Card have the same overall score (5.8/10).
- OrbitX Card is clearly stronger on: Custody & security.
- 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.
OrbitX Card is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
Stronger on: Custody & security
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 | OrbitX Card | Ripio Card |
|---|---|---|
| Fees | 69 | 100 |
| Cashback & rewards | – | 47 |
| Availability | – | 7 |
| FX & international | 20 | – |
| Product features | 70 | 70 |
| Custody & security | 80 | 60 |
| Credit & financing | – | – |
| Limits & ATM | 42 | – |
| Transparency | 100 | 100 |
| Best for Cashback | n/a | 5.6 |
| Best for Travel | 4.6 | 5.7 |
| Best for Self-Custody | 6.8 | n/a |
| Best for DeFi Users | 6.5 | 6.4 |
| Best for Stablecoins | 6.0 | n/a |
| Best for High Spenders | 5.1 | 6.0 |
| Best for Low Fees | 5.8 | 8.0 |
| Best for Beginners | 7.2 | 6.9 |
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
Stablecoin cardShow source
Prepaid cardShow source
Network
VisaShow source
VisaShow source
Custody model
Self-custodyShow source
CustodialShow source
Tiers / plans
Neo · LuxShow source
Fees
Annual fee
$12/yearConditions apply: tap or hover for detailsShow source
Neo; Lux $30/year
Monthly fee
FreeConditions apply: tap or hover for detailsShow source
No maintenance cost
Physical card fee
$100Conditions apply: tap or hover for detailsShow source
Neo plastic card; Lux metal card $350 / included
FreeShow source
Replacement fee
$100Conditions apply: tap or hover for detailsShow source
Neo $100; Lux $199 (table columns)
FX fee
2%Conditions apply: tap or hover for detailsShow source
Up to 2% + up to $0.50, depending on card tier
Top-up fee
1%Conditions apply: tap or hover for detailsShow source
up to 1%
Crypto withdrawal fee
$2Conditions apply: tap or hover for detailsShow source
$2.00 both tiers
ATM fee
$2 + 2%Conditions apply: tap or hover for detailsShow source
plus operator's base ATM charges
Free ATM allowance
FreeShow source
Other fees & markups
Authorization and settlement fees up to $0.50 per USD transaction · Returned payment fee up to $69Show source
Cashback & rewards
Base cashback
2%Conditions apply: tap or hover for detailsShow source
Paying with crypto; 0.5% paying with ARS
Max cashback
4%Conditions apply: tap or hover for detailsShow source
New card users, first 30 days, paying with crypto
Cashback paid in
USDT, BTC or ETHShow source
Cashback type
CryptoShow source
Minimum balance
$0Show source
Credit & financing
Credit type
Crypto-backed creditShow source
Collateral assets
Digital assets designated by IssuerShow source
Interest (APR)
0%Conditions apply: tap or hover for detailsShow source
International (non-US) terms
Grace period
Unpaid obligations trigger liquidation after one calendar day; extra grace at discretionShow source
Liquidation risk
YesShow source
Availability
Available in
Argentina, BrazilConditions apply: tap or hover for detailsShow source
Footer statement, may refer to Ripio products generally
Account / spend currencies
USDShow source
Own IBAN / bank details
YesShow source
Features
Apple Pay
YesShow source
Google Pay
YesShow source
Physical card
YesConditions apply: tap or hover for detailsShow source
Not included; Neo plastic $100, Lux metal
YesShow source
Virtual card
YesShow source
YesShow source
ATM withdrawals
YesShow source
Spend stablecoins
YesShow source
Spendable assets
USDT · USDCShow source
Blockchains
Polygon · BaseConditions apply: tap or hover for detailsShow source
Solana, Tron upcoming
Limits
ATM limit
$500Conditions apply: tap or hover for detailsShow source
Neo; Lux $1,000
Spending limit
$50,000Conditions apply: tap or hover for detailsShow source
Neo per day; Lux unlimited
Annual cost at 1,500 EUR/month
OrbitX Card
- Annual & monthly fees−11 EUR
- FX costs−72 EUR
- Crypto conversion–
- ATM costs−45 EUR
- Cashbackunknown
- Net annual valuenot enough data
Ripio Card
- Annual & monthly feesunknown
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- 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