PayitFast Visa Card vs Pionex Card
Crypto native
Crypto native
Verdict
- PayitFast Visa Card and Pionex Card have the same overall score (6.2/10).
- PayitFast Visa Card is clearly stronger on: Cashback & rewards.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
PayitFast Visa Card is a good fit for
- No specific audience can be derived from the published data yet.
Stronger on: Cashback & rewards
Pionex Card 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 | PayitFast Visa Card | Pionex Card |
|---|---|---|
| Fees | 90 | 100 |
| Cashback & rewards | 40 | 28 |
| Availability | – | – |
| FX & international | 60 | – |
| Product features | 70 | 70 |
| Custody & security | – | 60 |
| Credit & financing | – | – |
| Limits & ATM | 56 | 60 |
| Transparency | 100 | 100 |
| Best for Cashback | 5.5 | 5.1 |
| Best for Travel | 6.4 | 6.1 |
| Best for DeFi Users | 5.9 | 6.1 |
| Best for High Spenders | 5.8 | 5.3 |
| Best for Low Fees | 7.9 | 8.2 |
| Best for Beginners | 7.2 | 7.4 |
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
Physical card on a waitlist
ActiveShow source
Network
VisaShow source
Visa / MastercardShow source
Custody model
CustodialShow source
Card issuer / program manager
Third National Bank or another Rain-designated issuer (Rain international program); PayitFast is a technology providerShow source
Tiers / plans
Standard · EliteShow source
Fees
Annual fee
FreeShow source
Monthly fee
FreeShow source
Physical card fee
$50Conditions apply: tap or hover for detailsShow source
Physical card via waitlist
Virtual card fee
$5Conditions apply: tap or hover for detailsShow source
$ read as USD; card available in USD
Replacement fee
$3Conditions apply: tap or hover for detailsShow source
Virtual; physical PVC replacement $30
FX fee
1%Show source
Crypto conversion fee
0.75%Show source
Crypto withdrawal fee
FreeConditions apply: tap or hover for detailsShow source
Network fees apply
ATM fee
$2 + 1.3%Conditions apply: tap or hover for detailsShow source
Non-USD ATM adds 1% FX
2%Conditions apply: tap or hover for detailsShow source
Pionex Visa card, physical card only; ATM operators may charge their own fee
Transfer fee
FreeConditions apply: tap or hover for detailsShow source
Internal P2P transfers
Other fees & markups
Decline fee $2 per decline (insufficient balance) · Lost-claim chargeback $35 · Card/wallet on-ramp from 2.99%Show source
Cashback & rewards
Max cashback
10%Show source
1%Conditions apply: tap or hover for detailsShow source
Pionex Visa card; no cap on eligible spending
Cashback paid in
USDTShow source
Cashback type
StablecoinShow source
Interest on balance
5%Conditions apply: tap or hover for detailsShow source
USDT balance in the Visa Card account (not USD/EUR); no subscription or staking required; only positive balances
Cashback conditions
Rate depends on which eligible asset you spend · Qualifying transactions onlyShow source
Reward expiry / vesting
Cashback and rewards are non-withdrawable; usable only for eligible card transactionsShow source
Availability
Not available in
United StatesConditions apply: tap or hover for detailsShow source
Users must reside outside the United States and not be US citizens
AF, VE, RU, MM, Ukraine, KP, IR, BYConditions apply: tap or hover for detailsShow source
Spending restriction: payments declined at merchants registered in or operating from these countries (sanctions); not a residency/application restriction
Account / spend currencies
USDShow source
Features
Apple Pay
YesShow source
Google Pay
YesShow source
Physical card
YesConditions apply: tap or hover for detailsShow source
waitlist
YesConditions apply: tap or hover for detailsShow source
Visa card; ATM only on physical card
Virtual card
YesShow source
YesConditions apply: tap or hover for detailsShow source
Pionex Mastercard is virtual only
ATM withdrawals
YesShow source
Spendable assets
BTC · USDT · ETH · SOLShow source
Limits
ATM limit
$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
Daily, Standard; Elite $5,000,000
$20,000Conditions apply: tap or hover for detailsShow source
Pionex Mastercard default per transaction and daily; monthly 100,000 USD; limit increases not supported
Security & custody
Regulation / licences
Silverleaf E-Money Services Ltd. registered with FINTRAC as Money Services Business (MSB), Registration No. M23026009 · Supervised by the Bank of Canada as a Payment Service Provider under the Retail Payment Activities Act (RPAA)Show source
Annual cost at 1,500 EUR/month
PayitFast Visa Card
- Annual & monthly fees+0 EUR
- FX costs−36 EUR
- Crypto conversion–
- ATM costs−37 EUR
- Cashbackunknown
- Net annual valuenot enough data
Pionex Card
- Annual & monthly fees+0 EUR
- FX costsunknown
- Crypto conversion–
- ATM costs−24 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