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PayitFast Visa Card vs Wayex Card

PayitFast Visa Card

Crypto native

6.2
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Wayex Card

Crypto native

6.2
Get the card

Verdict

  • PayitFast Visa Card and Wayex Card have the same overall score (6.2/10).
  • Wayex 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.

PayitFast Visa Card is a good fit for

  • No specific audience can be derived from the published data yet.

Wayex Card is a good fit for

  • Stablecoin holders
  • Frequent travellers

Stronger on: FX & international

★ Our pickEditorial choice · score unchanged · Affiliate link

Neither card is our pick. The card we recommend instead:

ether.fi Cash

Crypto native · ether.fi

8.1

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
Get the card
Review & sourcesPayitFast Visa Card vs ether.fi CashWayex Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionPayitFast Visa CardWayex Card
Fees9087
Cashback & rewards40–
Availability–3
FX & international60100
Product features7070
Custody & security–70
Credit & financing––
Limits & ATM56–
Transparency100100
Best for Cashback5.5n/a
Best for Travel6.47.3
Best for DeFi Users5.96.9
Best for Stablecoinsn/a7.9
Best for High Spenders5.8n/a
Best for Low Fees7.98.7
Best for Beginners7.26.7

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

Card type

No data yet
Prepaid cardShow source

Network

VisaShow source
VisaShow source

Custody model

No data yet
HybridConditions apply: tap or hover for detailsShow source

Custodial by default; optional self-custody

Card issuer / program manager

Third National Bank or another Rain-designated issuer (Rain international program); PayitFast is a technology providerShow source
Lead Bank (issuer); Bridge, a Stripe company (program manager)Show source

Tiers / plans

Standard · EliteShow source
No data yet

Fees

Monthly fee

FreeShow source
FreeShow source

Physical card fee

$50Conditions apply: tap or hover for detailsShow source

Physical card via waitlist

No data yet

Virtual card fee

$5Conditions apply: tap or hover for detailsShow source

$ read as USD; card available in USD

FreeShow source

Replacement fee

$3Conditions apply: tap or hover for detailsShow source

Virtual; physical PVC replacement $30

No data yet

FX fee

1%Show source
0%Conditions apply: tap or hover for detailsShow source

Statement concerns use overseas; FAQ may describe an older AUD card (other Wayex page describes USD card with 1.5% non-USD FX fee)

Crypto conversion fee

0.75%Show source
1%Conditions apply: tap or hover for detailsShow source

Crypto-to-AUD transaction fee at point of sale; plus 1% fee for buying and selling crypto

Top-up fee

No data yet
0.1%Conditions apply: tap or hover for detailsShow source

USDT deposits only; DAI/USDC deposits 1:1 no fee

Crypto withdrawal fee

FreeConditions apply: tap or hover for detailsShow source

Network fees apply

No data yet

ATM fee

$2 + 1.3%Conditions apply: tap or hover for detailsShow source

Non-USD ATM adds 1% FX

No data yet

Transfer fee

FreeConditions apply: tap or hover for detailsShow source

Internal P2P transfers

No data yet

Other fees & markups

Decline fee $2 per decline (insufficient balance) · Lost-claim chargeback $35 · Card/wallet on-ramp from 2.99%Show source
1% fee for buying and selling crypto · No deposit or withdrawal fees · Replacement card free once lifetime spend limit reachedShow source

Cashback & rewards

Max cashback

10%Show source
No data yet

Cashback paid in

USDTShow source
No data yet

Cashback type

StablecoinShow source
No data yet

Interest on balance

No data yet
5%Conditions apply: tap or hover for detailsShow source

Up to, on liquid stablecoin balance

Cashback conditions

Rate depends on which eligible asset you spend · Qualifying transactions onlyShow source
No data yet

Reward expiry / vesting

Cashback and rewards are non-withdrawable; usable only for eligible card transactionsShow source
No data yet

Availability

Available in

No data yet
AustraliaConditions apply: tap or hover for detailsShow source

Eligible: Australian citizens or people living at an Australian address, 18+

Not available in

United StatesConditions apply: tap or hover for detailsShow source

Users must reside outside the United States and not be US citizens

No data yet

Account / spend currencies

USDShow source
AUDConditions apply: tap or hover for detailsShow source

Crypto converted to AUD at point of sale; AUD deposits

Features

Apple Pay

YesShow source
YesShow source

Google Pay

YesShow source
YesShow source

Physical card

YesConditions apply: tap or hover for detailsShow source

waitlist

YesConditions apply: tap or hover for detailsShow source

Where supported

Virtual card

YesShow source
YesShow source

ATM withdrawals

YesShow source
No data yet

Spend stablecoins

No data yet
YesShow source

Spendable assets

BTC · USDT · ETH · SOLShow source
USDC · USDT · DAI · PYUSDConditions apply: tap or hover for detailsShow source

Deposited and converted to one USD balance

Blockchains

No data yet
Ethereum · Solana · Base · Arbitrum · Avalanche · Optimism · Polygon · Stellar · Tron · CelestiaShow source

Limits

ATM limit

$2,000Conditions apply: tap or hover for detailsShow source

Per withdrawal, PVC card; higher for metal/jewellery cards

No data yet

Spending limit

$100,000Conditions apply: tap or hover for detailsShow source

Daily, Standard; Elite $5,000,000

No data yet

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
No data yet

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

Wayex Card

  • Annual & monthly fees+0 EUR
  • FX costs+0 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

More PayitFast Visa Card comparisons

    More Wayex Card comparisons