THORWallet Card vs vPay Card
Crypto native
Crypto native
Verdict
- THORWallet Card and vPay Card have the same overall score (6.8/10).
- vPay Card is clearly stronger on: Cashback & rewards, FX & international.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
THORWallet Card is a good fit for
- People who want to keep control of their keys
vPay Card is a good fit for
- Frequent travellers
Stronger on: Cashback & rewards, 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 | THORWallet Card | vPay Card |
|---|---|---|
| Fees | 98 | 100 |
| Cashback & rewards | 13 | 53 |
| Availability | 100 | – |
| FX & international | 40 | 100 |
| Product features | 70 | 70 |
| Custody & security | 80 | – |
| Credit & financing | – | – |
| Limits & ATM | 91 | – |
| Transparency | 100 | – |
| Best for Cashback | 5.0 | 6.3 |
| Best for Travel | 6.6 | 7.7 |
| Best for Self-Custody | 6.9 | n/a |
| Best for DeFi Users | 6.3 | 6.3 |
| Best for High Spenders | 4.8 | 6.7 |
| Best for Low Fees | 8.3 | 8.5 |
| Best for Beginners | 8.1 | 6.5 |
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
WaitlistConditions apply: tap or hover for detailsShow source
Early access and card waitlist
Network
MastercardShow source
Custody model
Self-custodyShow source
Tiers / plans
Basic · Premium · Swiss IBANShow source
Fees
Physical card fee
$124Conditions apply: tap or hover for detailsShow source
Premium, one-off; $99 with an invite
Virtual card fee
$5Conditions apply: tap or hover for detailsShow source
Basic; free with an invite code
FX fee
1.5%Show source
0%Conditions apply: tap or hover for detailsShow source
vPay's own FX fee
Top-up fee
FreeConditions apply: tap or hover for detailsShow source
Basic
FreeShow source
ATM fee
$1Conditions apply: tap or hover for detailsShow source
Domestic; $5 international
Cashback & rewards
Base cashback
0.5%Conditions apply: tap or hover for detailsShow source
Premium; Basic 0%
1.5%Show source
Cashback paid in
USDCShow source
Cashback type
StablecoinConditions apply: tap or hover for detailsShow source
Premium only
Interest on balance
6%Conditions apply: tap or hover for detailsShow source
Up to
Cashback-eligible spend cap
$5,000/monthConditions apply: tap or hover for detailsShow source
Spend per month
Staking / holding required for top rewards
NoShow source
Availability
Available in
GlobalConditions apply: tap or hover for detailsShow source
175+ countries including the US
Own IBAN / bank details
YesConditions apply: tap or hover for detailsShow source
Swiss IBAN account
Features
Physical card
YesConditions apply: tap or hover for detailsShow source
Premium
YesShow source
Virtual card
YesShow source
YesShow source
ATM withdrawals
YesShow source
Limits
ATM limit
$10,000Conditions apply: tap or hover for detailsShow source
Per day
Spending limit
$100,000Conditions apply: tap or hover for detailsShow source
Monthly POS limit, Basic; Premium $1,000,000
Annual cost at 1,500 EUR/month
THORWallet Card
- Annual & monthly feesunknown
- FX costs−54 EUR
- Crypto conversion–
- ATM costs−11 EUR
- Cashback+90 EUR
- Net annual valuenot enough data
vPay Card
- Annual & monthly feesunknown
- FX costs+0 EUR
- Crypto conversion–
- ATM costsunknown
- Cashback+270 EUR
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers