Winity Card vs XSPA Card
Crypto native
Crypto native
Verdict
- Winity Card and XSPA Card have the same overall score (7.2/10).
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Winity Card is a good fit for
- No specific audience can be derived from the published data yet.
XSPA 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 | Winity Card | XSPA Card |
|---|---|---|
| Fees | 98 | 100 |
| Cashback & rewards | – | – |
| Availability | 100 | 100 |
| FX & international | – | – |
| Product features | 70 | 70 |
| Custody & security | – | – |
| Credit & financing | – | – |
| Limits & ATM | – | – |
| Transparency | 100 | 100 |
| Best for Low Fees | 7.9 | 8.0 |
| Best for Beginners | 8.2 | 8.3 |
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
Prepaid cardShow source
Network
VisaShow source
VisaShow source
Tiers / plans
Exclusive Virtual · Exclusive Physical · Executive MetalShow source
Fees
Annual fee
$20/yearConditions apply: tap or hover for detailsShow source
Exclusive physical card; virtual free
Top-up fee
FreeConditions apply: tap or hover for detailsShow source
USDT and USDC; other assets converted at 5%
FreeShow source
Cashback & rewards
Cashback type
PointsShow source
Availability
Available in
GlobalConditions apply: tap or hover for detailsShow source
180+ countries
GlobalConditions apply: tap or hover for detailsShow source
200+ countries
Account / spend currencies
USDT · USDCShow source
Features
Google Pay
YesShow source
Physical card
YesShow source
YesShow source
Virtual card
YesShow source
YesShow source
ATM withdrawals
YesShow source
Annual cost at 1,500 EUR/month
Winity Card
- Annual & monthly fees−18 EUR
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashbackunknown
- Net annual valuenot enough data
XSPA Card
- Annual & monthly feesunknown
- FX costsunknown
- 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