Calculator
Real annual cost & net value
Gross rewards minus subscription, FX, crypto-conversion and ATM costs — computed from published base-tier terms. If a fee is not disclosed, the result says so instead of guessing.
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MetaMask Card
Rewards 360 EUR · Costs −100 EUR
260 EUR
MetaMask Card
Rewards 360 EUR · Costs −100 EUR
260 EUR
| Annual & monthly fees | Annual fee + 12 × monthly fee (base tier) | 0 EUR |
| FX costs | 0% × 12000 foreign spend | 0 EUR |
| Crypto conversion | 0.875% × 6000 crypto-funded spend | −52 EUR |
| ATM costs | fee on the rest; assumes one withdrawal per month | −48 EUR |
| Cashback | 1% base rate | 360 EUR |
Card issuance (one-time, not included in annual net value): 0 EUR. Base tier only: no paid plan, staking or promotional rates.
Bybit Card
Rewards 360 EUR · Costs −138 EUR
222 EUR
Bybit Card
Rewards 360 EUR · Costs −138 EUR
222 EUR
| Annual & monthly fees | Annual fee + 12 × monthly fee (base tier) | 0 EUR |
| FX costs | 0.5% × 12000 foreign spend | −60 EUR |
| Crypto conversion | 0.9% × 6000 crypto-funded spend | −54 EUR |
| ATM costs | First 100 EUR/month free, then fee on the rest; assumes one withdrawal per month | −24 EUR |
| Cashback | 1% base rate | 360 EUR |
Card issuance (one-time, not included in annual net value): 5 EUR. Base tier only: no paid plan, staking or promotional rates.
bunq
Rewards 0 EUR · Costs incomplete
−36 EUR
bunq
Rewards 0 EUR · Costs incomplete
−36 EUR
| Annual & monthly fees | Annual fee + 12 × monthly fee (base tier) | 0 EUR |
| FX costs | 0% × 12000 foreign spend | 0 EUR |
| Crypto conversion | Card does not spend crypto | – |
| ATM costs | fee on the rest; assumes one withdrawal per month | −36 EUR |
| Cashback | No cashback programme | 0 EUR |
Card issuance (one-time, not included in annual net value): 99 EUR. Base tier only: no paid plan, staking or promotional rates.
N26
Rewards 0 EUR · Costs incomplete
−41 EUR
N26
Rewards 0 EUR · Costs incomplete
−41 EUR
| Annual & monthly fees | Annual fee + 12 × monthly fee (base tier) | 0 EUR |
| FX costs | 0% × 12000 foreign spend | 0 EUR |
| Crypto conversion | Card does not spend crypto | – |
| ATM costs | fee on the rest; assumes one withdrawal per month | −41 EUR |
| Cashback | 0% base rate | 0 EUR |
Card issuance (one-time, not included in annual net value): 10 EUR. Base tier only: no paid plan, staking or promotional rates.
Wise Card
Rewards 0 EUR · Costs incomplete
−52 EUR
Wise Card
Rewards 0 EUR · Costs incomplete
−52 EUR
| Annual & monthly fees | Annual fee + 12 × monthly fee (base tier) | 0 EUR |
| FX costs | 0.43% × 12000 foreign spend | −52 EUR |
| Crypto conversion | Card does not spend crypto | – |
| ATM costs | First 250 EUR/month free, then fee on the rest; assumes one withdrawal per month | 0 EUR |
| Cashback | No cashback programme | 0 EUR |
Card issuance (one-time, not included in annual net value): 7 EUR. Base tier only: no paid plan, staking or promotional rates.
Deblock Card
Rewards 0 EUR · Costs −191 EUR
−191 EUR
Deblock Card
Rewards 0 EUR · Costs −191 EUR
−191 EUR
| Annual & monthly fees | Annual fee + 12 × monthly fee (base tier) | 0 EUR |
| FX costs | 0.5% × 12000 foreign spend | −60 EUR |
| Crypto conversion | 1.99% × 6000 crypto-funded spend | −119 EUR |
| ATM costs | First 100 EUR/month free, then fee on the rest; assumes one withdrawal per month | −12 EUR |
| Cashback | 0% base rate | 0 EUR |
Card issuance fee not disclosed / no data. Base tier only: no paid plan, staking or promotional rates.
Curve Pay
Rewards 0 EUR · Costs incomplete
−407 EUR
Curve Pay
Rewards 0 EUR · Costs incomplete
−407 EUR
| Annual & monthly fees | Annual fee + 12 × monthly fee (base tier) | 0 EUR |
| FX costs | 2.99% × 12000 foreign spend | −359 EUR |
| Crypto conversion | Card does not spend crypto | – |
| ATM costs | fee on the rest; assumes one withdrawal per month | −48 EUR |
| Cashback | 0% base rate | 0 EUR |
Card issuance fee not disclosed / no data. Base tier only: no paid plan, staking or promotional rates.
Oobit
Rewards 107 EUR · Costs −657 EUR
−550 EUR
Oobit
Rewards 107 EUR · Costs −657 EUR
−550 EUR
| Annual & monthly fees | Annual fee + 12 × monthly fee (base tier) | 0 EUR |
| FX costs | 1.5% × 12000 foreign spend | −180 EUR |
| Crypto conversion | 0.95% × 6000 crypto-funded spend | −57 EUR |
| Per-transaction fees | 1% of all card spend (minimums ignored) | −360 EUR |
| ATM costs | fee on the rest; assumes one withdrawal per month | −60 EUR |
| Cashback | 5% base rate, on max 179 EUR/month | 107 EUR |
Card issuance fee not disclosed / no data. Base tier only: no paid plan, staking or promotional rates.
Ethena Pay Spend Card
Rewards 1,072 EUR · Costs incomplete
Not enough data partial 926 EUR
Ethena Pay Spend Card
Rewards 1,072 EUR · Costs incomplete
Not enough data partial 926 EUR
| Annual & monthly fees | Annual fee + 12 × monthly fee (base tier) | 0 EUR |
| FX costs | 1% × 12000 foreign spend | −120 EUR |
| Crypto conversion | Conversion fee/spread not disclosed | unknown |
| ATM costs | fee on the rest; assumes one withdrawal per month | −26 EUR |
| Cashback | 4% base rate, on max 2234 EUR/month | 1,072 EUR |
Card issuance (one-time, not included in annual net value): 0 EUR. Base tier only: no paid plan, staking or promotional rates.
Bitget Wallet Card
Rewards 720 EUR · Costs incomplete
Not enough data partial 720 EUR
Bitget Wallet Card
Rewards 720 EUR · Costs incomplete
Not enough data partial 720 EUR
| Annual & monthly fees | Annual fee + 12 × monthly fee (base tier) | 0 EUR |
| FX costs | FX fee not disclosed / no data | unknown |
| Crypto conversion | Conversion fee/spread not disclosed | unknown |
| ATM costs | ATM fee not disclosed / no data | unknown |
| Cashback | 2% base rate | 720 EUR |
Card issuance fee not disclosed / no data. Base tier only: no paid plan, staking or promotional rates.
Plasma One Card
Rewards 720 EUR · Costs incomplete
Not enough data partial 720 EUR
Plasma One Card
Rewards 720 EUR · Costs incomplete
Not enough data partial 720 EUR
| Annual & monthly fees | Not disclosed / no data | unknown |
| FX costs | FX fee not disclosed / no data | unknown |
| Crypto conversion | Conversion fee/spread not disclosed | unknown |
| ATM costs | ATM fee not disclosed / no data | unknown |
| Cashback | 2% base rate | 720 EUR |
Card issuance (one-time, not included in annual net value): 0 EUR. Base tier only: no paid plan, staking or promotional rates. Cashback valued at payout; token rewards can lose value.
Coinbase One Card
Rewards 720 EUR · Costs incomplete
Not enough data partial 675 EUR
Coinbase One Card
Rewards 720 EUR · Costs incomplete
Not enough data partial 675 EUR
| Annual & monthly fees | Annual fee + 12 × monthly fee (base tier) | −45 EUR |
| FX costs | 0% × 12000 foreign spend | 0 EUR |
| Crypto conversion | Conversion fee/spread not disclosed | unknown |
| ATM costs | ATM fee not disclosed / no data | unknown |
| Cashback | 2% base rate | 720 EUR |
Card issuance fee not disclosed / no data. Base tier only: no paid plan, staking or promotional rates.
Uphold Debit Card (US)
Rewards 720 EUR · Costs incomplete
Not enough data partial 508 EUR
Uphold Debit Card (US)
Rewards 720 EUR · Costs incomplete
Not enough data partial 508 EUR
| Annual & monthly fees | Annual fee + 12 × monthly fee (base tier) | 0 EUR |
| FX costs | 1.5% × 12000 foreign spend | −180 EUR |
| Crypto conversion | Conversion fee/spread not disclosed | unknown |
| ATM costs | fee on the rest; assumes one withdrawal per month | −32 EUR |
| Cashback | 2% base rate, capped at 107 EUR/month | 720 EUR |
Card issuance (one-time, not included in annual net value): 4 EUR. Base tier only: no paid plan, staking or promotional rates.
ether.fi Cash
Rewards 643 EUR · Costs incomplete
Not enough data partial 415 EUR
ether.fi Cash
Rewards 643 EUR · Costs incomplete
Not enough data partial 415 EUR
| Annual & monthly fees | Annual fee + 12 × monthly fee (base tier) | 0 EUR |
| FX costs | 1.5% × 12000 foreign spend | −180 EUR |
| Crypto conversion | Conversion fee/spread not disclosed | unknown |
| ATM costs | fee on the rest; assumes one withdrawal per month | −48 EUR |
| Cashback | 3% base rate, on max 1787 EUR/month | 643 EUR |
Card issuance (one-time, not included in annual net value): 54 EUR. Base tier only: no paid plan, staking or promotional rates. Cashback valued at payout; token rewards can lose value.
Bleap
Rewards 360 EUR · Costs incomplete
Not enough data partial 360 EUR
Bleap
Rewards 360 EUR · Costs incomplete
Not enough data partial 360 EUR
| Annual & monthly fees | Annual fee + 12 × monthly fee (base tier) | 0 EUR |
| FX costs | 0% × 12000 foreign spend | 0 EUR |
| Crypto conversion | Conversion fee/spread not disclosed | unknown |
| ATM costs | First 400 EUR/month free, then fee on the rest; assumes one withdrawal per month | 0 EUR |
| Cashback | 1% base rate, on max 3000 EUR/month | 360 EUR |
Card issuance (one-time, not included in annual net value): 0 EUR. Base tier only: no paid plan, staking or promotional rates.
CL Card (Ledger)
Rewards 360 EUR · Costs incomplete
Not enough data partial 360 EUR
CL Card (Ledger)
Rewards 360 EUR · Costs incomplete
Not enough data partial 360 EUR
| Annual & monthly fees | Not disclosed / no data | unknown |
| FX costs | FX fee not disclosed / no data | unknown |
| Crypto conversion | Conversion fee/spread not disclosed | unknown |
| ATM costs | ATM fee not disclosed / no data | unknown |
| Cashback | 1% base rate | 360 EUR |
Card issuance (one-time, not included in annual net value): 0 EUR. Base tier only: no paid plan, staking or promotional rates.
Bitpanda Card
Rewards 360 EUR · Costs incomplete
Not enough data partial 312 EUR
Bitpanda Card
Rewards 360 EUR · Costs incomplete
Not enough data partial 312 EUR
| Annual & monthly fees | Annual fee + 12 × monthly fee (base tier) | 0 EUR |
| FX costs | 0% × 12000 foreign spend | 0 EUR |
| Crypto conversion | Conversion fee/spread not disclosed | unknown |
| ATM costs | fee on the rest; assumes one withdrawal per month | −48 EUR |
| Cashback | 1% base rate | 360 EUR |
Card issuance (one-time, not included in annual net value): 0 EUR. Base tier only: no paid plan, staking or promotional rates.
Wirex Card
Rewards 180 EUR · Costs incomplete
Not enough data partial 180 EUR
Wirex Card
Rewards 180 EUR · Costs incomplete
Not enough data partial 180 EUR
| Annual & monthly fees | Annual fee + 12 × monthly fee (base tier) | 0 EUR |
| FX costs | 0% × 12000 foreign spend | 0 EUR |
| Crypto conversion | Conversion fee/spread not disclosed | unknown |
| ATM costs | First 200 EUR/month free, then fee on the rest; assumes one withdrawal per month | 0 EUR |
| Cashback | 0.5% base rate | 180 EUR |
Card issuance (one-time, not included in annual net value): 0 EUR. Base tier only: no paid plan, staking or promotional rates.
Trade Republic Card
Rewards 180 EUR · Costs incomplete
Not enough data partial 168 EUR
Trade Republic Card
Rewards 180 EUR · Costs incomplete
Not enough data partial 168 EUR
| Annual & monthly fees | Annual fee + 12 × monthly fee (base tier) | 0 EUR |
| FX costs | 0% × 12000 foreign spend | 0 EUR |
| Crypto conversion | Conversion fee/spread not disclosed | unknown |
| ATM costs | fee on the rest; assumes one withdrawal per month | −12 EUR |
| Cashback | 1% base rate, on max 1500 EUR/month, capped at 15 EUR/month | 180 EUR |
Card issuance (one-time, not included in annual net value): 5 EUR. Base tier only: no paid plan, staking or promotional rates.
OKX Card (EEA)
Rewards 120 EUR · Costs incomplete
Not enough data partial 114 EUR
OKX Card (EEA)
Rewards 120 EUR · Costs incomplete
Not enough data partial 114 EUR
| Annual & monthly fees | Annual fee + 12 × monthly fee (base tier) | 0 EUR |
| FX costs | 0% × 12000 foreign spend | 0 EUR |
| Crypto conversion | 0.1% × 6000 crypto-funded spend | −6 EUR |
| ATM costs | ATM fee not disclosed / no data | unknown |
| Cashback | 2% base rate, capped at 10 EUR/month | 120 EUR |
Card issuance (one-time, not included in annual net value): 0 EUR. Base tier only: no paid plan, staking or promotional rates.
Tangem Pay
Rewards 360 EUR · Costs incomplete
Not enough data partial 84 EUR
Tangem Pay
Rewards 360 EUR · Costs incomplete
Not enough data partial 84 EUR
| Annual & monthly fees | Annual fee + 12 × monthly fee (base tier) | 0 EUR |
| FX costs | 1.5% × 12000 foreign spend | −180 EUR |
| Crypto conversion | Conversion fee/spread not disclosed | unknown |
| ATM costs | fee on the rest; assumes one withdrawal per month | −96 EUR |
| Cashback | 1% base rate, on max 8934 EUR/month, capped at 89 EUR/month | 360 EUR |
Card issuance (one-time, not included in annual net value): 0 EUR. Base tier only: no paid plan, staking or promotional rates.
KAST
Rewards 322 EUR · Costs incomplete
Not enough data partial 31 EUR
KAST
Rewards 322 EUR · Costs incomplete
Not enough data partial 31 EUR
| Annual & monthly fees | Annual fee + 12 × monthly fee (base tier) | 0 EUR |
| FX costs | 1.75% × 12000 foreign spend | −210 EUR |
| Crypto conversion | Conversion fee/spread not disclosed | unknown |
| ATM costs | fee on the rest; assumes one withdrawal per month | −80 EUR |
| Cashback | 1.5% base rate, on max 1787 EUR/month | 322 EUR |
Card issuance (one-time, not included in annual net value): 36 EUR. Base tier only: no paid plan, staking or promotional rates.
Coinbase Card
Rewards — · Costs incomplete
Not enough data partial 0 EUR
Coinbase Card
Rewards — · Costs incomplete
Not enough data partial 0 EUR
| Annual & monthly fees | Annual fee + 12 × monthly fee (base tier) | 0 EUR |
| FX costs | FX fee not disclosed / no data | unknown |
| Crypto conversion | Conversion fee/spread not disclosed | unknown |
| ATM costs | ATM fee not disclosed / no data | unknown |
| Cashback | No base cashback rate published (only 'up to' or none) | unknown |
Card issuance fee not disclosed / no data. Base tier only: no paid plan, staking or promotional rates.
Crypto.com Visa Card (EEA)
Rewards 0 EUR · Costs incomplete
Not enough data partial 0 EUR
Crypto.com Visa Card (EEA)
Rewards 0 EUR · Costs incomplete
Not enough data partial 0 EUR
| Annual & monthly fees | Annual fee + 12 × monthly fee (base tier) | 0 EUR |
| FX costs | FX fee not disclosed / no data | unknown |
| Crypto conversion | Conversion fee/spread not disclosed | unknown |
| ATM costs | First 200 EUR/month free, then fee on the rest; assumes one withdrawal per month | 0 EUR |
| Cashback | 0% base rate | 0 EUR |
Card issuance (one-time, not included in annual net value): 5 EUR. Base tier only: no paid plan, staking or promotional rates. Cashback valued at payout; token rewards can lose value.
Mine Card
Rewards 0 EUR · Costs incomplete
Not enough data partial 0 EUR
Mine Card
Rewards 0 EUR · Costs incomplete
Not enough data partial 0 EUR
| Annual & monthly fees | Annual fee + 12 × monthly fee (base tier) | 0 EUR |
| FX costs | FX fee not disclosed / no data | unknown |
| Crypto conversion | Conversion fee/spread not disclosed | unknown |
| ATM costs | ATM fee not disclosed / no data | unknown |
| Cashback | 0% base rate | 0 EUR |
Card issuance (one-time, not included in annual net value): 111 EUR. Base tier only: no paid plan, staking or promotional rates.
Revolut
Rewards 0 EUR · Costs incomplete
Not enough data partial 0 EUR
Revolut
Rewards 0 EUR · Costs incomplete
Not enough data partial 0 EUR
| Annual & monthly fees | Annual fee + 12 × monthly fee (base tier) | 0 EUR |
| FX costs | 0% × 12000 foreign spend | 0 EUR |
| Crypto conversion | Conversion fee/spread not disclosed | unknown |
| ATM costs | First 200 EUR/month free, then fee on the rest; assumes one withdrawal per month | 0 EUR |
| Cashback | 0% base rate | 0 EUR |
Card issuance fee not disclosed / no data. Base tier only: no paid plan, staking or promotional rates.
Tria Card
Rewards 16 EUR · Costs incomplete
Not enough data partial −19 EUR
Tria Card
Rewards 16 EUR · Costs incomplete
Not enough data partial −19 EUR
| Annual & monthly fees | Not disclosed / no data | unknown |
| FX costs | 0% × 12000 foreign spend | 0 EUR |
| Crypto conversion | Conversion fee/spread not disclosed | unknown |
| ATM costs | fee on the rest; assumes one withdrawal per month | −35 EUR |
| Cashback | 1.5% base rate, on max 89 EUR/month | 16 EUR |
Card issuance (one-time, not included in annual net value): 97 EUR. Base tier only: no paid plan, staking or promotional rates.
Holyheld Card
Rewards — · Costs incomplete
Not enough data partial −60 EUR
Holyheld Card
Rewards — · Costs incomplete
Not enough data partial −60 EUR
| Annual & monthly fees | Annual fee + 12 × monthly fee (base tier) | 0 EUR |
| FX costs | FX fee not disclosed / no data | unknown |
| Crypto conversion | 1% × 6000 crypto-funded spend | −60 EUR |
| ATM costs | ATM fee not disclosed / no data | unknown |
| Cashback | No base cashback rate published (only 'up to' or none) | unknown |
Card issuance fee not disclosed / no data. Base tier only: no paid plan, staking or promotional rates.
Nexo Card
Rewards 180 EUR · Costs incomplete
Not enough data partial −60 EUR
Nexo Card
Rewards 180 EUR · Costs incomplete
Not enough data partial −60 EUR
| Annual & monthly fees | Annual fee + 12 × monthly fee (base tier) | 0 EUR |
| FX costs | 2% × 12000 foreign spend | −240 EUR |
| Crypto conversion | Conversion fee/spread not disclosed | unknown |
| ATM costs | First 200 EUR/month free, then fee on the rest; assumes one withdrawal per month | 0 EUR |
| Cashback | 0.5% base rate | 180 EUR |
Card issuance (one-time, not included in annual net value): 0 EUR. Base tier only: no paid plan, staking or promotional rates. Cashback valued at payout; token rewards can lose value.
Tuyo Card
Rewards — · Costs incomplete
Not enough data partial −120 EUR
Tuyo Card
Rewards — · Costs incomplete
Not enough data partial −120 EUR
| Annual & monthly fees | Annual fee + 12 × monthly fee (base tier) | 0 EUR |
| FX costs | 1% × 12000 foreign spend | −120 EUR |
| Crypto conversion | Conversion fee/spread not disclosed | unknown |
| ATM costs | ATM fee not disclosed / no data | unknown |
| Cashback | No base cashback rate published (only 'up to' or none) | unknown |
Card issuance (one-time, not included in annual net value): 0 EUR. Base tier only: no paid plan, staking or promotional rates.
Avici Card
Rewards 0 EUR · Costs incomplete
Not enough data partial −146 EUR
Avici Card
Rewards 0 EUR · Costs incomplete
Not enough data partial −146 EUR
| Annual & monthly fees | Annual fee + 12 × monthly fee (base tier) | 0 EUR |
| FX costs | 1% × 12000 foreign spend | −120 EUR |
| Crypto conversion | Conversion fee/spread not disclosed | unknown |
| ATM costs | fee on the rest; assumes one withdrawal per month | −26 EUR |
| Cashback | No cashback programme | 0 EUR |
Card issuance (one-time, not included in annual net value): 45 EUR. Base tier only: no paid plan, staking or promotional rates.
RedotPay
Rewards — · Costs −252 EUR
Not enough data partial −252 EUR
RedotPay
Rewards — · Costs −252 EUR
Not enough data partial −252 EUR
| Annual & monthly fees | Annual fee + 12 × monthly fee (base tier) | 0 EUR |
| FX costs | 1.2% × 12000 foreign spend | −144 EUR |
| Crypto conversion | 1% × 6000 crypto-funded spend | −60 EUR |
| ATM costs | fee on the rest; assumes one withdrawal per month | −48 EUR |
| Cashback | No base cashback rate published (only 'up to' or none) | unknown |
Card issuance (one-time, not included in annual net value): 89 EUR. Base tier only: no paid plan, staking or promotional rates.
Binance Card
Rewards — · Costs incomplete
Not enough data partial −256 EUR
Binance Card
Rewards — · Costs incomplete
Not enough data partial −256 EUR
| Annual & monthly fees | Annual fee + 12 × monthly fee (base tier) | 0 EUR |
| FX costs | 2% × 12000 foreign spend | −240 EUR |
| Crypto conversion | Conversion fee/spread not disclosed | unknown |
| ATM costs | fee on the rest; assumes one withdrawal per month | −16 EUR |
| Cashback | No base cashback rate published (only 'up to' or none) | unknown |
Card issuance (one-time, not included in annual net value): 0 EUR. Base tier only: no paid plan, staking or promotional rates.
Xapo Bank Card
Rewards — · Costs −926 EUR
Not enough data partial −926 EUR
Xapo Bank Card
Rewards — · Costs −926 EUR
Not enough data partial −926 EUR
| Annual & monthly fees | Annual fee + 12 × monthly fee (base tier) | −893 EUR |
| FX costs | 0% × 12000 foreign spend | 0 EUR |
| Crypto conversion | 0.1% × 6000 crypto-funded spend | −6 EUR |
| ATM costs | First 89 EUR/month free, then fee on the rest; assumes one withdrawal per month | −27 EUR |
| Cashback | No base cashback rate published (only 'up to' or none) | unknown |
Card issuance (one-time, not included in annual net value): 0 EUR. Base tier only: no paid plan, staking or promotional rates.
Method
Net value = base cashback (respecting published spend caps) − annual & monthly fees − FX fee × foreign spend − conversion fee × crypto-funded spend − ATM fees beyond the free allowance. Paid tiers, staking boosts and promotions are excluded because they come with extra cost or risk. Token rewards are valued at payout.