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Bringin Card vs Ethena Pay Spend Card

Bringin Card

Crypto native

7.3
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Ethena Pay Spend Card

Crypto native

7.6
Get the card

Verdict

  • Ethena Pay Spend Card scores higher overall (7.6 vs 7.3 out of 10).
  • Bringin Card is clearly stronger on: Availability, FX & international.
  • Ethena Pay Spend Card is clearly stronger on: Fees, Credit & financing.
  • A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.

Bringin Card is a good fit for

  • Frequent travellers

Stronger on: Availability, FX & international

Ethena Pay Spend Card is a good fit for

  • People who want to keep control of their keys
  • Users who need credit rather than a debit/prepaid card
  • Everyday spenders who want cashback

Stronger on: Fees, Credit & financing

★ 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
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Review & sourcesBringin Card vs ether.fi CashEthena Pay Spend Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionBringin CardEthena Pay Spend Card
Fees80100
Cashback & rewards–89
Availability10053
FX & international10060
Product features5653
Custody & security7070
Credit & financing3075
Limits & ATM–78
Transparency10093
Best for Cashbackn/a8.2
Best for Travel8.07.2
Best for Self-Custodyn/a7.6
Best for DeFi Users6.37.8
Best for High Spenders6.38.2
Best for Low Fees8.48.6
Best for Beginners7.77.6
Best Crypto Credit Cardn/a8.2

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
ActiveConditions apply: tap or hover for detailsShow source

Beta; live in 48 countries, more announced

Card type

Debit cardShow source
Crypto-backed creditConditions apply: tap or hover for detailsShow source

Secured: collateral in your linked self-custodial wallet secures card charges

Network

VisaShow source
VisaShow source

Custody model

HybridConditions apply: tap or hover for detailsShow source

Bitcoin stays in the user's own wallet; euros are held in the card's vIBAN

Self-custodyShow source

Card issuer / program manager

Infrastructure by Lightspark Payments Europe AS (MiCA-authorized CASP)Show source
Third National (issuer); program managed by Signify Holdings, Inc. d/b/a Rain; access via Ethena Pay Ltd. (Malta)Show source

Tiers / plans

No data yet
Standard · Pro · VIPShow source

Fees

Annual fee

€37.69/yearConditions apply: tap or hover for detailsShow source

Paid annually (10% discount); otherwise €3.49 a month

FreeConditions apply: tap or hover for detailsShow source

No recurring subscription or account fees for a standard account

Monthly fee

€3.49/monthConditions apply: tap or hover for detailsShow source

Monthly payment; €37.69 when paid annually

FreeShow source

Physical card fee

FreeShow source
No data yet

Virtual card fee

FreeShow source
FreeShow source

Replacement fee

No data yet
FreeShow source

FX fee

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

Card-network conversion fee passed through at cost, typically around 1% and varying by currency; no Ethena Pay markup; USD spend has no conversion cost

Crypto conversion fee

1%Conditions apply: tap or hover for detailsShow source

Bitcoin to euro

No data yet

ATM fee

No data yet
$1 + 0.65%Conditions apply: tap or hover for detailsShow source

Only where ATM access is available; ATM operator surcharges extra

Settlement fee

FreeShow source
No data yet

Other fees & markups

No data yet
Late payment fee up to $40 · Returned payment fee $29 · ATM operator surcharges · Gas fees of liquidation transactions paid from collateralShow source

Cashback & rewards

Base cashback

No data yet
4%Conditions apply: tap or hover for detailsShow source

Standard tier on the first $2,500 of monthly spend; 1% from $2,500 to $4,000; 0% above

Max cashback

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

VIP tier on the first $20,000 of monthly spend; Pro 4.5% on the first $8,000

Cashback paid in

No data yet
AVAXShow source

Cashback type

No data yet
CryptoShow source

Interest on balance

No data yet
6%Conditions apply: tap or hover for detailsShow source

Up to 6% on dollar balance, variable; the Boost portion only up to the tier's Boost Cap and requires at least one qualifying card transaction per month

Cashback-eligible spend cap

No data yet
$2,500/monthConditions apply: tap or hover for detailsShow source

Standard: headline rate on the first $2,500 per calendar month; Pro $8,000, VIP $20,000; lower rates above

Cashback conditions

No data yet
Rate depends on tier and steps down with monthly spend (bands reset each calendar month) · Transactions under $1.00 earn no cashback · Paid daily after the transaction settlesShow source

Reward exclusions

No data yet
Cash advances, ATM withdrawals, money orders, traveler's checks and cash equivalents · Purchases of crypto, stablecoins, NFTs, securities, foreign currency · Gambling, wagering, lottery, gaming · Gift card and stored-value purchases · Peer-to-peer transfers and remittances · Account funding, loan/credit repayments, balance transfers, insurance premiums · Fees, taxes, fines and payments to government agencies · Returned, refunded or charged-back transactionsConditions apply: tap or hover for detailsShow source

Eligibility follows the MCC assigned by the card network

Credit & financing

Credit line

NoShow source
YesConditions apply: tap or hover for detailsShow source

Secured by your own collateral

Credit type

No data yet
Crypto-backed creditShow source

Interest (APR)

No data yet
0%Conditions apply: tap or hover for detailsShow source

Purchases; issuer and Ethena Pay may introduce interest on new purchases with prior notice

Interest notes

No data yet
Currently 0% interest on all purchases; Issuer and Ethena Pay may introduce interest on new purchases in future with prior disclosureShow source

Grace period

No data yet
Outstanding payment obligation must be paid within one calendar day, otherwise a Liquidation Event occurs; additional grace period at discretionShow source

Repayment

No data yet
Repay Ethena Pay for card charges per User Agreement by permitted means in the Ethena Pay Account; prepayment without penaltyShow source

Liquidation risk

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

Collateral can be liquidated after a Liquidation Event (e.g. unpaid charges)

Availability

Available in

EEAConditions apply: tap or hover for detailsShow source

Anyone 18+ with a valid ID from an EEA country

Argentina, BZ, BO, Brazil, Colombia, CR, EC, SV, GT, GY, HN, Mexico, PA, PY, Peru, SR, UY, AG, BS, BB, KY, DM, DO, GD, KN, LC, VC, TT, TC, Hong Kong, Japan, Malaysia, PK, Philippines, Singapore, Thailand, United Arab Emirates, CI, EG, GH, Kenya, MA, SN, South Africa, UG, ZM, Australia, New ZealandConditions apply: tap or hover for detailsShow source

Beta. Announced as coming soon: USA, EU, UK, Switzerland, Canada, Taiwan, South Korea

Not available in

No data yet
United StatesConditions apply: tap or hover for detailsShow source

Not available to U.S. citizens, U.S. residents or other U.S. persons; other restricted jurisdictions per Ethena Pay Terms of Use

Account / spend currencies

EUR · BTCShow source
No data yet

Own IBAN / bank details

YesConditions apply: tap or hover for detailsShow source

Personal euro vIBAN

YesConditions apply: tap or hover for detailsShow source

Virtual account (IBAN) not yet available in BB, JP, MY, PK, MA, SN, UG, AU, NZ

Features

Apple Pay

NoConditions apply: tap or hover for detailsShow source

Only through the Curve app; direct support planned

YesShow source

Google Pay

YesShow source
NoConditions apply: tap or hover for detailsShow source

Announced as available soon

Physical card

YesShow source
No data yet

Virtual card

YesShow source
YesShow source

ATM withdrawals

YesShow source
YesConditions apply: tap or hover for detailsShow source

Availability limited and depends on card, device and country

Spendable assets

BTC (on-chain and Lightning) · EURShow source
No data yet

Blockchains

No data yet
Ethereum · Polygon · Optimism · ArbitrumConditions apply: tap or hover for detailsShow source

Supported blockchains for collateral; list may be updated by issuer

Limits

ATM limit

€350Conditions apply: tap or hover for detailsShow source

Per day; €3,000 a month

No data yet

Spending limit

€10,000Conditions apply: tap or hover for detailsShow source

Per day, standard KYC level; €15,000 a month

No data yet

Security & custody

Deposit protection

No data yet
NoShow source

Smart-contract risk

No data yet
YesShow source

Annual cost at 1,500 EUR/month

Bringin Card

  • Annual & monthly fees−80 EUR
  • FX costs+0 EUR
  • Crypto conversion–
  • Per-transaction fees+0 EUR
  • ATM costsunknown
  • Cashbackunknown
  • Net annual valuenot enough data

Ethena Pay Spend Card

  • Annual & monthly fees+0 EUR
  • FX costs−36 EUR
  • Crypto conversion–
  • ATM costs−19 EUR
  • Cashback+720 EUR
  • Net annual value665 EUR

Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers

More Bringin Card comparisons

More Ethena Pay Spend Card comparisons