Crypto.com Visa Card (EEA) vs Solayer Pay
Crypto native
Crypto native
Verdict
- Solayer Pay scores higher overall (6.2 vs 6.1 out of 10).
- Crypto.com Visa Card (EEA) is clearly stronger on: Availability.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Crypto.com Visa Card (EEA) is a good fit for
- No specific audience can be derived from the published data yet.
Stronger on: Availability
Solayer Pay is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
★ 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 | Crypto.com Visa Card (EEA) | Solayer Pay |
|---|---|---|
| Fees | 87 | 83 |
| Cashback & rewards | 9 | – |
| Availability | 100 | 50 |
| FX & international | – | 40 |
| Product features | 70 | 70 |
| Custody & security | – | 80 |
| Credit & financing | 30 | 30 |
| Limits & ATM | 64 | – |
| Transparency | 100 | 100 |
| Best for Cashback | 4.4 | n/a |
| Best for Travel | 6.3 | 5.6 |
| Best for Self-Custody | n/a | 7.2 |
| Best for DeFi Users | 4.9 | 6.5 |
| Best for Stablecoins | n/a | 6.8 |
| Best for High Spenders | 4.2 | 5.5 |
| Best for Low Fees | 7.6 | 7.0 |
| Best for Beginners | 7.6 | 7.5 |
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
ActiveShow source
Card type
Prepaid cardShow source
Stablecoin cardShow source
Network
VisaShow source
VisaShow source
Custody model
Self-custodyShow source
Card issuer / program manager
Foris MT Limited (Malta)Show source
Tiers / plans
Basic (previously Midnight) · Plus (previously Ruby) · Pro (previously Jade/Indigo) · Private (previously Icy/Rose/Obsidian)Show source
Fees
Annual fee
$20/yearConditions apply: tap or hover for detailsShow source
Membership; covers the virtual card for 12 months
Monthly fee
FreeConditions apply: tap or hover for detailsShow source
Free tier; paid tiers from €3.99/month (€39.90/year) to €24.99/month, or unlocked via 12-month CRO staking
Physical card fee
€4.99Conditions apply: tap or hover for detailsShow source
Midnight/Basic tier; Ruby €24.99 or free depending on Level Up plan/stake
FreeConditions apply: tap or hover for detailsShow source
Card free; shipping $24.99 (US Express) or $59.99 (International Express)
Replacement fee
€45.01Conditions apply: tap or hover for detailsShow source
Midnight; other tiers €50
FX fee
1.5%Conditions apply: tap or hover for detailsShow source
Plus $0.10 per international transaction
Top-up fee
1%Conditions apply: tap or hover for detailsShow source
Only for top-ups with debit/credit card; minimum top-up €20
1%Show source
ATM fee
2%Conditions apply: tap or hover for detailsShow source
Above the monthly free ATM limit; ATM provider surcharges may apply
Free ATM allowance
€200/monthConditions apply: tap or hover for detailsShow source
Free tier, per month; €400 Ruby Steel, €800 Jade Green/Royal Indigo and Icy White/Rose Gold, €1,000 Obsidian
Settlement fee
$0.15Conditions apply: tap or hover for detailsShow source
Per USD transaction
Other fees & markups
Inactivity fee €6 per month after 12 months without card activity (€5 before 1 Oct 2026) · Account closure fee €50Show source
Card deactivated after 6 months of inactivity; a new card must be issuedShow source
Cashback & rewards
Base cashback
0%Conditions apply: tap or hover for detailsShow source
Free tier
Max cashback
4.5%Conditions apply: tap or hover for detailsShow source
Highest tier; monthly caps apply by tier
Cashback paid in
CROShow source
Cashback type
Platform tokenShow source
PointsShow source
Interest on balance
5%Conditions apply: tap or hover for detailsShow source
4–5% on sUSD, a Treasury-backed stablecoin users can opt into
Cashback conditions
Every transaction earns Solayer Card Points (Season 2), which unlock future $LAYER token rewards, partner airdrops and exclusive perks, and access to beta tests, merch and VIP events · Referrers earn 10% of their referrals' points, indefinitelyConditions apply: tap or hover for detailsShow source
Season 2 of the Points Program; partner campaigns (Sonic, OpenEden, Solana ID and more) offer extra perks and rewards
Staking / holding required for top rewards
YesConditions apply: tap or hover for detailsShow source
Higher tiers via subscription or 12-month CRO staking
Staking asset
CROShow source
Capital required for top rewards
€450,000Conditions apply: tap or hover for detailsShow source
Obsidian tier (4.5%); 12-month lockup
Reward exclusions
Certain merchant categories or channels are excluded from CRO RewardsShow source
Credit & financing
Credit line
NoConditions apply: tap or hover for detailsShow source
prepaid card, must be topped up
NoShow source
Spend own balance directly
YesConditions apply: tap or hover for detailsShow source
Spends USDC balance directly, no pre-conversion
Availability
Available in
EEAShow source
GlobalConditions apply: tap or hover for detailsShow source
Except the excluded countries and 17 US states
Not available in
AF, AL, AD, Australia, Austria, BY, Belgium, BA, Bulgaria, BF, BI, KH, Canada, CF, CN, Croatia, CU, Cyprus, Czechia, CD, Denmark, ER, Estonia, Finland, France, GE, Germany, Greece, GN, GW, HT, Hungary, Iceland, India, Indonesia, IR, IQ, Ireland, Israel, Italy, JM, JO, XK, LA, Latvia, LB, LR, LY, Lithuania, Luxembourg, Malaysia, ML, Malta, MD, MC, ME, MA, MZ, MM, Netherlands, New Zealand, NI, Nigeria, KP, Norway, PS, Poland, Portugal, QA, Romania, RU, SM, RS, Slovakia, SO, South Africa, South Korea, Spain, SD, Sweden, Switzerland, SY, Thailand, Turkey, UG, Ukraine, United Arab Emirates, United Kingdom, VU, VE, EH, YE, PW, NP, VietnamConditions apply: tap or hover for detailsShow source
Residents or citizens, regardless of current residence
Account / spend currencies
EURShow source
Features
Apple Pay
YesConditions apply: tap or hover for detailsShow source
EU: available; not available in UK or Bahrain
YesShow source
Google Pay
YesConditions apply: tap or hover for detailsShow source
EU: Google Wallet available, Samsung Wallet not available
YesShow source
Physical card
YesShow source
Virtual card
YesShow source
ATM withdrawals
YesShow source
YesShow source
Spend stablecoins
YesShow source
Airport lounge access
NoConditions apply: tap or hover for detailsShow source
Not included on the entry tier (Midnight Blue); only higher tiers (Jade Green/Royal Indigo with annual subscription, capped 2x/year; Icy White/Rose Gold/Obsidian)
Spendable assets
USDCShow source
Blockchains
Solayer ChainShow source
Limits
ATM limit
€2,000Conditions apply: tap or hover for detailsShow source
Daily; monthly €10,000, yearly €75,000; max 3 withdrawals per day
$250Conditions apply: tap or hover for detailsShow source
Per withdrawal, incl. ATM surcharges; at most three attempts per 24 hours
Spending limit
€25,000Conditions apply: tap or hover for detailsShow source
Daily €25,000, monthly €25,000, yearly €250,000; card max balance €25,000
Security & custody
Regulation / licences
Foris MT Limited: electronic money institution authorised by the Malta Financial Services Authority · Foris DAX MT Limited: MiCA crypto-asset service provider authorised by the MFSAShow source
Annual cost at 1,500 EUR/month
Crypto.com Visa Card (EEA)
- Annual & monthly fees+0 EUR
- FX costsunknown
- Crypto conversion–
- ATM costs+0 EUR
- Cashback+0 EUR
- Net annual valuenot enough data
Solayer Pay
- Annual & monthly fees−18 EUR
- FX costs−54 EUR
- Crypto conversion–
- Per-transaction feesunknown
- 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