savebackcards.com
DEEN

imToken Card vs Oobit

imToken Card

Crypto native

5.6
Get the card
Oobit

Crypto native

8.0
Get the card

Verdict

  • Oobit scores higher overall (8.0 vs 5.6 out of 10).
  • imToken Card is clearly stronger on: Fees, FX & international.
  • Oobit is clearly stronger on: Cashback & rewards, Custody & security.
  • A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.

imToken Card is a good fit for

  • Stablecoin holders
  • Frequent travellers

Stronger on: Fees, FX & international

Oobit is a good fit for

  • People who want to keep control of their keys
  • Stablecoin holders
  • Everyday spenders who want cashback

Stronger on: Cashback & rewards, Custody & security

★ 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
Get the card
Review & sourcesimToken Card vs ether.fi CashOobit vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionimToken CardOobit
Fees8871
Cashback & rewards0100
Availability–100
FX & international10040
Product features–90
Custody & security7095
Credit & financing3030
Limits & ATM–50
Transparency10093
Best for Cashback3.78.9
Best for Travel7.16.6
Best for Self-Custodyn/a8.6
Best for DeFi Users5.47.9
Best for Stablecoins6.87.8
Best for High Spenders4.47.4
Best for Low Fees8.76.3
Best for Beginners6.59.0

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

Debit cardConditions apply: tap or hover for detailsShow source

Spends the Fiat24 multi-currency cash account

No data yet

Network

MastercardShow source
VisaShow source

Custody model

HybridConditions apply: tap or hover for detailsShow source

Tokens in the self-custodial imToken wallet; top-ups become a fiat cash account at Fiat24

Self-custodyConditions apply: tap or hover for detailsShow source

Crypto stays in your wallet until the moment you pay

Card issuer / program manager

Fiat24 (Switzerland)Show source
Third National (issuer, under license from Visa); program provided by Oobit Technologies UABShow source

Fees

Annual fee

FreeShow source
FreeConditions apply: tap or hover for detailsShow source

No fee for the card itself

Virtual card fee

FreeConditions apply: tap or hover for detailsShow source

Account NFT minting fee 0.001 ETH applies

No data yet

FX fee

0%Show source
1.5%Conditions apply: tap or hover for detailsShow source

Up to 1.5% on non-USD purchases

Crypto conversion fee

No data yet
0.95%Conditions apply: tap or hover for detailsShow source

Swaps; 3% when swapping into OOB

Top-up fee

1%Conditions apply: tap or hover for detailsShow source

Token top-ups; fiat deposits free

No data yet

ATM fee

No data yet
2.5% (min. $0.25)Conditions apply: tap or hover for detailsShow source

Plus ATM operator fees

Settlement fee

No data yet
1% (min. $0.25)Conditions apply: tap or hover for detailsShow source

Per card payment (Brazil: 1%, no minimum)

Other fees & markups

Account NFT minting fee 0.001 ETH · Additional charges may apply for settlements and exchange rate discrepanciesShow source
Oobit transaction fee $0.25 or 1% (whichever is higher) per transaction · Returned payment fee $29Show source

Cashback & rewards

Base cashback

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

Only for eligible transactions paid in USDT/USDC, capped at USD 200 eligible spend (period not stated); available from level 1; Oobit may change offers with 30 days' notice

Max cashback

No data yet
10%Conditions apply: tap or hover for detailsShow source

Up to

Cashback paid in

No data yet
USDC (EEA residents) / USDT (outside EEA)Show source

Cashback type

NoneConditions apply: tap or hover for detailsShow source

A rebate plan is announced

StablecoinConditions apply: tap or hover for detailsShow source

Points convert to USDC (EEA residents) or USDT (outside EEA); OOB payments earn token rewards

Cashback-eligible spend cap

No data yet
$200/monthConditions apply: tap or hover for detailsShow source

When paying with tokens other than OOB; $10,000/month when paying with OOB

Cashback conditions

No data yet
Tap to Pay points: level 1 earns 1 point per USD, up to 5x at USD 1,500 cumulative spend in a 90-day cycle · 1,000 points = USD 1 · Qualifying Payment must be at least USD 1 · Rewards usable only for Tap to Pay payments in the app; cannot be withdrawn or transferredShow source

Staking / holding required for top rewards

No data yet
NoShow source

Reward expiry / vesting

No data yet
Outstanding accrued rewards are lost if the account is closed, suspended or restrictedShow source

Reward exclusions

No data yet
Payments without sufficient crypto in account · Payments the merchant does not receive · Refunded or reversed paymentsShow source

Credit & financing

Credit line

NoShow source
NoConditions apply: tap or hover for detailsShow source

Classified as credit card only for network acceptance; spends own crypto

Interest (APR)

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

Currently 0% on all purchases; issuer may introduce interest for new purchases

Spend own balance directly

No data yet
YesShow source

Availability

Available in

No data yet
AL, AD, Austria, Belgium, BA, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, GE, Germany, GI, Greece, GG, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, MD, MC, ME, Netherlands, MK, Norway, Poland, Portugal, Romania, RS, Slovakia, Slovenia, Spain, Sweden, Switzerland, United Kingdom, KZ, KG, Malaysia, Philippines, Saudi Arabia, South Korea, TW, Thailand, United Arab Emirates, Vietnam, BS, CR, DO, SV, GL, GT, Mexico, PA, PR, United States, Argentina, Brazil, Chile, Colombia, EC, PY, Peru, UY, South Africa, TZ, Australia, New ZealandConditions apply: tap or hover for detailsShow source

Country list as given on the page (74 countries listed, page claims 80+)

Account / spend currencies

USD · EUR · CHF · CNHShow source
USDConditions apply: tap or hover for detailsShow source

Base currency; other currencies converted automatically, rate shown on receipt

Own IBAN / bank details

YesConditions apply: tap or hover for detailsShow source

Swiss IBAN

No data yet

Features

Apple Pay

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

After verification

Google Pay

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

After verification

Virtual card

No data yet
YesShow source

ATM withdrawals

No data yet
YesShow source

Spend stablecoins

YesConditions apply: tap or hover for detailsShow source

Top up with USDC or USDT

YesShow source

Travel / rental car insurance

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

Worldwide auto rental coverage via Visa Platinum; no general travel insurance stated

Purchase protection

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

Visa Platinum benefits, included automatically

Spendable assets

ETH · USDC · USDTConditions apply: tap or hover for detailsShow source

Major ERC-20 tokens for top-ups

USDT · Bitcoin · Ethereum · StablecoinsShow source

Blockchains

Ethereum · ArbitrumShow source
Ethereum · Polygon · Optimism · ArbitrumConditions apply: tap or hover for detailsShow source

Other networks may be added at issuer discretion

Limits

Spending limit

No data yet
$10,000Conditions apply: tap or hover for detailsShow source

Per day; maximum limit

Security & custody

Regulation / licences

No data yet
US: crypto services via Bakkt Financial Solutions I, LLC (FinCEN MSB, state money transmitter licences)Show source

Annual cost at 1,500 EUR/month

imToken Card

  • Annual & monthly fees+0 EUR
  • FX costs+0 EUR
  • Crypto conversion–
  • ATM costsunknown
  • Cashback+0 EUR
  • Net annual valuenot enough data

Oobit

  • Annual & monthly fees+0 EUR
  • FX costs−54 EUR
  • Crypto conversion–
  • Per-transaction fees−180 EUR
  • ATM costs−30 EUR
  • Cashback+108 EUR
  • Net annual value-156 EUR

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

More imToken Card comparisons

More Oobit comparisons