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imToken Card vs SafePal Mastercard

imToken Card

Crypto native

5.6
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SafePal Mastercard

Crypto native

6.5
Get the card

Verdict

  • SafePal Mastercard scores higher overall (6.5 vs 5.6 out of 10).
  • imToken Card is clearly stronger on: FX & international.
  • SafePal Mastercard is clearly stronger on: Fees.
  • 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: FX & international

SafePal Mastercard is a good fit for

  • Stablecoin holders

Stronger on: Fees

★ 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 CashSafePal Mastercard vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionimToken CardSafePal Mastercard
Fees88100
Cashback & rewards0–
Availability––
FX & international10060
Product features–70
Custody & security70–
Credit & financing3030
Limits & ATM––
Transparency100100
Best for Cashback3.7n/a
Best for Travel7.16.6
Best for DeFi Users5.46.0
Best for Stablecoins6.87.2
Best for High Spenders4.46.1
Best for Low Fees8.78.3
Best for Beginners6.57.5

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

Debit cardConditions apply: tap or hover for detailsShow source

Spends the Fiat24 multi-currency cash account

Debit cardShow source

Network

MastercardShow source
MastercardShow 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

No data yet

Card issuer / program manager

Fiat24 (Switzerland)Show source
Fiat24 (Swiss IBAN account and fiat gateway; compliance and licensing)Conditions apply: tap or hover for detailsShow source

Offered in collaboration with SafePal; the page does not name the card issuer separately

Fees

Annual fee

FreeShow source
FreeShow source

Monthly fee

No data yet
FreeShow source

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%Conditions apply: tap or hover for detailsShow source

Card payments settled in non-USD currencies

Top-up fee

1%Conditions apply: tap or hover for detailsShow source

Token top-ups; fiat deposits free

FreeConditions apply: tap or hover for detailsShow source

Standard deposit/top-up fee; crypto swaps carry a spread and gas fees

Transfer fee

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

Transfers to external banks; other banks may charge

Other fees & markups

Account NFT minting fee 0.001 ETH · Additional charges may apply for settlements and exchange rate discrepanciesShow source
Refund processing fee 1 USD / 1 EUR / 1 CHF / 7 CNH per refund, depending on payment currency · Gas fees on blockchain transactionsConditions apply: tap or hover for detailsShow source

Gas fees: the page states all financial transactions are conducted on the blockchain, which will result in gas fees

Cashback & rewards

Cashback type

NoneConditions apply: tap or hover for detailsShow source

A rebate plan is announced

No data yet

Credit & financing

Credit line

NoShow source
NoShow source

Availability

Account / spend currencies

USD · EUR · CHF · CNHShow source
USD · EUR · CHF · CNHShow source

Own IBAN / bank details

YesConditions apply: tap or hover for detailsShow source

Swiss IBAN

YesConditions apply: tap or hover for detailsShow source

Swiss IBAN via Fiat24

Features

Apple Pay

No data yet
YesShow source

Google Pay

No data yet
YesShow source

Virtual card

No data yet
YesShow source

Spend stablecoins

YesConditions apply: tap or hover for detailsShow source

Top up with USDC or USDT

YesConditions apply: tap or hover for detailsShow source

Crypto is topped up as USDC

Spendable assets

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

Major ERC-20 tokens for top-ups

No data yet

Blockchains

Ethereum · ArbitrumShow source
ArbitrumShow source

Limits

Spending limit

No data yet
€5,000Conditions apply: tap or hover for detailsShow source

Per day; contactless 1,600 EUR per day

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

SafePal Mastercard

  • Annual & monthly fees+0 EUR
  • FX costs−36 EUR
  • 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

More imToken Card comparisons

More SafePal Mastercard comparisons