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Compare stablecoin cards.
Know the real cost.

Compare eligibility, fees, and the conditions behind the cashback. Start with the card you can actually use.

The starting tiers

Three cards. The details that matter.

Last checked: Sep 13, 2026

These are official provider links. MainPay currently earns no referral commission from this page. Provider order is fixed and is not a ranking.

Lite membership

Plasma One

2%

Starting cashback rate

On the first $500 of eligible monthly spending; 0.1% after that. Paid in XPL, whose value can change.

Cashback rules

Country eligibility

Residence and identity documents both matter. Some document countries require proof of residence in a supported country; only listed US states qualify.

Countries and documents

Membership and card costs

Lite has no subscription or XPL lock. Higher tiers have subscription or token-lock requirements. Check physical-card pricing in the app.

Membership terms

Foreign currency spending

Lite adds 1% FX markup; Core adds 0.5%; Platinum adds none. Visa network FX charges may still apply.

Fee schedule

Mobile wallets

Apple Pay and Google Pay are supported, subject to device and regional availability.

Apple Pay Google Pay

Referral conditions

New users must join with a referral code, pass identity checks, activate a card, and make an eligible purchase. Referral cashback depends on the referrer's tier.

Referral terms
Visit Plasma One

Official website

Core membership

ether.fi Cash

3%

Starting cashback rate

Standard rate on the first $2,000 of eligible monthly spending, then lower bands. EUR purchases have different bands. Paid in ETHFI, with a 7-day lock and $5 claim minimum.

Cashback rules

Country eligibility

The supported list includes Canada, Hong Kong, Singapore, and Taiwan, plus selected US states. Mainland China is unsupported. Identity verification is required.

Supported countries Restrictions

Membership and card costs

Core membership is free. Card issuance and shipping depend on region and tier; provider pages currently differ on physical-card pricing. Confirm the charge before ordering.

Membership levels Card fees Current benefits

Foreign currency spending

Where conversion applies, Core adds 0–0.5% to the underlying FX base rate. The added margin is not the total conversion cost.

FX explanation

Mobile wallets

Apple Pay and Google Pay are supported, subject to device and regional availability.

Wallet support

Referral conditions

The affiliate program counts a referral as qualified after $100 in eligible card spending. Affiliate rewards and the cardholder's cashback are separate.

Affiliate terms
Visit ether.fi Cash

Official website

Base tier · non-VIP

Bybit Card

2%

Starting cashback rate

Base-tier cashback is capped at $5 equivalent per month. Higher tiers require spending or VIP qualification. Rewards points can be redeemed for USDT cashback.

Cashback rules

Country eligibility

Select your actual country of residence in the application. Available programs and identity/address checks vary by region; an exchange account does not guarantee card eligibility.

Application requirements

Membership and card costs

No annual fee; virtual issuance is currently free. Physical-card fees vary by region and VIP status.

Fee schedule

Foreign currency spending

Fees vary by program. Asia Pacific: 2% FX plus 0.9% crypto conversion above the applicable exchange rates. Check your regional schedule.

Fee schedule

Mobile wallets

Google Pay is listed for all current programs. Apple Pay is unavailable for Asia Pacific and Mexico cards; support depends on the issuing program.

Wallet support

Referral conditions

Eligible invitees must spend 100 USDT equivalent within 30 days of card approval. EEA customers are excluded from this referral offer. Enter the code before submitting the application.

Referral terms
Visit Bybit Card

Official website

Before you apply

Compare what you keep.

Subtract FX, conversion, membership, and card fees from rewards. Check spending caps and exclusions. Token rewards can change in value before you claim them.

This comparison covers personal starting tiers and selected costs, not every card or fee. Provider terms can change; the linked sources and your application show the applicable conditions.

MainPay publishes this comparison and records aggregate outbound visits. Card applications, identity checks, accounts, and payments are handled by the provider. MainPay does not issue cards or handle your funds.