The changelog
What changed, and when
Every material change to the cards we track — rates, fees, availability and shutdowns — logged with its date. If a card changes and this page doesn’t, email us.
Gnosis Pay: Rebind recommended for EUR cards, and check your pre-June Safe
Gnosis Pay now names a route per currency: Rebind for EUR cards, carrying over account, IBAN and card with no new ID checks; Picnic or MiniPay for USD; nothing yet for GBP. Zeal’s card services also end by December 20. Separately, funds left in the Safe used before Gnosis Pay’s June 2026 security incident can still be withdrawn at app.gnosispay.com/withdraw-legacy. Details
ZEN.COM re-checked: fees unchanged, one weekend surcharge added
ZEN’s fee schedule effective May 26, 2026 is still current and matches our review. We have added its 0.40% surcharge on currency exchanges inside the account outside market hours, which applies on every plan except Pro. Details
Bitpanda Card: the calculator now counts no cashback on euro or stablecoin spending
Bitpanda pays its 1% only when you pay from crypto, and each such purchase sells your crypto at a spread Bitpanda does not publish. Our calculator assumes spending from euros or stablecoins, where Bitpanda pays nothing, so it now counts €0 instead of 1%. A replacement card costs €5.90, not €9.90. Details
MetaMask Card: UK sign-ups open, and lower fees on local spending outside the euro
MetaMask’s help centre now shows the sign-up pause for the US only; the UK, Switzerland and Norway are open. Its 1% cross-border fee applies only to merchants in another country, so in Romania, Hungary, Poland, Norway, Switzerland and the UK local shops cost 0.5%, not 1%. The calculator now applies that, lifting MetaMask from €27 to about €103 a year there at €1,500 a month. Details
Ready Card delisted
With existing cards being switched off and no orderable successor, Ready leaves the ranking, as Gnosis Pay did. Its review stays up to help cardholders wind down. Bitpanda moves to Nº 8, Crypto.com to Nº 9, Wirex One to Nº 10, ZEN.COM to Nº 11 and RedotPay to Nº 12. ether.fi also leaves the stablecoin-cashback guide, since it now pays in its ETHFI token. Details
Ready Card: existing cards are being switched off
Ready says its card provider can no longer run the programme reliably, so current physical and virtual cards will stop working on a date still to be confirmed. New cards cannot be ordered, the app has moved from Starknet to Base, and the next card, a “Community Card”, shares card revenue with a community rather than paying cashback. The flat-3% Metal card is gone. Details
Wirex One: even the free 0.5% can only be redeemed with WPAY
Wirex’s 2026 litepaper says one rule governs every reward: you can redeem $7 a month for every $100 of WPAY you hold, and the rest rolls forward. A Base user with no WPAY earns 0.5% but cannot redeem it, so the calculator now counts Wirex at zero. Base also comes with a virtual card only and a $100 monthly ATM allowance. Details
Crypto.com Visa: Level Up plans are subscriptions, and the free card charges FX
In the EEA, Plus costs €3.99 a month and Pro €24.99 a month; only the Private tiers need a 12-month CRO stake. We had said every paid tier needed one. The free Basic card charges 0.2% on non-euro purchases in the EU and UK and 2% elsewhere, which the calculator now applies. Details
Nexo Card charges FX on every foreign-currency purchase
Nexo’s fee page now lists 0.2% on EEA, UK and Swiss currencies and 2% on others, plus 0.5% at weekends. We had shown 0% up to tier limits. The calculator now applies about 0.35% on foreign spending in Europe. Nexo also requires a $5,000 portfolio and the Gold tier for a physical card. Details
Bleap’s 1% base cashback is capped at €3,000 of spending a month
Bleap’s cashback terms cap the default 1% at €3,000 of eligible spending a month and €500 per purchase, so at most €30 back a month. We had described it as uncapped. The calculator now applies the cap; nothing changes at the default €1,500 a month, but OKX now stays ahead of Bleap at every spending level. Details
Bybit Card EU: who issues it, and what paying from crypto costs
Bybit’s card page names Harmoniie SAS, a French e-money institution, as the issuer; our review had credited Bybit’s Austrian MiCA entity. Bybit’s fee page confirms the 0.9% conversion fee applies to every purchase paid from crypto, stablecoins included, so the calculator’s figure assumes you spend euros held on Bybit. Details
New top pick: OKX Card moves to Nº 1, ether.fi Cash to Nº 2
After ether.fi moved cashback to its ETHFI token and lowered the cap on euro purchases, the two cards come out level at €1,500 a month in the eurozone. OKX pays in a stablecoin, charges no card or FX fees and has a MiCA-licensed issuer, so it becomes our best overall pick (score 8.6, up from 8.2). ether.fi stays the best card for ETH holders and for spending outside the euro (8.4, down from 9.1). Bleap moves to Nº 3. OKX had no referral link on this site when we made this change; one was added later the same day and does not affect the ranking. Details
ether.fi Cash: cashback now paid in ETHFI, with a lower cap on euro purchases
Cashback is now credited in the ETHFI token after a 7-day lock, not in USDC. Euro purchases follow their own ladder on the free Core tier: 3% on the first $800 a month, 1% up to $1,500 and 0.1% above. The fee on other currencies fell from 1% to 0.5% on Core. In the calculator, ether.fi now ties OKX in the eurozone at €1,500 a month and still leads in non-euro countries. Details
Krak Card adds a 1.5% cashback tier from €10,000
Krak’s pricing and cashback pages now list five tiers: 0.5% from €200, 1% from €1,000, 1.5% from €10,000 and 2% from €50,000. The calculator now applies the 1.5% tier; at its default €1,000 balance Krak still pays 1%, so the rankings do not change. Details
Krak Card is not available in Switzerland
Krak’s support centre says the card is only for individual clients in the UK, the EEA and the US. Switzerland moves from “unconfirmed” to not available on its country page. Details
ether.fi Cash now ships to Hungary, Norway and Switzerland
ether.fi’s card-availability list now includes all three; only the Netherlands, Finland and Estonia remain excluded in the EEA, and Belgium and Ireland get a virtual card only. ether.fi now leads the Hungary ranking. Details
Bybit Card EU opens to Romania, Ireland, Croatia and Norway
Bybit’s card FAQ, updated October 2, now lists every EEA country except Malta. The four countries move from “not available” to ranked on their country pages. Details
KAST checked and not ranked
Fees are published, but the operator is a Comoros company that takes ownership of deposited crypto, the issuer is unlicensed in the EU, and supported countries are unpublished. Listed under cards we don’t rank. Details
Added Bitpanda Card
Free Visa from a Maltese e-money issuer with 1% cashback in the crypto you spend and 0% FX, but euro-area residents only and an unpublished trading spread. Enters at Nº 9. Details
Added OKX Card
OKX’s EEA card enters at Nº 3: 2% in USDG with no card or FX fees, capped at €50 a month, Monavate-issued under a MiCA-licensed programme. MetaMask and everything below move down one place. Details
Sovrae checked and not ranked
Prepaid USD card sold on anonymity: no published transaction or FX fees, an unnamed issuer in its own terms and no licence. Listed under cards we don’t rank on the methodology page. Details
Added ZEN.COM
A Lithuanian-licensed e-money account with a Mastercard and a crypto on-ramp. Enters at Nº 10: cheap FX and strong regulation, but no everyday cashback and it never holds crypto. RedotPay moves to Nº 11. Details
MetaMask Card pauses UK and US sign-ups
New card sign-ups are paused in the United Kingdom and the United States; existing cardholders are unaffected. Removed from the UK ranking until it reopens. Details
MetaMask Card: 1% cross-border fee on the free tier
MetaMask’s fee table charges 1% on purchases from merchants outside your country on the free card, waived only on the paused Metal tier. Calculator updated from 0% to 1% FX; removed from the no-FX-fees guide. Details
Ready Card stops taking orders
Ready is not issuing physical or virtual cards while it moves to a new card partner, with no launch date. Existing users will need a new account for the new card. Removed from every country ranking until orders reopen. Details
Gnosis Pay delisted
The consumer card and web app shut down on December 20, 2026. Cashback eligibility ends September 30. Funds in your Safe stay accessible. Details
Added Bleap, Krak, Wirex One and RedotPay
Bleap takes Nº 2 as the best self-custody debit card. Krak enters at Nº 4. Wirex One and RedotPay score lowest on net value. Details
ether.fi membership revamp
Category boosts and faster tier progression announced. Cashback is paid in USDC, with 3% up to each tier’s monthly cap. Details
Bybit EU cuts default cashback to 1%
Non-VIP cardholders moved to a flat 1%, uncapped. The 2–10% ladder now needs VIP status or heavy monthly spend. Details
Wirex legacy app ends crypto services in the EEA
The old WXT Cryptoback stopped; users move to the new self-custodial Wirex One. Details
Bleap receives its MiCA licence
Authorised as a crypto-asset service provider by the central bank of Latvia. Details
MetaMask pauses Metal card orders
New users can only get the free virtual card at 1% cashback. Details