Head to head
OKX Card vs Bleap
The two cards that charge nothing on euro or other European currencies. OKX pays twice the rate, 2% against Bleap’s 1%, but caps it at €50 a month and holds your balance on an exchange. Bleap pays less and caps its 1% too, at €3,000 of spending a month, but keeps your funds in your own wallet.
| Feature | OKX Card | Bleap |
|---|---|---|
| Our score | 8.6 / 10 | 8.3 / 10 |
| Card type | Debit | Debit |
| Custody | Custodial | Self-custody |
| Cashback | 2% (cap €50/mo) · 4–10% VIP | 1% (to €3k/mo) · 3% · 20% |
| Paid in | USDG | USDC |
| Annual fee | €0 | $0 |
| FX fee | 0% · ≤0.1% conversion | 0% |
| Availability | EU · Norway | EEA · Switzerland |
| Net value, eurozone* | +€342/yr | +€180/yr |
| Net value, Romania* | +€342/yr | +€180/yr |
*At €1,500 a month with a typical foreign-currency share for each place (10% in the eurozone, 85% in Romania, where local lei spending counts as foreign currency). Run your own numbers.
Who wins at €500, €1,500 and €3,000 a month
Net value per year from the same calculator that powers the country pages: cashback minus FX, conversion and annual fees, with €1,000 kept on the platform for balance-based cards. Category bonuses and promotions are not counted.
| Scenario | OKX Card | Bleap |
|---|---|---|
| Eurozone, 10% foreign · €500/mo | +€114 | +€60 |
| Eurozone, 10% foreign · €1,500/mo | +€342 | +€180 |
| Eurozone, 10% foreign · €3,000/mo | +€564 | +€360 |
| Romania, 85% foreign · €500/mo | +€114 | +€60 |
| Romania, 85% foreign · €1,500/mo | +€342 | +€180 |
| Romania, 85% foreign · €3,000/mo | +€564 | +€360 |
Where the difference comes from
Below €2,500 of monthly spending, OKX simply pays double: 2% in USDG against Bleap’s 1% base rate in USDC, which is what every row of the table above shows. Above that, OKX’s €50 monthly cap freezes its cashback, but Bleap’s 1% is capped too, at €3,000 of spending a month (€30 back), so OKX stays ahead at every level of spending. Bleap’s 3% and 20% category bonuses, which the calculator leaves out, can tilt it further for anyone whose spending lands in those categories.
Fees are almost a tie. Neither card charges an FX markup, so Romania and the eurozone produce the same figures; OKX adds a conversion charge of at most 0.10% because its balance is in dollars. The real difference is custody. Bleap is a smart-contract wallet you control, licensed by the Bank of Latvia under MiCA. OKX is a custodial account run by a Maltese MiCA-licensed operator, and its own terms say balances carry no deposit protection. OKX also pays only on purchases funded with USDG, so funding the card with USDC earns nothing.
Choose OKX if…
you want the higher rate, live in the EU or Norway, and are happy to hold USDG on OKX.
Choose Bleap if…
you want self-custody, often spend on the delivery, ride-hailing or subscription merchants where Bleap pays 3% or 20%, or live in Switzerland.