# Card to the Future

> Personal crypto cards compared on every fee, limit and reward, with a source for every number. Ranked by the money you keep after fees, not by who pays us. Business accounts are not covered.

Scoring formula 1.0: Card Score = 70% rank by dollars kept a year + 30% trust points. Trust D or F ranks below C and up. What the site earns never counts. Reference spender: $1,000 a month, 20% in a foreign currency, no staking.

## Current ranking
1. [ether.fi Cash card](https://cardtothefuture.com/cards/etherfi): Card Score 83, keeps $131 a year, trust B (74/100), checked 2026-11-05
2. [Crypto.com Visa Card](https://cardtothefuture.com/cards/crypto-com): Card Score 73, keeps $23 a year, trust B (74/100), checked 2026-11-05
3. [Wirex One](https://cardtothefuture.com/cards/wirex-one): Card Score 66, keeps $20 a year, trust C (60/100), checked 2026-11-05
4. [MetaMask Card](https://cardtothefuture.com/cards/metamask): Card Score 64, keeps $10 a year, trust C (60/100), checked 2026-11-05
5. [Plasma One](https://cardtothefuture.com/cards/plasma-one): Card Score 63, keeps $8 a year, trust C (64/100), checked 2026-11-05
6. [Coinbase Card](https://cardtothefuture.com/cards/coinbase): Card Score 60, keeps $0 a year, trust C (62/100), checked 2026-11-05
7. [Phantom Cash](https://cardtothefuture.com/cards/phantom-cash): Card Score 48, keeps −$24 a year, trust C (55/100), checked 2026-11-05
8. [Kolo Card](https://cardtothefuture.com/cards/kolo): Card Score 43, keeps −$30 a year, trust C (55/100), checked 2026-11-05
9. [Exa Card](https://cardtothefuture.com/cards/exa): Card Score 42, keeps −$36 a year, trust C (61/100), checked 2026-11-05
10. [RedotPay Card](https://cardtothefuture.com/cards/redotpay): Card Score 31, keeps −$62 a year, trust C (55/100), checked 2026-11-05
11. [Revolut crypto card](https://cardtothefuture.com/cards/revolut): Card Score 26, keeps −$180 a year, trust C (69/100), checked 2026-11-05
12. [Ethena Pay Spend Card](https://cardtothefuture.com/cards/ethena-pay): Card Score 85, keeps $432 a year, trust D (51/100), checked 2026-11-05
13. [Solid Card](https://cardtothefuture.com/cards/solid): Card Score 81, keeps $324 a year, trust D (46/100), checked 2026-11-05
14. [Tria Card](https://cardtothefuture.com/cards/tria): Card Score 81, keeps $242 a year, trust D (53/100), checked 2026-11-05
15. [KAST Card](https://cardtothefuture.com/cards/kast): Card Score 77, keeps $136 a year, trust D (46/100), checked 2026-11-05
16. [Binance Card](https://cardtothefuture.com/cards/binance): Card Score 71, keeps $90 a year, trust D (45/100), checked 2026-11-05
17. [COCA Card](https://cardtothefuture.com/cards/coca): Card Score 69, keeps $74 a year, trust D (44/100), checked 2026-11-05
18. [Bitget Wallet Card](https://cardtothefuture.com/cards/bitget-wallet): Card Score 67, keeps $43 a year, trust D (47/100), checked 2026-11-05
19. [Bybit Card](https://cardtothefuture.com/cards/bybit): Card Score 53, keeps $0 a year, trust D (49/100), checked 2026-11-05
20. [Tuyo Card](https://cardtothefuture.com/cards/tuyo): Card Score 51, keeps −$10 a year, trust D (48/100), checked 2026-11-05
21. [Hyperbeat Pay Card](https://cardtothefuture.com/cards/hyperbeat): Card Score 49, keeps −$15 a year, trust D (52/100), checked 2026-11-05
22. [SafePal Card](https://cardtothefuture.com/cards/safepal): Card Score 42, keeps −$24 a year, trust D (44/100), checked 2026-11-05
23. [Avalanche Card](https://cardtothefuture.com/cards/avalanche-card): Card Score 35, keeps −$48 a year, trust D (53/100), checked 2026-11-05
24. [Avici Card](https://cardtothefuture.com/cards/avici): Card Score 35, keeps −$46 a year, trust D (45/100), checked 2026-11-05
25. [Send Card](https://cardtothefuture.com/cards/send): Card Score 31, keeps −$60 a year, trust D (46/100), checked 2026-11-05
26. [Gate Card](https://cardtothefuture.com/cards/gate): Card Score 27, keeps −$88 a year, trust D (49/100), checked 2026-11-05
27. [DogPay DCS Card](https://cardtothefuture.com/cards/dogpay): Card Score 21, keeps −$161 a year, trust F (39/100), checked 2026-11-05
28. [Solayer Pay Card](https://cardtothefuture.com/cards/solayer): Card Score 21, keeps −$176 a year, trust D (45/100), checked 2026-11-05
29. [Karta Personal](https://cardtothefuture.com/cards/karta-io): Card Score 18, keeps −$206 a year, trust D (51/100), checked 2026-11-05
30. [BFinance Card](https://cardtothefuture.com/cards/bfinance): Card Score 11, keeps −$252 a year, trust F (38/100), checked 2026-11-05
31. [Gnosis Pay Card](https://cardtothefuture.com/cards/gnosis-pay): Card Score 15, keeps −$11 a year, trust D (51/100), checked 2026-11-05
32. [Solflare Card](https://cardtothefuture.com/cards/solflare): Card Score 12, keeps −$144 a year, trust F (39/100), checked 2026-11-05
33. [Cypher Card](https://cardtothefuture.com/cards/cypher): Card Score 11, keeps n/a a year, trust F (38/100), checked 2026-11-05
34. [Ready Card](https://cardtothefuture.com/cards/ready): Card Score 11, keeps $60 a year, trust F (36/100), checked 2026-11-05
35. [VaultLeap Card](https://cardtothefuture.com/cards/vaultleap): Card Score 10, keeps $108 a year, trust F (33/100), checked 2026-11-05
36. [Holyheld Card](https://cardtothefuture.com/cards/holyheld): Card Score 9, keeps −$76 a year, trust F (31/100), checked 2026-11-05

## Data
- [All cards as JSON](https://cardtothefuture.com/data/cards.json): every fact with its source URL
- [How we score](https://cardtothefuture.com/methodology): formula, assumptions and trust criteria

## Comparison tables
- [Countries](https://cardtothefuture.com/countries): availability of every card by country
- [Monthly price](https://cardtothefuture.com/parameters/monthly-price)
- [Yearly price](https://cardtothefuture.com/parameters/yearly-price)
- [Virtual card fee](https://cardtothefuture.com/parameters/virtual-card-fee)
- [Physical card fee](https://cardtothefuture.com/parameters/physical-card-fee)
- [Shipping](https://cardtothefuture.com/parameters/shipping)
- [Replacement](https://cardtothefuture.com/parameters/replacement)
- [Staking needed](https://cardtothefuture.com/parameters/staking-needed)
- [Other requirements](https://cardtothefuture.com/parameters/other-requirements)
- [Cashback](https://cardtothefuture.com/parameters/cashback)
- [Paid in](https://cardtothefuture.com/parameters/paid-in)
- [Cashback cap a month](https://cardtothefuture.com/parameters/cashback-cap-a-month)
- [Earns on](https://cardtothefuture.com/parameters/earns-on)
- [No cashback on](https://cardtothefuture.com/parameters/no-cashback-on)
- [Vesting](https://cardtothefuture.com/parameters/vesting)
- [Points](https://cardtothefuture.com/parameters/points)
- [Perks](https://cardtothefuture.com/parameters/perks)
- [FX fee](https://cardtothefuture.com/parameters/fx-fee)
- [Crypto conversion fee](https://cardtothefuture.com/parameters/crypto-conversion-fee)
- [Top-up fee](https://cardtothefuture.com/parameters/top-up-fee)
- [Free ATM a month](https://cardtothefuture.com/parameters/free-atm-a-month)
- [ATM fee](https://cardtothefuture.com/parameters/atm-fee)
- [ATM fixed fee](https://cardtothefuture.com/parameters/atm-fixed-fee)
- [Inactivity fee](https://cardtothefuture.com/parameters/inactivity-fee)
- [Decline fee](https://cardtothefuture.com/parameters/decline-fee)
- [Limit per payment](https://cardtothefuture.com/parameters/limit-per-payment)
- [Spend limit a day](https://cardtothefuture.com/parameters/spend-limit-a-day)
- [Spend limit a month](https://cardtothefuture.com/parameters/spend-limit-a-month)
- [Spend limit a year](https://cardtothefuture.com/parameters/spend-limit-a-year)
- [ATM limit a day](https://cardtothefuture.com/parameters/atm-limit-a-day)
- [ATM limit a month](https://cardtothefuture.com/parameters/atm-limit-a-month)
- [Legal entity](https://cardtothefuture.com/parameters/legal-entity)
- [Headquarters](https://cardtothefuture.com/parameters/headquarters)
- [Founded](https://cardtothefuture.com/parameters/founded)
- [Funding raised](https://cardtothefuture.com/parameters/funding-raised)
- [Investors](https://cardtothefuture.com/parameters/investors)
- [Website](https://cardtothefuture.com/parameters/website)
- [X](https://cardtothefuture.com/parameters/x)
- [Telegram](https://cardtothefuture.com/parameters/telegram)
- [Card issuer](https://cardtothefuture.com/parameters/card-issuer)
- [Program manager](https://cardtothefuture.com/parameters/program-manager)
- [Licences](https://cardtothefuture.com/parameters/licences)
- [Regulator](https://cardtothefuture.com/parameters/regulator)
- [Network](https://cardtothefuture.com/parameters/network)
- [Card level](https://cardtothefuture.com/parameters/card-level)
- [Status](https://cardtothefuture.com/parameters/status)
- [Launched](https://cardtothefuture.com/parameters/launched)
- [Type](https://cardtothefuture.com/parameters/type)
- [Forms](https://cardtothefuture.com/parameters/forms)
- [Custody](https://cardtothefuture.com/parameters/custody)
- [How custody works](https://cardtothefuture.com/parameters/how-custody-works)
- [KYC](https://cardtothefuture.com/parameters/kyc)
- [KYC documents](https://cardtothefuture.com/parameters/kyc-documents)
- [KYC time](https://cardtothefuture.com/parameters/kyc-time)
- [Minimum age](https://cardtothefuture.com/parameters/minimum-age)
- [Settles in](https://cardtothefuture.com/parameters/settles-in)
- [Card currencies](https://cardtothefuture.com/parameters/card-currencies)
- [Crypto accepted](https://cardtothefuture.com/parameters/crypto-accepted)
- [Chains](https://cardtothefuture.com/parameters/chains)
- [Fiat top-up](https://cardtothefuture.com/parameters/fiat-top-up)
- [Deposit fees](https://cardtothefuture.com/parameters/deposit-fees)
- [Minimum deposit](https://cardtothefuture.com/parameters/minimum-deposit)
- [Spends from](https://cardtothefuture.com/parameters/spends-from)
- [Apple Pay](https://cardtothefuture.com/parameters/apple-pay)
- [Google Pay](https://cardtothefuture.com/parameters/google-pay)
- [Samsung Pay](https://cardtothefuture.com/parameters/samsung-pay)
- [3-D Secure](https://cardtothefuture.com/parameters/3-d-secure)
- [Contactless](https://cardtothefuture.com/parameters/contactless)
- [Online subscriptions](https://cardtothefuture.com/parameters/online-subscriptions)
- [Blocked merchants](https://cardtothefuture.com/parameters/blocked-merchants)
- [Regions](https://cardtothefuture.com/parameters/regions)
- [Countries](https://cardtothefuture.com/parameters/countries)
- [United States](https://cardtothefuture.com/parameters/united-states)
- [United Kingdom](https://cardtothefuture.com/parameters/united-kingdom)
- [EEA](https://cardtothefuture.com/parameters/eea)
- [IBAN](https://cardtothefuture.com/parameters/iban)
- [Local accounts](https://cardtothefuture.com/parameters/local-accounts)
- [P2P transfers](https://cardtothefuture.com/parameters/p2p-transfers)
- [Crypto to bank](https://cardtothefuture.com/parameters/crypto-to-bank)
- [Yield on balance](https://cardtothefuture.com/parameters/yield-on-balance)
- [Crypto loans](https://cardtothefuture.com/parameters/crypto-loans)
- [Bill pay](https://cardtothefuture.com/parameters/bill-pay)
- [Multi-currency](https://cardtothefuture.com/parameters/multi-currency)
- [Other](https://cardtothefuture.com/parameters/other)
- [Freeze card](https://cardtothefuture.com/parameters/freeze-card)
- [Two-factor](https://cardtothefuture.com/parameters/two-factor)
- [Biometrics](https://cardtothefuture.com/parameters/biometrics)
- [Proof of reserves](https://cardtothefuture.com/parameters/proof-of-reserves)
- [Insurance](https://cardtothefuture.com/parameters/insurance)
- [Audits](https://cardtothefuture.com/parameters/audits)
- [App Store rating](https://cardtothefuture.com/parameters/app-store-rating)
- [App Store ratings](https://cardtothefuture.com/parameters/app-store-ratings)
- [Google Play rating](https://cardtothefuture.com/parameters/google-play-rating)
- [Google Play installs](https://cardtothefuture.com/parameters/google-play-installs)
- [App Store](https://cardtothefuture.com/parameters/app-store)
- [Google Play](https://cardtothefuture.com/parameters/google-play)
- [Languages](https://cardtothefuture.com/parameters/languages)
- [Web app](https://cardtothefuture.com/parameters/web-app)
- [Support](https://cardtothefuture.com/parameters/support)
- [Support hours](https://cardtothefuture.com/parameters/support-hours)
- [Trustpilot](https://cardtothefuture.com/parameters/trustpilot)
- [Trustpilot reviews](https://cardtothefuture.com/parameters/trustpilot-reviews)
- [Common complaints](https://cardtothefuture.com/parameters/common-complaints)
- [Common praise](https://cardtothefuture.com/parameters/common-praise)
- [Users, claimed](https://cardtothefuture.com/parameters/users-claimed)
- [On-chain spend, all time](https://cardtothefuture.com/parameters/on-chain-spend-all-time)
- [On-chain spend, last month](https://cardtothefuture.com/parameters/on-chain-spend-last-month)
- [User referrals](https://cardtothefuture.com/parameters/user-referrals)
- [Affiliate program](https://cardtothefuture.com/parameters/affiliate-program)
- [Affiliate page](https://cardtothefuture.com/parameters/affiliate-page)
- [Affiliate terms](https://cardtothefuture.com/parameters/affiliate-terms)

## Citing
Cite the card page and its date. Fees change often, so check the issuer's terms for anything that matters.