Conditions explained in plain language, with sources to check and gaps made visible.
Explore these profiles by use case. Highlights are not a universal ranking; check costs, custody and eligibility before deciding.
USDC · USDT · Virtual
0% fee on USD spend · 1% FX conversion · Up to 3% spending credit
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mUSD · wETH · EURe · Linea
Debits directly from MetaMask wallet balance · 1% to 3% in mUSD · Linea network
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BTC · ETH · EURx · USDx
Dual Debit & Credit mode · 0.5%–2% crypto cashback · 0 inactivity fees
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Spending dollars or euros from stablecoins feels like cash until you look at the settlement math. Between internal conversion spreads, foreign exchange markups, and merchant DCC, typical transactions can incur 1% to 6% in friction.
While stablecoins track $1.00, card issuers frequently apply a 0.5% to 2% conversion spread when liquidating tokens to fiat at point-of-sale.
Always choose to be charged in the merchant's local currency. Accepting terminal conversion (DCC) embeds an unnecessary 3% to 7% surcharge.
Self-custody cards debit your smart contract wallet in real-time, eliminating issuer insolvency risk, while custodial cards offer instant off-ramping from exchange balances.
For 0% fee USD spending, choose Cashi. For non-custodial decentralized spending on Linea, choose MetaMask Card.
Data-driven versus breakdowns comparing real fees, settlement mechanics, rewards, and eligibility.
USDC / USDT
BTC / ETH / EURx / USDx
Costs, rewards and restrictions
Linea Web3 browser wallet vs. Scroll L2 liquid staking collateral. The non-custodial face-off.
Direct exchange balance spending, 0.9% crypto conversion comparison, and regional limits.
Compare cards by custody model, payment networks, and supported balances.
Categories summarize recorded balances. Check specific assets and networks in the profile.
Fiat*: crypto is converted into a fiat balance when deposited or loaded, before purchases. See the program terms in the profile.
GLOBAL
Important: this is a general editorial notice, not legal advice. It does not replace terms issued by a provider or advice from a qualified professional. Last editorial review: September 18, 2026.
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