Stablecoin cards, scored the CBL way

Every list online scores cashback. CBL scores who issues the card, what it costs to fund and use, and what happens when it gets frozen. 41 cards carry a Card Score so far, each checked on 20 Oct 2026 against dated sources. Tap a scored card to turn it over and see where the points came from.

Every card, ranked

Card	Score	Custody	Issuer	FX	Health
Wirex One	13/16	Self-custodial wallet, card settlement route not stated	Wirex Limited, FCA EMI, in the UK; Transact Payments Malta, MFSA EMI, in the EEA	0% FX, variable spread on crypto sales	Watch
ether.fi Cash	13/16	Self-custodial	Third National, money transmitter, named in the cardholder agreement	About 1% to 1.5% on Core	Watch
Bleap Card	12/16	Self-custodial MPC wallet; issuer holds no funds	Unlimit EU, Central Bank of Cyprus e-money	0% markup; Mastercard rate applies	Watch
COCA Card	12/16	Self-custodial smart wallet; per-payment approval	Wirex infrastructure; issuer not named by COCA	0% FX on direct pairs	Watch
Gemini Credit Card	12/16	Custodial rewards; Gemini Trust states segregation	WebBank, Utah industrial bank, FDIC insured	No foreign transaction fees	Watch
Krak Card	12/16	Custodial; e-money wallet safeguarded by Payward Ireland	UAB Monavate, Bank of Lithuania e-money licence	0% FX, Mastercard rate, no markup	Watch
Bitpanda Card	11/16	Custodial; crypto segregated under MiCA	Transact Payments Malta, MFSA e-money licence	0% from Bitpanda; Visa rate applies	Watch
KAST	11/16	Custodial, no segregation duty stated	Third National, money transmitter, named in the cardholder agreement	0.5% to 1.75%, by country	Watch
MetaMask Card	11/16	Self-custodial; spends straight from your wallet	Monavate, FCA e-money licence; Crypto Life provider	Mastercard rate plus 1% cross-border fee	Watch
Venmo Credit Card	10/16	Custodial; crypto held apart from PayPal Digital assets	Synchrony Bank, OCC-regulated, FDIC insured	No foreign transaction fee	Watch
Ethena Pay	10/16	Self-custodial; user holds the keys	Third National via Rain; no licence shown	About 1% network fee, no markup	Watch
Plasma One	10/16	Self-custodial; keys held via Privy	Rain, Visa member, no bank licence	1% markup plus Visa fee on Lite	Watch
CL Card	9/16	Self-custody until loaded; e-money safeguarded by Monavate	UAB Monavate, Bank of Lithuania e-money licence	0% issuer FX; platform margin unconfirmed	Watch
Karta	9/16	Per-user Fireblocks wallet; self-custody claim unverified	Third National named; no licence or regulator	1% Visa fee on non-USD spend	Watch
RedotPay	9/16	Custodial, segregated, own trust company	Xfers (StraitsX) for Singapore; undisclosed for Hong Kong	1.2%, about 2.2% all-in	Watch
Fold Card	9/16	Dollars at Sutton Bank; bitcoin held at BitGo	Sutton Bank, Member FDIC, Visa licence	$3 per foreign purchase on free tier	Watch
Nexo Card	9/16	Custodial; Tangany keeps EEA client assets separate	DiPocket UAB, Bank of Lithuania e-money licence	0.2% in European currencies, 2% elsewhere	Watch
Tuyo Card	9/16	Self-custodial; USDC stays in your smart account	Rain named; issuing institution not disclosed	1% non-USD plus 1% outside the US	Watch
Avici Card	8/16	Self-custodial escrow contract your wallet owns	Third National named; no licence published	0% Avici markup; Visa charges about 1%	Watch
Brighty Card	8/16	Custodial; partners hold segregated fiat and crypto	UAB Monavate, Bank of Lithuania e-money licence	0.6% on the free plan	Watch
Bybit Card	8/16	Custodial, MiCA segregation stated	Moorwand and Heuro, named by third parties only	0.5%, plus 0.9% to spend crypto	Watch
Deblock Debit Card	8/16	Euros safeguarded by Deblock; crypto self-custodied	Deblock SAS, ACPR e-money licence, Visa member	0% to €1,000 a month, then 0.5%	Solid
Oobit	8/16	Connected wallet or custodial app balance	Third National, money transmitter, named in the card terms	Up to 1.5% in the terms, about 3.1% measured	Watch
THORWallet Card	8/16	Self-custodial wallet; card balance held by Unblock	Unblock (Atomo Sarl); issuing bank not disclosed	1.5% on top of Mastercard rate	Watch
Coinbase Card	8/16	Custodial; Coinbase says it cannot use your USDC	Pathward bank in US; Paysafe EMI in UK	No official FX rate published	Watch
Bitget Wallet Card	7/16	Separate card account, custody not stated	Immersve, DCS and Fiat24 by region, no licensed issuer named for Europe	Free inside a monthly allowance, about 1.7% beyond	Watch
Wayex Visa Card	7/16	Custodial; custodian unnamed, no segregation statement	Lead Bank via Bridge; no licence cited	0% in USD, 1.5% in any other currency	Watch
Crypto.com Visa Card	7/16	Custodial; no EEA safeguarding statement found	Foris MT, group's own Malta e-money institution	2% outside Europe on the free tier	Watch
Tria Card	7/16	Self-custodial; collateral stays in your wallet	Nimbus, LLC, Delaware; no licence published	Up to 3% plus 1% in the terms	Watch
Bitrefill Card	6/16	Crypto yours until top-up; euros held by partners	Wallester AS, Estonian payment institution licence	0% FX at the Visa rate	Watch
WhiteBIT Nova	6/16	Custodial; spends from exchange Main balance	JSC Hash Bank, Georgia; EUR card was Wallester	1.5% conversion fee on the USD card	Watch
Kripicard	5/16	Custodial; unnamed bank holds the fiat balance	Issuer not disclosed; Brazil-based operator	0% FX fee on USD-billed virtual cards	Unknown
Zypto Premium VISA Card	5/16	Self-custody wallet; loaded balance held by issuer	Named only as Third National, no licence	1.75% on every non-USD purchase	Unknown

Click a column to sort. Ranked by Card Score, ties broken by the lower FX fee. Health is our tag and sits outside the score. Cards closed to new applicants are left out of this table; they keep their profile and their tile on the wall.

By what you need

Self-custodial spending

13/16ether.fi Cash · ether.fi11/16MetaMask Card · MetaMask12/16COCA Card · COCA12/16Gnosis Pay Card · Gnosis Pay12/16Bleap Card · Bleap9/16Tuyo Card · Tuyo7/16Tria Card · Tria8/16Avici Card · Avici10/16Plasma One · Plasma10/16Ethena Pay · Ethena Pay

Lowest FX

13/16Wirex One · Wirex12/16Krak Card · Kraken12/16Gemini Credit Card · Gemini12/16COCA Card · COCA12/16Gnosis Pay Card · Gnosis Pay12/16Bleap Card · Bleap11/16Bitpanda Card · Bitpanda10/16Venmo Credit Card · Venmo9/16CL Card · Ledger and Baanx9/16SavePay Card · SavePay8/16imToken Card (Fiat24) · imToken7/16TP Card · TokenPocket6/16Bitrefill Card · Bitrefill5/16Kripicard · Kripicard13/16ether.fi Cash · ether.fi11/16KAST · KAST11/16MetaMask Card · MetaMask10/16Ethena Pay · Ethena Pay9/16RedotPay · RedotPay9/16Karta · Karta Finance8/16Bybit Card · Bybit EU8/16Oobit · Oobit8/16Brighty Card · Brighty8/16Avici Card · Avici8/16Deblock Debit Card · Deblock8/16THORWallet Card · THORWallet8/16SafePal Mastercard · SafePal7/16Bitget Wallet Card · Bitget Wallet7/16Wayex Visa Card · Wayex6/16WhiteBIT Nova · WhiteBIT10/16Plasma One · Plasma9/16Nexo Card · Nexo9/16Fold Card · Fold9/16Tuyo Card · Tuyo8/16Coinbase Card · Coinbase7/16Crypto.com Visa Card · Crypto.com7/16Tria Card · Tria6/16Binance Card · Binance6/16Fiat24 Debit Card · Fiat245/16Zypto Premium VISA Card · Zypto4/16Plutus Card · Plutus

Available to Gulf residents

13/16ether.fi Cash · ether.fi11/16KAST · KAST9/16RedotPay · RedotPay13/16Wirex One · Wirex8/16Oobit · Oobit6/16WhiteBIT Nova · WhiteBIT8/16Avici Card · Avici8/16THORWallet Card · THORWallet9/16Karta · Karta Finance10/16Ethena Pay · Ethena Pay

Yield on idle balance

13/16ether.fi Cash · ether.fi11/16KAST · KAST9/16RedotPay · RedotPay13/16Wirex One · Wirex7/16Bitget Wallet Card · Bitget Wallet9/16Nexo Card · Nexo12/16Krak Card · Kraken8/16Coinbase Card · Coinbase6/16Binance Card · Binance12/16Gemini Credit Card · Gemini11/16MetaMask Card · MetaMask12/16COCA Card · COCA8/16Brighty Card · Brighty10/16Venmo Credit Card · Venmo7/16Wayex Visa Card · Wayex12/16Bleap Card · Bleap11/16Bitpanda Card · Bitpanda9/16Tuyo Card · Tuyo7/16Tria Card · Tria8/16Avici Card · Avici8/16Deblock Debit Card · Deblock10/16Plasma One · Plasma10/16Ethena Pay · Ethena Pay

Free to start

12/16Gemini Credit Card · Gemini12/16Gnosis Pay Card · Gnosis Pay9/16Fold Card · Fold12/16Bleap Card · Bleap9/16Tuyo Card · Tuyo

Where people spend the most

RedotPay · $403.6M in August 2026, reported by the companyether.fi Cash · $109.5M in August 2026KAST · $104.8M in August 2026Wirex One · $34.9M in August 2026Bitget Wallet Card · $2.1M in August 2026

Monthly card spend as tracked by Paymentscan, last complete month. Shown for context, it plays no part in the Card Score. Cards with no figure are not tracked.

Who runs the rails

Stripe's stablecoin cards, in private preview and not scored, run on Bridge and Privy with Lead Bank as issuer. None of the 41 scored cards run on that stack yet. This is who sits behind each card, as far as the companies say so themselves.

The full map, card by card: Who actually issues your stablecoin card?

Rain

ether.fi Cash · ether.fiKAST · KASTOobit · Oobit

Own licence

Wirex One · WirexDeblock Debit Card · DeblockCrypto.com Visa Card · Crypto.comFiat24 Debit Card · Fiat24

Wirex One is issued by Wirex's own e-money institution in the UK and by Transact Payments Malta Limited, a separate e-money institution, in the EEA.

Bank partner

Gemini Credit Card · GeminiVenmo Credit Card · VenmoFold Card · FoldCoinbase Card · CoinbaseWayex Visa Card · WayexWhiteBIT Nova · WhiteBIT

Bank partner means a chartered bank issues the card and carries the balance or the credit, with the company running the programme.

Other named issuer

Bleap Card · BleapCOCA Card · COCAGnosis Pay Card · Gnosis PayKrak Card · KrakenBitpanda Card · BitpandaMetaMask Card · MetaMaskEthena Pay · Ethena PayPlasma One · PlasmaCL Card · Ledger and BaanxSavePay Card · SavePayKarta · Karta FinanceNexo Card · NexoTuyo Card · TuyoimToken Card (Fiat24) · imTokenAvici Card · AviciBrighty Card · BrightySafePal Mastercard · SafePalTHORWallet Card · THORWalletTP Card · TokenPocketBitget Wallet Card · Bitget WalletTria Card · TriaBitrefill Card · BitrefillBinance Card · BinanceZypto Premium VISA Card · Zypto

Other named issuer means the company names its card partners on its own pages, and none of them is Rain, Stripe, a bank partner or its own licence.

Not named

RedotPay · RedotPayBybit Card · Bybit EUKripicard · KripicardPlutus Card · Plutus

Not named means the company's own pages leave out the issuer or the programme manager for at least part of its card programme. Third-party reports are on each profile, labelled as such.

How the Card Score works

Eight criteria, two points each, out of sixteen.

1. Custody. Self-custodial, funds stay in the user's own wallet or contract: 2. Custodial, with segregation of client funds stated by the company or reported by a named source: 1. Custodial with pooled or undocumented funds: 0.
2. Issuer and licence. Issuing bank or EMI named with its licence: 2. Issuer named but under a non-bank licence (money transmitter, MSO), or named only by third parties: 1. Issuer not disclosed: 0.
3. Availability. EU, UK and Gulf (UAE or Saudi) all served: 2. Two of the three: 1. One, or waitlist only: 0.
4. FX fee on a foreign-currency purchase. 0%: 2. Above 0% and up to 1.5%: 1. Above 1.5%: 0. When the FX fee depends on the currency, CBL scores the rate a European cardholder pays in a currency outside Europe, such as US dollars or UAE dirhams.
5. Funding cost. Stablecoin top-up free and both virtual and physical card free (a refundable deposit counts as free): 2. Small costs such as a delivery fee, a small fixed fee, or a conversion fee under 1%: 1. Card must be bought, or a conversion fee of 1% or more: 0.
6. Apple Pay and Google Pay. Both: 2. One: 1. None: 0.
7. Freeze and dispute policy. Published policy with a dispute window and a response time: 2. Published policy without timelines, or help articles only: 1. Nothing found: 0.
8. Yield on idle balance. Yield with no lock and no paywall: 2. Yield with a lock, a paid tier, or unconfirmed terms: 1. None: 0.

Cashback is shown as a dated fact and never scored; promo rates change too often. Card spend is shown as a dated third-party figure and plays no part in the Card Score. Health tags follow the bank rules: Solid, Watch, Caution or Unknown, judged on licences, backing, financials and regulatory history. Referral links never change the score.