Ethena Pay vs Crypto.com Visa Card
Ethena Pay scores 10/16, Crypto.com Visa Card scores 7/16 on the CBL Card Score. Here is every criterion side by side.
 Ethena Pay |  Crypto.com Visa Card | |
|---|---|---|
| Custody | 2 of 2 | 0 of 2 |
| Issuer and licence | 1 of 2 | 2 of 2 |
| Availability | 0 of 2 | 1 of 2 |
| FX fee on a foreign-currency purchase | 1 of 2 | 0 of 2 |
| Funding cost | 1 of 2 | 1 of 2 |
| Apple Pay and Google Pay | 1 of 2 | 2 of 2 |
| Freeze and dispute policy | 2 of 2 | 1 of 2 |
| Yield on idle balance | 2 of 2 | 0 of 2 |
| Total | 10 | 7 |
The short verdict: Ethena Pay leads overall (10 to 7). Self-custodial; user holds the keys, about 1% network fee, no markup FX. Health: Watch. Check each profile for what still needs confirming before deciding.
Cashback, as of 20 Oct 2026
| Ethena Pay | Paid in AVAX once daily after settlement, by monthly spend band. Standard 4% on the first $2,500, 1% to $4,000, nothing above. Pro 4.5% on the first $8,000, 2% to $10,000, 1% to $12,000, 0.5% above. VIP 5% on the first $20,000, 2% to $30,000, 1% to $40,000, 0.5% above. Minimum qualifying transaction $1; reversed on refunds or chargebacks (official, pricing page, updated 30 Sep 2026; FAQ). |
| Crypto.com Visa Card | Paid in CRO by tier: Midnight Blue 0%, Ruby 1.5% (cap $750 a month), Jade and Indigo 2.5% (cap $1,500), Icy and Rose 3.5% (cap $3,000), Obsidian 4.5% (cap $5,000) (official, crypto.com/eea/cards, checked 12 Oct 2026). |
Cashback is shown as a dated fact and never scored.