DeCard vs Crypto.com Visa Card
On cashback DeCard wins (up to 10%, but the full rate requires Nessuno). In our editorial rating Crypto.com Visa Card leads (4.5 vs 3.0). Neither wins across the board: weigh the points above against your use case before choosing between DeCard and Crypto.com Visa Card.
| DeCard | Crypto.com Visa Card | |
|---|---|---|
| Tier | B | A |
| Rating | ★ 3.0 | ★ 4.5 |
| Estimated net annual cost | €0 | €0 |
| Network | Visa | Visa |
| Fund custody | Custodial (platform holds funds) | Custodial (platform holds funds) |
| Issuance fee | €10 | Free |
| Annual fee | Free | Free |
| Free ATM limit | 1% of withdrawal or US$5 (whichever is greater) + ATM operator fees | €400–1,000/month free, then 2% |
| ATM withdrawal | 1% | 2% |
| FX markup | 0% | 0% |
| Cashback | 10% · Nessuno | 5% in CRO · Staking CRO per i tier oltre il 1% |
| Contactless | Yes | Yes |
| Virtual card | Yes | Yes |
| KYC | Full | Full |
| Privacy | 3/10 | 2/10 |
| Supported countries | APAC | US, EEA, UK, APAC, LATAM, MENA · 90+ countries |
| Regulator | MAS (Singapore) | MFSA |
| Segment | B2C | B2C |
| On-chain settlement | — | No |
| Funding / solidity | — | 100M+ utenti · $1,5B ricavi |
| OAM Italy registration | — | Yes |
| Regions | APAC | US, EU/EEA, UK, APAC, LATAM, MENA |
| Licences & safety | MAS-regulated card issuer (DCS Card Centre), Settlement via MAS-licensed DPT service providers | MiCA, MAS, VASP |
Frequently asked questions
DeCard vs Crypto.com Visa Card: which is better?
On cashback DeCard wins (up to 10%, but the full rate requires Nessuno). In our editorial rating Crypto.com Visa Card leads (4.5 vs 3.0). Neither wins across the board: weigh the points above against your use case before choosing between DeCard and Crypto.com Visa Card.
Which is cheaper, DeCard or Crypto.com Visa Card?
On the standard spending profile DeCard has the lowest net annual cost: €0 versus €0 for Crypto.com Visa Card.
Which offers more cashback, DeCard or Crypto.com Visa Card?
DeCard has the highest cashback: up to 10%. Note the top rate often requires token staking and is subject to spending caps.
Is DeCard custodial or self-custody?
DeCard is custodial: funds are held by the platform, while Crypto.com Visa Card is custodial.