Top 3s, by the numbers
Each list is sorted by one number you can check. No card pays for a place.
a month in
All amounts in US dollars
Most money back
What you keep a month, after every fee
- 1Tria CardMax (Metal), paid in USDT$99
- 2ether.fi CashCore, paid in ETHFI$60
- 3Lava CardCashback, paid in BTC$60
Spending abroad
What it costs to spend in another currency, all in
- 1Lava CardCashback, paid in BTC0.3%
- 2Jupiter CardStandard, paid in USDC1.3%
- 3KAST CardStandard, paid in USD1.3%
Airport lounges
Lowest plan cost with lounge access
- 1XPlaceSilver, paid in USDC$99 a year
- 2Tria CardPro, paid in USDT$109 a year
- 3ether.fi CashLuxe ($199/yr), paid in ETHFI$199 a year
Travel insurance
Lowest plan cost with travel insurance
- 1ether.fi CashCore, paid in ETHFINo plan fee
- 2Lava CardCashback, paid in BTCNo plan fee
- 3Avici CardSignature$30 a year
Borrow against crypto
Loan-to-value on BTC or ETH
- 1XPlaceVariable Kamino rate70%
- 2ether.fi CashVariable, about 4%55%
- 3Lava CardAbout 9.5% all-in under $100k50%
Rewards in dollars
What you keep, paid in stablecoins or cash
- 1Tria CardMax (Metal), paid in USDT$99
- 2Jupiter CardStandard, paid in USDC$40
- 3KAST CardStandard, paid in USD$30
Rewards in Bitcoin
What you keep, paid in Bitcoin
See all 2No card fees
What you keep on a free plan
- 1ether.fi CashCore, paid in ETHFI$60
- 2Lava CardCashback, paid in BTC$60
- 3Jupiter CardStandard, paid in USDC$40
Your own keys
What you keep, self-custody cards
- 1Tria CardMax (Metal), paid in USDT$99
- 2ether.fi CashCore, paid in ETHFI$60
- 3Tangem PayBasic, paid in USDC$20
AI and subscriptions
Extra a month on $200 of AI tools and $50 of subscriptions
See all 1How the lists work
Every card runs through the same calculation, including cards that pay us nothing. Change the spend or where you live and every list re-sorts.
Care about two things at once?Pick up to three and see the cards that have them all.Open the calculator
More lists
General information only, not a recommendation. Figures are estimates from each card's published terms.

