Top 3s, by the numbers
Each list is sorted by one number you can check. No card pays for a place.
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
- 3Tangem PayBasic, paid in USDC$20
Spending abroad
What it costs to spend in another currency, all in
See all 7Airport 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
See all 2Borrow against crypto
Loan-to-value on BTC or ETH
See all 2Rewards in dollars
What you keep, paid in stablecoins or cash
- 1Tria CardMax (Metal), paid in USDT$99
- 2Tangem PayBasic, paid in USDC$20
- 3XPlaceSilver, paid in USDC$12
Rewards in Bitcoin
What you keep, paid in Bitcoin
No card here where you live.
See all 0No card fees
What you keep on a free plan
See all 5Your 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
No card here where you live.
See all 0Every card runs through the same calculation, including cards that pay us nothing. We only rank self-custodial cards, where you hold the keys. Change the spend or where you live and every list re-sorts.
More lists
General information only, not a recommendation. Figures are estimates from each card's published terms.

