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Updated August 2026

Compare crypto cards on the numbers that bill you

Every figure comes straight from the provider's own fee page. Pick a card and see how it stacks up against Kite, or work out what a year would cost you.

Get the Kite app Pick a card
The lines that matterKiteTypical
Card issuanceFree$10 - $100
Annual feeFree$0 - $10,000
Cost to load0.53%0 - 1.00%
Non-USD spend1.8%0.5 - 1.7%
Who holds itYou doVaries
Issuance and annual fees Load and FX costs Custody Real eligibility

Pick a card

Which card do you want to compare?

8 full comparisons today, more on the way. Every one is built from that provider's own fee page and help centre, with the source linked at the bottom of the page.

Kite vs RedotPay $10 virtual card, 1.00% to convert, balance held by partners Compare Kite vs KAST Free tier, but tiered cashback, an FX range and no country list Compare Kite vs Rizon Non-custodial, but US and Latin America residents only Compare Kite vs Avici 0% forex with a Visa cross-border footnote, cards from $15 Compare Kite vs Tria Self-custodial Visa across 200+ chains, $25 a year Compare Kite vs Plasma One Free Lite card and XPL cashback, but no published FX rate Compare Kite vs ether.fi Cash Non-custodial cashback card, tiers gated on deposits Compare Kite vs Bybit Card Exchange-issued card, exchange custody, not in most of Asia Pacific Compare

Run your own numbers

Work out what a year costs you

Pick a card, put in what you actually spend, and the totals update. Every rate is the one that provider publishes, and you can change any assumption we made.

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The Kite Stable Card is free to issue. Every card figure here is the virtual card on both sides. Each other card is priced on its virtual card and the plan shown above, so the comparison is like for like rather than against a stripped-back free tier. Every figure is that provider's own.

How this is worked out

Everything here is arithmetic on published rates. No estimates, no scores, and nothing that depends on a number we made up.

  • Rates. Each provider's own fee page, read on 31 August 2026: RedotPay · KAST · Rizon · Avici · Tria · Plasma One · ether.fi Cash · Bybit Card, plus Kite.
  • Loading. You have to load enough to cover both what you spend and the FX fee on it, and the load fee is charged on the amount you send rather than the amount that lands. Both are accounted for, so the load line is a little higher than a flat percentage of your spend.
  • Ranges. Where a provider publishes a range instead of a rate, the slider starts at the midpoint and you can move it anywhere inside the published range.
  • Rewards and cashback are excluded on both sides. Kite's are not live yet, and the other rates are capped, tiered, or paid in tokens whose value moves, so including them would mean estimating. That is the generous assumption for the other card, not for Kite. If rewards matter most to you, read each provider's own terms.
  • ATM withdrawals are excluded on both sides. Kite's are not live yet, and every provider here charges for them, so leaving them out is the generous assumption for the other card, not for Kite.
  • Network gas is excluded from the totals and shown as a line instead, because the amount depends which chain you use. Kite covers it; the others do not.
  • Which card. Kite issues its card free in either form, so there is nothing to choose on this side. Each other provider is priced on its virtual card and the plan named beside its total, and that price is shown in the tooltip on that line.
  • Year one. One-off card fees are counted once, in full, in the first year.

Change any assumption above and the totals move with it. What does not move is what the Kite Stable Card costs you to own: nothing to get it, nothing to replace it, nothing to keep it, gas covered, and keys only you hold.

How to choose

How to compare stablecoin cards

Can you actually sign up?

Start here, because it is the only line that can rule a card out entirely. Some providers publish a country list, some publish a blocklist, and some only tell you at sign-up.

What does it cost to get money on?

Top-up and conversion fees are charged every single time you load, so a half-point difference compounds far faster than a one-off card fee.

What does a foreign spend cost?

Look for a number rather than a range, and check whether the network's cross-border fee is included or added on top.

Who holds the balance?

Between loading and spending, your money sits somewhere. Non-custodial means you keep the key; everything else means you are trusting a provider and its partners.

Questions

Questions about choosing a crypto card, answered

What is a stablecoin card?
A stablecoin card is a payment card funded from stablecoins such as USDC or USDT rather than a bank account. You move stablecoins onto the card, the balance is held in US dollars, and you spend it anywhere the card network is accepted. The merchant is paid in ordinary local currency and never sees the crypto side of it.
How does a stablecoin card work?
You load USDC or USDT from a wallet, the provider converts it to a US dollar card balance, and the card runs on normal Visa or Mastercard rails when you spend. Three things decide what it costs you: the fee to load, the fee when you spend in a currency other than US dollars, and whether the provider or you holds the balance in between.
Which crypto card is the best?
It depends on which of those costs you actually touch, which is why the tool above lets you put in your own spending. Kite is built for people who want the card itself to be free and the money to stay theirs: no issuance, replacement or maintenance fee, 0.53% to load, gas covered, one published FX rate, and a non-custodial wallet with the key in your hands.
Is there a USDT debit card?
Yes, and Kite is one. You can fund the Kite Stable Card with USDT on Ethereum, Polygon, Arbitrum, BSC or USDC on Base, Ethereum, Polygon, Arbitrum or BSC and the balance is held in US dollars once it lands. Loading costs 0.53%, spending in dollars costs nothing, and the network gas is covered.
How should I compare crypto cards?
Six lines cover most of it: what the card costs you to get, what it costs you to keep, what you pay to move stablecoins onto it, what you pay when you spend in another currency, who holds your money in between, and whether you can sign up where you live at all. Rewards matter too, but check what they cost you: a headline cashback rate behind a $1,000 subscription is a price, not a perk.
Why do some cards say 0% fees?
Usually because the zero applies to one line and the cost sits on another. A card can charge you 0% to top up and still take 1.75% when you spend abroad, or advertise a 0% forex markup and note separately that Visa adds a cross-border fee. Read the fee page, not the homepage, and add up the lines you will actually use.
Does Kite charge an annual fee?
No. The Kite Stable Card is free to issue, free to replace and free to keep, with no subscription tier to buy. You pay 0.53% to move USDC or USDT onto the card and 1.8% when you spend in a currency other than US dollars. Spending in dollars costs nothing, and the gas is covered.
Where is Kite Stable Card available?
You can sign up if you live in one of nine countries: Singapore, the Philippines, Malaysia, Thailand, Vietnam, Japan, South Korea, Taiwan or Australia. You need to be 18 or over and verify yourself once. The card itself works anywhere Visa is accepted.

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