#
CARD
MAX REWARD
FX FEE
REGION
01
Up to 2%
0%
Austria, Belgium, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Latvia, Lithuania, Luxembourg, Netherlands, Poland, Portugal, Slovakia, Slovenia, Spain
02
Up to 8%
0.35%
Andorra, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Gibraltar, Greece, Guernsey, Hungary, Iceland, Ireland, Isle of Man, Italy, Jersey, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Moldova, Monaco, Montenegro, Netherlands, Norway, Poland, Portugal, Romania, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, Ukraine, United Kingdom, Australia, Hong Kong, Japan, Macao, Malaysia, New Zealand, Philippines, South Korea, Taiwan, Thailand, Azerbaijan, Bahrain, Georgia, Kazakhstan, Oman, United Arab Emirates, Uzbekistan, Ghana, Kenya, Nigeria, South Africa, Uganda, Argentina, Brazil, Chile, Colombia, Ecuador, El Salvador, Mexico, Panama, Peru
04
1%
0% Bitpanda markup — Visa's exchange rate and mark-up apply
Austria, Belgium, Croatia, Cyprus, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Portugal, Slovakia, Slovenia, Spain (euro-area residents only; NOT available in: UK)
05
Krakby Kraken · Score 4.1/5
Up to 2%
0% in the UK and EEA; 1% in the US
UK, EEA, United States (NOT available in: New York, Maine, Massachusetts, Indiana); card usable for spending and ATMs in 200+ countries worldwide
06
Up to 5%
2% Core; 1.5% Prime; 1% Ultra
All EU and EEA member states (Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Iceland, Liechtenstein, Norway), United Kingdom, Switzerland, Andorra, Gibraltar, Guernsey, Jersey, Isle of Man, Moldova, Ukraine, Argentina, Belize, Bolivia, Brazil, Chile, Colombia, Costa Rica, Dominican Republic, Ecuador, El Salvador, Guatemala, Guyana, Honduras, Mexico, Panama, Paraguay, Peru, Suriname, Uruguay, Antigua and Barbuda, Bahamas, Barbados, Cayman Islands, Grenada, Saint Kitts and Nevis, Saint Lucia, Saint Vincent and the Grenadines, Trinidad and Tobago, Turks and Caicos Islands, Côte d'Ivoire, Egypt, Ghana, Kenya, Morocco, Nigeria, Senegal, South Africa, Uganda, Zambia, Azerbaijan, Bangladesh, Georgia, Hong Kong, Indonesia, Japan, Kazakhstan, Macao, Malaysia, Pakistan, Philippines, Singapore, South Korea, Taiwan, Thailand, Uzbekistan, Vietnam, Bahrain, Israel, Oman, Saudi Arabia, Turkey, United Arab Emirates, Australia, New Zealand, United States (30+ states). NOT available to residents of: Belarus, China, Cuba, India, Iran, Iraq, Myanmar, Nepal, Nicaragua, North Korea, Russia, Syria, Venezuela.
07
Up to 20%
0%
EEA, Switzerland
08
Coinbase Cardissued by Pathward, N.A.; powered by Marqeta · Score 4.0/5
Variable
No Coinbase transaction fee for card spending; crypto conversion may include Coinbase's spread
US
09
Up to 4%
1.5% on Essential; 0% on Elite (US); 0% on the UK card
United States (NOT available in: Louisiana, New York or US territories), United Kingdom
10
Up to 3%
Virtual: 1% cross-border fee; Metal: 0% cross-border fee subject to fair use
Andorra, Argentina, Austria, Belgium, Brazil, Bulgaria, Canada, Chile, Colombia, Costa Rica, Croatia, Cyprus, Denmark, Dominican Republic, El Salvador, Finland, France, Germany, Gibraltar, Greece, Guatemala, Guernsey, Hungary, Iceland, Ireland, Isle of Man, Italy, Jersey, Liechtenstein, Luxembourg, Malta, Mexico, Monaco, Netherlands, Norway, Panama, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland, Uruguay
11
Revolutby Revolut Ltd · Score 3.9/5
0-1%
0% up to £1,000/month on Standard, then a fair-usage fee; no limit on paid plans
EU, UK, Australia, Singapore, Switzerland, 40+ countries (US: separate Revolut product)
12
0%
0%
Andorra, Argentina, Austria, Belgium, Bosnia and Herzegovina, Brazil, Bulgaria, Canada, Colombia, Croatia, Cyprus, Denmark, Finland, France, Germany, Gibraltar, Greece, Guatemala, Hungary, Iceland, Ireland, Isle of Man, Italy, Jersey, Liechtenstein, Lithuania, Luxembourg, Malta, Mexico, Netherlands, Niger, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland, United States, Uruguay
13
Up to 8%
0%
Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Andorra, Gibraltar, Monaco, Montenegro, Switzerland, United Kingdom, Australia, Hong Kong, Indonesia, Malaysia, New Zealand, Philippines, Singapore, Taiwan, Thailand, Vietnam, Argentina, Brazil, Chile, Colombia, Ecuador, Mexico, Peru
14
None
0% (Visa's rate applies)
EEA, UK, Switzerland and selected Latin American markets
16
Up to 10%
up to 1% — on Nóva EUR card transactions; no separate universal FX fee is published
Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Norway, Iceland, Liechtenstein, Ukraine
17
Up to 5%
0%
150+ countries
18
Up to 1%
0%
110+ countries (NOT US — offshore banking focus; Gibraltar regulated)
19
Up to 1%
0%
EEA (all 30 countries; euro accounts, French-licensed)
20
Up to 3%
2% for non-EUR transactions
EEA
21
Up to 1%
2.5% + €1 international
EU
22
Up to 9%
2.5% non-domestic
Austria, Belgium, Bulgaria, Cyprus, Czechia, Denmark, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Spain, Sweden, United Kingdom
