BinanceBinance
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Side-by-side card comparison
Binance vs Decaf
Decaf Card has the higher Overall Score by 6 points (64 vs 58). Binance Card looks stronger for Cashback and Transfers, while Decaf Card comes out ahead for Travel, Funds control, and Lowest fees.
Latest check Oct 19, 202633 official sources reviewed
Binance Card
Best fit
- Spending supported crypto already held in Binance Funding or Spot accounts.
- Qualifying for higher cashback tiers through monthly card spending.
- Using USDC funding at 0.1% conversion instead of 0.9% for other crypto.
Before you choose
- Foreign purchases add 2% in most supported markets or 3% in New Zealand.
- Issuance is limited to selected countries; this is not the closed EEA Visa.
- Rewards and card formats vary by country; physical cards are not universal.
Decaf Card
Best fit
- Spending USDC received on Solana or Stellar through a separate card load.
- Using the virtual Visa for Apple Pay and Google Pay purchases.
- Receiving bank payments as USDC before allocating funds to the card.
Before you choose
- Virtual issuance costs $5; physical cards cost $10–$90 by region.
- US international fees are 1%; the non-USD international FX ceiling is 2%.
- Card collateral can be liquidated; US withdrawals require prior notice.
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Fees & features
Compare the details
Best markers compare published, comparable values. Unknown values never win a row.
Best known Not disclosed
CardsBinance CardOverall58Decaf CardOverall64
Binance CardOverall58Decaf CardOverall64Scores
- Overall Score
- Binance Card58Decaf Card64
- Cashback score
- Binance Card37Decaf Card29
- Travel score
- Binance Card36Decaf Card60
- Funds control score
- Binance Card47Decaf Card63
- Lowest fees score
- Binance Card56Decaf Card57
- Transfers score
- Binance Card76Decaf Card70
Costs
- Plan cost
- Binance Card$0Decaf Card$0
- FX fee
- Binance Card2–3%Decaf Card1–2%
- Top-up fee
- Binance CardNot disclosedDecaf CardCard-load fee unknown; parent-account bank deposits have separate charges
- Card spending fee
- Binance CardNot disclosedDecaf CardNot disclosed
- ATM fee
- Binance CardNot disclosedDecaf Card0% Decaf markup
- Virtual card
- Binance CardVirtual card up to 15 minutes after approval; 0 USD issuance feeDecaf Card$5
- Physical card
- Binance CardGlobal Program virtual-only; Brazil physical card is a separate regional branchDecaf Card$90 international / $10 US
Plans
- Available plans
- Binance Card3 plans: Tier 1, Tier 2, Tier 3Decaf CardNot disclosed
- Top cashback plan
- Binance CardTier 3: 3%Decaf CardNot disclosed
Everyday use
- Network
- Binance CardMastercardDecaf CardVisa
- Card formats
- Binance CardVirtualDecaf CardVirtual, Physical
- ATM withdrawals
- Binance CardNot disclosedDecaf CardNot disclosed
- Mobile wallets
- Binance CardGoogle PayDecaf CardApple Pay, Google Pay
- Apps
- Binance CardiOS, AndroidDecaf CardiOS, Android, Web
- Daily spending limit
- Binance CardShown in appDecaf CardNot disclosed
- Monthly spending limit
- Binance CardShown in appDecaf CardNot disclosed
- ATM limit
- Binance CardNot disclosedDecaf Card$250 per withdrawal; up to 3 withdrawals daily
Funding & transfers
- Networks
- Binance CardNot disclosedDecaf CardSolana, Stellar
- Crypto deposits
- Binance CardOther crypto: Supported cryptoDecaf CardStablecoins: USDC
- Fiat deposits
- Binance CardBinance account bank depositDecaf CardUSD, EUR and MXN account receipts
- Transfers
- Binance CardStablecoin transfers; Binance account fiat withdrawalDecaf CardParent-account bank withdrawals, MoneyGram cash pickup
- Payout currencies
- Binance CardNot disclosedDecaf CardUSD, EUR, MXN, COP, BRL, ARS, VES
Rewards
- Base cashback
- Binance Card1.5%Decaf CardNot disclosed
- Max cashback
- Binance Card3%Decaf CardNot disclosed
- Reward currency
- Binance CardUSDC or BTC equivalent cashback (country-dependent)Decaf CardNot disclosed
Earn
- Advertised APY
- Binance CardNot offeredDecaf CardNot disclosed
- How it works
- Binance CardNot offeredDecaf CardOptional earn vault
- Separate deposit
- Binance CardNot offeredDecaf CardYes
- Use balance for spending
- Binance CardNot offeredDecaf CardNot disclosed
- Lock-up
- Binance CardNot offeredDecaf CardNot disclosed
Trust & availability
- Custody
- Binance CardCustodialDecaf CardNon-custodial
- Control until payment
- Binance CardProvider controls fundsDecaf CardNot disclosed
- Card issuer
- Binance CardImmersve LimitedDecaf CardThird National, Inc.
- Card processing
- Binance CardNot disclosedDecaf CardRain
- Deposits & withdrawals
- Binance CardNot disclosedDecaf CardMoneyGram
Sources
- Official sources
- Binance Card12Decaf Card21
- Last reviewed
- Binance CardAug 5, 2026Decaf CardOct 19, 2026
Choosing between these cards
When to choose Binance or Decaf
Spending in foreign currencies
For FX on foreign-currency purchases, Binance lists 2–3%, versus 1–2% at Decaf. Use the tariff for your country and plan; conversion fees can add to these figures.
Paying with a physical card
Decaf offers a physical card, while Binance does not. For purchases that require the card itself rather than a phone wallet, consider Decaf and check its order and delivery terms.
Common questions
Binance vs Decaf FAQ
Is Binance or Decaf better overall?
Decaf Card has the higher Overall Score (64 vs 58). That does not make it better for everyone: your preferred fees, rewards, way of holding funds and country availability can change the practical choice.
Which has lower fees, Binance or Decaf?
Decaf Card has the lower published FX fee (1–2% vs 2–3%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Binance or Decaf?
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below. Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Binance and Decaf differ on custody?
Binance Card uses a custodial balance setup, while Decaf Card uses a non-custodial account setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Binance vs Decaf comparison?
The latest information check for these two cards was October 19, 2026, using 33 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.