Crypto.comCrypto.com Prepaid
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Side-by-side card comparison
Crypto.com Prepaid vs Ethena Pay: fees, rewards and account setup
Ethena Pay Card has the higher Overall Score by 29 points (86 vs 57). Ethena Pay Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Crypto.com Prepaid Card may still be the better personal fit.
Information checked Sep 1, 202626 official sources reviewed
01 · Make the first cut
Ethena Pay Card is the better all-round starting point
Ethena Pay Card has the higher Overall Score in this comparison. Crypto.com Prepaid Card may still suit you better if its card format, way of holding funds or availability is the deciding factor. A score cannot tell you whether a provider will accept your application or whether every feature will be available where you live, so check the latest provider terms before signing up.
OverallCrypto.com Prepaid57Ethena Pay86Higher score
CashbackCrypto.com Prepaid31Ethena Pay89Higher score
TravelCrypto.com Prepaid57Ethena Pay64Higher score
Funds controlCrypto.com Prepaid39Ethena Pay86Higher score
Lowest feesCrypto.com Prepaid48Ethena Pay87Higher score
TransfersCrypto.com Prepaid47Ethena Pay82Higher score
Choose Crypto.com Prepaid Card if its day-to-day setup suits you
Crypto.com Prepaid Card does not lead one of the use-case scores here, but it can still be the right choice when its costs, rewards and day-to-day setup match how you plan to use it. The other card looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers, so compare that advantage with the features you would actually use.
- Prepaid spend from a loaded balance
- Level Up tiers can raise CRO rewards
- Several card top-up paths
Choose Ethena Pay Card if cashback and travel matter most
Ethena Pay Card comes out ahead for Cashback, Travel, Funds control, Lowest fees, and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Strong Standard cashback bands
- No Standard monthly fee or FX markup
- Collateral stays in linked wallets
The differences that could change the result
The overall score points one way, but a specific use case or product condition may point another.
- Overall Score
- Crypto.com Prepaid57Ethena Pay86
Ethena Pay Card has the higher Overall Score by 29 points.
- Entry cost & FX
- Crypto.com Prepaid$0 plan · 0–3% FXEthena Pay$0 plan · 0% Ethena Pay markup; Visa rate applies FX
Ethena Pay Card has the lower published FX fee (0% Ethena Pay markup; Visa rate applies vs 0–3%).
- Purchase rewards
- Crypto.com Prepaid0% base · up to 5%Ethena Pay4% base · up to 5%
Ethena Pay Card has the higher published base cashback rate (4% vs 0%).
- Funds control
- Crypto.com PrepaidCustodial balanceEthena PayHybrid custody
Crypto.com Prepaid Card uses a custodial balance setup, while Ethena Pay Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- Crypto.com PrepaidVirtual + Physical · Apple Pay, Google PayEthena PayVirtual · Apple Pay
Crypto.com Prepaid Card lists more card formats and phone-wallet options (4 vs 2).
- Money movement
- Crypto.com Prepaid0 stablecoins · US card-to-card sendEthena Pay1 stablecoin · Stablecoin transfers; Ethena Pay user transfer; Bank withdrawal
Ethena Pay Card lists more stablecoins and ways to send money out (4 vs 1).
02 · Read the shortlist
A closer look at the two cards
These quick facts cover the costs, rewards and everyday features most likely to shape your choice. Use the full table below when you want the finer details.
- Cashback
- 0%-5%
- Plan cost
- $0
- FX fee
- 0–3%
- ATM fee
- 0–2%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 2 fiat
- Payout methods
- 0 crypto · 0 fiat
- Cashback
- 4%-5%
- Plan cost
- $0
- FX fee
- 0% Ethena Pay markup; Visa rate applies
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay
- Receive methods
- 0 crypto · 0 fiat
- Payout methods
- 1 crypto · 0 fiat
03 · Compare the details
Compare the details side by side
We highlight a better number only when both cards publish values that can be compared fairly. Anything missing stays clearly marked.
Best known Not disclosed
CardsCrypto.com Prepaid CardOverall57Ethena Pay CardOverall86
Crypto.com Prepaid CardOverall57Ethena Pay CardOverall86Scores
6 fields- Overall Score
- Crypto.com Prepaid Card57Ethena Pay Card86
- Cashback score
- Crypto.com Prepaid Card31Ethena Pay Card89
- Travel score
- Crypto.com Prepaid Card57Ethena Pay Card64
- Funds control score
- Crypto.com Prepaid Card39Ethena Pay Card86
- Lowest fees score
- Crypto.com Prepaid Card48Ethena Pay Card87
- Transfers score
- Crypto.com Prepaid Card47Ethena Pay Card82
Strengths & trade-offs
2 fields- Strengths
- Crypto.com Prepaid CardPrepaid spend from a loaded balance, Level Up tiers can raise CRO rewardsEthena Pay CardStrong Standard cashback bands, No Standard monthly fee or FX markup
- Trade-offs
- Crypto.com Prepaid CardFees vary by method, tier and region, Spending uses a Crypto.com prepaid balanceEthena Pay CardCard access is still application-gated, One-day payment grace adds liquidation risk
Costs
7 fields- Plan cost
- Crypto.com Prepaid Card$0Ethena Pay Card$0
- FX fee
- Crypto.com Prepaid Card0–3%Ethena Pay Card0% Ethena Pay markup; Visa rate applies
- Top-up fee
- Crypto.com Prepaid Card2.99%Ethena Pay CardProvider collateral-funding fee unknown; external network gas is separate
- Card spending fee
- Crypto.com Prepaid CardNot disclosedEthena Pay Card0%
- ATM fee
- Crypto.com Prepaid Card0–2%Ethena Pay CardNot available
- Virtual card
- Crypto.com Prepaid CardAvailable for online use; separate virtual-card fee not listedEthena Pay CardUSD 0
- Physical card
- Crypto.com Prepaid CardUS first physical card: Midnight $4.99; Ruby $29.99; other listed US Visa cards $0Ethena Pay CardNot disclosed
Plans
2 fields- Available plans
- Crypto.com Prepaid Card5 plans: Basic, Plus, Pro, Private Icy/Rose +1Ethena Pay Card3 plans: Standard, Pro, VIP
- Top cashback plan
- Crypto.com Prepaid CardPrivate Obsidian: 5%Ethena Pay CardVIP: 5%
Everyday use
8 fields- Network
- Crypto.com Prepaid CardVisa/MastercardEthena Pay CardVisa
- Card formats
- Crypto.com Prepaid CardVirtual, PhysicalEthena Pay CardVirtual
- ATM withdrawals
- Crypto.com Prepaid CardAvailableEthena Pay CardNot available
- Mobile wallets
- Crypto.com Prepaid CardApple Pay, Google PayEthena Pay CardApple Pay
- Apps
- Crypto.com Prepaid CardiOS, AndroidEthena Pay CardiOS, Web
- Daily spending limit
- Crypto.com Prepaid CardUS Midnight $10,000/day; US Ruby and higher $25,000/day; Europe EUR 25,000/dayEthena Pay CardDynamic, based on collateral market value
- Monthly spending limit
- Crypto.com Prepaid CardUS Midnight $15,000/month; US Ruby and higher $25,000/month; Europe EUR 25,000/month; Europe EUR 250,000/yearEthena Pay CardDynamic, based on collateral market value
- ATM limit
- Crypto.com Prepaid CardMonthly free ATM allowance by tier: midnight $200; ruby $400; jade Royal $800; icy Rose Obsidian $1,000; then 2%Ethena Pay CardNot available
Funding & transfers
5 fields- Networks
- Crypto.com Prepaid CardNot disclosedEthena Pay CardEthereum, Polygon, Optimism, Arbitrum
- Crypto deposits
- Crypto.com Prepaid CardOther crypto: BTC, ETHEthena Pay CardNot disclosed
- Fiat deposits
- Crypto.com Prepaid CardUS prepaid card top-up, EU / UK prepaid card top-upEthena Pay CardNot disclosed
- Transfers
- Crypto.com Prepaid CardUS card-to-card sendEthena Pay CardStablecoin transfers; Ethena Pay user transfer; Bank withdrawal
- Payout currencies
- Crypto.com Prepaid CardNot disclosedEthena Pay CardNot disclosed
Rewards
3 fields- Base cashback
- Crypto.com Prepaid Card0%Ethena Pay Card4%
- Max cashback
- Crypto.com Prepaid Card5%Ethena Pay Card5%
- Reward currency
- Crypto.com Prepaid CardCRO rewardsEthena Pay CardAVAX
Earn
5 fields- Advertised APY
- Crypto.com Prepaid CardNot offeredEthena Pay CardUp to 6% APY
- How it works
- Crypto.com Prepaid CardNot offeredEthena Pay CardEarn on spending balance
- Separate deposit
- Crypto.com Prepaid CardNot offeredEthena Pay CardNo
- Use balance for spending
- Crypto.com Prepaid CardNot offeredEthena Pay CardYes
- Lock-up
- Crypto.com Prepaid CardNot offeredEthena Pay CardNo
Trust & availability
6 fields- Custody
- Crypto.com Prepaid CardCustodialEthena Pay CardHybrid custody
- Control until payment
- Crypto.com Prepaid CardProvider controls fundsEthena Pay CardYou keep control
- Card issuer
- Crypto.com Prepaid CardCommunity Federal Savings Bank, Foris MT Limited, ForisGFS UK Limited +2Ethena Pay CardThird National
- Card processing
- Crypto.com Prepaid CardNot disclosedEthena Pay CardSignify Holdings, Inc. d/b/a Rain
- Identity verification
- Crypto.com Prepaid CardNot disclosedEthena Pay CardSumsub
- Programme operator
- Crypto.com Prepaid CardCrypto.com, Foris, Inc.Ethena Pay CardNot disclosed
Sources
2 fields- Official sources
- Crypto.com Prepaid Card14Ethena Pay Card12
- Last reviewed
- Crypto.com Prepaid CardAug 14, 2026Ethena Pay CardSep 1, 2026
04 · The takeaway
Ethena Pay Card is the stronger all-round choice
Ethena Pay Card finishes ahead with an Overall Score of 86 versus 57 for Crypto.com Prepaid Card. Ethena Pay Card has the lower published FX fee (0% Ethena Pay markup; Visa rate applies vs 0–3%). Ethena Pay Card has the higher published base cashback rate (4% vs 0%).
Crypto.com Prepaid Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. Crypto.com Prepaid Card uses a custodial balance setup, while Ethena Pay Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
Ethena Pay Card lists more stablecoins and ways to send money out (4 vs 1). Before applying, confirm availability in your country and recheck the provider's current fees and reward conditions.
If one card now looks like the better fit, you can check the latest application terms on the provider site or read our full Crypto.com Prepaid Card and Ethena Pay Card reviews first.
Continue with
Crypto.com Prepaid Card
Continue with
Ethena Pay Card
05 · Common questions
Crypto.com Prepaid vs Ethena Pay FAQ
Is Crypto.com Prepaid or Ethena Pay better overall?
Ethena Pay Card has the higher Overall Score (86 vs 57). 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, Crypto.com Prepaid or Ethena Pay?
Ethena Pay Card has the lower published FX fee (0% Ethena Pay markup; Visa rate applies vs 0–3%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Crypto.com Prepaid or Ethena Pay?
Ethena Pay Card has the higher published base cashback rate (4% vs 0%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Crypto.com Prepaid and Ethena Pay differ on custody?
Crypto.com Prepaid Card uses a custodial balance setup, while Ethena Pay Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Crypto.com Prepaid vs Ethena Pay comparison?
The latest information check for these two cards was September 1, 2026, using 26 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.