JupiterJupiter
81
Side-by-side card comparison
Jupiter vs Ethena Pay: fees, rewards and account setup
Ethena Pay Card has the higher Overall Score by 5 points (86 vs 81). Ethena Pay Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Jupiter Card may still be the better personal fit.
Information checked Sep 1, 202637 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. Jupiter 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.
OverallJupiter81Ethena Pay86Higher score
CashbackJupiter87Ethena Pay89Higher score
TravelJupiter52Ethena Pay64Higher score
Funds controlJupiter54Ethena Pay86Higher score
Lowest feesJupiter79Ethena Pay87Higher score
TransfersJupiter76Ethena Pay82Higher score
Choose Jupiter Card if its day-to-day setup suits you
Jupiter 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.
- 2% base cashback in USDC
- No annual or USD spend fee
- Apple Pay and Google Pay ready
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
- Jupiter81Ethena Pay86
Ethena Pay Card has the higher Overall Score by 5 points.
- Entry cost & FX
- Jupiter$0 plan · 1–1.8% 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 1–1.8%).
- Purchase rewards
- Jupiter2% base · up to 4%Ethena Pay4% base · up to 5%
Ethena Pay Card has the higher published base cashback rate (4% vs 2%).
- Funds control
- JupiterCustodial balanceEthena PayHybrid custody
Jupiter 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
- JupiterVirtual · Apple Pay, Google PayEthena PayVirtual · Apple Pay
Jupiter Card lists more card formats and phone-wallet options (3 vs 2).
- Money movement
- Jupiter2 stablecoins · Noah local and SWIFT payoutsEthena Pay1 stablecoin · Stablecoin transfers; Ethena Pay user transfer; Bank withdrawal
Ethena Pay Card lists more stablecoins and ways to send money out (4 vs 3).
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
- 2%-4%
- Plan cost
- $0
- FX fee
- 1–1.8%
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 2 fiat
- Payout methods
- 0 crypto · 20 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
Current signup offers
Signup value available today
A welcome offer can improve the value of your first months with a card. Check the eligibility rules, qualifying actions and deadline first. Signup offers are excluded from card scores.
Jupiter Card
Get $20
$20 after qualifying Jupiter Card spend
- Activate the Jupiter Card.
- Spend $1,000 on qualifying card purchases within 30 days of activation.
Jupiter Card promo codeZEJ8C4ZS
Offer terms can change. Check the current Jupiter Spend referral programme before applying.
Ethena Pay Card
No active signup offer listed
We do not currently list an active signup offer for this card.
Partner links may earn us a commission. Read our affiliate disclosure for how these links work.
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
CardsJupiter CardOverall81Ethena Pay CardOverall86
Jupiter CardOverall81Ethena Pay CardOverall86Scores
6 fields- Overall Score
- Jupiter Card81Ethena Pay Card86
- Cashback score
- Jupiter Card87Ethena Pay Card89
- Travel score
- Jupiter Card52Ethena Pay Card64
- Funds control score
- Jupiter Card54Ethena Pay Card86
- Lowest fees score
- Jupiter Card79Ethena Pay Card87
- Transfers score
- Jupiter Card76Ethena Pay Card82
Strengths & trade-offs
2 fields- Strengths
- Jupiter Card2% base cashback in USDC, No annual or USD spend feeEthena Pay CardStrong Standard cashback bands, No Standard monthly fee or FX markup
- Trade-offs
- Jupiter Card4% requires fresh referrals, FX depends on your issuerEthena Pay CardCard access is still application-gated, One-day payment grace adds liquidation risk
Costs
7 fields- Plan cost
- Jupiter Card$0Ethena Pay Card$0
- FX fee
- Jupiter Card1–1.8%Ethena Pay Card0% Ethena Pay markup; Visa rate applies
- Top-up fee
- Jupiter Card0%Ethena Pay CardProvider collateral-funding fee unknown; external network gas is separate
- Card spending fee
- Jupiter Card0%Ethena Pay Card0%
- ATM fee
- Jupiter CardNot availableEthena Pay CardNot available
- Virtual card
- Jupiter CardNot disclosedEthena Pay CardUSD 0
- Physical card
- Jupiter CardPlanned by the end of 2026; not currently availableEthena Pay CardNot disclosed
Plans
2 fields- Available plans
- Jupiter CardNot disclosedEthena Pay Card3 plans: Standard, Pro, VIP
- Top cashback plan
- Jupiter CardNot disclosedEthena Pay CardVIP: 5%
Everyday use
8 fields- Network
- Jupiter CardVisaEthena Pay CardVisa
- Card formats
- Jupiter CardVirtualEthena Pay CardVirtual
- ATM withdrawals
- Jupiter CardNot availableEthena Pay CardNot available
- Mobile wallets
- Jupiter CardApple Pay, Google PayEthena Pay CardApple Pay
- Apps
- Jupiter CardiOS, AndroidEthena Pay CardiOS, Web
- Daily spending limit
- Jupiter CardDCS: $50,000/day; Rain: no disclosed daily limitEthena Pay CardDynamic, based on collateral market value
- Monthly spending limit
- Jupiter CardMonthly limit not disclosed; DCS lists $990,000/year and Rain no disclosed annual limitEthena Pay CardDynamic, based on collateral market value
- ATM limit
- Jupiter CardNot available on the current digital-only cardEthena Pay CardNot available
Funding & transfers
5 fields- Networks
- Jupiter CardSolana, Sui, Arbitrum, BaseEthena Pay CardEthereum, Polygon, Optimism, Arbitrum
- Crypto deposits
- Jupiter CardStablecoins: USDC, USDTEthena Pay CardNot disclosed
- Fiat deposits
- Jupiter CardUSD virtual account receive, EUR virtual account receiveEthena Pay CardNot disclosed
- Transfers
- Jupiter CardNoah local and SWIFT payoutsEthena Pay CardStablecoin transfers; Ethena Pay user transfer; Bank withdrawal
- Payout currencies
- Jupiter CardAED, BRL, CAD, EUR, GBP, IDR, INR, JPY +12Ethena Pay CardNot disclosed
Rewards
3 fields- Base cashback
- Jupiter Card2%Ethena Pay Card4%
- Max cashback
- Jupiter Card4%Ethena Pay Card5%
- Reward currency
- Jupiter CardUSDCEthena Pay CardAVAX
Earn
5 fields- Advertised APY
- Jupiter CardNot disclosedEthena Pay CardUp to 6% APY
- How it works
- Jupiter CardOptional earn vaultEthena Pay CardEarn on spending balance
- Separate deposit
- Jupiter CardYesEthena Pay CardNo
- Use balance for spending
- Jupiter CardNoEthena Pay CardYes
- Lock-up
- Jupiter CardNoEthena Pay CardNo
Trust & availability
6 fields- Custody
- Jupiter CardCustodialEthena Pay CardHybrid custody
- Control until payment
- Jupiter CardProvider controls fundsEthena Pay CardYou keep control
- Card issuer
- Jupiter CardRain, DCSEthena Pay CardThird National
- Card processing
- Jupiter CardNot disclosedEthena Pay CardSignify Holdings, Inc. d/b/a Rain
- Deposits & withdrawals
- Jupiter CardNoahEthena Pay CardNot disclosed
- Identity verification
- Jupiter CardSumsubEthena Pay CardSumsub
Sources
2 fields- Official sources
- Jupiter Card25Ethena Pay Card12
- Last reviewed
- Jupiter CardAug 12, 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 81 for Jupiter Card. Ethena Pay Card has the lower published FX fee (0% Ethena Pay markup; Visa rate applies vs 1–1.8%). Ethena Pay Card has the higher published base cashback rate (4% vs 2%).
Jupiter Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. Jupiter 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 3). 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 Jupiter Card and Ethena Pay Card reviews first.
Continue with
Jupiter Card
Continue with
Ethena Pay Card
05 · Common questions
Jupiter vs Ethena Pay FAQ
Is Jupiter or Ethena Pay better overall?
Ethena Pay Card has the higher Overall Score (86 vs 81). 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, Jupiter or Ethena Pay?
Ethena Pay Card has the lower published FX fee (0% Ethena Pay markup; Visa rate applies vs 1–1.8%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Jupiter or Ethena Pay?
Ethena Pay Card has the higher published base cashback rate (4% vs 2%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Jupiter and Ethena Pay differ on custody?
Jupiter 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 Jupiter vs Ethena Pay comparison?
The latest information check for these two cards was September 1, 2026, using 37 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.