JupiterJupiter
81
Side-by-side card comparison
Jupiter vs Payy: overall score versus use-case fit
Jupiter Card has the higher Overall Score by 19 points (81 vs 62). Jupiter Card looks stronger for Cashback, Travel, Lowest fees, and Transfers, while Payy Card comes out ahead for Funds control.
Information checked Aug 12, 202630 official sources reviewed
01 · Overall score versus use-case fit
Jupiter Card is the better all-round starting point
Jupiter Card has the higher Overall Score in this comparison. Payy Card may be the better fit for Funds control. 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.
OverallJupiter81Payy62Higher score
CashbackJupiter87Payy17Higher score
TravelJupiter52Payy27Higher score
Funds controlJupiter54Payy97Higher score
Lowest feesJupiter79Payy57Higher score
TransfersJupiter76Payy68Higher score
Choose Jupiter Card if cashback and travel matter most
Jupiter Card comes out ahead for Cashback, Travel, 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.
- 2% base cashback in USDC
- No annual or USD spend fee
- Apple Pay and Google Pay ready
Choose Payy Card if funds control matters most
Payy Card comes out ahead for Funds control in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Self-custody wallet control
- No monthly or transaction fee
- Instant virtual Visa with phone wallets
Where each card has the edge
The overall leader does not win every use case, so the reason you want the card matters here.
- Overall Score
- Jupiter81Payy62
Jupiter Card has the higher Overall Score by 19 points.
- Entry cost & FX
- Jupiter$0 plan · 1–1.8% FXPayy$0 plan · 1–3% FX
Jupiter Card has the lower published FX fee (1–1.8% vs 1–3%).
- Purchase rewards
- Jupiter2% base · up to 4%Payy0% cashback
Jupiter Card has the higher published base cashback rate (2% vs 0%).
- Funds control
- JupiterCustodial balancePayySelf-controlled wallet
Jupiter Card uses a custodial balance setup, while Payy Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- JupiterVirtual · Apple Pay, Google PayPayyVirtual · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Jupiter2 stablecoins · Noah local and SWIFT payoutsPayy1 stablecoin · Stablecoin transfers; Payy payment links
Both cards list the same number of stablecoins and ways to send money out.
02 · Read the shortlist
A closer look at the split decision
Start with the strengths that drive each use-case result, then test them against costs and access.
- 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
- 0%
- Plan cost
- $0
- FX fee
- 1–3%
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 1 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.
Payy 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
See how the trade-offs line up
Comparable figures receive a marker; missing or unverified details stay visible instead of becoming an assumed advantage.
Best known Not disclosed
CardsJupiter CardOverall81Payy CardOverall62
Jupiter CardOverall81Payy CardOverall62Scores
6 fields- Overall Score
- Jupiter Card81Payy Card62
- Cashback score
- Jupiter Card87Payy Card17
- Travel score
- Jupiter Card52Payy Card27
- Funds control score
- Jupiter Card54Payy Card97
- Lowest fees score
- Jupiter Card79Payy Card57
- Transfers score
- Jupiter Card76Payy Card68
Strengths & trade-offs
2 fields- Strengths
- Jupiter Card2% base cashback in USDC, No annual or USD spend feePayy CardSelf-custody wallet control, No monthly or transaction fee
- Trade-offs
- Jupiter Card4% requires fresh referrals, FX depends on your issuerPayy CardFX can reach 3%, Cash and physical access are constrained
Costs
7 fields- Plan cost
- Jupiter Card$0Payy Card$0
- FX fee
- Jupiter Card1–1.8%Payy Card1–3%
- Top-up fee
- Jupiter Card0%Payy Card0%
- Card spending fee
- Jupiter Card0%Payy Card0%
- ATM fee
- Jupiter CardNot availablePayy CardNot available
- Virtual card
- Jupiter CardNot disclosedPayy CardFree; instant after KYC
- Physical card
- Jupiter CardPlanned by the end of 2026; not currently availablePayy CardNot disclosed
Plans
2 fields- Available plans
- Jupiter CardNot disclosedPayy CardNot disclosed
- Top cashback plan
- Jupiter CardNot disclosedPayy CardNot disclosed
Everyday use
8 fields- Network
- Jupiter CardVisaPayy CardVisa/Other network
- Card formats
- Jupiter CardVirtualPayy CardVirtual
- ATM withdrawals
- Jupiter CardNot availablePayy CardNot available
- Mobile wallets
- Jupiter CardApple Pay, Google PayPayy CardApple Pay, Google Pay
- Apps
- Jupiter CardiOS, AndroidPayy CardiOS, Android
- Daily spending limit
- Jupiter CardDCS: $50,000/day; Rain: no disclosed daily limitPayy CardNot disclosed
- Monthly spending limit
- Jupiter CardMonthly limit not disclosed; DCS lists $990,000/year and Rain no disclosed annual limitPayy CardNot disclosed
- ATM limit
- Jupiter CardNot available on the current digital-only cardPayy CardNot disclosed
Funding & transfers
5 fields- Networks
- Jupiter CardSolana, Sui, Arbitrum, BasePayy CardPolygon, Payy Network
- Crypto deposits
- Jupiter CardStablecoins: USDC, USDTPayy CardStablecoins: USDC
- Fiat deposits
- Jupiter CardUSD virtual account receive, EUR virtual account receivePayy CardBank-account deposit
- Transfers
- Jupiter CardNoah local and SWIFT payoutsPayy CardStablecoin transfers; Payy payment links
- Payout currencies
- Jupiter CardAED, BRL, CAD, EUR, GBP, IDR, INR, JPY +12Payy CardNot disclosed
Rewards
3 fields- Base cashback
- Jupiter Card2%Payy Card0%
- Max cashback
- Jupiter Card4%Payy Card0%
- Reward currency
- Jupiter CardUSDCPayy CardNo cashback
Earn
5 fields- Advertised APY
- Jupiter CardNot disclosedPayy CardNot offered
- How it works
- Jupiter CardOptional earn vaultPayy CardNot offered
- Separate deposit
- Jupiter CardYesPayy CardNot offered
- Use balance for spending
- Jupiter CardNoPayy CardNot offered
- Lock-up
- Jupiter CardNoPayy CardNot offered
Trust & availability
6 fields- Custody
- Jupiter CardCustodialPayy CardSelf-custody
- Control until payment
- Jupiter CardProvider controls fundsPayy CardYou keep control
- Card issuer
- Jupiter CardRain, DCSPayy CardThird National / Rain
- Card processing
- Jupiter CardNot disclosedPayy CardRain
- Deposits & withdrawals
- Jupiter CardNoahPayy CardNot disclosed
- Identity verification
- Jupiter CardSumsubPayy CardNot disclosed
Sources
2 fields- Official sources
- Jupiter Card25Payy Card5
- Last reviewed
- Jupiter CardAug 12, 2026Payy CardAug 5, 2026
04 · The trade-off
Jupiter Card is the stronger all-round choice
Jupiter Card finishes ahead with an Overall Score of 81 versus 62 for Payy Card. Jupiter Card has the lower published FX fee (1–1.8% vs 1–3%). Jupiter Card has the higher published base cashback rate (2% vs 0%).
Payy Card still comes out ahead for Funds control, which may matter more than the overall result if that is how you plan to use the card. Jupiter Card uses a custodial balance setup, while Payy Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
Both cards list the same number of stablecoins and ways to send money out. 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 Payy Card reviews first.
Continue with
Jupiter Card
Continue with
Payy Card
05 · Common questions
Jupiter vs Payy FAQ
Is Jupiter or Payy better overall?
Jupiter Card has the higher Overall Score (81 vs 62). 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 Payy?
Jupiter Card has the lower published FX fee (1–1.8% vs 1–3%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Jupiter or Payy?
Jupiter Card has the higher published base cashback rate (2% vs 0%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Jupiter and Payy differ on custody?
Jupiter Card uses a custodial balance setup, while Payy Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Jupiter vs Payy comparison?
The latest information check for these two cards was August 12, 2026, using 30 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.