MPChatMPChat
52
Side-by-side card comparison
MPChat vs Decaf
Decaf Card has the higher Overall Score by 12 points (64 vs 52). The available use-case scores do not point to a clear winner, so compare the fees, control of funds, card access and availability that matter to you.
Latest check Oct 19, 202651 official sources reviewed
MPChat Card
Best fit
- MPChat Pay users allocating USDT to a separate Visa spending balance.
- Choosing Cloud for online payments or Boundless for physical-card use.
- Occasional card use with a one-time issuance price and no monthly plan fee.
Before you choose
- Each purchase costs 0.8%, plus variable USDT conversion and any issuer FX.
- Cloud costs 10 USDT; Boundless costs 100 USDT and charges 2% for ATMs.
- The Web3 wallet cannot fund purchases directly; allocate funds from MPChat Pay.
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.
Current signup offers
Signup offers
Signup offers are excluded from card scores.
MPChat Card
5 USDT after first virtual card approval
First virtual card referral reward
- Download MPChat through the referral link.
- Enter coupon ID 76912265 during activation of your first virtual card.
- Complete application and card approval; the reward is credited to MPChat Pay after approval.
Coupon ID76912265
MPChat's friend-benefits page states 5 USDT after first virtual-card approval; one application guide uses 5 USD wording.
Decaf Card
No active signup offer listed
Partner links may earn us a commission. Affiliate disclosure
Fees & features
Compare the details
Best markers compare published, comparable values. Unknown values never win a row.
Best known Not disclosed
CardsMPChat CardOverall52Decaf CardOverall64
MPChat CardOverall52Decaf CardOverall64Scores
- Overall Score
- MPChat Card52Decaf Card64
- Cashback score
- MPChat Card18Decaf Card29
- Travel score
- MPChat Card72Decaf Card60
- Funds control score
- MPChat Card41Decaf Card63
- Lowest fees score
- MPChat Card60Decaf Card57
- Transfers score
- MPChat Card58Decaf Card70
Costs
- Plan cost
- MPChat Card$0Decaf Card$0
- FX fee
- MPChat Card0% MPChat FX markup; Visa/issuer FX is passed through and varies by country and region. Purchase fees and USDT conversion costs are separateDecaf Card1–2%
- Top-up fee
- MPChat CardUSDT on Tron (TRC20); minimum received 10 USDT; allocate Pay balance to cardDecaf CardCard-load fee unknown; parent-account bank deposits have separate charges
- Card spending fee
- MPChat Card$0.15 + 0.8%Decaf CardNot disclosed
- ATM fee
- MPChat CardBoundless only: 2%, minimum $1; Cloud has no ATM accessDecaf Card0% Decaf markup
- Virtual card
- MPChat CardCloud: 10 USDT one timeDecaf Card$5
- Physical card
- MPChat CardBoundless: 100 USDT one timeDecaf Card$90 international / $10 US
Plans
- Available plans
- MPChat Card2 plans: Cloud Card, Boundless CardDecaf CardNot disclosed
- Top cashback plan
- MPChat CardNot disclosedDecaf CardNot disclosed
Everyday use
- Network
- MPChat CardVisaDecaf CardVisa
- Card formats
- MPChat CardVirtual, PhysicalDecaf CardVirtual, Physical
- ATM withdrawals
- MPChat CardAvailableDecaf CardNot disclosed
- Mobile wallets
- MPChat CardGoogle PayDecaf CardApple Pay, Google Pay
- Apps
- MPChat CardNot disclosedDecaf CardiOS, Android, Web
- Daily spending limit
- MPChat CardUp to $250,000 and conservatively 50 purchases per day; app limits may be lowerDecaf CardNot disclosed
- Monthly spending limit
- MPChat CardUp to $1,000,000 per month; app limit may be lowerDecaf CardNot disclosed
- ATM limit
- MPChat CardBoundless: up to $1,500 per withdrawal and day; $15,000 monthlyDecaf Card$250 per withdrawal; up to 3 withdrawals daily
Funding & transfers
- Networks
- MPChat CardTron (TRC20)Decaf CardSolana, Stellar
- Crypto deposits
- MPChat CardStablecoins: USDTDecaf CardStablecoins: USDC
- Fiat deposits
- MPChat CardNot disclosedDecaf CardUSD, EUR and MXN account receipts
- Transfers
- MPChat CardStablecoin transfersDecaf CardParent-account bank withdrawals, MoneyGram cash pickup
- Payout currencies
- MPChat CardNot disclosedDecaf CardUSD, EUR, MXN, COP, BRL, ARS, VES
Rewards
- Base cashback
- MPChat CardNot disclosedDecaf CardNot disclosed
- Max cashback
- MPChat CardNot disclosedDecaf CardNot disclosed
- Reward currency
- MPChat CardNot disclosedDecaf CardNot disclosed
Earn
- Advertised APY
- MPChat CardNot offeredDecaf CardNot disclosed
- How it works
- MPChat CardNot offeredDecaf CardOptional earn vault
- Separate deposit
- MPChat CardNot offeredDecaf CardYes
- Use balance for spending
- MPChat CardNot offeredDecaf CardNot disclosed
- Lock-up
- MPChat CardNot offeredDecaf CardNot disclosed
Trust & availability
- Custody
- MPChat CardCustodialDecaf CardNon-custodial
- Control until payment
- MPChat CardProvider controls fundsDecaf CardNot disclosed
- Card issuer
- MPChat CardNot disclosedDecaf CardThird National, Inc.
- Card processing
- MPChat CardNot disclosedDecaf CardRain
- Deposits & withdrawals
- MPChat CardNot disclosedDecaf CardMoneyGram
Sources
- Official sources
- MPChat Card30Decaf Card21
- Last reviewed
- MPChat CardOct 17, 2026Decaf CardOct 19, 2026
Choosing between these cards
When to choose MPChat or Decaf
Using the crypto you already hold
MPChat's reviewed deposit assets include USDT; Decaf's include USDC. If you already hold one of these assets, compare its deposit network and conversion route before moving funds.
Matching the card to your plans
MPChat: MPChat Pay users allocating USDT to a separate Visa spending balance. Decaf: Spending USDC received on Solana or Stellar through a separate card load.
Common questions
MPChat vs Decaf FAQ
Is MPChat or Decaf better overall?
Decaf Card has the higher Overall Score (64 vs 52). 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, MPChat or Decaf?
MPChat Card has the lower published FX fee (0% MPChat FX markup; Visa/issuer FX is passed through and varies by country and region. Purchase fees and USDT conversion costs are separate vs 1–2%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, MPChat 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 MPChat and Decaf differ on custody?
MPChat 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 MPChat vs Decaf comparison?
The latest information check for these two cards was October 19, 2026, using 51 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.