MPChatMPChat
52
Side-by-side card comparison
MPChat vs Jupiter: where the score gap comes from
Jupiter Card has the higher Overall Score by 30 points (82 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.
Information checked Sep 23, 202658 official sources reviewed
01 · Where the gap opens
Jupiter Card is the better all-round starting point
Jupiter Card has the higher Overall Score in this comparison. MPChat 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.
OverallMPChat52Jupiter82Higher score
CashbackMPChat18Jupiter86Compare the details below
TravelMPChat72Jupiter72Compare the details below
Funds controlMPChat41Jupiter55Compare the details below
Lowest feesMPChat60Jupiter75Compare the details below
TransfersMPChat58Jupiter76Compare the details below
Choose MPChat Card if its day-to-day setup suits you
MPChat 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. Read the side-by-side details before deciding.
- Virtual and physical options
- No monthly card fee
- USDT funding on Tron
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. Read the side-by-side details before deciding.
- 2% base cashback in USDC
- No annual or USD spend fee
- Apple Pay and Google Pay ready
What separates the two cards
The higher score is only the start. The rows below show which product differences create it.
- Overall Score
- MPChat52Jupiter82
Jupiter Card has the higher Overall Score by 30 points.
- Entry cost & FX
- MPChat$0 plan · 0% MPChat FX markup; 0% MPChat cross-border markup. Visa/issuer pass-through and effective USDT settlement cost unknown; purchase fee separate FXJupiter$0 plan · 1–1.8% FX
MPChat Card has the lower published FX fee (0% MPChat FX markup; 0% MPChat cross-border markup. Visa/issuer pass-through and effective USDT settlement cost unknown; purchase fee separate vs 1–1.8%).
- Purchase rewards
- MPChatNot disclosedJupiter2% base · up to 4%
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below.
- Funds control
- MPChatCustodial balanceJupiterCustodial balance
MPChat Card and Jupiter Card use the same custodial balance setup.
- Everyday access
- MPChatVirtual + Physical · Google PayJupiterVirtual + Physical · Apple Pay, Google Pay
Jupiter Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- MPChat1 stablecoin · Stablecoin transfersJupiter2 stablecoins · Noah local and SWIFT payouts
Jupiter Card lists more stablecoins and ways to send money out (3 vs 2).
02 · Read the shortlist
Why one card starts ahead
These quick facts cover the costs, rewards and everyday features behind the early lead.
- Cashback
- Not disclosed
- Plan cost
- $0
- FX fee
- 0% MPChat FX markup; 0% MPChat cross-border markup. Visa/issuer pass-through and effective USDT settlement cost unknown; purchase fee separate
- ATM fee
- Boundless only: 2%, minimum $1; Cloud has no ATM access
- Card formats
- Virtual, Physical
- Wallet payments
- Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 1 crypto · 0 fiat
- Cashback
- 2%-4%
- Plan cost
- $0
- FX fee
- 1–1.8%
- ATM fee
- Not available
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 2 fiat
- Payout methods
- 0 crypto · 15 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.
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.
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.
Partner links may earn us a commission. Read our affiliate disclosure for how these links work.
03 · Compare the details
Test the lead, row by row
A better number is marked only when both providers publish values that can be compared fairly.
Best known Not disclosed
CardsMPChat CardOverall52Jupiter CardOverall82
MPChat CardOverall52Jupiter CardOverall82Scores
6 fields- Overall Score
- MPChat Card52Jupiter Card82
- Cashback score
- MPChat Card18Jupiter Card86
- Travel score
- MPChat Card72Jupiter Card72
- Funds control score
- MPChat Card41Jupiter Card55
- Lowest fees score
- MPChat Card60Jupiter Card75
- Transfers score
- MPChat Card58Jupiter Card76
Strengths & trade-offs
2 fields- Strengths
- MPChat CardVirtual and physical options, No monthly card feeJupiter Card2% base cashback in USDC, No annual or USD spend fee
- Trade-offs
- MPChat CardPurchase fee on each spend, Effective conversion cost unclearJupiter Card4% requires fresh referrals, FX depends on your issuer
Costs
7 fields- Plan cost
- MPChat Card$0Jupiter Card$0
- FX fee
- MPChat Card0% MPChat FX markup; 0% MPChat cross-border markup. Visa/issuer pass-through and effective USDT settlement cost unknown; purchase fee separateJupiter Card1–1.8%
- Top-up fee
- MPChat CardUSDT on Tron (TRC20); minimum received 10 USDT; allocate Pay balance to cardJupiter Card0%
- Card spending fee
- MPChat Card$0.15 + 0.8%Jupiter Card0%
- ATM fee
- MPChat CardBoundless only: 2%, minimum $1; Cloud has no ATM accessJupiter CardNot available
- Virtual card
- MPChat CardCloud: 10 USDT one timeJupiter CardNot disclosed
- Physical card
- MPChat CardBoundless: 100 USDT one timeJupiter Card$13.13 plus destination-dependent shipping
Plans
2 fields- Available plans
- MPChat Card2 plans: Cloud Card, Boundless CardJupiter CardNot disclosed
- Top cashback plan
- MPChat CardNot disclosedJupiter CardNot disclosed
Everyday use
8 fields- Network
- MPChat CardVisaJupiter CardVisa
- Card formats
- MPChat CardVirtual, PhysicalJupiter CardVirtual, Physical
- ATM withdrawals
- MPChat CardAvailableJupiter CardNot disclosed
- Mobile wallets
- MPChat CardGoogle PayJupiter CardApple Pay, Google Pay
- Apps
- MPChat CardNot disclosedJupiter CardiOS, Android
- Daily spending limit
- MPChat CardUp to $250,000 and conservatively 50 purchases per day; app limits may be lowerJupiter CardDCS: $50,000/day; Rain: no disclosed daily limit
- Monthly spending limit
- MPChat CardUp to $1,000,000 per month; app limit may be lowerJupiter CardMonthly limit not disclosed; DCS lists $990,000/year and Rain no disclosed annual limit
- ATM limit
- MPChat CardBoundless: up to $1,500 per withdrawal and day; $15,000 monthlyJupiter CardRegion-dependent; no reusable public ATM limit
Funding & transfers
5 fields- Networks
- MPChat CardTron (TRC20)Jupiter CardSolana, Sui, Arbitrum, Base
- Crypto deposits
- MPChat CardStablecoins: USDTJupiter CardStablecoins: USDC, USDT
- Fiat deposits
- MPChat CardNot disclosedJupiter CardUSD virtual account receive, EUR virtual account receive
- Transfers
- MPChat CardStablecoin transfersJupiter CardNoah local and SWIFT payouts
- Payout currencies
- MPChat CardNot disclosedJupiter CardAED, BRL, CAD, EUR, GBP, IDR, INR, MYR +7
Rewards
3 fields- Base cashback
- MPChat CardNot disclosedJupiter Card2%
- Max cashback
- MPChat CardNot disclosedJupiter Card4%
- Reward currency
- MPChat CardNot disclosedJupiter CardUSDC
Earn
5 fields- Advertised APY
- MPChat CardNot offeredJupiter CardNot disclosed
- How it works
- MPChat CardNot offeredJupiter CardOptional earn vault
- Separate deposit
- MPChat CardNot offeredJupiter CardYes
- Use balance for spending
- MPChat CardNot offeredJupiter CardNo
- Lock-up
- MPChat CardNot offeredJupiter CardNo
Trust & availability
5 fields- Custody
- MPChat CardCustodialJupiter CardCustodial
- Control until payment
- MPChat CardProvider controls fundsJupiter CardProvider controls funds
- Card issuer
- MPChat CardNot disclosedJupiter CardRain, DCS
- Deposits & withdrawals
- MPChat CardNot disclosedJupiter CardNoah
- Identity verification
- MPChat CardNot disclosedJupiter CardSumsub
Sources
2 fields- Official sources
- MPChat Card30Jupiter Card28
- Last reviewed
- MPChat CardSep 23, 2026Jupiter CardSep 20, 2026
04 · The verdict
Jupiter Card is the stronger all-round choice
Jupiter Card finishes ahead with an Overall Score of 82 versus 52 for MPChat Card. MPChat Card has the lower published FX fee (0% MPChat FX markup; 0% MPChat cross-border markup. Visa/issuer pass-through and effective USDT settlement cost unknown; purchase fee separate vs 1–1.8%). The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below.
MPChat Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. MPChat Card and Jupiter Card use the same custodial balance setup.
Jupiter Card lists more stablecoins and ways to send money out (3 vs 2). 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 MPChat Card and Jupiter Card reviews first.
Continue with
MPChat Card
Continue with
Jupiter Card
05 · Common questions
MPChat vs Jupiter FAQ
Is MPChat or Jupiter better overall?
Jupiter Card has the higher Overall Score (82 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 Jupiter?
MPChat Card has the lower published FX fee (0% MPChat FX markup; 0% MPChat cross-border markup. Visa/issuer pass-through and effective USDT settlement cost unknown; purchase fee separate 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, MPChat or Jupiter?
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 Jupiter differ on custody?
MPChat Card and Jupiter Card use the same custodial balance setup.
How current is this MPChat vs Jupiter comparison?
The latest information check for these two cards was September 23, 2026, using 58 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.