1inch1inch
79
Side-by-side card comparison
1inch vs Decaf
1inch Card has the higher Overall Score by 15 points (79 vs 64). 1inch Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Decaf Card may still be the better personal fit.
Latest check Oct 19, 202634 official sources reviewed
1inch Card
Best fit
- UK and EEA residents using crypto to fund a prepaid Mastercard.
- Choosing 1% rewards in BTC or USDT, or 2% in BXX, without a staking gate.
- Combining EUR or GBP bank funding with virtual and physical-card payments.
Before you choose
- The schedule lists 2% card spend and 1.75% conversion; stacking is unclear.
- Funds stop being self-custodial after transfer to the card balance.
- Returning funds through EUR or GBP bank withdrawal carries a 3.49% fee.
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.
Fees & features
Compare the details
Best markers compare published, comparable values. Unknown values never win a row.
Best known Not disclosed
Cards1inch CardOverall79Decaf CardOverall64
1inch CardOverall79Decaf CardOverall64Scores
- Overall Score
- 1inch Card79Decaf Card64
- Cashback score
- 1inch Card63Decaf Card29
- Travel score
- 1inch Card82Decaf Card60
- Funds control score
- 1inch Card80Decaf Card63
- Lowest fees score
- 1inch Card74Decaf Card57
- Transfers score
- 1inch Card93Decaf Card70
Costs
- Plan cost
- 1inch Card$0Decaf Card$0
- FX fee
- 1inch Card0% provider FX markup; Mastercard rate appliesDecaf Card1–2%
- Top-up fee
- 1inch CardEUR/GBP provider-account bank deposit: 0%Decaf CardCard-load fee unknown; parent-account bank deposits have separate charges
- Card spending fee
- 1inch Card2%Decaf CardNot disclosed
- ATM fee
- 1inch Card€2.50 UK; €3 + 1.5% outside UKDecaf Card0% Decaf markup
- Virtual card
- 1inch CardNot disclosedDecaf Card$5
- Physical card
- 1inch CardNot disclosedDecaf Card$90 international / $10 US
Plans
- Available plans
- 1inch CardNot disclosedDecaf CardNot disclosed
- Top cashback plan
- 1inch CardNot disclosedDecaf CardNot disclosed
Everyday use
- Network
- 1inch CardMastercardDecaf CardVisa
- Card formats
- 1inch CardVirtual, PhysicalDecaf CardVirtual, Physical
- ATM withdrawals
- 1inch CardAvailableDecaf CardNot disclosed
- Mobile wallets
- 1inch CardApple Pay, Google PayDecaf CardApple Pay, Google Pay
- Apps
- 1inch CardiOS, AndroidDecaf CardiOS, Android, Web
- Daily spending limit
- 1inch CardAccount-specific in ProfileDecaf CardNot disclosed
- Monthly spending limit
- 1inch CardAccount-specific in ProfileDecaf CardNot disclosed
- ATM limit
- 1inch CardAccount-specific in ProfileDecaf Card$250 per withdrawal; up to 3 withdrawals daily
Funding & transfers
- Networks
- 1inch CardBitcoin, Litecoin, XRP Ledger, Ethereum, SolanaDecaf CardSolana, Stellar
- Crypto deposits
- 1inch CardOther crypto: BTC, LTC, XRP or supported Ethereum/Solana assetsDecaf CardStablecoins: USDC
- Fiat deposits
- 1inch CardEUR or GBP bank depositDecaf CardUSD, EUR and MXN account receipts
- Transfers
- 1inch CardStablecoin transfers; EUR or GBP bank withdrawalDecaf CardParent-account bank withdrawals, MoneyGram cash pickup
- Payout currencies
- 1inch CardEUR, GBPDecaf CardUSD, EUR, MXN, COP, BRL, ARS, VES
Rewards
- Base cashback
- 1inch Card1%Decaf CardNot disclosed
- Max cashback
- 1inch Card2%Decaf CardNot disclosed
- Reward currency
- 1inch Card1INCH, USDT, BTC or BXXDecaf CardNot disclosed
Earn
- Advertised APY
- 1inch CardNot offeredDecaf CardNot disclosed
- How it works
- 1inch CardNot offeredDecaf CardOptional earn vault
- Separate deposit
- 1inch CardNot offeredDecaf CardYes
- Use balance for spending
- 1inch CardNot offeredDecaf CardNot disclosed
- Lock-up
- 1inch CardNot offeredDecaf CardNot disclosed
Trust & availability
- Custody
- 1inch CardHybrid custodyDecaf CardNon-custodial
- Control until payment
- 1inch CardProvider controls fundsDecaf CardNot disclosed
- Card issuer
- 1inch CardMonavate Ltd, UAB MonavateDecaf CardThird National, Inc.
- Card processing
- 1inch CardCrypto LifeDecaf CardRain
- Custody / key management
- 1inch CardBaanxDecaf CardNot disclosed
- Deposits & withdrawals
- 1inch CardNot disclosedDecaf CardMoneyGram
Sources
- Official sources
- 1inch Card13Decaf Card21
- Last reviewed
- 1inch CardAug 31, 2026Decaf CardOct 19, 2026
Choosing between these cards
When to choose 1inch or Decaf
Spending in foreign currencies
For FX on foreign-currency purchases, 1inch lists 0% provider FX markup; Mastercard rate applies, versus 1–2% at Decaf. Use the tariff for your country and plan; conversion fees can add to these figures.
Sending money to a bank
For bank payouts, 1inch has reviewed routes in EUR, GBP; Decaf has routes in ARS, BRL, COP, EUR and other currencies. Choose the route for your destination currency and check its country coverage and fee.
Common questions
1inch vs Decaf FAQ
Is 1inch or Decaf better overall?
1inch Card has the higher Overall Score (79 vs 64). 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, 1inch or Decaf?
1inch Card has the lower published FX fee (0% provider FX markup; Mastercard rate applies 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, 1inch 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 1inch and Decaf differ on custody?
1inch Card uses a hybrid custody 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 1inch vs Decaf comparison?
The latest information check for these two cards was October 19, 2026, using 34 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.