OobitOobit
74
Side-by-side card comparison
Oobit vs Decaf
Oobit Card has the higher Overall Score by 10 points (74 vs 64). Oobit Card looks stronger for Cashback, Funds control, and Lowest fees, while Decaf Card comes out ahead for Travel and Transfers.
Latest check Oct 19, 202637 official sources reviewed
Oobit Card
Best fit
- Paying from a connected external wallet without preloading an Oobit balance.
- Using Apple Pay or Google Pay for supported wallet-funded Visa purchases.
- Combining wallet card payments with crypto-to-bank account payouts.
Before you choose
- Payments cost 1%, with a $0.25 minimum outside Brazil; FX can add up to 1.5%.
- 5% stablecoin or 10% OOB rewards require level 2 and eligible asset payments.
- Points can be spent through Tap to Pay but cannot be transferred or withdrawn.
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
CardsOobit CardOverall74Decaf CardOverall64
Oobit CardOverall74Decaf CardOverall64Scores
- Overall Score
- Oobit Card74Decaf Card64
- Cashback score
- Oobit Card70Decaf Card29
- Travel score
- Oobit Card55Decaf Card60
- Funds control score
- Oobit Card78Decaf Card63
- Lowest fees score
- Oobit Card59Decaf Card57
- Transfers score
- Oobit Card65Decaf Card70
Costs
- Plan cost
- Oobit Card$0Decaf Card$0
- FX fee
- Oobit CardUp to 1.5% foreign-currency fee under Spend Card Terms, plus Visa's conversion rate; Brazil follows local IOF/FX terms. Do not count the foreign-transaction wording twiceDecaf Card1–2%
- Top-up fee
- Oobit CardConnected-wallet spending needs no prefunding; account-balance top-up pricing varies by routeDecaf CardCard-load fee unknown; parent-account bank deposits have separate charges
- Card spending fee
- Oobit Card$0.25 + 1%Decaf CardNot disclosed
- ATM fee
- Oobit Card2.5% Oobit fee plus any contactless ATM operator surchargeDecaf Card0% Decaf markup
- Virtual card
- Oobit CardFreeDecaf Card$5
- Physical card
- Oobit CardNot disclosedDecaf Card$90 international / $10 US
Plans
- Available plans
- Oobit CardNot disclosedDecaf CardNot disclosed
- Top cashback plan
- Oobit CardNot disclosedDecaf CardNot disclosed
Everyday use
- Network
- Oobit CardVisaDecaf CardVisa
- Card formats
- Oobit CardVirtualDecaf CardVirtual, Physical
- ATM withdrawals
- Oobit CardAvailableDecaf CardNot disclosed
- Mobile wallets
- Oobit CardApple Pay, Google PayDecaf CardApple Pay, Google Pay
- Apps
- Oobit CardiOS, AndroidDecaf CardiOS, Android, Web
- Daily spending limit
- Oobit Card$10,000 daily card-spend limit; account-specific controls may be lowerDecaf CardNot disclosed
- Monthly spending limit
- Oobit CardNo universal monthly card-spend limit publishedDecaf CardNot disclosed
- ATM limit
- Oobit Card$250 maximum per contactless ATM withdrawal; up to three attempts per rolling 24 hoursDecaf Card$250 per withdrawal; up to 3 withdrawals daily
Funding & transfers
- Networks
- Oobit CardEthereum, BNB Smart Chain, Solana, Polygon, Optimism, ArbitrumDecaf CardSolana, Stellar
- Crypto deposits
- Oobit CardNot disclosedDecaf CardStablecoins: USDC
- Fiat deposits
- Oobit CardNot disclosedDecaf CardUSD, EUR and MXN account receipts
- Transfers
- Oobit CardOobit Pay Friends; Crypto-to-bank payoutDecaf CardParent-account bank withdrawals, MoneyGram cash pickup
- Payout currencies
- Oobit CardUSD, EUR, GBP, INR, TRY, NGN, IDR, PHP +4Decaf CardUSD, EUR, MXN, COP, BRL, ARS, VES
Rewards
- Base cashback
- Oobit Card5%Decaf CardNot disclosed
- Max cashback
- Oobit Card10%Decaf CardNot disclosed
- Reward currency
- Oobit CardStablecoin rewards or OOB tokenDecaf CardNot disclosed
Earn
- Advertised APY
- Oobit CardNot offeredDecaf CardNot disclosed
- How it works
- Oobit CardNot offeredDecaf CardOptional earn vault
- Separate deposit
- Oobit CardNot offeredDecaf CardYes
- Use balance for spending
- Oobit CardNot offeredDecaf CardNot disclosed
- Lock-up
- Oobit CardNot offeredDecaf CardNot disclosed
Trust & availability
- Custody
- Oobit CardHybrid custodyDecaf CardNon-custodial
- Control until payment
- Oobit CardYou keep controlDecaf CardNot disclosed
- Card issuer
- Oobit CardThirdNationalDecaf CardThird National, Inc.
- Card processing
- Oobit CardNot disclosedDecaf CardRain
- Deposits & withdrawals
- Oobit CardNot disclosedDecaf CardMoneyGram
Sources
- Official sources
- Oobit Card16Decaf Card21
- Last reviewed
- Oobit CardOct 6, 2026Decaf CardOct 19, 2026
Choosing between these cards
When to choose Oobit or Decaf
Sending money to a bank
For bank payouts, Oobit has reviewed routes in ARS, BRL, EUR, GBP and other currencies; 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.
Matching the card to your plans
Oobit: Paying from a connected external wallet without preloading an Oobit balance. Decaf: Spending USDC received on Solana or Stellar through a separate card load.
Common questions
Oobit vs Decaf FAQ
Is Oobit or Decaf better overall?
Oobit Card has the higher Overall Score (74 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, Oobit or Decaf?
Oobit Card has the lower published FX fee (Up to 1.5% foreign-currency fee under Spend Card Terms, plus Visa's conversion rate; Brazil follows local IOF/FX terms. Do not count the foreign-transaction wording twice 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, Oobit 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 Oobit and Decaf differ on custody?
Oobit 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 Oobit vs Decaf comparison?
The latest information check for these two cards was October 19, 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.