PionexPionex
57
Side-by-side card comparison
Pionex vs Decaf
Decaf Card has the higher Overall Score by 7 points (64 vs 57). Pionex Card looks stronger for Cashback and Transfers, while Decaf Card comes out ahead for Travel and Funds control.
Latest check Oct 19, 202680 official sources reviewed
Pionex Card
Best fit
- Existing Pionex users moving USDT into a separate card spending balance.
- Eligible Visa users combining card spend with variable payment-account yield.
- Using the virtual card with phone wallets and supported regional payment apps.
Before you choose
- Purchase fees range from 1% to 3.5%, against cashback of only 0.1–1%.
- Applying needs over 10 USDT for Mastercard or 100 USDT for Visa, not a fee.
- Card balances are custodial; standard virtual cards cannot withdraw cash.
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.
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
CardsPionex CardOverall57Decaf CardOverall64
Pionex CardOverall57Decaf CardOverall64Scores
- Overall Score
- Pionex Card57Decaf Card64
- Cashback score
- Pionex Card52Decaf Card29
- Travel score
- Pionex Card29Decaf Card60
- Funds control score
- Pionex Card43Decaf Card63
- Lowest fees score
- Pionex Card57Decaf Card57
- Transfers score
- Pionex Card79Decaf Card70
Costs
- Plan cost
- Pionex Card$0Decaf Card$0
- FX fee
- Pionex CardNot disclosedDecaf Card1–2%
- Top-up fee
- Pionex CardNot disclosedDecaf CardCard-load fee unknown; parent-account bank deposits have separate charges
- Card spending fee
- Pionex Card3.5%Decaf CardNot disclosed
- ATM fee
- Pionex CardNot availableDecaf Card0% Decaf markup
- Virtual card
- Pionex CardAvailableDecaf Card$5
- Physical card
- Pionex CardNot availableDecaf Card$90 international / $10 US
Plans
- Available plans
- Pionex Card2 plans: Mastercard, VisaDecaf CardNot disclosed
- Top cashback plan
- Pionex CardVisa: 1%Decaf CardNot disclosed
Everyday use
- Network
- Pionex CardVisa/MastercardDecaf CardVisa
- Card formats
- Pionex CardVirtualDecaf CardVirtual, Physical
- ATM withdrawals
- Pionex CardNot availableDecaf CardNot disclosed
- Mobile wallets
- Pionex CardApple Pay, Google PayDecaf CardApple Pay, Google Pay
- Apps
- Pionex CardNot disclosedDecaf CardiOS, Android, Web
- Daily spending limit
- Pionex Card$10,000-$20,000/day; $10,000-$20,000/transaction depending on networkDecaf CardNot disclosed
- Monthly spending limit
- Pionex Card$50,000-$100,000/month depending on networkDecaf CardNot disclosed
- ATM limit
- Pionex CardNot availableDecaf Card$250 per withdrawal; up to 3 withdrawals daily
Funding & transfers
- Networks
- Pionex CardNot disclosedDecaf CardSolana, Stellar
- Crypto deposits
- Pionex CardOther crypto: Supported cryptoDecaf CardStablecoins: USDC
- Fiat deposits
- Pionex CardNot disclosedDecaf CardUSD, EUR and MXN account receipts
- Transfers
- Pionex CardStablecoin transfers; Pionex Primary ↔ Card account transfer, Pionex Primary → Mastercard account transfer; Pionex account cash-outDecaf CardParent-account bank withdrawals, MoneyGram cash pickup
- Payout currencies
- Pionex CardNot disclosedDecaf CardUSD, EUR, MXN, COP, BRL, ARS, VES
Rewards
- Base cashback
- Pionex Card0.1%Decaf CardNot disclosed
- Max cashback
- Pionex Card1%Decaf CardNot disclosed
- Reward currency
- Pionex CardUSDTDecaf CardNot disclosed
Earn
- Advertised APY
- Pionex CardUp to 5% APYDecaf CardNot disclosed
- How it works
- Pionex CardEarn on spending balanceDecaf CardOptional earn vault
- Separate deposit
- Pionex CardNoDecaf CardYes
- Use balance for spending
- Pionex CardYesDecaf CardNot disclosed
- Lock-up
- Pionex CardNoDecaf CardNot disclosed
Trust & availability
- Custody
- Pionex CardCustodialDecaf CardNon-custodial
- Control until payment
- Pionex CardProvider controls fundsDecaf CardNot disclosed
- Card issuer
- Pionex CardNot disclosedDecaf CardThird National, Inc.
- Card processing
- Pionex CardNot disclosedDecaf CardRain
- Deposits & withdrawals
- Pionex CardNot disclosedDecaf CardMoneyGram
Sources
- Official sources
- Pionex Card59Decaf Card21
- Last reviewed
- Pionex CardAug 14, 2026Decaf CardOct 19, 2026
Choosing between these cards
When to choose Pionex or Decaf
Paying with a physical card
Decaf offers a physical card, while Pionex does not. For purchases that require the card itself rather than a phone wallet, consider Decaf and check its order and delivery terms.
Matching the card to your plans
Pionex: Existing Pionex users moving USDT into a separate card spending balance. Decaf: Spending USDC received on Solana or Stellar through a separate card load.
Common questions
Pionex vs Decaf FAQ
Is Pionex or Decaf better overall?
Decaf Card has the higher Overall Score (64 vs 57). 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, Pionex or Decaf?
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Pionex 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 Pionex and Decaf differ on custody?
Pionex 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 Pionex vs Decaf comparison?
The latest information check for these two cards was October 19, 2026, using 80 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.