WhopWhop
67
Side-by-side card comparison
Whop vs Decaf
Whop Card has the higher Overall Score by 3 points (67 vs 64). Whop Card looks stronger for Cashback, Funds control, and Transfers, while Decaf Card comes out ahead for Travel and Lowest fees.
Latest check Oct 19, 202641 official sources reviewed
Whop Card
Best fit
- Businesses spending Whop revenue, including eligible pending balances.
- Giving employees cards with company-managed spending controls.
- Business spending in Whop ads, content rewards and Uber cashback categories.
Before you choose
- This is a business card; personal use does not qualify for the programme.
- 5% cashback covers only the named categories, with no general purchase rate.
- Crypto payouts cost 5% + $1; instant bank payouts cost 4% + $1.
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
CardsWhop CardOverall67Decaf CardOverall64
Whop CardOverall67Decaf CardOverall64Scores
- Overall Score
- Whop Card67Decaf Card64
- Cashback score
- Whop Card39Decaf Card29
- Travel score
- Whop Card58Decaf Card60
- Funds control score
- Whop Card74Decaf Card63
- Lowest fees score
- Whop Card56Decaf Card57
- Transfers score
- Whop Card92Decaf Card70
Costs
- Plan cost
- Whop CardNot disclosedDecaf Card$0
- FX fee
- Whop Card1% FX and 1% cross-border are separate contractual layers; universal stacking is not confirmedDecaf Card1–2%
- Top-up fee
- Whop CardDirect card top-up fee unknown; a provider-account stored-payment-method top-up is 0%Decaf CardCard-load fee unknown; parent-account bank deposits have separate charges
- Card spending fee
- Whop Card0%Decaf CardNot disclosed
- ATM fee
- Whop CardATM access, issuer fee and limit are not separately confirmedDecaf Card0% Decaf markup
- Virtual card
- Whop CardNot disclosedDecaf Card$5
- Physical card
- Whop CardNot disclosedDecaf Card$90 international / $10 US
Plans
- Available plans
- Whop CardNot disclosedDecaf CardNot disclosed
- Top cashback plan
- Whop CardNot disclosedDecaf CardNot disclosed
Everyday use
- Network
- Whop CardVisaDecaf CardVisa
- Card formats
- Whop CardVirtual, PhysicalDecaf CardVirtual, Physical
- ATM withdrawals
- Whop CardNot disclosedDecaf CardNot disclosed
- Mobile wallets
- Whop CardApple Pay, Google PayDecaf CardApple Pay, Google Pay
- Apps
- Whop CardiOS, AndroidDecaf CardiOS, Android, Web
- Daily spending limit
- Whop CardDynamic and collateral-dependent; users can set per-card controls, but no universal provider amount is publishedDecaf CardNot disclosed
- Monthly spending limit
- Whop CardDynamic and collateral-dependent; Whop or issuer can change the aggregate or per-card limitDecaf CardNot disclosed
- ATM limit
- Whop CardATM access and numeric withdrawal limits are unclearDecaf Card$250 per withdrawal; up to 3 withdrawals daily
Funding & transfers
- Networks
- Whop CardEthereum, Polygon, Optimism, ArbitrumDecaf CardSolana, Stellar
- Crypto deposits
- Whop CardStablecoins: USDTDecaf CardStablecoins: USDC
- Fiat deposits
- Whop CardStored payment method top-up, Dynamic bank deposit instructionsDecaf CardUSD, EUR and MXN account receipts
- Transfers
- Whop CardStablecoin transfers; Next-day ACH payout, Instant bank RTP payout, Venmo payout, Bank wire payout +1Decaf CardParent-account bank withdrawals, MoneyGram cash pickup
- Payout currencies
- Whop CardUSDDecaf CardUSD, EUR, MXN, COP, BRL, ARS, VES
Rewards
- Base cashback
- Whop Card0%Decaf CardNot disclosed
- Max cashback
- Whop Card5%Decaf CardNot disclosed
- Reward currency
- Whop CardWhop account cash-back creditDecaf CardNot disclosed
Earn
- Advertised APY
- Whop CardUp to 6% APYDecaf CardNot disclosed
- How it works
- Whop CardOptional earn vaultDecaf CardOptional earn vault
- Separate deposit
- Whop CardNoDecaf CardYes
- Use balance for spending
- Whop CardNot disclosedDecaf CardNot disclosed
- Lock-up
- Whop CardNoDecaf CardNot disclosed
Trust & availability
- Custody
- Whop CardHybrid custodyDecaf CardNon-custodial
- Control until payment
- Whop CardProvider controls fundsDecaf CardNot disclosed
- Card issuer
- Whop CardThird NationalDecaf CardThird National, Inc.
- Card processing
- Whop CardNot disclosedDecaf CardRain
- Custody / key management
- Whop CardPrivyDecaf CardNot disclosed
- Deposits & withdrawals
- Whop CardNot disclosedDecaf CardMoneyGram
Sources
- Official sources
- Whop Card20Decaf Card21
- Last reviewed
- Whop CardAug 11, 2026Decaf CardOct 19, 2026
Choosing between these cards
When to choose Whop or Decaf
Spending in foreign currencies
For FX on foreign-currency purchases, Whop lists 1% FX and 1% cross-border are separate contractual layers; universal stacking is not confirmed, 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, Whop has reviewed routes in USD; 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.
Using the crypto you already hold
Whop'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.
Common questions
Whop vs Decaf FAQ
Is Whop or Decaf better overall?
Whop Card has the higher Overall Score (67 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, Whop or Decaf?
Whop Card has the lower published FX fee (1% FX and 1% cross-border are separate contractual layers; universal stacking is not confirmed 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, Whop 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 Whop and Decaf differ on custody?
Whop 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 Whop vs Decaf comparison?
The latest information check for these two cards was October 19, 2026, using 41 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.