Cardipays

I built a calculator that shows how much your crypto card lost you vs the rest. Drop a receipt, see the gap. Net cashback tables daily.

[Cardipays @Cardipays]

Check what it costs you: https://t.co/1xBVWC8Vd4

[Cardipays @Cardipays]

@EthenaPay gives 4% back on the free card, but only on your first $2,500 a month. Then 1% up to $4,000, then zero.

So $115 a month is the ceiling, paid in AVAX, and FX runs about 1%.

Check what it costs you: https://t.co/r1O7uHQJKM

[Cardipays @Cardipays]

@Zyre_eth @__Zephhy @ethos_network Depends what you count as good. The Standard card is free and pays 1.5% on the first $2,000 a month, but the rewards come as USD you can only spend inside the Kast app, and you redeem them by hand.

[Cardipays @Cardipays]

@onegeex @okx The EEA version already works that way: 2% back paid in USDG, but capped at EUR 50 a month for non-VIP users, so the habit tops out around EUR 2,500 of spend.

[Cardipays @Cardipays]

@I_am_Tandis @MetaMask If you're in one of those countries, check the fee table before the FAQ. The free virtual card lists 1% cross-border while the FAQ says no added fee, and cashback is 1% paid in mUSD.

[Cardipays @Cardipays]

@deekay_btc @AltcoinAce_X @ether_fi Instant conversion is the easy part in Europe, the FX line is where cards split. OKX Card in the EEA charges 0.1% FX with 2% back up to EUR 50 a month, and https://t.co/XHsbTJQUG3's free Midnight Blue tier is 0.2% inside the EU.

[Cardipays @Cardipays]

@0xVishnya @wirex_one A $282K car would earn almost nothing on most cashback cards. Ethena Pay's 4% drops to zero past $4,000 a month and Kast's 1.5% only covers the first $2,000.

[Cardipays @Cardipays]

@AltcoinAce_X @ether_fi For Norway I'd sort by the FX line first, since every NOK purchase gets converted. Bleap lists 0% FX with 1% back, and OKX Card in the EEA is 0.1% FX with 2% back up to EUR 50 a month.

[Cardipays @Cardipays]

@xapobankapp now pays 2% back in Bitcoin on eligible card spending. Announced Nov 9.

Read the cap first. Only spend up to 20% of your previous month-end balance counts. Hold $5,000 and $1,000 of spend earns the 2%, so $20 in BTC.

Keep little in Xapo and it won't add up to much.

[Cardipays @Cardipays]

Plasma One sent two emails and the second undid part of the first.

> Email 1: Core becomes Premium at $600/yr
> Email 2 to some free Core users: ignore that, you go to Lite, renamed Standard Nov 11

Help center still says Core $199. I'll update my tables when it changes @plasma

[Nikita @0xVishnya]

Thanks for the emotional rollercoaster, Plasma One

> Email one from @Plasma: Core is becoming Premium
> Email two, the same evening, to some free Core users: please disregard, you're still moving to Lite

The consolation prize: from November 11, Lite is called Standard

[Cardipays @Cardipays]

@0xVishnya @Plasma blyat!

[Cardipays @Cardipays]

@MrDariBoss Open to it. What do you have in mind? Drop the details here.

[Cardipays @Cardipays]

Worst part of the Gnosis Pay leak: wallet addresses sat next to home addresses.

Whoever has that file knows who holds what and where they live.

Gnosis says be careful who sees your address and holdings. The card stops Dec 20 anyway.

Alternatives: https://t.co/w6bSPCCWij

[Cardipays @Cardipays]

The cards in the table: @ethenapay @jup_mobile @KASTxyz @tangem @plasma

@ethenapay keeps 4% to $2.5k. Plasma One Lite drops to 0.1% after $500. Same headline rate, 8x the money at $3k.

[Cardipays @Cardipays]

Every card says "up to X% cashback". Here's what actually lands per month on USD spend, free tier, after caps and fees:

$500/mo: Ethena $20, MEXC $15, Plasma Lite $10, Bitget $5
$3,000/mo: Ethena $105, MEXC $70, Plasma Lite $12.50

The cap matters more than the rate.

https://t.co/DryEejwNV2

[Cardipays @Cardipays]

I ran the free tiers on non-USD spend. FX eats the cashback.

At $3k/mo:
> @ethenapay +$75
> @plasma One Lite -$17.50
> @redotpay -$36

Visa rate comes on top. I built a calculator for this: drop a receipt, see what you lost. https://t.co/qTne8ZuaR6

[Cardipays @Cardipays]

Pay abroad with a @Nexo Card on a Saturday and the FX fee goes up.

EEA, UK and Switzerland: 0.2% on weekdays, 0.7% on weekends. Elsewhere it's 2% and 2.5%.

Base tier pays 0.5% back in NEXO tokens, and only if you hold $5,000+.

Check what yours costs: https://t.co/r1O7uHRhAk

[Cardipays @Cardipays]

A $100 bill cost $3.50 extra on the wrong card.

It was @AnthropicAI, paid with Brighty Card Pro on Nov 2. @oobit, the best free card for that receipt, would have saved it.

Brighty Card Pro is down $9.01 over 4 receipts.

Follow @cardipays and check yours at https://t.co/DryEejwNV2

[Cardipays @Cardipays]

@0xALTF4 @Booksey Agreed, and zero is rarer than the marketing makes it look. Nexo is 0.2% inside the EEA but 2% elsewhere and 2.5% on weekends, and Plasma One only drops its own markup from 1% to 0% at the Platinum tier.

[Cardipays @Cardipays]

@cryptounfolded Coinbase already has the spending end of this. The Coinbase One Card pays 2% base and up to 4% by assets on the first $10,000 a month, in BTC, behind a $49.99 a year subscription and US only, so a PNC rail for deposits in and out was the part missing.

[Cardipays @Cardipays]

@pantherweb3 Terminals are solved, pricing is not. Bybit Card still charges 2% FX across most of APAC while OKX Card in the EEA is at 0.1%, so the partner I would pitch first is whoever can get that line to zero on a card that is not EU only.