Head to head
Jupiter Card vs Ethena Pay
Both cards run on the same benchmark test, so this compares deducted cost rather than advertised rates.
| Metric | Ju Jupiter Card | Et Ethena Pay |
|---|---|---|
| Overall rank | #25 of 35 | #1 of 35 |
| FX spread | 1.8% | 1% |
| Base cashback | 2% | 4% |
| Custody | Self-Custodial | Non-Custodial (no option to see keys until deleting account |
| Virtual card | Free | Yes, Free |
| Physical card | No physical card | No |
| Spend limit | $50,000 daily, $990,000 annual | |
| ATM withdrawals | ||
| Setup time | 10 minutes | 10 minutes |
| KYC steps | 5 | 5 |
| Score | 7.7/10 | 8.5/10 |
Jupiter Card
Jupiter Card scores 7.7 out of 10 on our list. The provider puts the FX spread at 1.8% above mid-market, which we have not spent against yet. Cashback starts at 2% and reaches 4% on the top tier. The card itself costs 0. Setup took 10 minutes. Identity checks are required before the card works. What works: QR Payment system is one of the most advanced in this space. What does not: High deposit fees. Wire or SWIFT is as much as $30.00. You keep control of the funds, which is the main reason to pick it over an exchange card.
Ethena Pay
Crypto Card Review: Ethena Pay I've been testing Ethena Pay for the last couple of days, and it feels (almost) premium. It's in Beta and nearly ready for public launch; here are my first thoughts. Positives: - Non-USD FX Fee: 1% (cashback negates and beats this) - 4% Cashback on all purchases is sweet (up to 5% w/Pro) - UI is possibly the best among all cards I've tested - Personal US/EUR/GBP IBAN accounts - Insights page showing spending by categories and earning breakdowns - 5% APY - Instant deposits with limited Fees Negatives: - Apple Only (for now) - Multiple "Coming Soon" features - Non-custodial, but no way to see your keys without deleting your account. Rating: 7.5/10 As soon as it's on Android and includes a few of its promised upcoming features, this will be a 9/10.
Who ranks these cards
I'm Tristyn Pawson, founder of ConsistenC.xyz. Over the last five years I've worked on marketing, development and growth across five crypto cards and neobanks, building at least three of them from scratch.
Alongside that I've run in-depth research on 20+ crypto banks to understand what actually makes someone keep a card in their wallet. These rankings reflect that: which problems are tolerable, and which ones are genuine deal breakers.
- Years in market
- 5
- Cards built on
- 5
- Neobanks researched
- 20+