Head to head
Jupiter Card vs EtherFi
Both cards run on the same benchmark test, so this compares deducted cost rather than advertised rates.
| Metric | Ju Jupiter Card | Et EtherFi |
|---|---|---|
| Overall rank | #25 of 35 | #3 of 35 |
| FX spread | 1.8% | 0.51% |
| Base cashback | 2% | 3% instant |
| Custody | Self-Custodial | Non-Custodial |
| Virtual card | Free | First free, $10 for additional |
| Physical card | No physical card | $50 (metal unlocked on higher VIP tiers) |
| Spend limit | $50,000 daily, $990,000 annual | Up to $30,000/day on the free Core tier |
| ATM withdrawals | $250/day limit, 2% flat fee, no free tier | |
| Setup time | 10 minutes | ~8 minutes |
| KYC steps | 5 | 5 |
| Score | 7.7/10 | 9.2/10 |
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.
EtherFi
EtherFi charges a 0.51% spread when you swipe in a foreign currency, but the instant 3% cashback more than neutralises it. Net cost on the benchmark purchase came to $1.45, below the mid-market value of the same basket. Stay under the $2,000 monthly cap and the card pays you to spend.
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+