Head to head
PayitFast vs EtherFi
Both cards run on the same benchmark test, so this compares deducted cost rather than advertised rates.
| Metric | Pa PayitFast | Et EtherFi |
|---|---|---|
| Overall rank | #8 of 35 | #3 of 35 |
| FX spread | 1% | 0.51% |
| Base cashback | 3% in USDC | 3% instant |
| Custody | Non-Custodial | Non-Custodial |
| Virtual card | Virtual Visa Platinum $5 (live) | First free, $10 for additional |
| Physical card | Physical PVC Visa Signature $50 (coming in 1-2 weeks). LED, Gold and wearable cards coming | $50 (metal unlocked on higher VIP tiers) |
| Spend limit | $100k/day standard, $5M Elite | Up to $30,000/day on the free Core tier |
| ATM withdrawals | ATM withdrawals via NFC | $250/day limit, 2% flat fee, no free tier |
| Setup time | About 3 min (ID + face scan KYC) | ~8 minutes |
| KYC steps | 3 | 5 |
| Score | 7/10 | 9.2/10 |
PayitFast
A strong pick for everyday users; the upcoming wearables are exciting. High spenders for luxury shopping, luxury travel bookings, dining & entertainment/events, software subscriptions (AI tools, cloud services, streaming services etc.) Freelancers, Digital Nomads, Influencers, anyone requiring regular cross-border payments, Luxury service providers.
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+