Head to head
EtherFi vs PayitFast
Both cards run on the same benchmark test, so this compares deducted cost rather than advertised rates.
| Metric | Et EtherFi | Pa PayitFast |
|---|---|---|
| Overall rank | #3 of 35 | #8 of 35 |
| FX spread | 0.51% | 1% |
| Base cashback | 3% instant | 3% in USDC |
| Custody | Non-Custodial | Non-Custodial |
| Virtual card | First free, $10 for additional | Virtual Visa Platinum $5 (live) |
| Physical card | $50 (metal unlocked on higher VIP tiers) | Physical PVC Visa Signature $50 (coming in 1-2 weeks). LED, Gold and wearable cards coming |
| Spend limit | Up to $30,000/day on the free Core tier | $100k/day standard, $5M Elite |
| ATM withdrawals | $250/day limit, 2% flat fee, no free tier | ATM withdrawals via NFC |
| Setup time | ~8 minutes | About 3 min (ID + face scan KYC) |
| KYC steps | 5 | 3 |
| Score | 9.2/10 | 7/10 |
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.
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.
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+