Ranked #10 of 11
Infini Review
The $10 test
One R23.99 packet of chips, bought at an OK supermarket at a spot rate of 1 USD = 16.182216 ZAR. At that rate the purchase should cost exactly $1.4825.
- Charged
- N/A
- Net effective cost
- N/A
- Gross FX spread
- 3%
- Base cashback
- 0
The verdict
Infini is a highly specialized corporate expense platform rather than a standard consumer crypto card. If you are a business looking to fund SaaS and ad campaigns directly with stablecoins, the API controls and flat 1.5% uncapped stablecoin cashback are excellent. However, for everyday retail consumers, the $10 virtual card issuance fee and massive 3% non-USD FX fee on the base tier make it impractical for daily spending. Only use if you're a business
Score: 6 out of 10
Strengths
- API automation for bulk card workflows
Weaknesses
- Not consumer-friendly
- high 3% markup on international/non-USD spending on the base tier
- costs $10 just to issue a virtual card
Compare with other cards
Infini vs Coca Card
#1 · 1.18% spread
Infini vs EtherFi
#2 · 0.51% spread
Infini vs Bitget Wallet
#3 · 0.51% spread
| # | Card | Gross FX spread | Net cost on test | Base cashback | Custody | Setup time | Score |
|---|---|---|---|---|---|---|---|
| 1 | Infini | 3% | N/A | 0 | Custodial | 20 minutes | 6/10 |
| 2 | Coca Card | 1.18% | $1.47 after cashback | 1% in USDC, paid on the 10th | Non-Custodial | ~8 minutes | 9.2/10 |
| 3 | EtherFi | 0.51% | ~$1.45, beats market after cashback | 3% instant | Non-Custodial | ~8 minutes | 9/10 |
| 4 | Bitget Wallet | 0.51% | ~$1.47, a perfect mid-market rate | Full FX fee refunded as cashback | Non-Custodial | ~10 minutes | 8.8/10 |
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+