Ranked #8 of 35
PayitFast Review
Seamless payment infrastructure enabling digital assets to be used in the real world. Multi-currency accounts, virtual and physical cards accepted at Visa merchants worldwide, cashback on everyday spending and bespoke concierge services, all from one platform.
Quick answer
PayitFast charged a 1.93% FX spread in our test; base cashback 3% in USDC, highest cashback 3; custody Non-Custodial; KYC required. Independently verified; Last verified 28 Oct 2026 by Tristyn Pawson.
We opened the account ourselves, added the card to a phone wallet and ran live transactions to check the charges, FX claims and cashback.
Card at a glance
We opened the PayitFast account ourselves, loaded it and spent on it, so the figures below reflect what we saw on the card rather than the marketing page.
- FX fee
- 1%
- Base cashback
- 3% in USDC
- Highest cashback
- 3
- Card cost
- Virtual Visa Platinum $5; Physical PVC Visa Signature $50
Verified by us
- Wallet architecture
- Non-Custodial
- Setup time
- About 3 min (ID + face scan KYC)
- Spend limit
- $100k/day standard, $5M Elite
- ATM withdrawals
- ATM withdrawals via NFC
The verdict
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.
Score: 7 out of 10
Strengths
- Low $5 virtual card
- No deposit fee
- Single wallet/card balance
- 3% cashback
- Quick Add wallets
- Wearables coming
- 0% P2P transfers
Weaknesses
- Crypto-only funding
- 1.93% FX in testing
- Not available in US/UK
Compare with other cards
PayitFast vs Ethena Pay
#1 · 1% spread
PayitFast vs Coca Card
#2 · 1.18% spread
PayitFast vs EtherFi
#3 · 0.51% spread
| # | Card | FX spread | Card cost | Base cashback | Custody | Setup time | Score |
|---|---|---|---|---|---|---|---|
| 1 | PayitFast | 1% | Virtual Visa Platinum $5; Physical PVC Visa Signature $50 | 3% in USDC | Non-Custodial | About 3 min (ID + face scan KYC) | 7/10 |
| 2 | Ethena Pay | 1% | 0 | 4% | Non-Custodial (no option to see keys until deleting account | 10 minutes | 8.5/10 |
| 3 | Coca Card | 1.18% | Free | 1% in USDC, paid on the 10th | Non-Custodial | ~8 minutes | 9.2/10 |
| 4 | EtherFi | 0.51% | Free | 3% instant | Non-Custodial | ~8 minutes | 9.2/10 |
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PayitFast FAQs
PayitFast
1% FX · 7/10
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+