💳Payment cards & neobanks tier list 💳
Based on which ones I owned. Make sure to bookmark to come back to this.
S:
@ether_fi: the most complete neobank experience (save, grow and spend) with amazing perks. Even the basic tier gets 3% cashback, hotel discounts, $10ks of purchase protection, lounge access, etc. Non-custodial! My go-to right now. God-tier referral program too.
ether.fi/refer/quinten
A:
@useTria: the closest competitor to Etherfi. I love the UI but not the experience - yet. Because lots of things are still changing. Great perks (0% deposit fee, 0% fx fee for all tiers & up to 6% cashback for a $250 per year card). Very promising & also non-custodial. Great referral program too.
app.tria.so/?accessCode=WUMA…
@RedotPay: particularly interesting for remittances, since they offer different currencies and the conversion between crypto & different fiat. The ability to send fiat and get accounts for those is great. High spending limits, saving options,... Custodial & non-custodial.
B:
@plutus: it's already around for some time, yet never been able to really take off. The product is okay and the perks are plenty but small. There were some obvious problems when I was still using it that never got fixed. It's non-custodial though.
@avici: great product, great perks, and one of the real neobanks in here. Also non-custodial! The only thing I miss is a clear USP. Why is it better than Etherfi or Tria? What's special about it?
@binance: very handy that most CEXs have their own payment cards. Easier to transfer money in and out of the account. Used to be my go-to last cycle. But because of regulations it wasn't working for me anymore. Same problem other very big crypto platforms have: too big means too much regulations and that comes with heavy KYC and uncertainty if you can use the product or not. Obviously custodial too.
C:
@MetaMask: I find it a weird experience to use the MetaMask card via MetaMask. Feels very unnatural and unappealing to me. Non, custodial.
@Bybit_Official: Same problems as Binance. Couldn't use it at some point anymore, and asked more and more questions about my income and wealth in order to be able to continue using it. I found the Binance card more user-friendly with better perks (because I had
$BNB I had a high cashback). Custodial.
D:
@cryptocom I used this one for years, but it gets too complicated very quickly with the regulation-heaviness that comes with their size. Perks are pretty much gone for basic tiers as well (0% cashback for basic tier). Became too big to still be attractive and be able to give nice perks. Also it is custodial.