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Crypto card cost calculator

Enter your estimated monthly spending and we'll calculate the annual cost of a crypto card, counting fees, FX markups, and cashback rewards. Compare different fee structures to find which card saves you the most.

$1,000
$100/mo$10,000/mo
Free card, low cashback
Annual spend$12,000
Annual fee$0
FX fees$180
Spread cost$60
Cashback earned-$60
Net annual cost$180 (net cost)
Mid-tier card
Annual spend$12,000
Annual fee$60
FX fees$60
Spread cost$36
Cashback earned-$240
Net annual cost-$84 (you save money)
Premium card
Annual spend$12,000
Annual fee$150
FX fees$0
Spread cost$24
Cashback earned-$480
Net annual cost-$306 (you save money)

Break-even analysis

See at what spending level a pricier card becomes more cost-effective than a cheaper one.

Free card, low cashbackvsMid-tier card
Break-even: $185/mo
At $1,000/mo, Mid-tier card saves $264/year
Free card, low cashbackvsPremium card
Break-even: $236/mo
At $1,000/mo, Premium card saves $486/year
Mid-tier cardvsPremium card
Break-even: $288/mo
At $1,000/mo, Premium card saves $222/year
At $1,000/mo the cheapest scenario is Premium card. You'd earn $306 per year.

This calculator provides estimates only. Actual costs depend on specific card terms, exchange rates, and spending patterns. See individual card pages for exact fee schedules. This is not financial advice. The figures are for comparison, not a recommendation to use any particular card.

Read the fees guideCompare all cards