Compare
Compare crypto cards side by side
Pick up to three. Every cell links to the issuer page it came from. The selection is in the address bar, so you can share it.
Short answer
The four verified cards differ most on platform status, reward asset and conversion costs. Shakepay and Crypto.com are CSA-registered and spend a CAD balance; ether.fi and MetaMask are offshore and spend crypto, with FX or conversion fees on CAD purchases. Rewards come in bitcoin, CRO, ETHFI or mUSD. Pick up to three below.
Figures as of November 3, 2026.
Pick up to 3 cards
| Feature | Shakepay Card | Crypto.com Visa | ether.fi Cash |
|---|---|---|---|
| Type | Prepaid Visa | Prepaid Visa | Credit Visa |
| Issued by | Peoples Trust Company, under licence from Visa; Shakepay distributes and administers the card (source, read 2026-10-31) | Digital Commerce Bank, offered by Foris, Inc., under licence from Visa (source, read 2026-11-01) | ether.fi |
| Where available | All provinces and territories (source, read 2026-10-31) Shakepay: “Available to all Shakepay customers in all 13 provinces and territories.” | All provinces and territories (source, read 2026-11-01) Neither the Canadian card page nor the Canadian fees article lists a province exclusion, and the CSA list shows no jurisdiction limit for Foris DAX CAN ULC. Confirm in the app before applying. | All provinces and territories (source, read 2026-11-04) No province restrictions are stated; subject to KYC. Availability “may change over time”. |
| Annual / monthly fee | No annual fee (source, read 2026-10-31) | Midnight Blue free; Ruby Steel CA$6.99/month or CA$69.90/year, or a CA$650 12-month CRO stake; Royal Indigo/Jade Green CA$39.99/month or CA$399.90/year, or a CA$6,500 stake; Icy White/Rose Gold CA$65,000 stake; Obsidian CA$650,000 stake (source, read 2026-11-01) | Core: no fee listed; Luxe US$199/year; Pinnacle US$999/year (source, read 2026-11-04) |
| Foreign-currency fee | 3% (Base), 1.5% (Bright), 0% (Blue) (source, read 2026-10-31) The cardholder agreement lists a 3% foreign exchange charge; the status discounts are in Shakepay’s help centre. | Midnight 2%; Ruby free on the first CA$700 a month then 2%; Jade/Indigo free on the first CA$1,400 then 2%; higher tiers no fee (source, read 2026-11-01) Ruby and Jade/Indigo allowances effective September 1, 2026. | FX margin on top of the base rate for non-USD/EUR purchases, including CAD: Core 0.5%, Luxe 0.25%, Pinnacle and VIP none (source, read 2026-11-04) The card is US-dollar based, so CAD purchases at Canadian merchants pay this margin too. |
| ATM | No Shakepay ATM fee listed; ATM operators may charge. Limits: $500 per withdrawal, $1,000 a day; physical card only; no rewards on ATM withdrawals (source, read 2026-10-31) | No Crypto.com ATM fee listed in the Canadian fees article; ATM bank fees may apply. Withdrawal limits: C$700/day and C$7,000/month (Midnight), C$1,500/day (Ruby), C$2,500/day (higher tiers), C$15,000/month above Midnight (source, read 2026-11-01) | No ATM fee listed; up to US$5,000 per withdrawal and US$25,000 a rolling 24 hours; no cashback on ATM withdrawals (source, read 2026-11-04) |
| Card issuance / replacement | Free to get; virtual card at once, physical card mailed within about 21 days (source, read 2026-10-31) | Physical card: Midnight C$4.99; Ruby C$39.99 for monthly subscribers under 6 months (free otherwise). Replacement: Midnight C$10, other cards C$70 (source, read 2026-11-01) | Physical card: Core US$50 (none free), Luxe 1 free then US$100, Pinnacle 2 free then US$100. First virtual card US$10 in some regions (source, read 2026-11-04) |
| Rewards | 1% back in bitcoin (1.5% with Blue status) (source, 2026-10-31) | 0% (Midnight) to 4.5% (Obsidian) in CRO, on capped monthly spend (source, read 2026-11-01) | 3% back in ETHFI on the first US$2,000 a month (Core), then 1% to US$3,000, then 0.5% (source, read 2026-11-04) |
| Paid in | Bitcoin (BTC) (source, read 2026-10-31) “Cashback rewards are only issued in bitcoin.” | CRO (Cronos token) (source, read 2026-11-01) “CRO Rewards are paid in CRO Token to your Wallet App.” | ETHFI (ether.fi’s token) (source, read 2026-11-04) |
| When paid | After the purchase settles, typically 1–14 days, at the BTC/CAD rate when paid (source, read 2026-10-31) | Shortly after an eligible purchase, to your Token Wallet (source, read 2026-11-01) | Converted to ETHFI when the purchase clears, then locked for 7 days before you can claim it (source, read 2026-11-04) |
| Tiers | 4 tiers (see profile) | 7 tiers (see profile) | 3 tiers (see profile) |
| Custody | Custodial (source, read 2026-10-31) Rewards land in your Shakepay bitcoin balance; you can withdraw them to your own wallet. | Custodial (source, read 2026-11-01) Rewards are paid to the Crypto.com App wallet held by the platform. | Not stated (source, read 2026-11-04) Spending draws on your ether.fi Vault; the help article we read does not say who holds the keys, so check the app’s terms. |
| How a purchase is paid | Spends your CAD balance only; to spend crypto you first sell it for CAD (source, read 2026-10-31) | Spends a CAD card balance; crypto must be sold to CAD and loaded first (“Cards can only be loaded with Canadian dollars”) (source, read 2026-11-01) | Direct Pay Mode spends eligible assets in your ether.fi Vault; Borrow Mode borrows against them at a variable rate (source, read 2026-11-04) |
| Apple Pay | Yes (source, read 2026-10-31) | Yes (source, read 2026-11-01) | Not stated (source, read 2026-11-04) ether.fi says Apple Pay is “only available for cardholders living in certain countries” and does not list them. |
| Google Pay | Yes (source, read 2026-10-31) | Yes (source, read 2026-11-01) | Yes (source, read 2026-11-04) |
| Platform status | CSA-registered Canadian platform | CSA-registered Canadian platform | Offshore, not CSA-registered |
| Regulatory status | Shakepay Inc. is on the CSA list of authorized crypto trading platforms (decisions May 25, 2023 and Jan 8, 2025); Shakepay states it is a CIRO member registered as an investment dealer in all provinces and territories; FINTRAC MSB M17065696 (source, 2026-09-18) | Foris DAX CAN ULC (Crypto.com) is on the CSA list of authorized crypto trading platforms (decision May 8, 2025) and states it is registered with FINTRAC as a money services business (source, 2026-09-18) | ether.fi is not on the CSA list of authorized crypto platforms (version dated Sep 18, 2026). The help pages we read do not name the card issuer (source, 2026-09-18) |
| Last checked | 2026-10-31 | 2026-11-01 | 2026-11-04 |
A free card can still cost money: no rewards and 2% on foreign purchases.
| Card and tier | Crypto.com Visa — Midnight Blue |
|---|---|
| Purchases in CAD | $1,500 a month |
| Purchases in a foreign currency | $150 a month |
| Rewards (at the CAD value when credited) | $0.00 a year0% of eligible spend, paid in CRO |
| Fixed fees | $0.00 |
| Foreign-currency fees | −$36.00 |
| Net a year | −$36.00No fixed fee to recover. |
Open this example in the calculator →Computed 2026-11-03.