Crypto card rewards vs fees calculator (embed)

Example budgets:

Your month

Card purchases in CAD each month ($)

Purchases in a foreign currency each month ($ CAD equivalent)Online shops priced in USD count here too.

Cash from ATMs each month ($)

Your cost to fund the card (% of spend)0 if you load CAD you already have. If you buy crypto or a stablecoin to fund a card, enter the spread you pay.

Include the 2 status tiers that need monthly activity beyond spending (Shakepay Bright and Blue) Include the 4 tiers that need a token stake (CA$650 to CA$650,000 of CRO locked for 12 months) Add my own card to the comparison

Rewards are valued in CAD on the day they are credited. If they are paid in crypto, their value later moves with the coin: see the volatility tool.

Per year, before tax. “Conversion” is the card’s own fee for converting the asset you spend (MetaMask 0.5% for a USD stablecoin at a CAD merchant; ether.fi’s FX margin on non-USD purchases) plus any funding cost you entered. Status tiers that need monthly activity and staked tiers are hidden unless you tick them. “Break-even” is the monthly spend at which rewards net of conversion cover fixed fees.
Card / tier	Rewards	Fixed fees	FX cost	Conversion	ATM	Net	Break-even spend / month
ether.fi Cash — Core paid in ETHFI · offshore, not CSA-registered	$594	$0	$0	−$99	$0	$495	$0
ether.fi Cash — Luxe paid in ETHFI · offshore, not CSA-registered	$594	−$278	$0	−$50	$0	$267	$842
Shakepay Card — Base paid in BTC	$198	$0	−$54	$0	$0	$144	$0
Crypto.com Visa — Ruby Steel (annual subscription) paid in CRO	$189 capped	−$70	$0	$0	$0	$119	$388
Crypto.com Visa — Royal Indigo / Jade Green (annual subscription) paid in CRO	$495	−$400	$0	$0	$0	$95	$1,333
MetaMask Card paid in mUSD · offshore, not CSA-registered	$198	$0	−$18	−$99	$0	$81	$0
Shakepay Card — Base from Dec 1, 2026 paid in BTC	$99	$0	−$54	$0	$0	$45	$0
Crypto.com Visa — Midnight Blue paid in CRO	$0	$0	−$36	$0	$0	−$36	$0
ether.fi Cash — Pinnacle paid in ETHFI · offshore, not CSA-registered	$594	−$1,396	$0	$0	$0	−$802	$3,878

Crypto card rewards vs fees calculator · Powered by CryptoCards.ca · MITEY