FEES GUIDE
Crypto Card
Fees Explained
Understand spread, FX, ATM, and hidden costs with real examples so you can maximize rewards and avoid unnecessary fees.
ⓘ Disclosure: Affiliate links may be used. Educational content only.
Terms vary by provider.
Popular Card Comparison
| Card | Rewards | Fees | FX Fee | ATM Fee |
|---|---|---|---|---|
| C Coinbase Card | Up to 4% back | Free | 2.49% | $3.00 |
| G Gemini Card | Up to 3% back | Free | 0% | $2.50 |
| ● Crypto.com Visa | Up to 8% back | Free | 0% | $2.00 |
| N Nexo Card | Up to 2% back | Free | 0% | $0.00 |
Example Real-World Scenario
You spend $1,000 abroad and withdraw $200 from an ATM.
- Card: Coinbase Card
- FX Fee (2.49%): $24.90
- ATM Fee: $3.00
- Total Extra Cost: $27.90
Tip: Use cards with 0% FX fees and low ATM fees to save more on every transaction.
Fee Breakdown / Net Outcome
How different fees can impact your total cost
Spread
The hidden markup when a card converts crypto to fiat
Impact: 0.5% – 3%
FX Fees
Charges for spending in a currency other than your base currency
Impact: 0% – 2.99%
ATM Fees
Fee for cash withdrawals at ATMs, on top of FX charges
Impact: $2 – $5
Other Fees
Inactivity fees, card issuance, or top-up fees
Impact: Varies
Potential Extra Cost on $1,000 Spend
$60
$40
$20
$0
Low Fee
Average Fee
High Fee
Choose the right card and save more.
Checklist to Minimize Fees
- Choose cards with 0% FX fees
- Avoid ATM withdrawals when possible
- Compare spread rates before spending
- Pay in local currency, not dynamic conversion
- Review all fees before ordering your card
Common Mistakes
- You want higher rewards on dining (3%).
- Using ATMs frequently
- Not checking hidden spread
- Paying in your home currency abroad
- Overlooking inactivity or top-up fees
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