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 ($)

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. ATM costs use the issuer’s stated free amount and fee where it gives a percentage; flat ATM fees are listed on each card page. “Break-even” is the total monthly spend at which rewards cover fixed fees.
Card / tier	Rewards	Fixed fees	FX cost	ATM	Net	Break-even spend / month
Shakepay Card — Blue paid in BTC	$297	$0	$0	$0	$297	$0
MetaMask Card paid in mUSD	$198	$0	not stated	$0	$198	$0
Shakepay Card — Bright paid in BTC	$198	$0	−$27	$0	$171	$0
Shakepay Card — Base paid in BTC	$198	$0	−$54	$0	$144	$0
Crypto.com Visa — Ruby Steel (annual subscription) paid in CRO	$189 capped	−$70	$0	$0	$119	$388
Crypto.com Visa — Royal Indigo / Jade Green (annual subscription) paid in CRO	$495	−$400	$0	$0	$95	$1,333
Shakepay Card — Base from Dec 1, 2026 paid in BTC	$99	$0	−$54	$0	$45	$0
Crypto.com Visa — Midnight Blue paid in CRO	$0	$0	−$36	$0	−$36	$0

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