Tool

Rewards vs fees, on your own spending

Net yearly value of each card and tier after fees, foreign-currency and ATM costs, from the issuers’ published terms. Change the numbers or pick an example budget.

Short answer

On $1,500 a month in Canadian purchases plus $150 in foreign currency, a no-fee card paying 1% earns about $198 a year before FX fees, and a 3% FX fee takes $54 of that. Paid tiers only pay off above their break-even spend. Enter your own budget to rank every verified card and tier.

Figures as of November 3, 2026.

Mitey the yeti with a notebook doing sums — Mitey writes his own month into the boxes: groceries in CAD, a USD streaming bill, no ATM cash.

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

Best with no stake at your spend: Shakepay Card — Blue · net $297/yr

Shakepay Blue status on the default budget

Blue needs $1,000+ exchanged or $2,000+ in direct deposits that month.

Shakepay Blue status on the default budget: inputs, steps and result
Card and tier	Shakepay Card — Blue
Purchases in CAD	$1,500 a month
Purchases in a foreign currency	$150 a month
Rewards (at the CAD value when credited)	$297.00 a year1.5% of eligible spend, paid in BTC
Fixed fees	$0.00
Foreign-currency fees	$0.00
Net a year	$297.00No fixed fee to recover.

Open this example in the calculator →Computed 2026-11-03.

What this means for you

Rank cards by the net column, not the reward rate. Then check the stake column: a tier that needs locked tokens is a bet on that token as well as a card.