How to Compare Crypto Card Cashback After Fees

Start with eligible spend

Cards often exclude categories, merchants, cash withdrawals or transfers. The eligible share can be much lower than total monthly spending.

Cashback caps may apply monthly, annually or per category. A 3% headline rate with a low cap can produce a much lower effective rate.

Calculate actual benefit

Compare modeled cashback against all fees charged for the same purchase. A card with higher cashback but expensive conversion can still produce less value.

Eligible Spend = Spend × Eligible %
Cashback = min(Eligible Spend × Rate, Cap)
Net Benefit = Cashback − FX Fee − Transaction Fee − Fixed Fee

Availability is a separate fact

A global product page does not prove eligibility in your country. Issuer, residency, KYC and region restrictions require their own source-dated evidence.