Comparison
Cypher Card vs. THORWallet Card compared
-
Illustration
Drawn by us from the provider logo and card colours, not the official card picture.
Drawn on
Cypher CardCypher
-
Image source
Source
thorwallet.org
Retrieved on
Logos and card pictures are trademarks of their owners and are shown for identification only.
THORWallet CardTHORWallet
In short
- THORWallet Card has the higher score (62.97).
| Attribute |
Cypher CardCypher
Requires KYC
Private
Virtual
Physical
Metal
|
THORWallet CardTHORWallet
Requires KYC
Private & business
Virtual
Physical
|
|---|---|---|
| Score | average with variant Premium (discontinued): 58.28 | average |
| CostsWeight 25 % | 68 | 100 |
| KYC and privacyWeight 20 % | 35 | 35 |
| FeaturesWeight 15 % | 76 | 70 |
| AvailabilityWeight 10 % | not scored | not scored |
| RewardsWeight 10 % | not scored | 22 |
| TrustWeight 10 % | 81 | 83 |
| CommunityWeight 10 % | not scored | not scored |
| KYC | KYC: ID document | KYC: ID document |
| Limits (entry level) |
|
no limits captured |
| Basics | ||
| Card form (differs) |
credit
Source and check
Source
cypherhq.io
Wording at the source
# CYPHER CREDIT CARD ACCOUNT OPENING DISCLOSURES – NO SET LINE OF CREDITChecked Verified Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean? |
unknown |
| Card types |
virtual, physical
Source and check
Source
cypherhq.io
Wording at the source
Cards Virtual card✅ Free ✅ Free Physical Card✅ ($50Shipping fee) ✅ ($50Shipping fee) Metal Card🚫 ✅ FreeChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
virtual, physical, metal
Source and check
Source
cypherhq.io
Wording at the source
Cards Virtual card✅ Free ✅ Free Physical Card✅ ($50Shipping fee) ✅ ($50Shipping fee) Metal Card🚫 ✅ FreeChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
virtual, physical
Source and check
Source
thorwallet.org
Wording at the source
20% off with invite Card typePhysical + VirtualChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card network (differs) |
Visa
Source and check
Source
cypherhq.io
Wording at the source
The card program is issued by the Issuer under license from Visa.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
Mastercard
Source and check
Source
thorwallet.org
Wording at the source
Yes. It's a Mastercard issued under licence and accepted anywhere Mastercard is, online and in store. Mastercard is a registered trademark of Mastercard International.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Custody |
self-custody
Source and check
Source
cypherhq.io
Wording at the source
CypherD offers a Non-Custodial Wallet enabling users to store, manage, and transact with cryptocurrencies, as well as a Crypto Card designed for facilitating purchases. As a non-custodial service, Cyp...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
self-custody
Source and check
Source
thorwallet.org
Wording at the source
Yes. Your wallet balance stays in self-custody - your keys never leave your device. You top up the card from your wallet when you want to spend, so you stay in control of your funds.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Funding model |
stablecoin balance
Source and check
Source
cypherhq.io
Wording at the source
- Your funds are completely safe and can be withdrawn at any time before the deadline, with no fees. - Withdrawals are processed in USDC on Base and may take 24 to 48 hours to reflect in your wallet....Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
stablecoin balance
Source and check
Source
faqs.thorwallet.org
Wording at the source
Users can top up the card with USDC.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card currencies |
USD
Source and check
Source
cypherhq.io
Wording at the source
If you make a transaction using your Account in a foreign currency (including, for example, online purchases from a merchant located outside of the U.S.), the credit card association will convert any...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
USD
Source and check
Source
thorwallet.org
Wording at the source
CurrenciesUSDChecked Verified Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean? |
| Usage (differs) |
personal
Source and check
Source
cypherhq.io
Wording at the source
- You will use the Cypher Card for personal, family, or household use.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
personal, business
Source and check
Source
thorwallet.org
Wording at the source
The Service is made available to both individual and business users.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Issuer / BIN sponsor (differs) |
Third National
Source and check
Source
cypherhq.io
Wording at the source
- "Issuer" refers to the issuer of the card program. The issuer for this card program is Third National.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Limits depend on (differs) |
plan
Source and check
Source
cypherhq.io
Wording at the source
The Standard Plan users have a daily limit of $10,000 and a monthly limit of $30,000. The Premium Plan users have a daily limit of $20,000 and a monthly limit of $60,000.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
KYC level, plan
Source and check
Source
faqs.thorwallet.org
Wording at the source
THORWallet offers different card plans with different benefits, limits, and fees.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Cards per account | unknown | |
| Availability | ||
| Available in | unknown | |
| Crypto | ||
| Supported assets (differs) |
ETH, USDC, SOL
Source and check
Source
cypherhq.io
Wording at the source
Note: A single load of up to $100,000 can be added for USDC, USD, ETH, and SOL.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
USDC
Source and check
Source
faqs.thorwallet.org
Wording at the source
The THORWallet Card allows users to spend with a virtual or physical Mastercard, top up with USDC, and use their card globally across supported countries.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Number of supported assets | unknown | |
| Top-up networks (differs) |
Ethereum, BNB Smart Chain, Solana, Polygon, Arbitrum, Base, Optimism, Avalanche, zkSync, Cosmos
Source and check
Source
cypherhq.io
Wording at the source
1. Ethereum 2. Polygon 3. Arbitrum 4. Optimism 5. Base 6. Injective 7. Osmosis 8. Cosmos 9. TX 10. BSC (Binance Smart Chain) 11. Solana 12. Avalanche (Avax) 13. ZKsync_ERA 14. Noble 15. HyperliquidChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Fiat top-up (differs) |
No
Source and check
Source
cypherhq.io
Wording at the source
No, it's not possible to fund the card with fiat.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Payments | ||
| Mobile wallets (differs) |
Apple Pay
Google Pay
Source and check
Source
cypherhq.io
Wording at the source
We've provided helpful links below to guide you through the process of adding your Cypher card to Apple Pay and Google Pay:Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| ATM withdrawals |
Yes
Source and check
Source
cypherhq.io
Wording at the source
The channels you can enable or disable are ATM Withdrawals, Online Transaction, Contactless Transaction, Card and PIM Transaction and Apple Pay and GPay.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
Yes
Source and check
Source
thorwallet.org
Wording at the source
ATM withdrawals cost $1 (domestic) or $5 (international) on Basic and PremiumChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Contactless (differs) |
Yes
Source and check
Source
cypherhq.io
Wording at the source
The channels you can enable or disable are ATM Withdrawals, Online Transaction, Contactless Transaction, Card and PIM Transaction and Apple Pay and GPay.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Fees | ||
| Virtual card issuance (differs) |
0.00 USD
Source and check
Source
cypherhq.io
Wording at the source
Virtual card✅ Free ✅ FreeChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Physical card issuance | unknown | |
| Free cards | unknown | |
| Shipping | unknown | |
| Monthly fee | unknown | |
| Annual fee |
199.00 USD
Source and check
Source
cypherhq.io
Wording at the source
Premium$199 billed annuallyChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Top-up fee | unknown | |
| Crypto deposit fee | unknown | |
| Crypto conversion fee | unknown | |
| Foreign currency fee (differs) |
1.75 %
Source and check
Source
cypherhq.io
Wording at the source
Forex Markup Non USD Transactions1.75% 0.75%Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
0.75 %
Source and check
Source
cypherhq.io
Wording at the source
Forex Markup Non USD Transactions1.75% 0.75%Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| FX free allowance | unknown | |
| Minimum FX fee | unknown | |
| ATM fee (differs) |
3 %
Source and check
Source
cypherhq.io
Wording at the source
ATM Withdraw Fee 3% 2%Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
2 %
Source and check
Source
cypherhq.io
Wording at the source
ATM Withdraw Fee 3% 2%Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Declined payment fee | unknown | |
| Refund fee | unknown | |
| Inactivity fee | unknown | |
| Minimum monthly spend | unknown | |
| Inactivity rule | unknown | |
| Card replacement | unknown | |
| Rewards | ||
| Cashback (differs) | 0.5 % (Premium); 0.5 % (Premium); 0.5 % (TITN) · in USDC | |
| Referral bonus (invited friend) | unknown | |
| Referral bonus (you) | unknown | |
| Welcome bonus | unknown | |
Highlighted rows differ.
Values of the chosen variant; without a choice the entry variant (first in the provider's order).
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