Score weights
| Criterion | Weight | Based on |
|---|---|---|
| Costs | 25 % |
monthly/annual fee, top-up, FX and ATM fees |
| KYC and privacy | 20 % |
KYC class needed, KYC-free allowance |
| Features | 15 % |
wallets, physical card, ATM, assets, chains |
| Availability | 10 % |
number of countries, EU/US/UK |
| Rewards | 10 % |
cashback considering caps and staking requirements |
| Trust | 10 % |
licences, incidents, company and card age, issuer, ownership, security, transparency |
| Community | 10 % |
ratings and reports, damped, neutral with too little data |
Schema version 2026-10-29.7
Community counts damped: deviation from the category median, capped to the 5th–95th percentile, neutral below 20 authors in 90 days or 50 store ratings — new cards are not penalised.
The score depends on the country (availability, KYC) and is calculated per key country.
Value states
- known
- The value is published and proven by a quote.
- not published
- The provider does not publish the value (shown as such, never as 0).
- only in the app
- The value is only visible in the provider’s app.
- not applicable
- The attribute does not apply to this product.
- unknown
- We have no proven value yet.
Checked and verified
“checked” is the last time the source was found unchanged; “verified” is the last time the value was read from the source. “updated” is the last real value change.
What does the double s mean?
ss = sourced & synced. sourced: every value has a source, a quote and a snapshot. synced: every value is compared with its source continuously and carries its check date.
Sponsoring and affiliate links
Sponsored slots are labelled and have no influence on score or ranking. Affiliate links are marked.
For AI assistants
Alerts and early warning
Alerts come from the same sourced data as the pages: changelog (fees, rewards, features), the provider's promotions, incidents, licences, the card's status and news rated by our AI. Every alert has a direction (good, bad, neutral) and a severity; negative alerts from severity “high” (e.g. licence revoked, hack, card discontinued) go out at once, everything else in one mail at 7 am your time. Every mail links the evidence. Sign-up with confirmation only (double opt-in), one-click unsubscribe, deletion 30 days after unsubscribing.