THORWallet Card vs Crypto.com Card

Side-by-side comparison of 2 crypto debit cards

	THORWallet Card 3.0/5 self_custodialmastercard	Crypto.com Card 4.0/5 self_custodialboth
Rating
Overall	3.0/5	4.0/5
Fees
Monthly Fee	None	No annual fees for base tier
Issuance Fee	See card_tiers (Free to 15 ETH depending on tier)	See card_tiers - varies by tier and region
Rewards
Max Cashback	Coming soon (targeted Q4 2025)	8%
Features
Apple Pay	Yes	Yes
Google Pay	Yes	Yes
Custody	self_custodial	self_custodial
KYC Required	No KYC	No KYC
Pros & Cons
Pros	Non-custodial approach preserves crypto self-custody until conversion Swiss banking infrastructure provides exceptional security and reliability No monthly or annual maintenance fees across all tiers High spending and transfer limits, especially for premium tiers	Generous CRO cashback rates (up to 8% on everyday spending for Prime tier) Travel rewards program offering up to 15% back on travel spending No annual fees for base tier Subscription rebates for popular services (Spotify, Netflix, Truth+)
Cons	Currently virtual card only with no physical card option Card-spend cashback still in development (targeted Q4 2025, not yet live) Significant upfront costs for Gold (1.5 ETH) and Platinum (15 ETH) tiers Limited to three cryptocurrencies for direct bank account top-up	Substantial CRO token staking requirements for higher tiers (12-month lockup) Exposure to cryptocurrency volatility through staking model Rewards programs have been reduced over time Prepaid product requiring active top-up before spending