Bitsa Card vs SpectroCoin Card
How does Bitsa Card compare to SpectroCoin Card? A side-by-side look at fees, rewards, custody and availability.
Higher score: Bitsa Card · provisional, see how we rate
Quick answer. Bitsa Card and SpectroCoin Card are both crypto cards — here's how they differ. Key differences: annual fee (Bitsa Card: FREE €0; MOVE €0.99/mo (€8.99/yr); PRO €9.99/mo (€69.99/yr). Card issuance: physical €20, virtual €2.50 vs SpectroCoin Card: No annual fee; monthly service charge €1. Issuance: physical €5, virtual €1); foreign-spend fee (Bitsa Card: 1.75% (international non-euro); 2% (rest of world) vs SpectroCoin Card: POS/online: EEA non-EUR 0.5%; international 1%). Our provisional scoring rates Bitsa Card higher (7.9/10 vs 7.3/10), but the best pick depends on your country and how you spend.
| Feature | Bitsa Card | SpectroCoin Card |
|---|---|---|
| Our score | 7.9/10 | 7.3/10 |
| Type | Prepaid | Debit |
| Networks | Visa | Visa |
| Rewards | Cashback up to 15% (PRO plan) | — |
| Annual fee | FREE €0; MOVE €0.99/mo (€8.99/yr); PRO €9.99/mo (€69.99/yr). Card issuance: physical €20, virtual €2.50 | No annual fee; monthly service charge €1. Issuance: physical €5, virtual €1 |
| FX fee | 1.75% (international non-euro); 2% (rest of world) | POS/online: EEA non-EUR 0.5%; international 1% |
| ATM fee | Eurozone: ATM operator fee passed on; non-euro: €0.55 + 1%, minimum €0.75 | EEA EUR €1; EEA non-EUR 1% (min €1); international 2% (min €2); balance inquiry €0.50 |
| KYC | Light | — |
| Custody | Custodial | Custodial |
| Supported coins | BTC, ETH, USDC, XRP, LTC, TRX, DAI, ADA, SOL, BAT, DOGE, DOT, AVAX, SHIB, MATIC, DASH, SUSHI, XTZ, LINK (20+) | 40+ currencies supported (e.g. USDT, SOL, MATIC, DAI) |
| Availability | Europe (provides a European IBAN) | — |
| Apple / Google Pay | — | Yes |
When choosing between the Bitsa Card and the SpectroCoin Card, your decision will largely depend on your specific needs, such as the type of card you prefer, the fees you’re willing to pay, and the features you value most. Both cards offer unique advantages and cater to different user preferences.
Choose Bitsa Card if…
- You want a prepaid card option: Bitsa Card is a prepaid card, which can be beneficial for those who prefer to load funds in advance and avoid the risk of overspending.
- You need a wide range of supported cryptocurrencies: Bitsa Card supports over 20 cryptocurrencies, including popular ones like BTC, ETH, and USDC, making it a great choice for crypto enthusiasts.
- You are looking for cashback rewards: With the PRO plan, Bitsa Card offers cashback up to 15%, which can be a significant benefit for frequent spenders.
- You prefer flexible top-up options: While there is a commission for external card reloads, Bitsa Card offers voucher redemption with varying fees, providing multiple ways to top up your card.
- You are based in Europe: Bitsa Card provides a European IBAN, which can be useful for users within Europe.
Choose SpectroCoin Card if…
- You prefer a debit card: SpectroCoin Card is a debit card, which might be more suitable for those who want to link it directly to their bank account or cryptocurrency wallet.
- You want lower foreign exchange fees: SpectroCoin Card has lower FX fees, with EEA non-EUR transactions at 0.5% and international transactions at 1%, compared to Bitsa’s 1.75% and 2% respectively.
- You prefer a card with no annual fee: SpectroCoin Card has no annual fee, although there is a monthly service charge of €1 and a physical card issuance fee of €5.
- You value wallet payment integration: SpectroCoin Card offers wallet pay, allowing you to integrate your card with your SpectroCoin wallet for seamless transactions.
- You need support for a broader range of currencies: SpectroCoin Card supports over 40 currencies, including USDT, SOL, and MATIC, providing more options for users with diverse currency needs.
Bottom line
Ultimately, the choice between Bitsa Card and SpectroCoin Card hinges on your priorities. If you value a prepaid card with cashback rewards and a wide range of supported cryptocurrencies, Bitsa Card might be the better option. However, if you prefer a debit card with lower foreign exchange fees, no annual fee, and wallet payment integration, SpectroCoin Card could be more suitable. For more detailed comparisons, you can visit our how we rate page to understand our evaluation criteria.