Rewards calculator
What each card pays you back in a year, minus every fee: plan, FX, per-purchase, small-purchase and top-up. Pick where you live: a card that bills in your currency charges no FX fee at home. Then compare tiers across up to three cards, or see one card line by line.
Tiers of MEXC Card, ether.fi Cash Card and Ethena Pay at $1,000 a month · best for you: MEXC Thailand Elite ($1,068 a year)
| Card · tier | Rewards / yr | Plan and card fees / yr | FX cost / yr | Purchase fees / yr | You keep / yr | Notes |
|---|---|---|---|---|---|---|
| $1,200 | $0 | −$12.00 | −$120 | $1,068 | Needs: Thailand residents; tier criteria not published | |
MEXC CardThailand PremierFree | $720 | $0 | −$12.00 | −$120 | $588 | Needs: Thailand residents; tier criteria not published |
Ethena PayVIPPrice not published | $600 | $0 | −$12.00 | $0 | $588 | Tier price not published · Needs: Lock $10000 in ENA or invite 50 users |
Ethena PayProPrice not published | $540 | $0 | −$12.00 | $0 | $528 | Tier price not published · Needs: Lock $2000 in ENA or invite 10 users |
| $480 | $0 | $0 | $0 | $480 | Or hold 500,000 ETHFI (~$297,407) | |
Ethena PayStandardFree | $480 | $0 | −$12.00 | $0 | $468 | |
ether.fi Cash CardCoreFree | $360 | $0 | −$6.00 | $0 | $354 | Free for everyone |
MEXC CardThailand StandardFree | $480 | $0 | −$12.00 | −$120 | $348 | Needs: Thailand residents |
| $360 | −$199 | −$3.00 | $0 | $158 | Or hold 30,000 ETHFI (~$17,844) | |
MEXC CardGlobal virtualFree | $0 | $0 | $0 | −$120 | −$120 | Cashback rate not published |
| $360 | −$999 | $0 | $0 | −$639 | Or hold 150,000 ETHFI (~$89,222) |
Which one pays off at your spend
| Monthly spend | Best tier | You keep / yr |
|---|---|---|
| $250 | MEXC Thailand Elite | $267 |
| $500 | MEXC Thailand Elite | $534 |
| $1,000 | MEXC Thailand Elite | $1,068 |
| $2,000 | MEXC Thailand Elite | $2,136 |
| $3,000 | MEXC Thailand Elite | $3,204 |
| $5,000 | MEXC Thailand Elite | $5,340 |
| $10,000 | MEXC Thailand Elite | $8,280 |
MEXC Card
- Thailand Standard (free) beats Global virtual (free) once you spend $1 a month, until $100,000 a month. Needs: Thailand residents.
- Thailand Premier (free) beats Thailand Standard (free) once you spend $1 a month. Needs: Thailand residents; tier criteria not published.
- Thailand Elite (free) beats Thailand Premier (free) once you spend $1 a month. Needs: Thailand residents; tier criteria not published.
ether.fi Cash Card
- Luxe ($199/yr) beats Core (free) once you spend $2,795 a month. Or hold 30,000 ETHFI (~$17,844).
- Pinnacle ($999/yr) beats Luxe ($199/yr) once you spend $13,169 a month. Or hold 150,000 ETHFI (~$89,222).
- VIP (free) keeps you more than Pinnacle ($999/yr) at any spend. Or hold 500,000 ETHFI (~$297,407).
Ethena Pay
- Pro (price not published) vs Standard (free): can’t be compared, the price is not published. Needs: Lock $2000 in ENA or invite 10 users.
- VIP (price not published) vs Pro (price not published): can’t be compared, the price is not published. Needs: Lock $10000 in ENA or invite 50 users.
Worked out with all your other settings unchanged. Staking or lockups a tier needs are not counted as a cost; their value today is shown next to them. Compare these side by side: perks, caps and how to qualify
Missing figures are counted as zero and flagged in the notes. Spending caps, spend bands and small-purchase limits are applied where the issuer publishes them. Top-up fees are worked out on everything you load, including the money that goes on fees. How the calculator works. To see one purchase line by line, try the swipe receipt.