[ head to head ]

DogPay Card vs OrbitX Card

OrbitX Card scores higher on the G2M score: 43/100 against 36/100 (#32 and #34 of 37 cards). Pick DogPay Card for a lower annual fee and a lower FX fee; pick OrbitX Card for control of your funds.

DogPay Card36

#34 of 37 · Not published back · annual fee none

Get DogPay Read the review

OrbitX Card43

#32 of 37 · Not published back · annual fee $12

Get OrbitX Read the review

The short answer

OrbitX Card scores higher on the G2M score: 43/100 against 36/100 (#32 and #34 of 37 cards).
Neither card publishes a cashback rate for its entry tier.
DogPay Card has no annual fee; OrbitX Card costs $12 a year.
DogPay Card charges less on foreign currency: a 0.5% FX fee against 2%.
Neither card has confirmed a country we can count yet.
DogPay Card is custodial; OrbitX Card is non-custodial.

Want the answer for your own spending, or the next tier up of each? See what each keeps you a year or pick tiers and add a third card.

Side by side

DogPay Card

OrbitX Card

G2M score

Base cashback

Not published

Max cashback

Not published

Paid in

Not published

Annual fee

Free

$12

FX fee

0.5%

Top-up fee

Per-purchase fee

1% + $0.30

$0.20

ATM

Physical card at supported ATMs; fee not published

Physical card only, not available yet: the ATM's own fee + 2% + $2; limit $500 on Neo, $1,000 on Lux

Network

Visa / Mastercard

Visa

Card type

Prepaid

Varies by region

Custody

Custodial

Non-custodial

Sign-up bonus (G2M link)

None published

No ID check

ID needed or not stated

Formats

virtual, physical

virtual

Apple / Google Pay

Yes / Yes

India

Unclear

UAE

Unclear

United States

Unclear

United Kingdom

Unclear

EU / EEA

Unclear

Countries

Depends on your region and identity checks; no country list published

No published country list. OrbitX focuses on Latin America, East Asia, Africa and the Middle East. The international card is not for US citizens; a separate US card agreement exists.

Bank account (IBAN or account number)

In your name

Send money to a bank account

1 currency

9 currencies

Buy and sell crypto with fiat

Sell only

Buy and sell

Spend against crypto without selling

Not confirmed

Yield on your balance

Yes

Tiers

Basic · Premium · Platinum · Ultra

Neo · Lux

Perks

Personal USD account (ACH, Fedwire, SWIFT) · 6% a year on stablecoins (Earn) · Card top-up fee 1% · $10 per virtual card · Up to 2 cards

Named bank accounts in 9 currencies: USD, EUR, GBP, AED, NGN, BRL, MXN, COP, PHP · Send money to 100+ countries in your own name · Yield on USDC through on-chain strategies · Funds on Base and Polygon; Solana and Tron coming · Visa Platinum

Highlighted values are the better of the two. “Not published” means the issuer does not state it. Card data last checked 28 Oct 2026; see each card's review for its sources.

Questions

Which is better, DogPay Card or OrbitX Card?

OrbitX Card scores higher on the G2M score: 43/100 against 36/100 (#32 and #34 of 37 cards). Pick DogPay Card for a lower annual fee and a lower FX fee; pick OrbitX Card for control of your funds. The better card for you depends on where you live and how you spend; the G2M calculator works it out for your own spending.

Which has lower fees, DogPay Card or OrbitX Card?

DogPay Card has no annual fee; OrbitX Card costs $12 a year. DogPay Card charges less on foreign currency: a 0.5% FX fee against 2%.

Which pays more cashback, DogPay Card or OrbitX Card?

Neither card publishes a cashback rate for its entry tier.

Which works in more countries, DogPay Card or OrbitX Card?

Neither card has confirmed a country we can count yet.

Who holds my funds with DogPay Card and OrbitX Card?

DogPay Card is custodial; OrbitX Card is non-custodial.

More comparisons

Scores use the same rules for every card (how the score works). Referral links never change a score or rank. Not financial advice.