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DogPay Card vs PEXX Card

PEXX Card scores higher on the G2M score: 62/100 against 36/100 (#19 and #36 of 39 cards). Pick DogPay Card for a lower FX fee; pick PEXX Card for cashback and more countries.

DogPay Card36

#36 of 39 · Not published back · annual fee none

Get DogPayRead the review
PEXX Card62

#19 of 39 · 1% back · annual fee none

Get PEXXRead the review

The short answer

  • PEXX Card scores higher on the G2M score: 62/100 against 36/100 (#19 and #36 of 39 cards).
  • PEXX Card pays 1% cashback on its entry tier; DogPay Card does not publish a rate.
  • Neither card has an annual fee.
  • DogPay Card charges less on foreign currency: a 0.5% FX fee against 1.2%.
  • PEXX Card lists 68 countries where it works; DogPay Card does not publish a full country list. Of the markets we check for every card, only PEXX Card is confirmed in United Kingdom, EU / EEA and UAE.
  • Both are 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

Detail
DogPay Card
PEXX Card
G2M score
36
62 (better)
Base cashback
Not published
1%
Max cashback
Not published
1%
Paid in
Not published
PEXX Points
Annual fee
Free
Free
FX fee
0.5% (better)
1.2%
Top-up fee
1%
0% (better)
Per-purchase fee
1% + $0.30
0.6%
ATM
Physical card at supported ATMs; fee not published
Not published
Network
Visa / Mastercard
Visa / Mastercard
Card type
Prepaid
Debit
Custody
Custodial
Custodial
Sign-up bonus (G2M link)
None published
None published
No ID check
ID needed or not stated
ID needed or not stated
Formats
virtual, physical
virtual, physical
Apple / Google Pay
Yes / Yes
Yes / Yes
India
Unclear
No
UAE
Unclear
Yes
United States
Unclear
No
United Kingdom
Unclear
Yes
EU / EEA
Unclear
Yes
Countries
Depends on your region and identity checks; no country list published
68
Bank account (IBAN or account number)
In your name
In your name
Send money to a bank account
1 currency
17 currencies
Buy and sell crypto with fiat
Sell only
Buy and sell
Spend against crypto without selling
Not confirmed
Not confirmed
Yield on your balance
Yes
Yes
Tiers
Basic · Premium · Platinum · Ultra
PEXX Card
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
PEXX Earn: up to 4% APY on USD, USDT and USDC (tokenised US Treasuries) · USD account with routing and account number · Points convert to HeyMax Max Miles · QR payments in Indonesia, Malaysia, Singapore, Vietnam and the Philippines

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 PEXX Card?

PEXX Card scores higher on the G2M score: 62/100 against 36/100 (#19 and #36 of 39 cards). Pick DogPay Card for a lower FX fee; pick PEXX Card for cashback and more countries. 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 PEXX Card?

Neither card has an annual fee. DogPay Card charges less on foreign currency: a 0.5% FX fee against 1.2%.

Which pays more cashback, DogPay Card or PEXX Card?

PEXX Card pays 1% cashback on its entry tier; DogPay Card does not publish a rate.

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

PEXX Card lists 68 countries where it works; DogPay Card does not publish a full country list. Of the markets we check for every card, only PEXX Card is confirmed in United Kingdom, EU / EEA and UAE.

Who holds my funds with DogPay Card and PEXX Card?

Both are 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.