[ your wallet ]

Wallet builder

The two cards that keep you the most money together, with the features you can't do without. One card for most spending, a second for what it handles better: small purchases, US dollars, travel, lounges, yield or a bank account.

Where you live

Monthly card spend (USD)

Must-haves (between the two cards)

Currency split and purchase sizes 80% in your own currency · 10% US dollars online · 10% other currencies · balanced $10–$200 mix Edit

US dollars online (%)

Travel and other currencies (%)

Purchase sizes

Include tiers that need staking, a token lockup or an invite

[ your best wallet ]

One card does it: Hyperbeat Pay Card

At $1,000 a month, no second card adds money. Its fees would cost more than it saves.

Your card

Hyperbeat Pay CardTrader $5M

Yield
Borrow
Non-custodial

You keep: $600/yr

Best pairs, if you want two cards

Hyperbeat Pay Card (Trader $5M) + ether.fi Cash Card (VIP) · card 2 for all spending in other currencies$588/yr (−$12)
Hyperbeat Pay Card (Trader $5M) + Ethena Pay (Standard) · card 2 for all spending in US dollars online$588/yr (−$12)
Hyperbeat Pay Card (Trader $5M) + Solid Card (Core) · card 2 for all spending in US dollars online$576/yr (−$24)

Every pair of cards available where you live is tried, with your spending split by purchase size and currency and each card at its best tier for its share. Both cards' yearly fees are counted in full. Must-haves come from each card's published features: lounge access from its tier perks, yield, borrowing and bank accounts from its banking features. Money is worked out like the rewards calculator; see how it works.