Extra Debit Card vs Self Visa Credit Card
Bottom line, net annual cost favours Self Visa Credit Card (€0), while Extra Debit Card comes to €149. On cashback Extra Debit Card wins (up to 1%, but the full rate requires Nessuno). Neither wins across the board: weigh the points above against your use case before choosing between Extra Debit Card and Self Visa Credit Card.
| Extra Debit Card | Self Visa Credit Card | |
|---|---|---|
| Tier | B | A |
| Rating | ★ 3.9 | ★ 4.2 |
| Estimated net annual cost | €149 | €0 |
| Network | Mastercard | Visa |
| Card type | Credit card | Credit card |
| APR | 0% | 27.49% |
| Issuance fee | Free | Free |
| Annual fee | €240/year | Free |
| Free ATM limit | N/A (no ATM withdrawals) | Not disclosed |
| ATM withdrawal | Free | not declared |
| FX markup | 0% | 0% |
| Cashback | 1% · Nessuno | Not disclosed |
| On-chain settlement | No | — |
| Contactless | Yes | Yes |
| Virtual card | Yes | Yes |
| KYC | Full | Full |
| Privacy | 5/10 | 5/10 |
| Supported countries | US · 1+ countries | US · 1+ countries |
| Regulator | FDIC | FDIC |
| OAM Italy registration | No | — |
| Segment | B2C | B2C |
| Regions | US | US |
| Licences & safety | Partner bank charter | Partner bank charter |
Frequently asked questions
Extra Debit Card vs Self Visa Credit Card: which is better?
Bottom line, net annual cost favours Self Visa Credit Card (€0), while Extra Debit Card comes to €149. On cashback Extra Debit Card wins (up to 1%, but the full rate requires Nessuno). Neither wins across the board: weigh the points above against your use case before choosing between Extra Debit Card and Self Visa Credit Card.
Which is cheaper, Extra Debit Card or Self Visa Credit Card?
On the standard spending profile Self Visa Credit Card has the lowest net annual cost: €0 versus €149 for Extra Debit Card.
Which offers more cashback, Extra Debit Card or Self Visa Credit Card?
Extra Debit Card has the highest cashback: up to 1%. Note the top rate often requires token staking and is subject to spending caps.
Is Extra Debit Card custodial or self-custody?
Extra Debit Card is custodial: funds are held by the platform, while Self Visa Credit Card is custodial.