Debit cards, virtual cards, and prepaid cards from top fintech providers. Real fees, real features, independently compared.
Compare CardsCard fee and feature data sourced from official provider websites. Last verified July 2026.
| Card | Monthly Fee | Card Type | FX Fee | Cashback | Virtual Card | Apple Pay | Available In |
|---|---|---|---|---|---|---|---|
| Revolut Standard | Free | Visa/Mastercard debit | 0% up to $1,000/mo | Up to 1% (paid plans) | Yes (instant) | Yes | EU, UK, US, JP, AU |
| Wise Debit Card | Free (one-time $7 card fee) | Visa debit | 0.33-0.61% | None | Yes (instant) | Yes | Global (160+ countries) |
| N26 Standard | Free | Mastercard debit | 1.7% (non-EUR) | None (0.1% on Metal) | Yes | Yes | EU (25 countries) |
| Chime Visa Debit | Free | Visa debit | N/A (USD only) | None (rewards via boosts) | No | Yes | US only |
| Monzo Personal | Free | Mastercard debit | 0% up to $250/mo | None | Yes | Yes | UK |
| Revolut Metal | $16.99/mo | Visa/Mastercard debit | 0% (unlimited) | Up to 1% | Yes (disposable) | Yes | EU, UK, US, JP, AU |
| Bunq Easy Money | $17.99/mo | Mastercard debit | 0% (ZeroFX) | Up to 2% | Yes (up to 25) | Yes | EU, UK |
| SoFi Debit Card | Free | Mastercard debit | N/A (USD only) | Up to 15% at select merchants | Yes | Yes | US only |
| Curve Card | Free (Flex plan) | Visa/Mastercard | 0% on weekdays (up to $500/mo) | 1% for 3 months | Yes | Yes | EU, UK |
| Vivid Money Standard | Free | Visa debit | 0% up to $200/mo | Up to 0.5% (up to 25%) | Yes | Yes | EU (DE, ES, FR, IT) |
Virtual cards are digital-only card numbers you can generate instantly in your neobank app. They work for online purchases, subscriptions, and digital wallets without waiting for a physical card to arrive.
For frequent online shoppers in multiple currencies, Revolut and Wise offer the best value. Revolut generates disposable virtual cards on Premium and Metal plans that auto-destroy after one use — useful for sites you don't fully trust. Wise is better for cross-border purchases with consistently low FX fees and no hidden markups.
Bunq allows up to 25 virtual cards on their premium plan, making it ideal for separating subscriptions. Revolut offers similar functionality on paid plans. For free options, N26 and Monzo both provide a single virtual card at no cost.
We evaluate neobank debit and virtual cards on criteria that matter for daily spending:
All data is sourced from official provider websites and verified monthly. We do not receive compensation from any card issuer for rankings. See our about page for full methodology.