I compared two crypto payment apps for 2 months. Here's what actually costs less

what i spent;

platform A: 2,800$ total
platform B: 2,600$ total
mix of online purchases, some atm withdrawals on platform A

platform A fees;

card issuance: 10$ one time
crypto conversion: 1% every transaction
fx markup: 1.2% on top
atm withdrawal: pulled 400$ cash, paid 2% (8$)
total fees: 10$ + 28$ conversion + 34$ fx + 8$ atm =80$

platform B fees;

card issuance: 0$
payment fee: 2% flat
no atm (app only for online/tap to pay)
total fees: 52$

where platform A won; atm withdrawals (palform B doesnt do this), higher limits (100k per transaction if you need that), physical card option
where platform B won; way lower fees overall, connects to my own wallet (platform A is custodial), apple pay integration is clean

tldr

if you need atm cash = platform A
if you just want cheap online payments = platform B saved me 28$ on similar spend