FAQS
TODEY questions
What is TODEY?
TODEY is an independent discovery and comparison platform focused on crypto card products. We help users explore different card options, compare features, check fees or rewards, and understand how each provider works — all in one place.
Is TODEY a card issuer?
No. TODEY does not issue cards or provide financial services. We only list, analyze and compare available options.
Does TODEY earn referral revenue?
Sometimes — yes.
Some card providers may offer referral or affiliate commissions when users click their links.
Sponsored listings are always clearly marked, and compensation or card filters does not influence our editorial opinions.
Some card providers may offer referral or affiliate commissions when users click their links.
Sponsored listings are always clearly marked, and compensation or card filters does not influence our editorial opinions.
Why should I use Todey referral?
Using our referral link or code may unlock exclusive welcome bonuses, boosted rewards, extra cashback, or higher limits with lower fees. It doesn’t cost you anything extra, only offers potential benefits, and helps the platform continue operating.
Are card features guaranteed by TODEY?
No. While we do our best to maintain real-time accuracy, card details such as cashback, fees, or limits can change at any time.
Always check the provider’s official website before applying.
Always check the provider’s official website before applying.
How are cards ranked after filters?
Only cards that match your selected filters are shown.
From there, results are ranked by the Smart Score Algorithm.
A weighted system that evaluates key factors such as cashback type, FX fees, limits, bonuses, APR, supported blockchains, and extra perks.
If two cards score similarly, cashback strength, APR, and FX fees are used as secondary tiebreakers.
From there, results are ranked by the Smart Score Algorithm.
A weighted system that evaluates key factors such as cashback type, FX fees, limits, bonuses, APR, supported blockchains, and extra perks.
If two cards score similarly, cashback strength, APR, and FX fees are used as secondary tiebreakers.
diffrence between card comparesion/finder?
In Card Comparison, you pick 2 cards to see their features side by side. In Card Finder, you apply filters on all cards to see the top results matching your criteria.
General questions
What is a welcome bonus?
A welcome bonus is a reward offered by some card providers when you sign up or meet a specific requirement (e.g., spending a minimum amount).
Examples include:
- Cashback boost for the first month
- Extra points or tokens
- Reduced fees for a limited period
Examples include:
- Cashback boost for the first month
- Extra points or tokens
- Reduced fees for a limited period
What are “Cashback Rewards”?
Cashback rewards are a percentage of your spending that is returned to you in a specific form—often crypto, tokens, or in some cases fiat credits.
Rates may vary depending on:
- Your card tier
- Your token holdings
- Region
- Promotions
- Merchant categories
Always check the provider’s conditions.
Rates may vary depending on:
- Your card tier
- Your token holdings
- Region
- Promotions
- Merchant categories
Always check the provider’s conditions.
Virtual or physical crypto card?
Virtual Card:
- Exists only digitally
- Used online or via mobile wallets like Apple Pay/Google Pay
- Delivered instantly in most cases
Physical Card:
- A physical plastic or metal card
- Used for in-store purchases and ATM withdrawals
- Requires shipping
Both usually connect to the same crypto balance or account provided by the card issuer.
- Exists only digitally
- Used online or via mobile wallets like Apple Pay/Google Pay
- Delivered instantly in most cases
Physical Card:
- A physical plastic or metal card
- Used for in-store purchases and ATM withdrawals
- Requires shipping
Both usually connect to the same crypto balance or account provided by the card issuer.
What is a crypto-backed card?
A crypto-backed card allows you to spend using crypto assets without selling them directly.
Depending on the provider, the card may work by:
- Converting crypto to fiat at the time of purchase, or
- Using deposited crypto as collateral
Each provider has its own mechanism. TODEY does not control or process these transactions.
Depending on the provider, the card may work by:
- Converting crypto to fiat at the time of purchase, or
- Using deposited crypto as collateral
Each provider has its own mechanism. TODEY does not control or process these transactions.
Can crypto cards withdraw cash?
Most crypto cards support ATM withdrawals, but:
- Fees may apply
- Limits vary
- Availability depends on your region and provider
Always check the provider’s ATM policy before using the service.
- Fees may apply
- Limits vary
- Availability depends on your region and provider
Always check the provider’s ATM policy before using the service.
Are crypto cards available for all users?
No.
Each provider has its own regional restrictions depending on regulations, card network partnerships, and licensing.
TODEY indicates general availability, but you must confirm your region on the provider’s official site.
Each provider has its own regional restrictions depending on regulations, card network partnerships, and licensing.
TODEY indicates general availability, but you must confirm your region on the provider’s official site.
What is a “Staking tier” or “Upgrade tier”?
Some card programs require holding or staking tokens to unlock higher rewards (like cashback or perks).
Higher tiers usually offer better benefits but may come with:
- Lock-up periods
- Minimum stake requirements
- Token volatility risks
TODEY simply displays the information; decisions should be based on your own risk assessment.
Higher tiers usually offer better benefits but may come with:
- Lock-up periods
- Minimum stake requirements
- Token volatility risks
TODEY simply displays the information; decisions should be based on your own risk assessment.
FEES, LIMITS & REWARDS
What fees do crypto cards have?
Fees may include FX conversion, ATM withdrawals, inactivity charges, monthly service fees, and physical card issuance.
Are cashback rates fixed?
No. Cashback rates can change due to promotions, staking tiers, or issuer policy updates.
What is FX rate?
The FX rate is the currency exchange rate applied when converting between currencies, including crypto-to-fiat or foreign payments. It can affect the final cost of transactions.
What does APR mean?
APR shows the annual rate applied to borrowing features, such as credit or overdrafts, or the interest earned when crypto assets are deposited, depending on the card and issuer.
Do rewards have limits?
Yes. Many cards apply monthly caps or spending limits on cashback rewards.
When are rewards paid?
Rewards may be credited instantly or after settlement, depending on the card issuer. Payouts can be in USDC, ETH, or other tokens, depending on the card provider’s partnerships.
KYC, REGIONS & ELIGIBILITY
What is a NO-KYC crypto card?
A NO-KYC crypto card is a card you can start using without completing full identity verification (KYC) during sign-up.
This usually means you can register with minimal information—often just an email address—without submitting documents like a passport or ID.
This usually means you can register with minimal information—often just an email address—without submitting documents like a passport or ID.
Are NO-KYC cards anonymous?
No. “No-KYC” usually means reduced verification, not full anonymity.
Does KYC affect limits?
Yes. Higher KYC levels often unlock higher spending, withdrawal, and reward limits.
Why are cards region restricted?
Licensing rules and local regulations determine where cards can be offered or used.
Can availability change later?
Yes. Issuers may expand, restrict, or discontinue card availability over time.
How does TODEY show eligibility?
TODEY displays supported countries, restrictions, and eligibility based on issuer disclosures.
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Ask us if you have any questions about our company or services.