Tung. 😉
If you're from Albania, here are 13 crypto cards that will accept your registration.
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USD
Apple Pay
up to 3%
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USD
Apple Pay
up to 4%
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USD
Apple Pay
up to 6%
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USD
Apple Pay
up to 5%
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USD
No Apple Pay
up to 1%
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USD
Apple Pay
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USD
Apple Pay
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USD
Apple Pay
up to 5%
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USD
Apple Pay
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EUR
Apple Pay
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USD
No Apple Pay
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USD
Apple Pay
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EUR
No Apple Pay
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How Much Is the Foreign Exchange Fee to Use These Cards in Albania?
Since these cards are denominated in USD or EUR, every time you spend in Albania, your payment needs to be converted into Albanian Lek first. Your card will charge an FX fee when converting to ALL.
Here's how they compare when it comes to foreign exchange (FX) fees.
* Visa and Mastercard charge around ~1% on top of the card's FX fee.
Example: Plasma One charges 1% foreign exchange fee. On a 800 Leks purchase, you pay 800 L + 8 L foreign exchange fee + 8 L Visa foreign exchange fee = 816 L.
When a payment terminal asks, choose the local currency, Leks. This lets your crypto card handle the exchange rate, so you can be sure of the exact percentage you will pay. If you choose USD, the local POS terminal bank does the conversion instead, often at a worse rate. In some countries, that markup can reach 8%.
Which Crypto Cards offer Physical cards for Albania?
Here are all the crypto cards that offer a physical card in Albania:
Here are all crypto cards that support Albania but DO NOT offer a physical card:
How Much Cashback Do These Crypto Cards Pay?
Out of the 13 crypto cards available in Albania, 6 offer cashback.
The highest advertised cashback % is usually not what you get on the free tier. You may need to pay a monthly fee or stake a large amount of tokens to unlock it.
Below you will see the entry-level cashback rate instead: what you can earn on the Free tier.
Kolo
5%
free tier
2 050 L
monthly cap reached
capped at 8 240 L a month
same on every tier
When you use the Kolo Card, you can earn 1–5% Bitcoin cashback on your purchases. Simply spend with your Kolo card and the cashback will be credited to your BTC balance, usually within about five days after the transaction.
When you first sign up, you will receive 5% cashback on all your card transactions. The cashback percentage will change after your first month:
| Kolo Account Age | Cashback Rate | Max Cashback per Purchase | Max Cashback per Month |
| 1st Month | 5% | $5 | $100 |
| After First Month | 1% | $1 | $100 |
If you continue holding your cashback in BTC, the value of the rewards may increase over time if Bitcoin appreciates.
To create a new card, you’ll need to deposit 10 USDC. This isn’t a fee — the full amount is yours to spend, so the card is essentially free to open.
Ether.fi
3%
free tier
1 230 L
monthly cap reached
capped at 4 944 L a month
3% on first 164 805 L, then 0.5%
same on every tier
Ether.fi offers up to 3% cashback for USD transactions, and up to 2% for EUR card transactions. Your cashback rate decreases as your monthly spending increases, and the maximum cashback is capped, depending on your tier.
You can earn membership points by staking assets, holding funds in Liquid Vaults, and spending with the ether.fi Cash card. Earning more points each month qualifies you for higher membership tiers.
Cashback for Card Transactions in USD
| Monthly Spend | Core | Luxe | Pinnacle |
| first $2,000 | 3%
($60 cap) |
3%
($60 cap) |
3%
($60 cap) |
| next $1,000 | 1%
($70 cap) |
3%
($90 cap) |
3%
($90 cap) |
| $3,000+ | 0.5%
($1000 cap) |
0.5% - 3%
($1000 cap) |
0.5% - 3%
($1000 cap) |
If you spend $3,000 per month, you would earn $70-$90 in cashback - which gives you a good feel on how much monthly value you can get with this card.
The maximum cashback rewards you can earn is limited to $1,000 USD per month.
Reality CheckSome other crypto cards advertise higher cashback %, but you may end up earning less because their monthly cashback caps are much lower. When compared at the entry-level tier, Ether.fi Card's 3% cashback offers similar value comparing to competitors:
| Ether.fi Card | Industry Average1 | |
| Entry Level Cashback | 3% | 1% |
| Entry Level Cashback Monthly Cap | 60 USD | 55 USD |
Here are Ether.fi's membership levels, pricing and benefits for each plan. Pick the one that makes sense for your budget and the perks you actually care about.
 Core Tier |
 Luxe Tier |
 Pinnacle Tier |
 VIP Tier Invite-Only |
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| Price | $0 | 10,000 Points (earned on ~$3,300 spend) or 15,000 $ETHFI staked (~ $6,253 to stake) |
50,000 Points (earned on ~$16,600 spend) or 100,000 $ETHFI staked (~ $41,684 to stake) |
Confidential |
| Cashback | 3% on $2,000, then 0.5%-1% ($1,000 cap) |
3% on $10,000, then 0.5%-1% ($1,000 cap) |
3% on $50,000, then 0.5%-1% ($1,000 cap) |
Confidential |
| Daily Spend Limit | Unlimited | Unlimited | Unlimited | Unlimited |
| Invite-Only Events | - | - | ||
| Personal Concierge | - | - |
You earn 3,000 points for every $1,000 you spend using your Ether.fi Cash card. You can also earn points by staking, depositing into Liquid, or holding ETHFI. Points reset every month, so your membership tier will fluctuate with time.
Plasma One
2%
free tier
820 L
no monthly cap
2% on first 41 201 L, then 0.1%
up to 4%
staking required
Plasma One offers 2%-4% cashback on all eligible purchases, depending on the tier.
Your cashback is calculated in USD and paid out weekly in XPL tokens. After the payout, you can convert your XPL rewards to cash whenever you want.
Reality Check While Plasma One Card promotes up to 4% cashback, if you're an entry-level user, you'll qualify for 2% cashback.
Are other cards more generous at base tier? No, they are not. In fact, Plasma One Card has no cashback cap at all - that's significantly better than the industry average:
| Plasma One Card | Industry Average1 | |
| Entry Level Cashback | 2% | 1% |
| Entry Level Cashback Monthly Cap | Unlimited | 55 USD |
In addition, Plasma One offers nice perks, like boosted cashback for some purchase categories. For example, 10% cashback on AI-related spend.
Here are Plasma One's membership levels, pricing and benefits for each plan. Pick the one that makes sense for your budget and the perks you actually care about.
 Lite Tier |
 Core Tier |
 Platinum Tier |
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| Price | $0 | $10/month ($120 yearly) or 20,000 $XPL staked (~ $1,689 to stake) |
100,000 $XPL staked (~ $8,444 to stake) |
| Cashback | 2% on $500, then 0.1% (no cap) |
3% on $1,000, then 0.25%-2% (no cap) |
4% on $1,000, then 1%-3% (no cap) |
| AI Cashback | - | 5% on $250, then 1%-4% (no cap) |
10% on $500, then 1%-5% (no cap) |
| Airlines Cashback | - | - | 10% ($50 cap) |
| FX Fee | 1% | 0.5% | 0% |
| Airport Lounge Access | - | ||
| Global eSIM | - |
Lava
1%
free tier
410 L
no monthly cap
up to 5%
Lava Card offers up to 5% back in Bitcoin every time you spend, but realistically, most users will earn 1-3% cashback, depending on where they live. The full 5% BTC rewards apply when you spend with Lava merchant partners only.
| Eligibility | Cashback |
| User anywhere in the world, at selected Lava merchant partners | 5% |
| User in United States | 3% |
| User outside of United States | 1% |
Rewards are paid in Bitcoin (BTC) after your transaction settles, and you can track them inside the Lava app.
Xapo
1%
free tier
410 L
monthly cap reached
capped at 247 207 L a month
same on every tier
Xapo Card offers 0.2% - 1% cashback, paid in Bitcoin (BTC).
Your cashback is calculated based on the purchase amount in USD, then converted into Bitcoin and credited to your BTC balance. Rewards are paid automatically on the 5th of each month, once transactions have settled.
The cashback rate depends on where the merchant is located and which card you have:
| Merchant Location | Card Type | Cashback |
| EU Countries | Any Card | 0.2% |
| Outside Europe | Plastic of Virtual Card | 0.5% |
| Outside Europe | Metal Card | 1% |
There is no monthly cashback cap, which is rare among crypto cards. The only limit is the $300,000 monthly spend limit, meaning you could earn up to $3,000 cashback per month at 1%.
Reality CheckSome other crypto cards advertise higher cashback %, but you may end up earning less because their monthly cashback caps are much lower. When compared at the entry-level tier, Xapo Card's 1% cashback offers more value:
| Xapo Card | Industry Average1 | |
| Entry Level Cashback | 1% | 1% |
| Entry Level Cashback Monthly Cap | 3,000 USD | 55 USD |
In addition, your Xapo Card includes 1 free airport lounge visit per year. After that, each visit costs $35 per person (guests also $35).
Tria
1.5%
free tier
287 L
no monthly cap
1.5% on first 8 240 L, then 0.5%
up to 6%
Tria Card offers 1.5% - 6% cashback. Rewards are not paid as immediate cash and are scheduled to be distributed after the Token Generation Event (TGE).
Reality Check While Tria Card promotes up to 6% cashback, if you're an entry-level user, you'll qualify for 1.5% cashback.
Are other cards more generous at base tier? No, they are not. In fact, Tria Card has no cashback cap at all - that's significantly better than the industry average:
| Tria Card | Industry Average1 | |
| Entry Level Cashback | 1.5% | 1% |
| Entry Level Cashback Monthly Cap | Unlimited | 55 USD |
You also earn XP points every time you use the card. The amount of XP depends on how much you spend in USD and your account multiplier, so higher tiers earn faster. You can earn XP from card spending, referrals, trading, Earn vaults, daily check-ins, onboarding actions, etc.
XP Points help you unlock higher levels, better multipliers, seasonal rewards, and other Tria perks.
With all the cashback, XP points, rewards, and perks, Tria makes it feel like you are playing a fun game. You will keep you coming back, for sure:)
Here are Tria's membership levels, pricing and benefits for each plan. Pick the one that makes sense for your budget and the perks you actually care about.
 Virtual Tier |
 Signature Tier |
 Premium Tier |
|
| Price | $2/month ($25 yearly) |
$9/month ($109 yearly) |
$21/month ($250 yearly) |
| Cashback in USD | 1.5% on $100, then 0.5% (no cap) |
4.5% on $1,000, then 1% (no cap) |
6% on $2,000, then 1% (no cap) |
| Rewards in Tria Points | 1 Point per $1 (no cap) |
1.5 Points per $1 (no cap) |
1.5 Points per $1 (no cap) |
| Boosted Yield on Earn | - |
Tria Points don’t have a fixed cash value, but they unlock Mystery Boxes with cashback, travel credits, USDT, perks, or equity draws.
Cashback is paid on the amount you spend, and most cards limit how much you can earn. Some publish a monthly cap, and the figure above stops there. Others advertise a rate that only applies to the first slice of your monthly spend, then drop to a much lower ongoing rate - that drop is applied above too. Either way, a headline rate on its own tells you very little.
Here are all crypto cards that support Albania but DO NOT offer cashback:
FOR ALBANIA READERS
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