1inch Card vs Ripio Card: Full Comparison 2026

Updated2 days ago

Live pricesvia CoinGecko

BTC$78,057▲ 0.18%

ETH$2,289▲ 0.96%

USDT$0.9990▼ 0.05%

USDC$0.9996▼ 0.04%

Verdict

Winner: 1inch Card

1inch Card takes it 4–1. 1inch Card converts cheaper (0.0%); Ripio Card pays more back (Up to 5%); 1inch Card needs less verification.

1inch Card vs Ripio Card: the short version

Comparing 1inch Card with Ripio Card is mostly a geography exercise: the two products are licensed for different markets. Ripio Card charges 0–1.5% per conversion — more than 1inch Card at 0.0% — so heavy users save more with 1inch Card. Ripio Card answers with Up to 5% cashback, though headline rates like this almost always require a staking tier or monthly volume most people never reach. 1inch Card keeps verification light, Ripio Card does not — that alone decides it for privacy-minded users and for anyone who needs a card today. Both settle comfortably from stablecoins, which is the sane way to use either card — spending a volatile coin locks in that day's price and creates a taxable disposal.

Key differences

1inch Card converts at 0.0% against 0–1.5% on Ripio Card — a gap of about 0.75 percentage points, or roughly $7.50 on every $1,000 you spend.
Ripio Card pays Up to 5% back while 1inch Card runs no rewards programme at all.
1inch Card asks for partial verification only, while Ripio Card runs full KYC before the card is issued.
They barely overlap geographically: 1inch Card covers EU, Global and Ripio Card covers LATAM, so in most countries only one of them is actually an option.
1inch Card issues instantly, so you can pay the same day. Ripio Card requires approval or shipping first.
1inch Card is virtual, Ripio Card is virtual/physical — relevant if you need a plastic card for deposits, hotels or car rental.
Spending headroom differs: 1inch Card is rated "Medium", Ripio Card "High".

Side-by-Side Comparison

Specification

1inch Card

Ripio Card

Conversion Fee

0.0%

0–1.5%

Cashback

—

Up to 5%

KYC Required

Partial

Full

Supported Coins

USDC, USDT, DAI

BTC, ETH, USDT, DAI +30

Regions

EU, Global

LATAM

Card Type

Virtual

Virtual/Physical

Instant Issue

Yes

Limits

Medium

High

Category Breakdown

Fees

0.0% vs 0–1.5%

1inch Card

Cashback

Up to 5% vs —

Ripio Card

KYC / Privacy

Partial KYC vs Full KYC

1inch Card

Availability

2 regions vs 1

1inch Card

Which one fits your situation

Everyday spending

Lower conversion cost (0.0%) on every purchase.

1inch Card

Cashback hunters

Up to 5% against —.

Ripio Card

Privacy

Partial KYC versus Full.

1inch Card

Card needed today

Instant issuance, no shipping wait.

1inch Card

Travel

Virtual/Physical card covering LATAM.

Ripio Card

US residents

Only 1inch Card is available in US.

1inch Card

EU residents

Only 1inch Card is available in EU.

1inch Card

High spenders

High limits versus Medium.

Ripio Card

1inch Card vs Ripio Card: FAQ

Which is better, 1inch Card or Ripio Card?

1inch Card. 1inch Card takes it 4–1. 1inch Card converts cheaper (0.0%); Ripio Card pays more back (Up to 5%); 1inch Card needs less verification.

Can I spend USDT or USDC with 1inch Card and Ripio Card?

Both settle from stablecoins (1inch Card: USDC, USDT, DAI; Ripio Card: BTC, ETH, USDT, DAI +30), which avoids locking in a volatile price at the till.

Which coins do 1inch Card and Ripio Card both support?

Both accept USDT, DAI. Beyond that, 1inch Card supports USDC, USDT, DAI and Ripio Card supports BTC, ETH, USDT, DAI +30.

Which has higher spending limits, 1inch Card or Ripio Card?

1inch Card is rated "Medium" and Ripio Card "High". Limits usually rise with verification level and account history.

Is spending 1inch Card or Ripio Card a taxable event?

In most countries yes: paying with either card converts crypto to fiat, which is a disposal. The card you pick does not change that — see our guide on crypto card taxes.