Tarjetas cripto · Metodología de puntuaciónTested17 MAY 26
Cómo puntuamos crypto cards
Cada crypto cards que reseñamos se puntúa con los mismos 5 pilares y los pesos de abajo. La puntuación total es una media ponderada, la misma matemática que aplicamos a todos los silos.
Por Skrumble EditorialÚltima revisión Re-probado every 6 months, sooner if a provider revises a published reward tier
Cashback Value
30% peso- Effective cashback after staking requirements modelled
- Quality of the rewards token (liquidity, lockup terms)
- Category restrictions (excluded merchant types)
- Loyalty tier requirements
Fees & Limits
25% peso- Monthly account fee at standard tier
- FX fee on non-card-currency purchases
- Free ATM withdrawal limit / month
- Top-up / load fees
Coin Spend Coverage
20% peso- Number of cryptocurrencies spendable from card balance
- Stablecoin support (USDC, USDT)
- Auto-conversion mechanism (real-time vs deferred)
- Crypto-to-fiat conversion fee at point of sale
Geographic Availability
15% peso- Number of supported countries / regions
- Local currency issuance options
- Failed-application rate in test runs
- Regulatory licensing in primary markets
Trust & Stability
10% peso- Issuer regulatory status
- Rewards-program changes over the past 24 months
- Outages and freezes (historical)
- Customer support response on a real ticket
— Cómo probamos —
We apply for each card from a real address in the test region, spend $200 across a basket of categories (grocery, fuel, online subscription, in-person retail), and record the actual rewards credited to the account. Headline cashback numbers are converted to the real-yield after staking requirements, FX fees, and ATM caps. Failed applications and KYC rejections are counted in the geographic-availability score.
— Cómo se calcula la puntuación total —
overall = cashback_value * 0.30
+ fees_limits * 0.25
+ coin_spend_coverage * 0.20
+ geographic_availability * 0.15
+ trust_stability * 0.10El resultado se redondea a un decimal. Usamos una escala 0-5 porque el ojo humano lee "4,2/5" con más precisión que "8,4/10" o "84/100".