In anticipation of the year-end Christmas shopping season, we have selected the following three major highlight U cards to provide you with smart spending references.
(Complete guide: The top credit cards of 2025! EtherFi full tutorial: 3% cashback across all channels, USDT direct payments, Taiwan real-world testing…)
(Background supplement: Real-world test » Etherfi Card hotel booking with 5% cash back, is it really more cost-effective? ether.fi Travel notes)

Table of contents

• The ultimate comprehensive benefit: Ether.fi Cash Card
• Bybit Card
• Pion Network Card

This year’s Christmas, do you still need to convert crypto into fiat currency, transfer back to the bank, and then withdraw to buy gifts? If you want to avoid such hassle, using a crypto U card for spending is also a convenient option.

This article helps you organize multiple U cards available for use in Taiwan. Which one is the most cost-effective during the year-end shopping season with large discounts? Special promotions? The “Christmas Magic Card” that makes you earn more as you spend?

For the year-end Christmas shopping season, we have selected three top cards based on overall holding costs and holiday promotion strength:

The ultimate comprehensive benefit: Ether.fi Cash Card

• 3% Spending Cashback: Until the end of this year, all spending tiers enjoy 3% cashback, with each transaction earning an equivalent SCR (users can trade anytime).
• Deposit interest increase: The official Liquid “Earn” feature currently offers about 5~6% interest on USD stablecoins, which is still higher than many traditional financial USD deposit rates.
• Convenient payments: Can link with Apple Pay / Google Pay / LINE Pay and other third-party payment methods.

If you haven’t registered yet, please visit the organized tutorial: Ether.fi Card registration complete guide

Bybit Card

• Up to 10% APY cashback: According to VIP level, after using the card, you can earn 2% ~ 10% cashback (the higher the VIP level, the higher the proportion, but the spending limit is not higher than Ether.fi Cash Card).
• Supports mainstream coins: Can directly use BTC, ETH, USDT, USDC, XRP, TON… and other mainstream coins for spending. The card balance can also be staked in Bybit’s flexible earning products to earn interest.

Pion Network Card

• Spending cashback: About 1% USDT cashback on each transaction.
• Stable interest increase: Assets in the card account can automatically earn a 5% savings interest.

In this era where crypto payments are gradually becoming mainstream, choosing the right card is not only an upgrade to your payment tools but also a smart investor should understand how to “spend money beautifully.” Wishing everyone a joyful Christmas shopping experience, and no pain when swiping cards!

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