Monolith Card vs Rain Card
The short answer
Winner: Rain Card — 7.5/10 versus 6.8/10. It leads on the blend of fees, trust, and community sentiment.
Monolith Card
ID required
Rain Card
Email only
Score
Annual Fee
Free
Free
Monthly Fee
Free
Free
Cashback
0%
1%
ATM Fee
2%
Free
FX Fee
1.75%
Free
Per transaction
$2.4k
$3k
Daily limit
$3k
$5k
Monthly limit
$10k
$20k
KYC
ID
Email
Card type
debit
debit
Custody
non-custodial
non-custodial
Conversion fee
Free
Free
ATM per tx
$100
$200
Network
visa
visa
IBAN
✓
✗
Apple Pay
✓
✓
Google Pay
✗
✓
Countries
16
1
Coins
ETH, USDC, USDT
ETH, USDC
Monolith Card vs Rain Card FAQ
On our composite score Rain Card edges ahead (7.5/10 vs 6.8/10). The right pick still comes down to what you weigh most — fees, privacy, or cashback.