Rain Card vs Jam Card
The short answer
Winner: Rain Card — 7.5/10 versus 6.3/10. It leads on the blend of fees, trust, and community sentiment.
Updated July 2026
Rain Card
Email only
Jam Card
No KYC
Score
Annual fee
Free
Free
Monthly fee
Free
Free
Cashback
1%
0%
ATM fee
Free
Free
FX fee
Free
2.5%
Per transaction
Unlimited
Unlimited
Daily limit
Unlimited
$250k
Monthly limit
Unlimited
Unlimited
KYC
Email only
No KYC
Card type
Debit
Prepaid
Custody
Non-custodial
Non-custodial
Conversion fee
Free
4.2%
ATM per transaction
Unlimited
Unlimited
Network
visa
mastercard
IBAN
✗
✗
Apple Pay
✓
✓
Google Pay
✓
✗
Countries
1
41
Coins
ETH, USDC
USDT
Rain Card vs Jam Card FAQ
On our composite score Rain Card edges ahead (7.5/10 vs 6.3/10). The right pick still comes down to what you weigh most — fees, privacy, or cashback.