Credit and cashback cards on the shortlist

Two kinds of card share this corner. The first lets you borrow against what you hold, through a loan limit or a pledged-balance arrangement. The second wins readers mainly through cashback delivered in coins or stablecoins.

A card survives the cut only if its figures hold: interest, maximums, which asset pays out, what is pledged and anything hiding behind an «up to» promise.

Borrowing secured by coins may be recalled in a slump, and a payout in a jumpy coin is worth the coin’s price on the day. Write-ups set the conditions out card by card.

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