Some people would just focus on the initial figures between paying 25$ or 100$, of course the initial choice would be the cryptoriya regular crypto card because it cheaper than the luxury card issuance, but they don't realize that in the long run, when they sum up all the transactions they would be doing after getting the card, they will be paying more on fees. So If i were to choose between the two cards, i would rather choose the luxury cards and pay a one time big time 100$ card issuance fee then always get lower fees on different services.