Best crypto cards
Cards for everyday spending in crypto. Ranked by our scoring across security, fees, features and support.
Bybit Card
The Bybit Card is a Mastercard debit product that spends your Bybit exchange balances directly at checkout, with no core account fees and BTC or USDT cashback. This Bybit Card review finds it a strong fit for existing Bybit users in supported regions, though geographic limits and conversion costs temper the appeal. Not financial advice.
- No monthly, annual or issuance fee on the standard virtual and physical Mastercard
- Up to 10% cashback in BTC or USDT on eligible spend, tiered by referrals and activity
- Instant virtual card that provisions to Apple Pay and Google Pay in minutes
- Availability is limited mainly to the EEA, UK and a handful of regions, not the U.S.
- A 0.9% crypto-to-fiat conversion fee and ATM charges above the free monthly limit add up
Bitget Card
The Bitget Card is a Mastercard-linked card that lets you spend crypto held on the Bitget exchange without cashing out first. This Bitget Card review finds a fast, low-cost option for existing Bitget users in supported regions, though per-transaction conversion fees and limited geographic coverage hold it back. Not financial advice.
- Virtual Mastercard issues in minutes and provisions to Apple Pay and Google Pay
- No monthly or annual maintenance fee on the standard card tier
- Auto-converts USDT, USDC and other Bitget balances to fiat at checkout
- Availability is limited to select regions and excludes U.S. residents
- A crypto-to-fiat conversion spread applies on every purchase, so swiping is never truly free
Coinbase Card
The Coinbase Card is a fee-light Visa debit card that lets you spend your Coinbase balance and earn up to 4% back in crypto. It is a strong pick for people already inside the Coinbase ecosystem, but the tax friction of spending crypto and the 2.49% liquidation fee mean it works best when funded with USDC. Not financial advice.
- No annual fee, no sign-up fee, and no monthly maintenance charge
- Earn up to 4% back in crypto rewards (including in assets like Bitcoin, XLM, or Solana)
- Works anywhere Visa is accepted, with instant Apple Pay and Google Pay provisioning
- Spending non-stablecoin crypto is a taxable disposal in the US, creating reporting overhead
- A 2.49% crypto liquidation fee applies when you pay with a crypto balance rather than USDC or cash
Gnosis Pay
Gnosis Pay is one of the few crypto cards that keeps funds in a self-custodial Safe wallet instead of a company account, pairing a real IBAN with GNO cashback. This Gnosis Pay review finds it a strong pick for self-custody-minded spenders in supported regions, though geographic limits and stablecoin reliance are honest trade-offs. Not financial advice.
- Genuinely self-custodial: spending settles from a Safe smart-account wallet you control, not a custodial exchange balance
- Ships with a real IBAN via Monerium, so you can receive SEPA transfers that auto-convert into the EURe stablecoin
- Runs on Gnosis Chain, so on-chain top-ups and settlement cost a negligible amount of gas per transaction
- Availability is limited mainly to the EEA and UK, with mandatory KYC through the onboarding partner
- Top cashback tiers require locking up meaningful GNO, exposing you to that token's price swings
Holyheld
Holyheld is a self-custodial Visa card that lets you spend crypto straight from your own wallet across several networks without handing custody to a third party. This Holyheld review finds it one of the more genuinely non-custodial cards available in the EEA, though regional limits and on-chain friction hold it back for some users. Not financial advice.
- Fully self-custodial: you spend from your own wallet and keep your keys, unlike custodial cards that hold your funds
- Multi-chain support across Ethereum, Polygon, Arbitrum, Optimism and Base, so you spend tokens where they already live
- Instant virtual Visa that drops into Apple Pay and Google Pay right after KYC, plus an optional physical card
- Availability is limited to the EEA, so it is not open to U.S. residents and many other regions
- On-chain top-ups mean network gas costs and swap slippage can add friction that custodial cards avoid
Nexo Card
The Nexo Card is a Mastercard that switches between a crypto-backed credit line and a straightforward debit balance, making it one of the more flexible options in this space. This Nexo Card review finds real value for existing Nexo borrowers, though liquidation risk and tier-gated perks temper the appeal. Not financial advice.
- Dual Credit and Debit modes let you either borrow against crypto or spend from a fiat balance on one physical Mastercard
- Credit mode borrows against collateral so you spend without triggering a taxable sale in many jurisdictions
- Up to 2% back in crypto rewards, paid in NEXO tokens or BTC depending on your loyalty tier
- Credit mode carries liquidation risk if your collateral value drops below the loan-to-value threshold
- The best rewards and lowest borrow rates require holding a large share of your portfolio in NEXO tokens
Plutus Card
Plutus Card is a reward-focused crypto debit card that pays cashback in its native PLU token and reimburses everyday subscriptions through Perks. It suits disciplined spenders who value non-custodial funding and can stomach token volatility, but the staking requirements and PLU price risk keep Plutus Card from a top score.
- Up to 8% rewards paid in PLU tokens when you stake and hold a higher tier
- Non-custodial funding model: you top up from your own wallet rather than a locked exchange balance
- Virtual and physical Visa cards work at any contactless merchant, plus Apple Pay and Google Pay
- Rewards are paid in the volatile PLU token, so real-world value can swing sharply
- Higher reward tiers require staking large amounts of PLU, tying up capital
Bitpanda Card
The Bitpanda Card is a Visa debit card that lets you spend any asset in your Bitpanda portfolio, from Bitcoin to gold to stocks, converting to euros at checkout. This Bitpanda Card review finds it flexible and well integrated for existing Bitpanda users in Europe, though the 2% spend fee and regional limits hold it back from a top score. Not financial advice.
- Lets you pick which asset funds each swipe, spending crypto, stablecoins, precious metals or even stock and ETF positions
- Visa Debit works anywhere Visa is accepted and links to Apple Pay and Google Pay
- No monthly or annual account fee on the standard card, and a virtual card issues instantly
- A 2% transaction fee applies each time you spend crypto or metals, which adds up on everyday purchases
- Availability is limited to eligible European countries, so it is not open to U.S. or many global users
Crypto.com Visa Card
The Crypto.com Visa Card is a prepaid metal-and-plastic card that pays crypto cashback in CRO, with rewards scaling to how much CRO you stake. This Crypto.com Visa Card review finds it appealing for existing CRO holders, but the staking requirements and repeated benefit cuts temper the value for everyone else. Not financial advice.
- Prepaid Visa with wide acceptance and no monthly or annual fee across all card tiers
- Crypto cashback from 1% up to 5% on higher tiers, paid instantly in CRO on eligible spend
- Works with Apple Pay and Google Pay, plus a virtual card for instant online use
- Premium tiers demand large CRO stakes locked for 180 days, exposing you to token price swings
- Cashback rates and streaming rebates have been cut repeatedly since the cards launched
Wirex
Wirex is a veteran crypto card and multi-currency app that lets you spend crypto in daily life while earning WXT Cryptoback rewards. The rewards read well on paper, but the top rates hinge on staking WXT and weekend or over-allowance conversions chip away at value. For casual holders who want low-friction spending, Wirex remains a practical, well-established pick. Not financial advice.
- Cryptoback rewards of up to 8% paid in WXT on eligible card spending
- Multi-currency account holds dozens of cryptocurrencies and stablecoins alongside fiat
- No monthly fee on the entry tier, plus a free crypto-to-fiat conversion allowance each month
- The headline 8% Cryptoback rate requires staking large amounts of WXT, locking up capital
- Exchange markups and out-of-allowance fees apply above the free cap and typically on weekends