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Even today, the crypto world is not quite at the point where spending these digital currencies is as easy as using a bank card. However, you can come pretty close to living this dream with a crypto card! In this guide, learn how debit and credit crypto card is a thing that combines the best of both worlds. We also review the current offers in the market to help you find the right credit or debit card you’d never want to give up.
Key Takeaways
- Crypto debit and credit cards link digital assets with everyday spending, and multiple options even offer rewards from 0.5% to 8% cashback in various cryptocurrencies. The best card for you will depend on your preferred cryptocurrencies, geographic location, and whether you prioritize rewards or lower fees.
- When choosing a crypto card, mind if you need Bitcoin-specific features or support for altcoins (Ethereum, XRP, or stablecoins). You might also need to make up your mind whether a Visa or Mastercard network better suits your needs based on global acceptance and benefits. Virtual crypto cards offer immediate use and are good for online spending while physical cards provide wider acceptance for in-person transactions.
- Most legitimate crypto cards, just like bank cards, require KYC verification. Major providers like Coinbase, Crypto.com, and Binance offer different benefits and drawbacks in terms of supported cryptocurrencies and regional availability.
How Crypto Debit Cards Work
The term “crypto card” or “blockchain card” might not be the most clear one because it is not really a card that enables you to spend crypto assets directly. A cryptocard connects to your cryptocurrency wallet rather than a bank account, converting your digital assets to fiat currency at the point of sale. Most crypto bank cards partner with Visa and Mastercard networks, ensuring your crypto wallet debit card works worldwide.
To further answer “what is a crypto card?”, it’s essentially connecting digital assets to traditional payment systems. Some support specific cryptocurrencies, while others support multiple digital currencies. Even DeFi (decentralized finance) debit card solutions are emerging, and some platforms let you pay by credit card with crypto. Digital currency card options continue expanding as providers compete for market share as offers an extensive list of crypto debit cards with varying features, some of which we will cover a bit later.
Learning how to spend cryptocurrency may not be necessary at all with these cards (although, of course, you have to educate yourself). Crypto wallets with debit cards provide convenient access to your digital assets. Many providers offer a cryptocurrency wallet with debit card functionality as a complete package, making the cryptocard experience similar to traditional banking. In other words, crypto currency debit card solutions make digital currency spending nearly identical to using conventional payment methods.
Cards with Rewards in Crypto
One of the main types of cryptocurrency cards offers rewards in digital assets. The account you use with these cards can be topped up with both crypto or fiat currencies but provides cash back and rewards in cryptocurrencies.
Unlike traditional cashback, credit card options with Bitcoin rewards, as the name implies, provide returns in cryptocurrencies. These crypto rewards cards typically offer 0.5% to 8% crypto cashback depending on staking requirements.
But wait until you learn that a credit card can also come with crypto rewards! Such a crypto reward credit card turns everyday purchases into potential investments as your crypto cash back may appreciate over time. Crypto reward credit cards are popular among enthusiasts and newcomers alike for a reason. Credit cards that earn crypto allow passive accumulation of digital assets through routine spending.
Wallet-linked Cards for Spending Crypto
As we have mentioned, some debit cards connect directly to your digital currency wallet. With a wallet Bitcoin card, you maintain control of your assets until purchase. This type of wallet-linked crypto card appeals to those who prefer to combine storage with utility in their Bitcoin card wallet.
Card wallet crypto solutions vary in integration methods. The best crypto wallet with card functionality offers strong security features and supports multiple cryptocurrencies, making crypto wallet with card solutions versatile for diverse portfolios.
Virtual Crypto Cards
Another type, as opposed to a physical card, virtual crypto cards exist only digitally. At the same time, it is pretty much the same as physical cards but for online purchases. Virtual crypto debit cards are also available instantly after approval, allowing immediate cryptocurrency spending.
Many providers offer virtual card crypto solutions while you wait for physical cards. The Crypto.com virtual card exemplifies this approach. Options to buy virtual credit card with crypto or buy virtual credit card with Bitcoin provide additional privacy (although transactions in BTC are not anonymous). Some services let you buy VCC with crypto for one-time use, enhancing security for online transactions.
Bitcoin virtual card technology continues evolving, with increasing integration with mobile payment systems, further extending cryptocurrency virtual card utility.
Are Crypto Credit Cards a Thing?
Yes, crypto credit cards are arguably gaining even more popularity alongside debit options. Unlike debit cards, a crypto credit card provides a line of credit repayable later, often with cryptocurrency.
The best crypto credit cards combine traditional credit benefits with cryptocurrency perks. Unlike a Bitcoin wallet-linked debit card, a cryptocurrency credit card typically extends a fiat credit line while offering Bitcoin rewards.
For example, credit card Bitcoin products allow earning Bitcoin credit without spending existing holdings. The best Bitcoin credit card options offer competitive rewards rates and additional perks. Credit card crypto offerings usually earn points convertible to various cryptocurrencies, with enhanced rewards for specific categories.
Bitcoin credit cards vary from secured cards backed by digital assets to unsecured credit products. The Bitcoin creditcard market is evolving as traditional institutions recognize demand for crypto integration.
BTC credit options allow earning rewards directly in Bitcoin. A BTC credit card functions similarly to traditional cards but with cryptocurrency benefits. For one, some Bitcoins credit card products offer introductory 0% APR periods. When shopping for credit crypto products, consider interest rates, annual fees, and whether you can pay balances with cryptocurrency holdings.
Crypto exchange credit card partnerships, the most common type of crypto-backed cards, are increasing, allowing direct integration with trading platforms. Digital currency credit card solutions continue evolving to meet consumer demand for seamless crypto integration.
Card Choice Checklist
What to look for when choosing a crypto spending card? Aside from the usual stuff like fees and limits, there are a couple of elephants in the room to address.
Bitcoin Card or Altcoins?
Do you want a Bitcoin debit card specifically or one with support for multiple cryptocurrencies?
A dedicated BTC card might be preferable if Bitcoin is your primary holding or you prefer not to sweat over too many details. In any case, Bitcoin debit cards offer varying rewards and features. The best Bitcoin debit card for you depends on geographic availability and spending habits. Free Bitcoin debit card options typically offer fewer perks but obviously come with lower costs.
For travelers, Bitcoin ATM cards allow for a very useful perk of international withdrawals. Many a Bitcoin wallet with debit card solutions provide worldwide ATM access. For style-conscious users, a Bitcoin metal card offers premium aesthetics and durability.
For diverse holdings, on the other hand, consider a prepaid crypto card supporting various cryptocurrencies. Bitcoin to debit card conversion rates may differ from altcoin conversions. Prepaid crypto debit card options let you prioritize which cryptocurrencies to spend first.
Understanding how to spend Ethereum and other altcoins is straightforward with multi-currency cards. XRP holders can find XRP-specific credit or debit card options. In any case, most providers will connect your bank account with a crypto debit card managing multiple cryptocurrencies. Budget-conscious users might prefer BTC debit card options with minimal fees over extensive cryptocurrency support. Conversely, a Bitcoin prepaid card might be better for controlled spending.
Visa or Mastercard?
Cryptocurrency card or not, the payment network significantly impacts usability and benefits. And even if you opt for a blockchain card, your choices are still largely limited to either Visa or Mastercard.
Visa crypto cards are widely accepted globally where Visa is supported and the card provider operates. A crypto Visa card typically offers broader international acceptance than direct cryptocurrency payments and integrates with Visa’s payment network, enabling Bitcoin and other crypto assets to be spent seamlessly after conversion to fiat. Bitcoin Visa card options, mostly debit cards, come with various benefits, with premium tiers offering enhanced perks like higher cashback, lounge access, and subscription rebates, though true Visa Bitcoin credit cards with premium perks are limited and largely discontinued.
Cryptocurrency Visa card options typically work anywhere traditional Visa is accepted. The Visa cryptocurrency network ensures wide acceptance for everyday transactions.
Mastercard crypto offerings, on the other hand, provide alternatives with potential advantages in exchange rates through Mastercard blockchain initiatives. Some users report Mastercard for crypto deposits has more favorable fee structures.
When choosing between crypto Visa or crypto Mastercard, consider geographic coverage, currency conversion rates, and additional benefits. Some prefer to buy Mastercard with crypto directly, while others prefer the visa crypto card ecosystem. Check whether your Bitcoin card Visa has foreign transaction fees. At the end of the day, although the choice can be a hassle, the Mastercard cryptocurrency and Visa Bitcoin competition benefits consumers through expanded offerings.
The Best Crypto Card Offers in the Market in 2025
Obviously, there is no single best crypto debit card for everyone: it largely depends on your needs and location, and this is just scratching the surface. Nevertheless, the market leaders are deserving top contenders for the best crypto cards and best crypto wallet with debit card integration.
Coinbase Card
The Coinbase debit (credit card not available) card remains accessible for crypto enthusiasts with Coinbase accounts in supported regions, particularly existing users. Recent Coinbase card reviews highlight a mix of praise and critique for its rewards.
Key Features:
- The Coinbase crypto card offers variable cashback up to 4%, depending on the chosen cryptocurrency.
- No annual fee.
- Seamless integration with the Coinbase ecosystem: e.g., exchange and wallet.
- Virtual card available immediately upon approval.
Limitations:
- Coinbase debit card limits include a daily purchase limit, such as $2,500 for some U.S. users, though this varies by individual.
- Coinbase card ATM withdrawal limit of $1,000 daily in the U.S.
- Coinbase’s personalized spending limits may affect heavy users.
- Daily ATM and spending limit policies apply to transactions.
The Coinbase card benefits now include enhanced security and rotating rewards. The Coinbase Visa card shows strong international acceptance with no foreign transaction fees in the U.S., though crypto conversion fees persist. Coinbase debit card rewards provide an attractive way to earn cryptocurrency on everyday purchases.
Bybit Card
The Bybit Card is a relatively newer entrant to the crypto card market, launched in 2023, and is gaining popularity particularly among active traders on the Bybit platform.
Key Features:
- Seamless integration with Bybit exchange accounts
- Competitive conversion rates (0.9% crypto conversion fee, 0.5% foreign exchange fee)
- No annual fees (virtual card free, physical card has a 5 EUR/GBP/USDT issuance fee)
- Support for multiple cryptocurrencies (BTC, ETH, XRP, USDT, USDC, TON)
Considerations:
- More limited global availability than established competitors, restricted to select regions like the EEA, Australia, and parts of Latin America
- Tiered rewards based on trading volume and account balance, offering up to 10% cashback for higher VIP levels
Bitpay Card
The BitPay Debit Card offers simplicity and reliability, appealing for its ease of use despite lacking robust rewards compared to competitors.
Key Features:
- No cryptocurrency staking requirements
- Multiple cryptocurrency funding options
- Competitive conversion rates for U.S. transactions, though network fees apply
- Established reputation
Crypto.com Card
The Crypto.com card is widely regarded as one of the top crypto Visa card options, especially for CRO token stakers.
Key Features:
- Tiered rewards based on CRO staking
- Premium metal cards for higher tiers
- Airport lounge access for premium tiers
Considerations:
- Crypto.com debit card purchase limits depend on available balance and compliance, with fewer restrictions at higher tiers
- Crypto.com card inactivity fee of $4.95 applies after 12 months
- Crypto.com ATM withdrawal limit policies vary by tier
- Crypto.com ATM access includes fees after monthly limits
Gemini Credit Card
The Gemini Credit Card targets those seeking a true credit product with handsome rewards in the cryptocurrency space.
Key Features:
- The Gemini Mastercard offers 4% back on gas and EV charging (up to $200 monthly, then 1%), 3% back on dining, 2% on groceries, and 1% on all other purchases.
- No annual fee.
- True credit product.
- Gemini Credit Card rewards deposit directly to your account in real-time. (Note: Gemini does not offer a debit card option; the credit card is its sole card product.)
Uphold Card
Similarly to most of its competitors, the Uphold Debit Card provides useful features tailored for Uphold exchange users.
Key Features:
- Supports spending from 60+ cryptocurrencies and 27 fiat currencies held in Uphold accounts, converted to USD for transactions
- Offers competitive spreads for crypto-to-fiat conversions
- Seamless integration with Uphold accounts
Considerations:
- Check Uphold’s conversion spread for XRP before spending, as no direct loading fees apply
- Geographic availability remains more limited
Separately, for businesses seeking custom solutions, white-label crypto debit card programs from various providers allow branding your own card offering.
Binance Card
Although once insanely popular, the Binance debit card has ceased operations in major regions like the EEA (European Economic Area), Latin America, and the Middle East as of December 2023, with no recent global expansion, making its availability far more limited than competitors’ offerings.
Key Features:
- Competitive Binance card cashback rates based on BNB holdings, ranging from 0.1% to 8%.
- Real-time conversion of multiple cryptocurrencies into fiat at the point of sale.
- No annual fees for standard tiers, though transaction fees applied.
Availability:
The Binance Visa Card was once available in over 30 EEA countries and select other regions but has been discontinued in most markets. It never launched in key markets like the U.S. or UK. For those wondering ‘does Binance have a debit card in my region?‘The service is likely unavailable as of March 31, 2025, though users can check Binance’s official support channels for any remaining active regions.
Conclusion
When selecting the best crypto wallet with debit card integration, consider your typical transaction patterns, preferred cryptocurrencies, and whether you value higher rewards or lower fees. Each of these offerings represents a strong option depending on your specific needs.
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Frequently Asked Questions About Crypto Cards
Can you get an anonymous crypto debit card?
The concept of an anonymous crypto debit card is appealing, and while some options exist, most legitimate providers require KYC verification. True anonymous Bitcoin debit card options are limited in 2025 due to regulatory pressures. No-KYC crypto debit card offerings often operate in regulatory gray areas, typically facing drawbacks like higher fees, security risks, and limited recourse. Some no-KYC crypto virtual card services are available in jurisdictions with looser requirements, but these options generally come with limitations such as lower transaction caps or restricted acceptance.
Which crypto cards work in Australia?
Several crypto card options are available in Australia:
- Crypto.com - Full service with AUD support
- Binance Card - Previously available throughout Australia, now with limited AUD funding options since June 2023
- CoinJar Card - Australia-based with local support
When choosing a crypto debit card service in Australia, consider local support and AUD conversion rates to ensure seamless use and cost efficiency.
Which crypto cards work in the UK?
The UK market offers several crypto debit card options:
- Crypto.com: A comprehensive Visa card service with GBP funding via Faster Payments and full regulatory compliance.
- Wirex: A UK-based Visa card provider with strong local presence and GBP support, regulated as an Electronic Money Institution.
- Nexo Card: A Mastercard-backed card available to UK residents, supporting GBP transactions and adhering to regulations.
These crypto debit cards provide GBP support and comply with UK financial regulations.
Which crypto cards work in the USA?
Available crypto debit card USA options include:
- Coinbase Card - Available in most states except Hawaii,
- BitPay Card - Strong US presence across all 50 states (applications currently paused),
- Gemini Credit Card - A true credit product available nationwide.
The Bitcoin debit card USA market varies slightly by state due to issuer-specific availability. Crypto credit card USA options have stabilized rather than grown significantly in recent years.
Which crypto card works in Canada?
Canadian residents can access the following prepaid debit cards:
- Shakepay Card - Canada-specific, supports CAD spending, available nationwide with 1% Bitcoin cashback.
- Crypto.com Visa Card - Available throughout Canada, converts over 90 cryptocurrencies to CAD, offers up to 5% CRO cashback based on tier.
- NetCoins Pay Card- Offered by a Canadian exchange, supports CAD spending with 1% Bitcoin cashback, available in most provinces but not Quebec.
Which card lets you spend Ethereum?
Several card options support spending with Ethereum (ETH):
- Coinbase Card A Visa debit card that lets you spend ETH directly from your Coinbase holdings, converting it to USD at the point of sale with a 2.49% fee.
- Crypto.com Visa Card A prepaid debit card that supports ETH as a funding source, converting it to fiat for spending, with rewards in CRO.
- BitPay Card A Mastercard debit card that enables ETH spending by converting it to USD, though new applications are currently paused.
These cards convert ETH to fiat at or before the point of sale, making it easy to spend Ethereum where Visa or Mastercard is accepted. Learning how to use them is generally straightforward after setup. For a credit card option, the Gemini Credit Card offers rewards in ETH (up to 4% on select categories), but it doesn’t allow direct ETH spending—it’s a traditional credit product earning crypto rewards.
Which crypto card lets you spend Litecoin?
Litecoin holders can use these Litecoin card options:
- BitPay Card - Direct LTC support
- Coinbase Card - Spend from LTC holdings
- Crypto.com - LTC can be converted to supported currencies for funding
Which card lets you spend XRP?
XRP users have several options:
- Wirex - Strong XRP support through its Visa and Mastercard offerings.
- Uphold - XRP-friendly with no foreign transaction fees and cashback rewards.
Mastercard’s partnerships with crypto platforms, including Ripple for CBDCs, continue to develop, indirectly expanding XRP spending options through providers like Wirex and Uphold using Mastercard’s network, enhancing the availability of XRP-compatible cards.
Which card lets you spend USDT?
Tether (USDT) is widely supported by several debit card options:
- Crypto.com Visa Card - Supports direct USDT funding for spending.
- Wirex Visa Card - Offers competitive rates for USDT transactions.
- Binance Visa Card - Features strong USDT integration with low fees.
These prepaid debit cards allow stablecoin spending without volatility concerns by converting USDT to fiat at the point of sale. While credit card options are limited, some platforms like Nexo offer credit lines against USDT collateral, though most offerings remain debit-based.
Does Nexo have a crypto card?
Yes, the Nexo Card functions as both a credit and debit product, allowing users to borrow against their crypto holdings instead of selling them and earn cashback of up to 2% in NEXO tokens or 0.5% in Bitcoin, depending on their loyalty tier. By avoiding direct cryptocurrency sales in Credit Mode, this approach may offer tax advantages in some jurisdictions by preventing taxable disposal events, though outcomes depend on local tax laws.
