10 Best Crypto Debit/Credit Card with Bitcoin Reward (Oct 2022)

Crypto Credit Card or Debit Card is a virtual or plastic card that allows the user to spend cryptocurrencies without exposing the sensitive details of their wallet. Today, numerous banks and exchanges offer crypto credit cards and debit cards.

Some of these crypto cards also allow you to earn interest on Crypto held in your account. You can convert Crypto to fiat and withdraw Crypto in the form of fiat at ATMs. It also enables you to pay for goods and services at merchant stores where Visa and MasterCard are accepted.

Following is a handpicked list of Top Debit/Credit Card with Bitcoin Reward with their popular features, pros and cons, key statistics, and website links. The list contains open-source (free) and commercial (paid) software.

Best Bitcoin Debit/Credit Card

Name	Crypto Currencies Supported	Rewards	Fees	Account minimum	Card Type	Supported Countries	Links
Crypto.com	Bitcoin, Litecoin, Ether, Ripple, PAX, TUSD, EOS, and XLM	Up to 8% cashback	No annual fee	$0 – $400,000	Visa Card	Anywhere Visa is accepted	Learn More
Coinbase	Bitcoin, Ethereum, and Litecoin	4% cashback	2.49% – as cryptocurrency liquidation fees	No account minimum.	Visa Card	Anywhere Visa is accepted	Learn More
BlockFi	Bitcoin, Ether, Litecoin, etc.	1.5% cashback in Bitcoin purchases	$0 annual fee and $0 foreign transaction fees.	No minimum account balance needed	Visa and Master card	Anywhere Visa Card is accepted.	Learn More
Nexo	Bitcoin, Ethereum, Ripple, and 14 other digital assets.	2% cashback across the board	There are no annual or monthly fees and no application fees.	There is no minimum account balance required.	Visa and Master card	Accepted worldwide by over 40 million merchants.	Learn More
Binance	Binance Coin	8% cashback	Up to a 0.9% transaction fee	Up to a 0.9% transaction fee for transactions and ATM withdrawals	Visa Card	Austria, Belgium, Bulgaria, Croatia, Republic of Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany,etc.	Learn More

1) Crypto.com

Reason Chosen: Crypto.com Visa Card offers flexible top-ups using crypto.

Crypto.com offers seven metal Visa debit cards that you can use to spend over 90 cryptocurrencies and 20+ fiat currencies anywhere when Visa card is accepted. It also offers discounts on cash withdrawals from ATMs

Features:

• Enables free ATM withdrawals up to $1,000 depending on the Card.
• Supports 55 different cryptocurrencies
• High-quality premium metal cards
• Offers discounts on cash withdrawals from ATMs

Pros	Cons
Supports over 90 cryptocurrencies	You must purchase Crypto.com’s CRO tokens
Does not have any issuance or monthly fees.	Crypto.com is one of the best rewards cards that require you to “stake” funds.
Get up to 100% back on Spotify, Netflix, and Amazon Prime with card versions.
Offers Airport lounge access benefits available

Key Statistics:

• Reason Chosen: Up to 100% back on popular streaming services and up to 8% back on regular purchases.
• Crypto Currencies Supported: Bitcoin, Litecoin, Ether, Ripple, PAX, TUSD, EOS, and XLM
• Rewards: Up to 8% cashback
• Fees: No annual fee
• Funding method: Bank wire, debit, crypto transfer, etc
• Account minimum: $0
• Card Type: Visa Card
• Debit/Credit: Prepaid Debit Cards
• Supported Countries: Anywhere Visa is accepted

More Information >>

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2) CoinBase

Reason Chosen: Coinbase Card is a secure, easy-to-use, Visa-supported bitcoin card that converts multiple types of cryptocurrencies to local currency

Coinbase is one of the best crypto credit cards available in the market. It can be used in any place where a Visa card is accepted, supports up to nine different cryptocurrencies, and features robust security. Coinbase bitcoin card also offers several security and convenience features, including a mobile wallet apps, instant card freeze, spending tracking, and more.

Features:

• You can convert all Crypto to USD allow merchants to purchase and make cash withdrawals on ATMs
• It makes crypto as spendable as the money in your bank
• Instant card freezing, world-class security using 2-step verification, PIN protection,
• Pay with contactless withdrawals to secure Crypto.
• Two-step verification, instant card freeze

Pros	Cons
You can pay using multiple cryptocurrency wallets	You must have a Coinbase account.
You can link all your Coinbase accounts.	Substantial fees for non-U.S. users
Spend your Crypto anywhere Visa is accepted
You can switch between cryptocurrencies on the fly

Key Statistics:

• Reason Chosen: The Coinbase Card is a secure, easy-to-use, Visa-supported debit card that converts multiple types of cryptocurrencies.
• Crypto Currencies Supported: Bitcoin, Ethereum, and Litecoin, and requires cardholders to have a Coinbase account.  – 9
• Rewards: 4% cashback
• Fees: 2.49% – as cryptocurrency liquidation fees
• Account minimum: No account minimum.
• Card Type: Visa
• Debit/Credit: Debit Card
• Supported Countries: Anywhere Visa is accepted

More Information >>

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3) Blockfi

Reason Chosen: Rewards rate increases from 1.5% to 2% after $50,000 of spend.

BlockFi is one of the pioneer platforms to offer crypto credit card services. You can pay bills, purchase, and withdraw any crypto in the form of fiat at any VISA merchant, outlet, or ATM. One of the best crypto rewards cards functions like a cashback card to earn rewards on spending the Crypto. You can also reinvest the earned crypto credit rewards.

Features:

• ZBlockFI offers US$250 in Bitcoin as a signup bonus for spending US$3,000 within the first three months.
• Can get additional interests in referring friends.
• You can earn $30 in bitcoin for every client referral.
• Bitcoin worth $30 as a referral reward.

Pros	Cons
Highly reliable crypto lending services	Most crypto-based cards are limited to debit, but BlockFi is a legitimate bitcoin credit card.
Do not check credit scores for qualification purposes.	The reward rates are lower when you compared to its counterparts.
Allows users to redeem the rewards monthly.
You can get a reward for your Bblockfi interest account.
For total annual payments over $50,000, the offers reward rate of 2%

Key Statistics:

• Crypto Currencies Supported: Bitcoin, Ether, Litecoin, etc.
• Rewards: 1.5% cashback in Bitcoin purchases. 3.5% on purchases for first six months after application.
• Fees: $0 annual fee and $0 foreign transaction fees.
• Funding method: You can do a crypto deposit, a wire transfer, or an ACH deposit
• Account minimum: No minimum account balance is needed.
• Card Type: Visa and Master card
• Debit/Credit: Credit card only
• Supported Countries: Anywhere Visa Card is accepted.

More Information >>

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4) Nexo

Reason Chosen: Let’s you spend while holding your cryptocurrency.

Nexo MasterCard physical bitcoin card enables you to take crypto loans off up to US$2 million on your crypto holdings. It allows users to unlock the value of digital assets while keeping their upside potential.

Features:

• 2% cash back rewards on purchases or spending with your crypto reward credit card
• You can exchange the world’s most popular coins from any device
• It allows you to pay loan interest in Crypto or fiat
• You will get the payments in local currencies
• Borrow Cash Against Your Crypto
• You can create virtual cards for safer online usage of the Card

Pros	Cons
Let’s you spend while retaining your cryptocurrency.	It does not have a Visa card
Accepted everywhere Mastercard is available	Still in an early access phase
You spend while holding your cryptocurrency
It offers an option to freeze and unfreeze the Card in a few clicks
Accepted worldwide by over 40 million merchants.

Key Statistics:

• Crypto Currencies Supported: Bitcoin, Ethereum, Ripple, and 14 other digital assets.
• Rewards: 2% cashback across the board
• Fees: There are no annual or monthly fees and no application fees.
• Funding method: Bank transfer
• Account minimum: There is no minimum account balance required.
• Card Type: Visa and Master card
• Debit/Credit: Debit Card
• Supported Countries: Accepted worldwide by over 40 million merchants.

More Information >>

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5) Binance

Reason Chosen: Bitcoin rewards rate increases from 1.5% to 2% after $50,000 of spend.

Binance offers one of the best Crypto Card With which you can spend at more than 60 million merchants worldwide. The Binance card is an ideal option for you if you hold a good number of BNBs. In Binance, cashback is calculated based on the number of BNBs you hold.

Features:

• Not charge any administrative or processing fees
• It helps you to protect the highest security standards available at Binance.
• You can hold Crypto and exchange only when you need to.
• Hold crypto in your Binance Funding Wallet
• The highest security standards protect Binance Card funds

Pros	Cons
No issuance or monthly fees	Only available in Europe
Allows you to convert Crypto on demand.
It offers instant cashback on your purchases.

Key Statistics:

• Crypto Currencies Supported: Binance Coin
• Rewards: 8% cashback
• Fees: Up to a 0.9% transaction fee for transactions and ATM withdrawals
• Funding method: Bank transfer.
• Account minimum: No account minimum.
• Card Type: Visa
• Debit/Credit: Crypto Debit Card
• Supported Countries: Austria, Belgium, Bulgaria, Croatia, Republic of Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Gibraltar, Greece.

More Information >>

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6) Gemini

Reason Chosen: Rewards rate increases from 1.5% to 2% after $50,000 of spend.

Gemini offers a crypto credit card that automatically enables you to earn crypto rewards. It is one of the s best crypto rewards cards available in Bitcoin and 30+ other cryptocurrencies, and it allows you to freeze the Card instantly from the app, track expenses, etc.

Features:

• Instant rewards the moment you swipe
• It is one of the best crypto rewards credit cards that can be purchased with your Gemini Credit Card anywhere in the world
• Black, silver, and rose gold metal cards
• It provides 24/7 live agent support. Near-instant access to the Card after application

Pros	Cons
It helps you earn 25x more with bitcoin rewards than with cashback rewards.	Currently available only for U.S. residents.
Access your card number anytime in the Gemini mobile or web app.
Your crypto rewards are automatically and instantly deposited into your Gemini account.
Gemini’s world-class security protects crypto rewards Instantly lock your Card anytime from the Gemini app

Key Statistics:

• Reason Chosen: Your crypto rewards are automatically and instantly deposited into your Gemini account.
• Crypto Currencies Supported: Bitcoin (BTC), Ether (ETH), Litecoin (LTC), Bitcoin Cash (BCH), Zcash (ZEC), Filecoin (FIL), Dogecoin (DOGE), Tezos (XTZ)
• Rewards: Offers 3% cash back on dining purchases, 2% on groceries, and 1% on other purchases.
• Fees: No annual, foreign transaction, or foreign transaction fees.
• Funding method: Bank transfer.
• Account minimum: Does not have any minimum account balance.
• Card Type: Master Card
• Debit/Credit: Bitcoin Credit Card
• Supported Countries: USA, Brazil, Peru, Cyprus, Denmark, Switzerland, UK, Singapore, Bhutan, India, etc.

More Information >>

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7) Sofi

Reason Chosen: It allows you to cash in on Crypto.

SoFi is one of the best crypto reward credit cards that allow users to earn back rewards on purchases. It was launched SoFi Credit Card as a tool to increase more users.

Features:

• Best for investors and holders.
• Earn 2 points per $1 spent
• You can earn $100 for opening SoFi Money or Invest account
• You can earn 2% cashback on purchases with the Card
• Allows you to cash in on Crypto

Pros	Cons
Your Sofi credit card offers competitive purchase rewards	Does not have any signup bonus.
You can redeem each point per penny by depositing them into a SoFi account.	Bitcoin and Ethereum are the only crypto redemption options.
Reduce your APR with 12 on-time payments.
Make 12 monthly on-time payments to lower your APR by 1%. †︎ It’s that easy.
Save, invest, or pay down an eligible SoFi loan

Key Statistics:

• Crypto Currencies Supported:
• Rewards: Earn 2% unlimited cash back when you redeem it
• Fees: It has no annual fees or no foreign transaction fees. However, charge $10 or 5% of each balance transfer and $10 or 5% of each cash advance.
• Funding method: Bank transfer
• Account minimum: $0
• Card Type: Mastercard.
• Debit/Credit: Credit Card.
• Supported Countries: U.S. only

Link: https://www.sofi.com/credit-card/

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8) Amon Card

Reason Chosen: The Amon UnionPay Debit card offers great cashback, rewards, and interests.

The Amon UnionPay Debit Card is a multi-currency card that allows you to spend in GBP and EUR over 1.7M stores in 179 countries. It is one of the first Debit cards to have Artificial Intelligence in wallet management. It gives you access to your Amon Wallet, and you can trade different currencies swiftly. The card is designed to merge the funds and assets in one wallet.

Features:

• The UnionPay Debit card comes in four different card tiers.
• Provides 0.5% to 3% of cashback on each trade or purchase.
• The funds are protected with cold storage and multi-signature.
• Allows you to earn up to 12% yearly interest, which gets deposited directly in the wallet.
• It is regulated by Estonia’s Financial Intelligence Unit (FIU) with license number FVT000152.
• Debit card comes with an in-built cryptocurrency exchange.

Pros	Cons
Offers great interest	The onboarding process is a bit tedious
Weekly deposits of your interest directly into your wallet.
Allows you to Withdraw at any Barclays ATM for free
There are no fees for ordering the card

Key Statistics:

• Crypto Currencies Supported: BTC, ETH, LTC, BCH, EOS, AMN, and XLM
• Rewards: Provides 0.5% to 3% of cashback
• Account minimum: None
• Card Type: UnionPay
• Debit/Credit: Debit card
• Supported Countries: 179 countries, including the USA, UK, Canada, China, India, etc

More Information >>

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9) Crypterium

Reason Chosen: The Crypterium Card is available for free with no monthly maintenance fees if you meet minimum activity requirements.

Crypterium provides virtual and plastic prepaid bitcoin debit cards topped with Crypto from the Crypterium wallet. You can use this crypto card to convert Crypto to fiat and spend it to purchase goods and services wherever VISA is accepted.

Features:

• You can withdraw up to $2,976 per month with a VISA card.
• Best Card for regular shoppers
• It allows you to withdraw cash in over 200 countries globally and shop online & offline in over 42 million retailers.
• It is one of the best crypto credit cards that offers two factors authentication, touch id and face id support.
• Provides three types of cards – virtual, plastic, and full pack.

Pros	Cons
You can top up with BTC, LTC, ETH & many other assets	It doesn’t allow for anonymous crypto trading.
You can withdraw cash from ATMs in 200+ countries	One may consider the number of supported cryptocurrencies limited.
Get a free virtual card in just minutes
You can pay with Crypterium Card in over 42 million physical and online retailers worldwide

Key Statistics:

• Crypto Currencies Supported: Criterium, Ripple, Bitcoin, Ethereum, Litecoin, etc.
• Rewards: 3%
• Fees: $3.56 monthly maintenance fee that can be waivered.
• Funding method: PayIn, Bank account using wire transfer
• Account minimum: No minimum balance is needed
• Card Type: VISA
• Debit/Credit: Virtual and plastic Prepaid Debit Cards and crypto Rewards Credit Cards
• Supported Countries: Austria, Belgium, Canada, Denmark, Finland, France, Germany, Japan, Hungary, Malaysia, Mexico, Poland, Romania, South Africa, Spain, UK, USA, etc.

Link: https://crypterium.com/cards

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10) Upgrade

Reason Chosen: Instant access to your Card upon approval

The Upgrade is a crypto reward, Credit Card. It offers multiple crypto credit cards that allow you to make purchases and then pay down your balance in equal monthly instalments.

Features:

• Earn unlimited 1.5% in Bitcoin on all purchases,
• Credit lines from $500 to $25,000.
• Chip Enabled Contactless Upgrade Card
• This crypto card combines features of credit cards and personal loans.
• Affordable monthly payments with no annual fee,
• You will get instant access to a virtual card upon approval.

Pros	Cons
Qualify with average credit	Does not offer any bonus for the new cardholder.
No prepayment penalty, late fees, or penalty APR.	Potentially high-interest rate
You can use wherever Visa card is accepted
No security deposit is required.

Key Statistics:

• Crypto Currencies Supported: Bitcoin
• Crypto Credit Card Rewards: 1.5% back in Bitcoin purchases
• Funding method: Bank transfer and US dollar.
• Fees: $0
• Account minimum: No minimum account balance.
• Card Type: Visa
• Debit/Credit: Credit Card

More Information >>

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11) Bitpay

Reason Chosen: It lets you reload your Card from your crypto wallet with no conversion fees charged by BitPay.

Bitcoin is one of the best crypto cards that helps you convert Crypto into dollars with zero fees using the BitPay prepaid debit card. You can instantly purchase store credit and spend it at dozens of major retailers.

Features:

• Let’s you spend your Crypto like cash
• It offers an option of paying with a contactless PIN or withdrawing cash from any compatible ATM
• Instantly reload your Card with no conversion fee
• You can convert Crypto into dollars with zero fees using the BitPay prepaid debit card

Pros	Cons
You can buy Bitcoin, Ethereum, Dogecoin, stable coins & more with a credit card	Available only in all 50 states
It helps you to take full control of your assets with a wallet you can trust.
You can turn Crypto into dollars instantly.
No conversion fees within the U.S.
You can view your balance, request a new PIN, and reload instantly, all within the BitPay App.

Key Statistics:

• Crypto Currencies Supported: Bitcoin and Ethereum.
• Crypto Rewards: None
• Fees: 3% foreign transaction fee and $2.50 ATM withdrawal fee.
• Funding method: Bank transfer
• Account minimum: No minimum balance.
• Card Type: Prepaid Master Card
• Debit/Credit: Debit Card
• Supported Countries: U.S.

Link: https://bitpay.com/card/

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12) CoinZoom

Reason Choose: Earn weekly interest payments on select cryptocurrencies like Bitcoin.

CoinZoom is a cryptocurrency exchange that supports 52 different cryptocurrencies, including the most popular options like Bitcoin and Ethereum. It also offers a Visa debit card that works with all its supported cryptocurrencies.

Features:

• It allows you to link your debit bitcoin card to any cryptocurrency asset you hold through the CoinZoom app for purchases.
• Select, Preferred, Gold, Platinum, or Black; you’ll earn 1-5% back in Crypto on every purchase.
• It enables you to change the currency your Card uses at any time.
• All Crypto rewards credit cards work at ATMs and anywhere Visa is accepted.

Pros	Cons
52+ Crypto is available to link to your debit card.	Significant ZOOM coin stake needed for best rewards
Offers instant transfer of Crypto to U.S. dollars.	Cashback rewards are paid only in ZOOM tokens.
It offers five-card versions and rewards up to 5% back.	Onetime $10 fee for most cards.
Required ZOOM Holdings to earn Rewards of 2,000

Key Statistics:

• Crypto Currencies Supported: Bitcoin, DogeCoin, Dash, Ethereum, Litecoin, Shiba-Inu Coin, etc.
• Crypto Rewards: Up to 5%
• Fees: One-time $10 fee for most cards
• Funding method: Bank transfer
• Account minimum: No account minimum needed.
• Card Type: Visa Virtual Card
• Debit/Credit: Debit Card
• Supported Countries: US, AUS, Canada, and more.

Link: https://www.coinzoom.com/cards/

How to Select Crypto Credit Cards?

Here are a few important things to keep in mind when using a crypto credit card:

Step 1) Correct Wallet Address for your Coins

Always make sure that you have the correct wallet address for your coins – this is the address where your crypto coins will be sent once you make a purchase.

Step 2) Check terms and conditions of Crypto Card Provider

You should always double-check the terms and conditions of the card before signing up – some cards require users to undergo a verification process before using them.

Step 3) Check the acceptance of your Crypto Card

You need to make sure that the merchant accepts cryptocurrencies, and many merchants now accept Bitcoin, Ethereum, and other cryptocurrencies as payment.

Step 4) Fees

Bitcoin debit cards come with fees, including monthly maintenance, foreign transaction, and ATM withdrawal fees.

Step 5) Rewards

Many Bitcoin debit cards come with rewards like cryptocurrency cashback. These crypto rewards can seriously boost your earning potential. Therefore, it is good idea to look for cards with generous cash back.

Step 6) Availability

Some Bitcoin debit cards are only available in some geographic regions, such as the Europe or U.S. You should opt for a debit card that works where you live.

Step 7) Supported Currencies

You need to rembers that all Bitcoin debit cards support other currencies. Depends on upon what type of cryptocurrency you prefer, you should make sure to choose a card that supports it.

Step 8) Read the Review of Crypto Cards

Finally, be sure to read reviews of crypto credit or debit cards before deciding. This will help you understand what other customers think about the Card and whether it is a good fit for your needs.

FAQ:

❓ What are the Best Crypto Credit/Debit Cards?

Following are the Best Crypto Credit/Debit Cards:

• Crypto.com
• CoinBase
• Blockfi
• Nexo
• Binance
• Gemini
• Sofi
• Amon Card
• Crypterium
• Upgrade
• Bitpay

⚡ What is Crypto Reward?

Crypto rewards function the exactly similar way any other rewards credit card would, except instead of earning airline miles or cashback for every purchase you make with your Card, you will earn crypto.

🚀 What Can I Buy with a Bitcoin Debit Card?

You can use a Bitcoin debit card anywhere its brand is accepted, and most are Visa or Mastercard, which can be used widely worldwide. Apart from traditional online purchases, you can also use your Bitcoin card at ATMs to withdraw cash in the local fiat currency.

🏅 How do I get a Bitcoin Credit Card?

You can apply for a crypto card from a cryptocurrency exchange, although some cards like the BlockFi may be waitlisted. An account and a digital wallet are typically required to start, and some fees may apply.

❗ Are Bitcoin Debit Cards Secure?

Yes, Bitcoin debit cards are very secure. Most leading Bitcoin debit card providers use state-of-the-art security measures to protect your funds.

Some of the most common security features used by Bitcoin debit card providers include:

• 2-factor authentication (2FA) – This security measure requires you to enter two different pieces of information, such as a password and a PIN, to access your account.
• Secure socket layer (SSL) is a technology that encrypts all data transferred between your computer and the Bitcoin debit card provider’s servers.
• Customer credentials protected with firewalls – Your customer credentials (name, address, etc.) are protected by firewalls so that they cannot be accessed by anyone other than you.

🌟 What is the difference between Crypto Debit and Credit Card?

Crypto credit cards function precisely like regular credit cards. You apply for the crypto card and, if approved, are given a set credit limit and need to pay off whatever limit given by the crypto card provider company. You will also earn crypto rewards when making purchases with the Card.

Crypto debit cards allow you to spend the balance of your crypto holdings. Exactly like how you would with a normal debit card tied to a bank account with USD. Many crypto debit cards also enable you to earn crypto rewards for these purchases.

Research Methodology:

To select the best Bitcoin credit/debit cards, we looked at nearly a dozen Bitcoin debit cards for this review.

We have made the following considerations before selecting any card:

• Our first consideration was that it should be easy to use and create a seamless transition from cryptocurrency conversion to purchase or withdrawal.
• The next point we consider is security, so we make sure that we select cards that offer the highest level of security as traditional debit and credit cards and quick ways to freeze or cancel a card.
• The price can’t be a prime factor, but we highlighted a few cards with low to no fees and those that offered cashback and other rewards.