10 Best Crypto Debit/Credit Card with Bitcoin Reward (Mar 2023)
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. Read more…
The Uphold card rewards you 4% paid in XRP on every purchase made using their virtual or physical card. The card allows you to spend over 200 digital assets. The card can be connected to both Apple and Google pay and can be used for free with no fees whatsoever.
Best Bitcoin Debit/Credit Card
Name | Crypto Currencies Supported | Rewards | Fees | Account minimum | Card Type | Supported Countries | Links |
---|---|---|---|---|---|---|---|
π Uphold | Bitcoin, Litecoin, Ether, Ripple, DOT, XLM plus 200 more | 4% cashback paid in XRP | No annual fee | $0 | Mastercard | Anywhere Mastercard is accepted | Learn More |
Binance | Binance Coin | 1.5% cashback in Bitcoin purchases. 3.5% on purchases for first six months after application | $0 annual fee and $0 foreign transaction fees. | No minimum account balance is needed | Visa | Crypto Debit Card | 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 |
Coinbase | Bitcoin, Ethereum, and Litecoin | 4% cashback | 2.49% – as cryptocurrency liquidation fees | No account minimum. | Visa Card | Anywhere Visa is accepted | Learn More |
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 |
1) Uphold – Cashback in XRP at 4%
The Uphold card rewards you 4% paid in XRP on every purchase made using their virtual or physical card. The card allows you to spend over 200 digital assets. The card can be connected to both Apple and Google pay and can be used for free with no fees whatsoever.
Features:
- 0% foreign transaction fees, unlike most banks
- Supports 200 different cryptocurrencies
- Earn crypto on every transaction
- Easily select which asset you want to spend
π Pros | π Cons |
---|---|
Supports over 200 cryptocurrencies | Not available worldwide |
Does not have any issuance or monthly fees. | |
0% foreign transaction fees, unlike most banks |
Key Specs:
- Reason Chosen: 4% XRP cashback
- Crypto Currencies Supported: Bitcoin, Litecoin, Ether, Ripple, DOT, XLM plus 200 more
- Rewards: 4% cashback paid in XRP
- Fees: No annual fee
- Funding method: Bank wire, debit, crypto transfer, Apple Pay, Google Pay etc
- Account minimum: $0
- Card Type: Mastercard
- Debit/Credit: Prepaid Debit Cards
- Supported Countries: Anywhere Mastercard is accepted
2) Binance – Best for 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 Specs:
- 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.
3) Nexo – 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 worldβs 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 |
---|---|
Letβs 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 Specs:
- 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.
4) CoinBase – Best for 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 Specs:
- 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. β 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
5) Crypto.com – Best for 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.comβs CRO tokens |
Does not have any issuance or monthly fees. | Crypto.com is one of the best rewards cards that require you to βstakeβ funds. |
Get up to 100% back on Spotify, Netflix, and Amazon Prime with card versions. | |
Offers Airport lounge access benefits available |
Key Specs:
- 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
6) Gemini – Best 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. | |
Geminiβs world-class security protects crypto rewards Instantly lock your Card anytime from the Gemini app |
Key Specs:
- 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.
7) Upgrade – Best for 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 Specs:
- 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
8) Sofi – 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%. β οΈ Itβs that easy. | |
Save, invest, or pay down an eligible SoFi loan |
Key Specs:
- 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/
9) Amon Card – Best for 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 Specs:
- 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
Link: https://amon.tech/
10) Crypterium – 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 β virtual, plastic, and full pack.
Pros | Cons |
---|---|
You can top up with BTC, LTC, ETH & many other assets | It doesnβt 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 Specs:
- 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://choise.com/cards
11) Bitpay – Best for 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:
- Letβs 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 Specs:
- 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/
12) CoinZoom – Best for 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; youβll 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 Specs:
- 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/
FAQs
Best Bitcoin Debit/Credit Card
Name | Crypto Currencies Supported | Rewards | Fees | Account minimum | Card Type | Supported Countries | Links |
---|---|---|---|---|---|---|---|
π Uphold | Bitcoin, Litecoin, Ether, Ripple, DOT, XLM plus 200 more | 4% cashback paid in XRP | No annual fee | $0 | Mastercard | Anywhere Mastercard is accepted | Learn More |
Binance | Binance Coin | 1.5% cashback in Bitcoin purchases. 3.5% on purchases for first six months after application | $0 annual fee and $0 foreign transaction fees. | No minimum account balance is needed | Visa | Crypto Debit Card | 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 |
Coinbase | Bitcoin, Ethereum, and Litecoin | 4% cashback | 2.49% – as cryptocurrency liquidation fees | No account minimum. | Visa Card | Anywhere Visa is accepted | Learn More |
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 |