10 Best Crypto Debit Card with Bitcoin Rewards (Apr 2024)

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.
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Top Pick

The Uphold Card allows users to spend any asset they hold – including crypto such as Bitcoin, XRP and Ethereum and national currencies including GBP, USD and EUR – anywhere in the world.

Visit Uphold

Best Bitcoin Debit/Credit Card

Name Crypto Currencies Supported Rewards Fees Supported Countries Links
👍 Uphold BTC, LTC, XRP, DOT, XLM plus 250 more N/A No annual fee Anywhere Mastercard is accepted Learn More
Binance Binance Coin Receive up to 8% BNB cashback on every EUR or crypto purchase. $0 annual fee and $0 foreign transaction fees. Binance Card is available in the following 39+ countries: Aruba, Austria, Belgium, Bulgaria, Croatia, etc. Learn More
Nexo BTC, ETH, XRP, and 14 other digital assets. 2% cashback across the board There are no annual or monthly fees and no application fees. Accepted worldwide by over 40 million merchants. Learn More
Coinbase BTC, ETH, and LTC 4% cashback 2.49% – as cryptocurrency liquidation fees Anywhere Visa is accepted Learn More
Crypto.com BTC, LTC, Ether, XRP, PAX, and XLM Up to 8% cashback No annual fee Anywhere Visa is accepted Learn More

1) Uphold

Spend any asset, anywhere in the world

The Uphold Card allows users to spend any asset they hold – including crypto such as Bitcoin, XRP and Ethereum and national currencies including GBP, USD and EUR – anywhere in the world. The card is available in both physical and virtual form and offers no foreign transaction fees when spending abroad and low FX rates. The card can be connected to both Apple and Google pay and can be used for free with no fees whatsoever. The card is ready to use instantly.

#1 Top Pick

Rewards: N/A

Fees: No annual fee

Account minimum: $0

Supported Countries: Anywhere Mastercard is accepted

Visit Uphold


  • 0% foreign transaction fees, unlike most banks
  • Supports 250+ different cryptocurrencies and 15 national currencies
  • Pay with Apple and Google pay
  • Easily select which asset you want to spend


  • Supports over 250 cryptocurrencies and 15 national currencies
  • Does not have any issuance or monthly fees.
  • 0% foreign transaction fees, unlike most banks and great exchange rates
  • Instant card set up, great for beginners


  • Not available worldwide

Reward Rate



No annual fee

Visit Uphold >>

Disclaimer: UK users only. Terms apply. Non-Uphold fees may apply. Uphold Card is Issued by Optimus Cards UK Limited, a principal member of Mastercard and authorised by the FCA.

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.

Binance, a leading cryptocurrency platform, supports Binance Coin and offers funding via bank transfer. With no account minimum, it provides a Visa-backed crypto debit card. The card is accessible in numerous European countries including Austria, Belgium, Bulgaria, Croatia, Republic of Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Gibraltar, Greece.



  • 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


  • No issuance or monthly fees
  • Allows you to convert Crypto on demand.
  • It offers instant cashback on your purchases.


  • Only available in Europe

Reward Rate

With the Binance debit card, receive up to 8% BNB cashback on every EUR or crypto purchase.


Up to a 0.9% transaction fee for transactions and ATM withdrawals

Visit Binance >>

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.

Nexo supports Bitcoin, Ethereum, Ripple, and 14 other digital assets. Users can fund their accounts via bank transfer, and there’s no minimum balance required. Nexo offers both Visa and Mastercard debit cards, accepted by over 40 million merchants globally.



  • 2% cash back rewards on purchases or spending with your crypto reward 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


  • Let’s you spend while retaining your cryptocurrency.
  • Accepted everywhere Mastercard is available
  • 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.


  • It does not have a Visa card
  • Still in an early access phase

Reward Rate

For the Nexo card, Platinum members receive 2% back in NEXO Tokens or 0.5% in BTC. Gold members earn 1% in NEXO Tokens or 0.3% in BTC. Silver members get 0.7% in NEXO Tokens or 0.2% in BTC, and Base members are rewarded with 0.5% in NEXO Tokens or 0.1% in BTC.


There are no annual or monthly fees and no application fees.

Visit Nexo >>

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.

The Coinbase Card, a Visa-supported debit card, offers a seamless way to convert and spend Bitcoin, Ethereum & Litecoin. Designed for security and ease of use, it mandates users to have a Coinbase account. With no minimum account balance, this debit card is accepted globally wherever Visa is recognized.



  • 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


  • You can pay using multiple cryptocurrency wallets
  • You can link all your Coinbase accounts.
  • Spend your Crypto anywhere Visa is accepted
  • You can switch between cryptocurrencies on the fly


  • You must have a Coinbase account.
  • Substantial fees for non-U.S. users

Reward Rate

The Coinbase card offers up to 4% in crypto rewards for every transaction made.


There are no transaction fees for spending with the Coinbase Card.

Visit CoinBase >>

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

Crypto.com offers a Visa Card that provides up to 100% cashback on popular streaming services and up to 8% back on regular purchases. Supporting a range of cryptocurrencies including Bitcoin, Litecoin, Ether, and more, it has a $0 account minimum. Users can fund their accounts through bank wire, debit, or crypto transfers. Accepted globally, it’s a prepaid debit card usable wherever Visa is recognized.



  • 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


  • Supports over 90 cryptocurrencies
  • Does not have any issuance or monthly fees.
  • Get up to 100% back on Spotify, Netflix, and Amazon Prime with card versions.
  • Offers Airport lounge access benefits available


  • You must purchase Crypto.com’s CRO tokens
  • Crypto.com is one of the best rewards cards that require you to “stake” funds.

Reward Rate

The Crypto.com debit card is a prepaid card allowing you to utilize your cryptocurrency, with the perk of earning up to 5% in crypto cashback.


Crypto.com debit card charges 2.49% as cryptocurrency liquidation fees

Visit Crypto.com >>

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.

The Gemini Bitcoin Credit Card, backed by Master Card, instantly deposits crypto rewards into Gemini accounts. It supports cryptocurrencies like Bitcoin and Ether, with no minimum balance required. Fundable via bank transfer, it’s accepted in countries like USA, Brazil, Peru, Cyprus, Denmark, Switzerland, UK, Singapore, Bhutan, India, etc.



  • 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


  • It helps you earn 25x more with bitcoin rewards than with cashback rewards.
  • 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


  • Currently available only for U.S. residents.

Reward Rate

Offers 3% cash back on dining purchases, 2% on groceries, and 1% on other purchases.


No annual, foreign transaction, or foreign transaction fees.

Visit Gemini >>

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.

Upgrade provides a Visa credit card for Bitcoin transactions. With no minimum balance, it’s funded via bank transfers and US dollars, bridging traditional banking with crypto seamlessly.



  • 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.


  • Qualify with average credit
  • No prepayment penalty, late fees, or penalty APR.
  • You can use wherever Visa card is accepted
  • No security deposit is required.


  • Does not offer any bonus for the new cardholder.
  • Potentially high-interest rate

Reward Rate

Earn 1.5% Bitcoin cashback on all purchases using the Upgrade credit card.


The Upgrade crypto credit card charges zero annual fees, offering cost-effective usage.

Visit Upgrade >>

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.

SoFi’s Mastercard credit card supports cryptocurrency and requires no minimum account balance. Funding is via bank transfer, exclusively available for U.S. residents.



  • 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


  • Your Sofi credit card offers competitive purchase rewards
  • You can redeem each point per penny by depositing them into a SoFi account.
  • 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


  • Does not have any signup bonus.
  • Bitcoin and Ethereum are the only crypto redemption options.

Reward Rate

The SoFi Credit Card provides 2% cash back rewards, which can be redeemed for cash, stock investments, or as statement credit.


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.

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.

The Amon Card, a UnionPay debit card, supports cryptocurrencies like BTC, ETH, LTC, BCH, EOS, AMN, and XLM. With no account minimum, it’s available in 179 countries, including the USA, UK, Canada, China, and India.

Amon Card


  • 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.


  • Offers great interest
  • 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


  • The onboarding process is a bit tedious

Reward Rate

The Amon UnionPay Debit Card rewards users with 0.5% to 3% cashback on purchases.


The Amon UnionPay Debit Card offers users the advantage of zero transaction fees.

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.

The Crypterium Card, a versatile VISA offering, supports a range of cryptocurrencies including Criterium, Ripple, Bitcoin, Ethereum & Litecoin. Users can fund their cards via PayIn or wire transfers from bank accounts. Remarkably, there’s no minimum balance requirement. Available as both virtual and plastic prepaid debit cards, it also offers crypto rewards credit cards. This card is accessible in numerous countries, Austria, Belgium, Canada, Denmark, Finland, France, Germany, Japan, Hungary, Malaysia, Mexico, Poland, Romania, South Africa, Spain, UK, USA, etc.



  • 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.


  • You can top up with BTC, LTC, ETH & many other assets
  • You can withdraw cash from ATMs in 200+ countries
  • Get a free virtual card in just minutes
  • You can pay with Crypterium Card in over 42 million physical and online retailers worldwide


  • It doesn’t allow for anonymous crypto trading.
  • One may consider the number of supported cryptocurrencies limited.

Reward Rate

Information Not Available


Crypterium charges a $3.56 monthly fee, but offers options for its waiver.

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.

The Bitpay Card, a Prepaid MasterCard, supports Bitcoin and Ethereum. Users can fund it via bank transfers. With no minimum balance requirement, this debit card is exclusively available for U.S. residents.



  • 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


  • You can buy Bitcoin, Ethereum, Dogecoin, stable coins & more with a credit card
  • 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.


  • Available only in all 50 states

Reward Rate

When used at numerous locations, the BitPay Card instantly rewards you with cash back.


BitPay Card charges 3% for foreign transactions and $2.50 for ATM withdrawals.

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.

The CoinZoom Debit Card, a Visa Virtual Debit Card, supports multiple cryptocurrencies including Bitcoin, DogeCoin, Ethereum, and Shiba-Inu Coin. Funded via bank transfer and requiring no minimum account balance, it’s available in the US, AUS, Canada, and beyond.



  • 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.


  • 52+ Crypto is available to link to your debit card.
  • Offers instant transfer of Crypto to U.S. dollars.
  • It offers five-card versions and rewards up to 5% back.
  • Required ZOOM Holdings to earn Rewards of 2,000


  • Significant ZOOM coin stake needed for best rewards
  • Cashback rewards are paid only in ZOOM tokens.
  • Onetime $10 fee for most cards.

Reward Rate

Every time you use your card, you can earn between 1-5% in CoinZOOM.


CoinZoom Debit Card typically requires a one-time payment of $10 for most cards.

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

What is a Crypto Card?

A crypto card, also known as a cryptocurrency debit card, is a financial product that allows individuals to spend their cryptocurrencies, such as Bitcoin, Ethereum, or other digital assets, for everyday purchases, both online & at physical retail locations.

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.


Following are the Best Crypto Credit/Debit Cards:

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.

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.

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.

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

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.

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.

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.

Best Bitcoin Debit/Credit Card

Name Crypto Currencies Supported Rewards Fees Supported Countries Links
👍 Uphold BTC, LTC, XRP, DOT, XLM plus 250 more N/A No annual fee Anywhere Mastercard is accepted Learn More
Binance Binance Coin Receive up to 8% BNB cashback on every EUR or crypto purchase. $0 annual fee and $0 foreign transaction fees. Binance Card is available in the following 39+ countries: Aruba, Austria, Belgium, Bulgaria, Croatia, etc. Learn More
Nexo BTC, ETH, XRP, and 14 other digital assets. 2% cashback across the board There are no annual or monthly fees and no application fees. Accepted worldwide by over 40 million merchants. Learn More
Coinbase BTC, ETH, and LTC 4% cashback 2.49% – as cryptocurrency liquidation fees Anywhere Visa is accepted Learn More
Crypto.com BTC, LTC, Ether, XRP, PAX, and XLM Up to 8% cashback No annual fee Anywhere Visa is accepted Learn More