7 Best Crypto Debit Cards (2025)

Imagine using your cryptocurrency to buy groceries, dine out, or withdraw cash—without friction. The best crypto debit cards make this experience smooth by bridging the gap between digital currencies and traditional finance. With my extensive background in financial SaaS, I have curated this guide to empower investors and enthusiasts with practical insights into cards that truly deliver value. Expect more providers to integrate stablecoin support as this space matures rapidly.

I spent over 80 hours evaluating more than 26 crypto debit cards to find credible, well-performing options suitable for diverse users. These cards were analyzed carefully for features, real-world performance, pros and cons, and fess. During testing, one free plan impressed me with its spending limits and ease of activation. This professional and unbiased guide delivers a comprehensive, in-depth analysis that serves as a go-to source for anyone serious about crypto payments. Read more…

Top Crypto Debit/Credit Cards: Top Picks!

Name	Crypto Currencies Supported	Rewards	Fees	Supported Countries	Links
👍 Uphold	BTC, LTC, XRP, DOT, XLM plus 250 more	Up to 14%	No annual fee	Anywhere Mastercard is accepted	Learn More
Nexo	BTC, ETH, XRP, and Over 80	2% cashback across the board	No annual or monthly fees	30 European Economic Area countries & UK	Learn More
Kraken	BTC, ETH, XRP, and Over 200	Up to 1% cashback	No annual or monthly fees	US, UK, and select European countries	Learn More
Binance	BTC, ETH, BNB, and Over 500	Receive up to 8% BNB cashback on every EUR or crypto purchase.	No annual or monthly fees	EEA (European Economic Area) and LATAM (Latin America).	Learn More
Crypto Vouchers	BTC, ETH, TON, DOGE, LTC, etc	NA	No transaction fee	Anywhere Visa is accepted	Learn More
Paybis	ETH, BTC, DOGE, and Over 500	5% cashback	No transaction fee	180+, Louisiana, New York, Iran, etc.	Learn More

1) Uphold

Spend any asset, anywhere in the world

I checked Uphold, a cryptocurrency exchange that features more than 250 cryptocurrencies, including Bitcoin and Ethereum. It provides a debit card that can be used with all 250+ cryptocurrencies. I advise considering this platform if you need a reliable and top-notch crypto payment solution. The Uphold Debit Card, supports multiple cryptocurrencies including Bitcoin, DogeCoin, Ethereum, etc. Additionally, Uphold’s 100% reserve model secures user funds.

Country Supported: The Uphold Debit Card is available in over 184 countries worldwide!

Features:

• Global Spending: Uphold allows you to make purchases in over 184 countries without worrying about compatibility. I have used it during international travel, and transactions were seamless. You will notice reduced hassle when compared to traditional banks with currency restrictions.
• Recurring Transactions: I configured recurring purchases to automate my crypto investments. It made dollar-cost averaging simple and consistent for me. I recommend scheduling weekly buys during low-volatility periods for better long-term value.
• Reward Incentives: I love the XRP cashback feature on every transaction with the free debit card. It adds real value for regular spenders. There is also an option that lets you track your cashback history within the app.
• 0% Foreign Transaction Fees: I tested the card during a trip across Europe and never paid extra fees. This perk alone saved me a significant amount. Competitive exchange rates made purchases more economical.
• Multi-Asset Spending: You can choose to spend from crypto, fiat, or even precious metals. This is especially useful if you actively trade and want to liquidate profits easily. While using this feature one thing I noticed is that switching assets before spending often gives more control over conversion rates.
• Cryptocurrency Support: It offers a diverse range of over 250 cryptocurrencies, including BTC, ETH, XRP, XDC, DAG, ADS, etc. It allowed me to explore various investment opportunities in the crypto market.

Reward Rate:

Every time you use your card, you can earn upto 14% in Uphold.

Uphold Card Limits:

• Monthly Withdrawal Limit: $10/$700,000
• Monthly Deposit Limit: $50,000

Fees:

The Uphold debit card has no annual fees.

Visit Uphold >>

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2) Nexo

Let’s you spend while holding your cryptocurrency

I reviewed the Nexo MasterCard physical bitcoin card, which allows you to borrow up to US$2 million against your crypto holdings. In my opinion, it helps you access the value of your digital assets while keeping potential gains intact. I particularly liked how this card offers a way to leverage crypto without losing future profit potential, making it a great option for crypto enthusiasts.

Nexo supports Bitcoin, Ethereum, Ripple, and 80 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 100 million merchants globally.

Country Supported: The Nexo Card is exclusively available to citizens and residents of the 30 European Economic Area countries (EEA) and the UK.

Features:

• Cash Back Rewards:Nexo lets me earn up to 2% in crypto back on every transaction. It automatically credited my account in BTC or NEXO tokens, which added up over time. While using this feature one thing I noticed was that choosing NEXO tokens offers better rates for compounding rewards.
• Crypto Exchange: I easily converted top cryptocurrencies across my devices without needing a separate wallet. The exchange interface is smooth, and the rates were surprisingly competitive. I recommend checking market trends inside the app before converting, as it helps optimize the trade timing.
• Loan Payment Options: It lets me pay loan interest in either crypto or fiat currency. As a result, I could choose the most suitable option while receiving payments directly in local currencies, which helped me in avoiding conversion fees.
• Instant Free Virtual Card: I generated my Nexo virtual card in seconds and used it for secure online purchases. It worked flawlessly with major retailers and payment platforms. This feature gave me peace of mind when avoiding exposure of my primary card.
• Dual Spending Modes: Nexo lets you toggle between Credit Mode (using crypto as collateral) and Debit Mode (spending directly from your crypto). This made my spending more flexible based on market conditions. The tool lets you switch modes instantly in-app, which is helpful when crypto prices fluctuate.
• Cryptocurrency Support: Nexo offers support for a diverse selection of cryptocurrencies, including BTC, ETH, USDT, LTC, XRP, ADA, DOT, LINK, DOGE, SHIB, and more than 80 others, ensuring flexibility and variety for users.

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.

Nexo Card Limits:

• ATM Cash Withdrawal Monthly Limit: €10,000
• Purchase Monthly Limit: €60,000

Fees:

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

Visit Nexo >>

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3) Kraken

Best for professional traders seeking low-fee crypto spending with institutional-grade security

During my analysis of Kraken, I discovered that it provides one of the most secure crypto debit card solutions, backed by their reputation as a leading cryptocurrency exchange. I particularly liked how the card integrates seamlessly with Kraken’s advanced trading platform, making it perfect for professional traders who want to spend their crypto profits without complex conversions. Kraken, known for its institutional-grade security and regulatory compliance, supports over 200 cryptocurrencies and offers funding via bank transfer with competitive rates.

Country Supported: The Kraken Card is available in the US, UK, and select European countries with plans for expansion.

Features:

• Advanced Security Features: Kraken implements industry-leading security protocols including cold storage and multi-signature wallets. This gave me confidence when making large transactions. The platform’s security track record is exceptional, with no major breaches in over a decade of operation.
• Professional Trading Integration: I could seamlessly convert crypto to fiat at institutional rates before spending. This feature is perfect for active traders who want to capitalize on market movements. The integration with Kraken Pro allows for sophisticated order types and advanced charting tools.
• Low Transaction Fees: Kraken offers some of the lowest fees in the industry for crypto-to-fiat conversions. I saved significantly compared to other crypto cards during my testing period. The transparent fee structure makes it easy to calculate costs before transactions.
• Real-Time Market Data: Access to live market prices and analytics directly through the card interface helped me make informed spending decisions. I could monitor my portfolio performance while managing card transactions. This feature is invaluable for timing large purchases during favorable market conditions.
• Regulatory Compliance: Kraken’s strong regulatory standing provides additional security and legitimacy for card users. I felt more secure knowing the platform operates under strict financial regulations. This compliance also ensures better customer protection and dispute resolution processes.
• Cryptocurrency Support: Kraken supports BTC, ETH, XRP, LTC, ADA, DOT, LINK, and over 200 other cryptocurrencies, providing extensive options for diverse portfolios.

Reward Rate:

With the Kraken debit card, earn up to 1% cashback on purchases, with higher rates for Kraken Pro users.

Kraken Card Limits:

• ATM Cash Withdrawal Monthly Limit: $5,000
• Purchase Monthly Limit: $50,000

Fees:

No annual fees, with competitive transaction fees starting at 0.5%

Visit Kraken >>

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4) Binance

Best for Bitcoin rewards rate increases from 1.5% to 2% after $50,000 of spend.

During my analysis of Binance, I discovered that it provides one of the best Crypto Cards, allowing you to spend at more than 60 million merchants. I particularly liked how the card is perfect for those who hold a significant amount of BNBs. The cashback feature, based on the BNBs you hold, makes it a top-rated option in the market. 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.

Country Supported: The Binance Card is available in countries across the EEA (European Economic Area) and LATAM (Latin America).

Features:

• Flexible Crypto Management: I had full control over when to convert my crypto into fiat. This helped me avoid market dips during checkout. The tool lets you choose the specific crypto to spend, which is handy when managing multiple assets.
• Fee Structure: Binance does not charge card issuance, admin, or processing fees. It saved me quite a bit compared to traditional crypto cards. While testing this feature, one thing I noticed was that I only had to monitor network fees, which made budgeting easier.
• Zero Annual and Transaction Fees: The card has no yearly maintenance cost or point-of-sale transaction fees. This made it my go-to for frequent low-value purchases. I found it ideal for everyday crypto payments like groceries and online shopping.
• Real-Time Crypto-to-Fiat Conversion: It instantly converts your crypto into fiat at the time of payment. I once used it in a local café, and the transaction was smooth and fast. You will notice that the conversion happens at Binance’s real-time rate, which often beats other card providers.
• Security Protection: Binance ensures the highest security standards, protecting both your Binance Card funds and your assets, giving you peace of mind and security at all times.
• Cryptocurrency Support: Binance supports BTC, ETH, BNB, USDT, XRP, LTC, DOGE, SHIB, ADA, DOT, and over 500 other cryptocurrencies.

Reward Rate:

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

Binance Card Limits:

• ATM Cash Withdrawal Monthly Limit: €290
• Purchase Monthly Limit: Physical Card: Up to €8,700 and Virtual Card: Up to €870

Fees:

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

Visit Binance >>

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5) CoinBase

Perfect for a secure, easy-to-use Visa bitcoin card that converts various cryptocurrencies to local currency.

According to my review, Coinbase is a top choice for crypto debit cards. I could use it wherever Visa is accepted, which is highly convenient. Supporting nine cryptocurrencies, it is perfect for users with diverse portfolios. The security features, such as instant card freeze, are top-rated. I can confidently recommend it.

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.

Country Supported: The Coinbase debit card is accepted worldwide wherever Visa is recognized. The CoinBase card is available in Austria, Belgium, Bulgaria, Croatia, Cyprus,Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, and the UK. Right now, Coinbase Card is available for all Coinbase customers who live in the US (excluding Hawaii).

Features:

• Currency Conversion: I could easily convert all my crypto to USD without delays or hidden hoops. This made using crypto in real life feel practical and reliable. While testing this feature, one thing I noticed was how smooth the point-of-sale conversions were—even small transactions processed without errors.
• Spendability: It makes crypto as spendable as the money in my bank. I used it for groceries, coffee shops, and even online subscriptions without interruptions. I suggest linking your Coinbase account to your most-used wallet to avoid funding delays during peak hours.
• Security Features: Coinbase offered me instant card freezing and world-class security with 2-step verification and PIN protection. This facility provided me assurance that my assets remained secure.
• Contactless Payments: I could pay with contactless withdrawals, which worked at most major retailers and ATMs. It offered a sense of control and flexibility over my digital assets. I once tapped the card for an in-store electronics purchase, and the whole transaction took less than five seconds.
• Cryptocurrency Support: This platform supports BTC, ETH, USDT, LTC, XRP, DOGE, ADA, SOL, MATIC, AVAX, and over 500 other cryptocurrencies.

Reward Rate:

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

Coinbase Card Limits:

• ATM Cash Withdrawal Monthly Limit: Up to €1,000
• Purchase Monthly Limit: Up to €30,000

Fees:

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

Visit CoinBase >>

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6) Gemini

Best Rewards rate increases from 1.5% to 2% after $50,000 of spend

Gemini is a top crypto credit card that lets you earn crypto rewards with every purchase. I particularly liked how it supports Bitcoin and over 70 other cryptocurrencies. I found it helpful to instantly freeze my Card and track my expenses through the app. This feature is essential for those who want to manage their crypto easily. 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.

Country Supported (Over 175): The Gemini Credit Card is available in USA, Brazil, Peru, Cyprus, Denmark, Switzerland, UK, Singapore, Bhutan, India, etc.

Features:

• Instant Card Access: I got near-instant access to the card after application, making sure you can use it without delay. You do not have to wait for the physical card to arrive. While testing this feature, one thing I noticed is that the digital card becomes active almost immediately after approval, which is perfect for quick online purchases.
• Crypto Rewards Credit Card: With the Gemini Credit Card, I could enjoy instant rewards immediately after swiping. As a result, I could gain benefits from every transaction, making it one of the best crypto rewards credit cards to use worldwide.
• Card Designs: It offers sleek black, silver, and rose gold metal cards, allowing me to choose a stylish design. These premium finishes give the card a luxurious feel. I suggest choosing the color that matches your wallet or brand persona—it subtly elevates your everyday spending.
• Exportable Transaction History: Easily export your transaction history in .csv format directly from the Gemini web interface or mobile app for personal record-keeping. This is helpful for budgeting or tracking crypto-to-fiat expenses. I recommend connecting your exported files to tools like Google Sheets or YNAB for better financial tracking.
• Cryptocurrency Support: Gemini supports trading for a wide range of cryptocurrencies, including Bitcoin (BTC), Ethereum (ETH), Litecoin (LTC), Bitcoin Cash (BCH), and Chainlink (LINK) and over 70+.

Reward Rate:

Offers 4% on gas at the pump and EV charging, 3% cash back on dining purchases, 2% on groceries, and 1% on other purchases.

Gemini Card Limits:

• Purchase Monthly Limit: $30,000
  

Fees:

No annual, foreign transaction, or foreign transaction fees.

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

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7) Choise

The Choise Card is free with no monthly fees if minimum activity requirements are met.

During my review process of Choise, I discovered that it offers both virtual and plastic bitcoin debit cards, which I was able to load with cryptocurrency from the Crypterium wallet. This card allows you to convert cryptocurrency to fiat and spend it on goods and services wherever VISA is accepted.

The Choise 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.

Country Supported (Over 200): 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.

Features:

• Withdrawal Limit: It lets me withdrew up to €2500 per month with a VISA card, which was a significant amount for regular transactions. Daily withdrawals were smooth, even during travel. While using this feature one thing I noticed was that ATM partner networks had better success rates and fewer errors.
• Global Accessibility: It allowed me to withdraw cash in over 200 countries globally. You can shop at more than 42 million retailers, which is perfect for international users. I used this feature while traveling through Europe and faced no issues at any major POS.
• Instant Virtual Card Issuance: Obtain a virtual Visa card ready for use within 20 minutes, ideal for immediate online and mobile payments. I tested this while signing up and got my virtual card on the spot. I suggest linking this virtual card to your Apple or Google Wallet for faster checkout at supported retailers.
• High Spending Limits: Enjoy generous limits with up to €10,000 monthly spending and €2,500 monthly ATM withdrawals. This makes it suitable for both everyday users and high-volume spenders. I found this especially helpful when managing both personal and business expenses through one account.
• Cryptocurrency Support: Choise supports a wide range of cryptocurrencies including BTC, BNB, ETH, TRON & many other assets and 30 others, providing flexibility and variety for users.

Choise Card Limits:

• ATM Cash Withdrawal Monthly Limit: EUR 10,000
• Purchase Monthly Limit: EUR 40,000

Fees:

The Choise card offers free issuance of the first plastic and virtual cards, with express delivery starting at €14.99. A monthly maintenance fee of €2.99 applies, but you can receive this amount back as cashback by loading any of your two cards with €299 each month.

Link: https://choise.com/card

How did we select Crypto Debit/Credit Cards?

Guru99‘s cryptocurrency reviews are built on extensive research and industry expertise, ensuring accurate, reliable, and unbiased information to guide your decisions in the dynamic crypto landscape. After dedicating over 90 hours to researching 30+ Best Crypto Debit Cards, I curated a comprehensive guide detailing their features, pros and cons, and pricing. To select the best Bitcoin credit/debit cards, we thoroughly analyzed nearly a dozen options, prioritizing ease of use, seamless cryptocurrency conversion, top-level security, and highlighting cards with low fees, cashback, and rewards. This credible review serves as your ultimate resource for choosing the right crypto debit/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 remember that all Bitcoin debit cards support other currencies. Depends on 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.

Verdict

I have analyzed the leading crypto debit cards and compared their features to determine the best options for different needs. These cards offer powerful features, making them reliable tools in the world of crypto finance. If you are deciding on the most suitable card, consider my verdict below.

• Uphold stands out as a top-notch platform offering a comprehensive array of features. Its powerful integration capabilities and cost-effective solutions make it an awesome choice.
• Nexo offers a robust and secure platform with top-notch cashback options, making it the ideal choice for those prioritizing security and rewards.
• Kraken provides one of the most secure crypto debit card solutions, backed by their reputation as a leading cryptocurrency exchange.

FAQs