8 Best Crypto Debit Cards (2025)
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. You can also 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…
Uphold provides a debit card that can be used with all 250+ cryptocurrencies. Users can spend assets anywhere worldwide with the Uphold Card. The Uphold debit card has no annual fees.
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 |
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 |
Coinbase | BTC, ETH, USDT, and Over 500 | 4% cashback | No annual or monthly 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
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!
Rewards: Up to 14%
Fees: No annual fee
Account minimum: $0
Supported Countries: Anywhere Mastercard is accepted
Features:
- Global Spending: Users can spend assets anywhere worldwide with the Uphold Card, as it serves over 184 countries and supports 250+ currencies.
- Recurring Transactions: It helped me set up automatic recurring transactions to help me with dollar-cost averaging.
- Reward Incentives: I appreciate the free debit card that offers XRP cashback.
- 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.
Pros
Cons
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.
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: It provided me the opportunity to earn 2% cash back on all purchases with my crypto reward card, enhancing my savings.
- Crypto Exchange: I could exchange the world’s most popular coins from any device, offering me flexibility and convenience.
- 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.
- Crypto-backed Loans: Nexo offered me the option to borrow cash against my crypto assets, providing a secure way to access liquidity without selling.
- Virtual Cards: It lets me create virtual cards for safer online transactions, which was great for enhancing security and privacy.
- 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.
Pros
Cons
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.
3) 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 could hold my Crypto securely and exchange it only when necessary, according to my needs.
- Fee Structure: Binance avoids charging any administrative or processing fees, making it a cost-effective solution for me.
- Crypto Holding: It lets me securely hold my crypto in the Binance Funding Wallet for easy accessibility.
- 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.
Pros
Cons
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
4) 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 credit 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 crypto to USD, allowing merchants to purchase and make cash withdrawals at ATMs.
- Spendability: It makes crypto as spendable as the money in my bank, offering seamless transaction options.
- 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 to secure my crypto, providing a great way to manage digital assets easily.
- Cryptocurrency Support: This platform supports BTC, ETH, USDT, LTC, XRP, DOGE, ADA, SOL, MATIC, AVAX, and over 500 other cryptocurrencies.
Pros
Cons
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.
5) Crypto.com
Best for Visa Card offers flexible top-ups using crypto
Crypto.com offers seven metal Visa debit cards. I could spend over 90 cryptocurrencies and 20+ fiat currencies with these cards anywhere Visa is accepted. In fact, these cards also provide 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.
Country Supported: Accepted globally, the Crypto.com prepaid debit card can be used anywhere Visa is recognized.
Features:
- ATM Withdrawals: I could easily withdraw up to $1,000 from ATMs for free, depending on the Card I had.
- Premium Cards: It provided me high-quality premium metal cards for enhanced durability. Also, these cards created an impressive aesthetic experience.
- ATM Discounts: The Crypto.com debit card offered me discounts on cash withdrawals from ATMs, making it a great option to reduce fees.
- Cryptocurrency Support: Crypto.com supports a wide range of cryptocurrencies, including popular options like Bitcoin (BTC), Ethereum (ETH), Litecoin (LTC), Ripple (XRP), USD Coin (USDC), and Tether (USDT), making it a versatile platform for all your digital asset needs.
Pros
Cons
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 Card Limits:
- ATM Cash Withdrawal Monthly Limit: €10,000
- Purchase Monthly Limit: €25,000
Fees
The Crypto.com debit card has no monthly fees.
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:
- 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.
- Instant Card Access: I got near-instant access to the card after application, making sure you can use it without delay.
- Customer Support: It provides 24/7 live agent support, ensuring that you have access to help whenever needed.
- 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+.
Pros
Cons
Reward Rate
Offers 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
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.
- 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.
- Security Features: I could secure my transactions with two-factor authentication, touch ID, and face ID support, making it one of the best crypto credit cards available.
- Card Types: It provides three types of cards – virtual, plastic, and full pack, offering a range of options according to your needs.
- 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.
Pros
Cons
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/cards
8) Bitpay
Best for It lets you reload your Card from your crypto wallet with no conversion fees charged by BitPay
Throughout my assessment of Bitcoin, I found it to be among the best crypto cards. It helps you change your crypto into dollars with no fees, thanks to the BitPay debit card. I was able to instantly buy store credit and spend it at 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.
Country Supported: BitPay Card available to U.S. residents only.
Features:
- Spending Options: I could spend my Crypto like cash using the BitPay card, which is great for everyday use. It lets me quickly transform Crypto into dollars with ease.
- Contactless Payment & Withdrawal: It offered me a great option for paying with a contactless PIN or withdrawing cash from any compatible ATM.
- Instant Reload: According to my experience, instantly reloading your card with no conversion fee is a very useful feature during emergency situations.
- Crypto to Dollar Conversion: I could convert crypto into dollars with zero fees using the BitPay prepaid debit card, which I find essential.
- Cryptocurrency Support: BitPay supports BTC, ETH, LTC, BCH, LINK, USDC, SHIB, XRP, and over 100 additional cryptocurrencies, offering a comprehensive solution for your digital currency transactions.
Pros
Cons
Reward Rate
When used at numerous locations, the BitPay Card instantly rewards you with cash back.
BitPay Card Limits:
- ATM Cash Withdrawal Monthly Limit: Up to $6,000
- Purchase Monthly Limit: Up to $30,000
Fees
BitPay Card charges 3% for foreign transactions and $2.50 for ATM withdrawals.
Link: https://bitpay.com/card/
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 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.
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.
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.
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.
- Nexo offers a robust and secure platform with top-notch cashback options, making it the ideal choice for those prioritizing security and rewards.
- Binance is an impressive choice with customizable features and great rewards, perfect for users looking for flexibility and high returns.
- CoinBase stands out with its comprehensive and user-friendly platform, offering remarkable benefits and a secure way to manage multiple currencies.