The emergence of crypto debit cards has revolutionized how we spend digital assets. These cards allow users to convert cryptocurrencies into fiat currencies instantly, enabling seamless transactions at millions of locations worldwide. Whether you're a frequent traveler, a daily spender, or a long-term crypto holder, there's a card tailored to your needs.
This guide explores the leading cryptocurrency debit cards available, comparing their features, rewards, fees, and accessibility to help you make an informed choice.
Wirex Visa Card
The Wirex Visa Card stands out for its versatility and user-friendly features. It supports over 36 cryptocurrencies and 150+ traditional currencies, making it ideal for international use. U.S. residents benefit from no issuance fees, monthly charges, or withdrawal costs. Transactions using crypto funds incur a modest 1% fee.
Cardholders enjoy up to 2% crypto cashback on purchases, rewarded in WXT—Wirex’s native token—which can be converted to other cryptocurrencies. The card also offers a referral program, awarding $10 in WXT for each successful referral.
Daily limits include $1,400 for ATM withdrawals and $2,500 for card top-ups. Additional features include in-app alerts, transaction history tracking, and zero fees on crypto-to-fiat conversions.
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Availability: Supports users in over 100 countries, including Hong Kong and Taiwan.
Nexo Mastercard
The Nexo Mastercard uniquely functions as both a credit and debit card. In credit mode, users can borrow up to $2 million against their crypto holdings without liquidating assets. In debit mode, it operates like a conventional card, accepted at 40+ million Mastercard locations worldwide.
There are no monthly, annual, or application fees. Virtual card options enhance online security. The card is tailored for users seeking liquidity without selling their crypto investments.
Availability: Only available to residents of the European Economic Area (EEA) and the UK.
Crypto.com Visa Card
Known as the world’s first metal crypto debit card, the Crypto.com Visa Card supports 100+ cryptocurrencies and 20 fiat currencies. Cashback rewards range up to 8%, depending on the amount of CRO tokens staked.
Premium tiers offer additional perks like free Netflix, Spotify, and Amazon Prime subscriptions, plus airport lounge access. The card is accepted at 40 million Visa locations globally and charges no annual fees.
Availability: Available in 100+ countries, including the U.S., UK, Australia, and numerous European and Asian nations.
Uphold Mastercard
Based in the UK, the Uphold Mastercard charges no annual or foreign transaction fees. It offers 4% cashback on XRP purchases, up to £50 per month. Users can spend cryptocurrencies, commodities, or fiat currencies stored in their Uphold wallet.
The virtual card integrates with Google Pay and Apple Pay for contactless payments.
Availability: Exclusive to Uphold users in the UK.
Bybit Card
Bybit Card, backed by Mastercard, emphasizes security and flexibility. It supports multi-asset spending and features a rewards program offering points for every euro or pound spent. Points can be redeemed in Bybit’s reward marketplace.
The card is optimized for Bybit traders, allowing seamless conversion of crypto to fiat.
Availability: Currently available to EEA and UK residents (excluding Croatia, Iceland, Ireland, Liechtenstein, and Romania).
Binance Visa Card
Issued by one of the world’s largest crypto exchanges, the Binance Visa Card integrates directly with Binance accounts. It supports 40+ cryptocurrencies and charges no issuance or monthly fees. Transaction fees are as low as 1%.
Cashback rewards can reach 8%, though top tiers require holding 600 BNB. The card includes 3D security verification but has relatively low daily ATM withdrawal limits.
Availability: Accessible to EEA and UK residents.
Monolith Visa Card
The Monolith Visa Card is the first debit card linked to a decentralized Ethereum wallet. It converts wallet assets to euros or pounds for spending. A 1% community fee applies, though using TKN tokens avoids this charge.
Availability: Available to EEA and UK residents.
Coinbase Card
The Coinbase Card connects directly to your Coinbase wallet, allowing spending in crypto or USDC. Assets are converted to USD, GBP, or EUR for transactions. U.S. users can earn 4% back in XLM or 1% in BTC.
Fees include a 2.49% spread on currency conversion and a 1.5% ATM withdrawal charge. The card supports Google Pay and is ideal for beginners.
Availability: Available to U.S. residents (excluding Hawaii).
BitPay Card
A pioneer in crypto payments, BitPay’s prepaid Mastercard supports 15 cryptocurrencies, including Bitcoin, Ethereum, and stablecoins. It offers automatic rewards on purchases and allows ATM withdrawals up to $6,000 daily.
No credit check is required, and there are no annual fees. However, foreign transactions incur a 3% fee, and ATM withdrawals cost $2.50.
Availability: Only for U.S. residents.
RedotPay Card
Launched in 2023, RedotPay is a Hong Kong-based platform offering virtual and physical cards. It supports Bitcoin, Ethereum, USDC, and USDT, with plans to add more cryptocurrencies. Key advantages include zero monthly fees, no forex markup, and low transaction costs.
With basic KYC, transaction limits go up to $1,000; advanced KYC allows up to $100,000 per transaction.
Availability: Not available in the U.S., China, and several other jurisdictions.
Frequently Asked Questions
What is a crypto debit card?
A crypto debit card allows you to spend digital currencies at everyday merchants by converting crypto to fiat in real-time. It works like a traditional debit card but is funded with cryptocurrency.
Are crypto cards safe?
Yes. Most crypto cards incorporate advanced security features like EMV chips, 3D verification, and virtual card options. They are issued by regulated financial institutions and often include fraud protection.
Do I need to convert crypto to fiat before spending?
No. Most cards automatically convert your cryptocurrency at the point of sale, so you can spend directly from your crypto wallet.
Which card offers the best rewards?
Cards like Crypto.com and Binance offer high cashback rates but may require staking native tokens. Wirex and Uphold provide consistent rewards without staking obligations.
Can I use crypto cards internationally?
Yes. Most of these cards support global transactions and multi-currency wallets, making them ideal for travel.
How do I avoid fees?
Choose cards with no monthly or issuance fees, and be mindful of conversion spreads and ATM charges. Some cards waive fees when using their native tokens.
Conclusion
Crypto debit cards bridge the gap between digital assets and everyday spending. Whether you prioritize rewards, low fees, or global accessibility, there’s a card that fits your needs. Always consider supported currencies, fees, and regional availability before applying.