Top 6 Crypto Debit Cards for Effortless Spending

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Are you a cryptocurrency enthusiast looking for a way to conveniently spend your digital assets in the real world? If so, you may be interested in getting yourself one of the best crypto debit cards available in the market.

Several leading crypto platforms now provide crypto debit cards. Based on user feedback and features, I’ve selected the ones that offer the most value. Each card has its own unique features and benefits, so it's important to determine which suits you best.

Here are the top crypto debit cards we’ll explore:

Let’s dive into the details.

Bybit Card: Zero Annual Fees

Ranks #1 out of 6

What We Liked:

What We Didn’t Like:

Cashback: Up to 10%

Fees: 1% foreign exchange fee, 0.9% crypto conversion fee, and 2% ATM withdrawal fee

Eligibility: Residents of Australia, Argentina, Brazil, AIFC, and EEA (excluding Croatia, Iceland, Ireland, Liechtenstein, and Romania)

Bybit is a well-known cryptocurrency derivatives trading platform that launched its crypto debit card in early 2023. The virtual card was released in February, followed by the physical version in March.

The Bybit Card allows users to spend crypto assets anywhere Mastercard is accepted, making it incredibly versatile. Residents of eligible European Economic Area (EEA) countries and Australia can apply.

Supported assets include EUR, GBP, and USD for fiat, and BTC, ETH, XRP, USDT, and USDC for cryptocurrencies. The card’s multi-asset spending capability lets you manage your crypto balance easily.

One of its biggest advantages is zero annual fees. There are also no cancellation or inactivity fees. However, a 1% foreign exchange fee, 0.9% crypto conversion fee, and 2% ATM withdrawal fee (after free limit) apply.

Security features include multi-factor authentication, real-time monitoring, and advanced data encryption.

The Loyalty Reward program lets you earn points with every crypto spend, redeemable in Bybit's Rewards Market. VIP traders enjoy additional perks like higher cashback rates and reward multipliers.

To apply for the Bybit Card:

  1. Ensure your account is linked to an email and mobile number, with two-factor authentication enabled.
  2. Complete KYC verification with proof of identity and address.
  3. Apply through the website or mobile app.

The virtual card is available immediately after verification. The physical card requires a €5/£5/$5 issuance fee and arrives within 30 days.

👉 Compare crypto card rewards and features

Coinbase Card: Minimal Fees

Ranks #2 out of 6

What We Liked:

What We Didn’t Like:

Cashback: Up to 4%

Fees: A spread applies when buying, selling, or trading crypto

Eligibility: Residents of the U.S., UK, and most EEA countries

The Coinbase Card allows you to spend crypto assets anywhere Visa is accepted. You can easily convert digital assets into fiat and manage your funds through the Coinbase app.

Cashback rewards of up to 4% are offered, though rates vary monthly and depend on the cryptocurrency you choose for rewards. Options include BTC, ETH, XLM, and others.

Security is a strong suit, with two-factor authentication, biometric verification, and cold storage for funds. KYC verification is required.

The card is available only in certain countries, so verify eligibility before applying.

KuCoin Card: High Cashback and Rewards

Ranks #3 out of 6

What We Liked:

What We Didn’t Like:

Cashback: Up to 4.7%

Fees: €9.99 issuance fee, 2% foreign transaction fee, €1.50 Euro withdrawal fee, 2% non-Euro withdrawal fee, €10 annual maintenance fee

Eligibility: Residents of most EEA countries (not available in the UK)

The KuCoin Card (KuCard) is a Visa-backed card that supports instant crypto-to-fiat conversion. It supports USDT and EUR, with more assets planned.

Users can earn cashback in cryptocurrencies like BTC, ETH, USDT, or KCS, along with vouchers, gift cards, and other perks.

To apply, you must be a resident of an eligible country, create a KuCoin account, and complete KYC. An issuance fee of €9.99 applies.

KuCoin is known for its strong security and user-friendly interface.

CEX.IO Card: Wide Crypto Support

Ranks #4 out of 6

What We Liked:

What We Didn’t Like:

Cashback: Not available currently

Fees: None

Eligibility: EEA residents

Launched in May 2024, the CEX.IO Card is a Mastercard-backed debit card that allows instant spending of crypto or Euro. It supports over 200 cryptocurrencies.

There are no annual, spending, commission, or foreign exchange fees. Daily spending limits are €3,000, with a €10,000 monthly cap.

To get the card, create a CEX.IO account, complete KYC, and claim your virtual card through the app. A physical card may be released in the future.

Crypto.com Card: Tiered Options

Ranks #5 out of 6

What We Liked:

What We Didn’t Like:

Cashback: Up to 8%

Fees: 1% card top-up fee, 2% ATM withdrawal fee (after free limit), €50 account closing fee, card replacement fee (€45–50), €4.99 issuance fee, €5 inactivity fee, 0.2–2% foreign transaction fee

Eligibility: Residents of the U.S., UK, Australia, Singapore, Canada, and Europe

Crypto.com offers five Visa prepaid card tiers, from the free Midnight Blue card to the premium Obsidian card. Higher tiers require staking CRO tokens but offer better cashback and perks like Netflix and Spotify subscriptions.

The mobile app makes it easy to manage your card and track spending. Fees are relatively high compared to other options.

Wirex Card: High Cashback in WXT

Ranks #6 out of 6

What We Liked:

What We Didn’t Like:

Cashback: Up to 8%

Fees: ATM withdrawal fees apply after exceeding the free limit

Eligibility: Residents of Australia, UK, most EEA countries, Singapore, and others

The Wirex Card allows you to spend cash, stablecoins, and cryptocurrencies worldwide. It supports both physical and virtual cards, with no issuance or annual fees.

The app provides instant alerts and multi-language support. KYC verification is required.

Cashback rewards are paid in WXT, Wirex’s native token.

How Crypto Debit Cards Work

A crypto debit card links your cryptocurrency wallet to a physical or virtual card, allowing you to spend digital assets anywhere traditional cards are accepted. When you make a purchase, the card provider converts your crypto to fiat at the current exchange rate.

To use a crypto debit card, you must first acquire cryptocurrencies through an exchange or other means. Once you fund your card, you can use it for everyday transactions.

Many cards offer rewards programs, travel insurance, and purchase protection. However, they may also come with geographical restrictions, transaction fees, and tax implications.

👉 Explore secure crypto spending options

Frequently Asked Questions

What is a crypto debit card?
A crypto debit card allows you to spend cryptocurrencies like Bitcoin or Ethereum at merchants that accept traditional debit cards. The card automatically converts your crypto to fiat currency during transactions.

Are crypto debit cards safe?
Yes, most crypto debit cards incorporate advanced security features such as two-factor authentication, encryption, and real-time fraud monitoring. However, always choose a card from a reputable provider.

Do I need to complete KYC to get a crypto debit card?
In most cases, yes. Know Your Customer (KYC) verification is required to comply with financial regulations and prevent fraud. This usually involves providing identification and proof of address.

Can I use a crypto debit card internationally?
Many crypto debit cards support international transactions, though foreign exchange fees may apply. Always check your card’s terms regarding international use.

How are rewards paid out?
Rewards are typically paid in cryptocurrency or cashback directly into your account. Some cards offer rewards in their native tokens, which can be traded or used within the platform.

Are crypto transactions taxable?
In many countries, spending cryptocurrency is considered a taxable event. You may be liable for capital gains tax when you convert crypto to fiat. Consult a tax professional for advice.

Conclusion

Crypto debit cards make it easy to spend your digital assets in everyday situations, from buying groceries to paying bills. When choosing a card, consider factors like fees, supported cryptocurrencies, rewards, and eligibility.

Top options include the Bybit Card for its zero annual fees, the Coinbase Card for its strong security, and the KuCoin Card for high cashback. Other notable choices are the CEX.IO Card for wide crypto support, Crypto.com Card for tiered benefits, and Wirex Card for rewards in WXT.

Whether you’re a frequent spender or occasional user, there’s likely a crypto debit card that fits your needs. Always research and compare options to find the best fit for your financial habits.