Using a crypto card to spend or earn cryptocurrencies like Bitcoin or Ethereum can offer unique rewards compared to traditional cards. This article profiles the best crypto cards around today.
Whether opting for a credit or debit crypto card, understanding the associated risks is essential. The crypto market’s volatility and the heightened regulatory scrutiny in this evolving sector can mean your balances may fluctuate, and your card could be pulled by your provider. In the last year, for example, Binance, Bitpay, Bitwala, Monolith and Ternio have all withdrawn or paused their cards.
Nonetheless, for the cards that remain, the Visa and Mastercard backing means they are widely accepted and can provide an innovative way to engage with digital currencies. Here’s some of the best crypto cards around today.
Crypto's Best Debit & Credit Cards
Nexo Card
Features: Hybrid debit/credit lets you spend from your crypto balance without selling your assets, offering up to 2% cashback in the form of NEXO tokens or 0.5% BTC.
Availability: Europe (EEC) and the UK only.
Rewards Program: Cashback is credited to your Nexo account.
Terms and Conditions: No annual or monthly fees, but funding terms apply for maximum cashback rewards and spending limits.
Coinbase
Features: The Coinbase Card allows U.S. customers to spend their crypto like traditional currency with a Visa debit card linked to their Coinbase balance. Features include a mobile app for tracking and security purchases, support for 40 cryptocurrencies, and contactless payments.
Availability: US only.
Rewards Program: Up to 4% back on purchases – choose between 4% XLM back or 1% BTC back.
Terms and Conditions: No card issuance or annual fee, but a 2.49% cryptocurrency liquidation fee applies for most transactions, except those in USDC.
Wirex Card
Features: Allows spending of crypto and fiat currencies with real-time conversion at point-of-sale, offering up to 8% rewards in WXT on all spending.
Availability: 130 countries worldwide.
Rewards Program: Rewards are in the form of Wirex’s native token (WXT), with additional perks for holding and spending WXT.
Terms and Conditions: No monthly fee for the standard plan, but a premium plan is available for a fee, offering higher rewards.
Crypto.com
Features: Offers a hybrid debit/credit feature, enabling spending from crypto balances without selling assets. Various benefits available depending on the card tier, which is determined by the amount of CRO staked.
Availability: Available globally, with eligibility varying by region.
Rewards Program: Rewards are instantly credited to the cardholder’s Crypto.com account. Cashback up to 8% in CRO on purchases.
Terms and Conditions: No annual or monthly fees, tier-based spending limits and rewards, with higher tiers offering additional perks such as airport lounge access and subscription rebates.
Gemini
Features: The Gemini Credit Card links holders directly to their Gemini exchange accounts.
Availability: US only.
Rewards Program: Offers up to 4% back on gas and EV charging (up to $200 spend per month), 3% on dining, 2% on groceries, and 1% on all other purchases. Rewards are available in Bitcoin, ether, or over 40 other cryptocurrencies and are deposited into your Gemini account instantly upon transaction.
Terms and Conditions: No annual fee, no foreign transaction fees.
Nebeus
Features: The Nebeus Debit Card supports EUR or GBP and offers features like receiving salary, third-party payments, and transfers to Nebeus crypto investments.
Availability: Europe and UK only.
Rewards Program: No rewards program.
Terms and Conditions: Monthly fees range from zero to €4.95 or €6.95 depending on card tier and balance. Transaction fees from 2-3.5%.
CoinZoom
Features: The CoinZoom Visa Debit Card features include spending in USD or crypto and airdrops.
Availability: US only.
Rewards Program: Tier-based rewards from 1-5% back in ZOOM on every purchase, influenced by ZOOM holdings
Terms and Conditions: No annual fee. Rewards are instantly available and can be used immediately. 5% rewards back requires 300,000 ZOOM tokens which is around $2500 at current prices.Z
Crypterium (by Choise)
Features: The Crypterium Card is part of Crypterium’s broader crypto mobile app ecosystem, offering exchange services, a wallet, and AI predictions.
Availability: Worldwide
Rewards Program: None.
Terms and Conditions: A monthly fee from zero to €2.99 depending on your tier. Zero transaction fees.
AI Analysis
Features: The AIA Card, bridging crypto and fiat supports major cryptocurrencies like BTC, ETH, USDT, and USDC. It provides very high limits with €2k daily ATM withdrawals and €100k monthly spending.
Availability: Global except for sanctioned countries.
Rewards Program: None
Terms and Conditions: Very high annual fee (€180.00) and application fee (€240.00). Numerous other fees – 2.5% to top up, a 2% transaction fee for using the card outside of Europe.
