Cryptocurrencies continue to evolve beyond speculative assets, inching closer to real-world utility. Despite growing adoption, crypto payments are still far from mainstream in everyday transactions. Many retailers don’t accept digital currencies due to high cryptocurrency volatility, regulatory uncertainty, and limited understanding of blockchain technology. This gap has fueled demand for practical financial tools—enter crypto cards.
These innovative financial products bridge the divide between digital assets and traditional spending. Crypto cards—whether debit or credit—allow users to spend their cryptocurrency seamlessly at millions of merchants worldwide, just like a regular Visa or Mastercard. Behind the scenes, the crypto is instantly converted into fiat currency, so merchants receive familiar payment while users enjoy the flexibility of using their digital holdings.
Issued by leading crypto exchanges, fintech platforms, and decentralized finance (DeFi) organizations—often in partnership with licensed banks—these cards support major payment networks like Visa, Mastercard, and Apple Pay. They are fully compliant with financial regulations, making them a secure and legal way to integrate crypto into daily life.
In this guide, we explore the top 10 crypto cards available in 2025, evaluating their features, fees, cashback rewards, supported cryptocurrencies, and regional availability to help you choose the best fit.
How Do Crypto Cards Work?
When you make a purchase using a crypto card, the platform automatically converts your cryptocurrency into local fiat currency (e.g., USD, EUR) at the point of sale. This conversion happens in real time, ensuring smooth transactions without requiring merchants to accept crypto directly.
👉 Discover how easy it is to turn crypto into everyday spending power.
The process is simple:
- Load your card with supported cryptocurrencies.
- Use the card online or in-store like any standard debit or credit card.
- The system deducts the equivalent fiat amount from your crypto balance.
This seamless integration makes crypto cards one of the most practical tools for spending cryptocurrency in real life.
Top 10 Crypto Cards in 2025
1. Binance Crypto Card
Type: Debit
Available in: 31 EEA countries
Supported Cryptos: BNB, BTC, ETH, USDT, BUSD, ADA, DOT, and more
Binance offers a powerful debit card linked directly to your exchange account. With no maintenance fees and up to 8% cashback in BNB, this card rewards active users. Virtual cards allow instant spending, while physical cards support daily limits up to €8,700. Google Pay and Samsung Pay are fully supported.
2. Crypto.com Card
Type: Debit (prepaid)
Available in: 31+ countries
Supported Cryptos: Over 100 cryptocurrencies
One of the most popular options, the Crypto.com card offers tiered benefits based on CRO staking. Higher tiers unlock premium perks like free Netflix or Spotify subscriptions, airport lounge access, and up to 100% cashback on select services. No annual fees for CRO stakers make this a top choice for long-term holders.
3. Coinbase Card
Type: Debit
Available in: USA + 29 international markets
Supported Cryptos: BTC, ETH, LTC, XLM, BAT, and 6 others
Backed by one of the most trusted names in crypto, the Coinbase Card lets U.S. users spend crypto with ease. It supports staking on idle balances and offers up to 4% cashback. While international fees apply beyond $200 monthly spending, its reliability and integration with the Coinbase ecosystem make it a solid pick.
4. BlockFi Card
Type: Credit
Available in: United States (excluding NY)
Supported Cryptos: BTC, ETH, LTC, and 14 others
A rare crypto credit card, BlockFi allows users to borrow against their crypto holdings. It offers up to 2% cashback and low transaction fees (0.25%). Ideal for those seeking leverage without selling their assets, though availability is limited to U.S. residents.
👉 See how you can maximize rewards while spending crypto.
5. Revolut
Type: Debit
Available in: 37 countries
Supported Cryptos: BTC, ETH, LTC
Revolut blends traditional banking with crypto functionality. Its multi-tiered plans offer features like travel insurance and discounted FX rates. The free plan includes basic crypto purchases, while premium plans provide 1% cashback and higher exchange limits.
6. Nuri (formerly Bitwala)
Type: Debit
Available in: EU, UK, Switzerland
Supported Cryptos: BTC, ETH
Nuri stands out with full banking integration in Germany and deposit insurance up to €100,000. It offers no ATM withdrawal fees and up to 4% cashback, making it ideal for European users prioritizing security and simplicity.
7. BitPay Card
Type: Debit
Available in: USA, Canada, Mexico, Europe
Supported Cryptos: BTC, ETH, DOGE, SHIB, USDC, DAI, and 12+ others
BitPay supports a wide range of tokens and integrates with wallets like MetaMask and Trezor. While it charges a $10 issuance fee and $5 monthly inactivity fee, its broad crypto support appeals to experienced users.
8. Xapo Card
Type: Debit
Available in: Global (varies by application)
Supported Cryptos: BTC, USD
Xapo Bank offers strong security with up to 2% annual yield on USD balances and 1% on BTC holdings. However, the $150 annual fee is steep compared to competitors—best suited for high-net-worth individuals valuing asset protection.
9. Wirex
Type: Debit
Available in: 150+ countries
Supported Cryptos: 50+ cryptocurrencies
Wirex delivers global accessibility with free monthly ATM withdrawals (up to SGD 400 equivalent). Users earn 2% cashback in WRX tokens, enhancing long-term value. Competitive fees and multi-currency accounts boost its appeal for frequent travelers.
10. Unbanked (formerly BlockCard)
Type: Debit
Available in: USA only
Supported Cryptos: 16 cryptocurrencies
Unbanked offers dynamic cashback of up to 6.38% in any cryptocurrency, especially rewarding for active spenders who stake. Monthly fees drop to zero if spending exceeds $750—ideal for heavy users seeking flexible rewards.
Debit vs Credit Crypto Cards: What’s the Difference?
The distinction mirrors traditional finance:
- Debit cards use funds you already own (loaded via crypto).
- Credit cards let you borrow money from the issuer—often with interest—enabling spending beyond your current balance.
Currently, most crypto cards are debit-based due to regulatory complexity around lending digital assets.
How to Choose the Right Crypto Card
Consider these key factors:
- Jurisdiction: Ensure the card is available in your country.
- Fees: Watch for issuance, maintenance, ATM withdrawal, and foreign transaction costs.
- Supported cryptos: Pick a card that accepts your preferred coins.
- Cashback & rewards: Compare return rates and payout forms (e.g., fiat vs token).
- Security & regulation: Opt for regulated providers with strong compliance records.
- Additional features: Look for Apple Pay support, staking rewards, or travel benefits.
👉 Find the perfect crypto card that matches your lifestyle and goals today.
Pros and Cons of Crypto Cards
Advantages:
- Spend crypto anywhere Visa/Mastercard is accepted
- High transaction limits
- Low or zero maintenance fees
- Attractive cashback and bonus programs
- Seamless integration with mobile payment apps
Drawbacks:
- Geographic restrictions apply
- Some platforms lack full regulatory oversight
- Conversion fees may add up over time
- Limited credit card options
Frequently Asked Questions (FAQ)
What is a crypto card?
A crypto card is a debit or credit card that lets you spend cryptocurrency at regular merchants by converting digital assets into fiat currency during transactions.
How do I get a crypto card?
Sign up with a supported provider (like Binance or Crypto.com), complete KYC verification, and request your card through their app or website.
Which is the best crypto debit card?
The best option depends on your location and needs. For high cashback, consider Crypto.com; for U.S. users, Coinbase or Unbanked are strong contenders.
Do crypto cards work internationally?
Yes—most operate globally via Visa or Mastercard networks. However, check foreign transaction fees before traveling.
Are there fees for using a crypto card?
Yes—common fees include ATM withdrawals (typically $2–$3), currency conversion (1–2%), and potential inactivity charges (e.g., BitPay).
Can I earn rewards with a crypto card?
Absolutely. Many cards offer cashback in crypto or native tokens (like CRO or WRX), staking rewards, or subscription perks.
By merging the innovation of blockchain with everyday financial convenience, crypto cards represent a major leap toward mainstream adoption. Whether you're a seasoned investor or new to digital assets, choosing the right card can enhance your financial freedom and reward your spending habits—all while keeping your crypto working for you.