The article breaks down the best crypto credit, debit, and prepaid cards for 2025. This comprehensive list contains all active crypto cards that are popular, reputable, and user-friendly. As the advent of crypto cards is evolving, the good card isn’t defined by hefty rewards or simply an entry card for Web3. Users now seek low FX and conversion fees, reliable solvency, transparent limits, flexible custody options, and smooth payment procedures.
Keeping all these requirements in mind, I have curated a ranking criterion wherein I have taken into account factors such as staking requirements, FX spreads, conversion fees, solvency, ATM limits, custody structure, reward liquidity, and overall user experience. Overall, this article has an expert-driven analysis that will help users understand the top crypto cards better.
You can view the full evaluation framework below.
CoinGape has covered the cryptocurrency industry since 2017, aiming to provide informative insights to our readers. Our journalists and analysts bring years of experience in market analysis and blockchain technology to ensure factual accuracy and balanced reporting. You can read more about our review methodology to get more information on the ratings below. In order to provide our readers with accurate and unfiltered information, we work hard to uphold the highest standards for our editorial policy.
Use filters or compare projects to choose the best Credit and Debit Cards for you.
The Gemini Card is a crypto credit card globally available and was introduced by Gemini Trust Company in 2021. It specializes in no-stakes rewards that are instantly transferred to the Gemini account of a user. The card is compatible with over 70 currencies, including such significant assets as BTC, ETH, and USDT. To be eligible, one must have standard KYC verification with a government ID, and the card is accepted in 60+ countries, such as the U.S. and Europe.
Being a Mastercard, it has wide merchant acceptance. The card does not have an annual fee, and some ATM and FX fees could be charged based on the area, though the structure is usually simple. Security is also provided with 2FA, instant freeze, and conventional Mastercard fraud protection. The card supports Apple Pay and Google Pay, and allows users to create virtual cards within the app, as well as get access to a lounge with specific tiers, high-end card design, and the ability to track expenses inside the app. Gemini Card is the most appropriate option, as it offers users a simple, no-stakes crypto rewards card with a broad asset coverage and high international utility.
In my review, I discovered that Gemini has very low fees: no annual or foreign transaction fees, which is unusual for a cryptocurrency rewards card.
The advantages are significant, particularly in high-usage categories such as gas, transportation, and dining, and the 50 or more crypto options provide excellent flexibility. During my research, I discovered that this card is outstanding in terms of security because the number is not printed on the physical card; instead, you can access it via the app/web, which is a smart idea. On the downside, the APR on carry balances is higher and thus better suited to those who pay it off at all times. Overall, this is a simple, straightforward crypto rewards card.
| Annual Fee | None |
| Foreign transaction fee | None |
| Cash advance fee | $10 or 3%, whichever is greater |
| Late payment fee | Up to $8 |
| Returned payment fee | Up to $35 |
| Magnum Standard purchase APR | 18.99%-34.99% (depends on creditworthiness) |
The MetaMask Mastercard focuses on DeFi and Web3 users, providing you with a card you can use to spend with your MetaMask wallet. It also makes transactions easier, whereby the crypto is converted into fiat automatically at the point of checkout, and one does not have to transfer funds to fiat before doing so. The card is an ideal fit for the users of decentralized apps (dApps) who need it for daily use. This makes it one of the most future-ready solutions for bridging Web3 crypto wallets with real-world payments.
Gemini Credit Card allows people to earn crypto as simply as swiping, and it gives rewards directly in Bitcoin, Ethereum, and 60+ other coins. Reward is provided instantly upon purchase, as opposed to the majority of the crypto cards. It has Mastercard support and, therefore, global acceptance. Perfect for those who want consistent, real-time crypto rewards on their daily purchases.
The Crypto.com Visa Card presents one of the most favored on the market, with tiered rewards of up to 5% cashback, depending on CRO staking. It is a card of lifestyle which includes some other benefits, such as Spotify and Netflix, ix, and access to airport lounges. Its combination of rewards and lifestyle perks makes it a versatile card for both spending and travel.
The Bybit Credit Card is a Visa-based crypto debit/credit card offering users the possibility to use digital assets in over 200 countries worldwide. It has a direct connection to the Bybit exchange, which allows off-ramping of crypto without converting it manually. It is based on the needs of frequent traders who require fast access to liquidity. It’s best suited for active crypto traders who frequently convert assets into usable cash.
Gnosis Pay card uses the Gnosis ecosystem, which enables immediate expenditure from self-custodial wallets. It intermediates the traditional finance along with DeFi and allows merchants to receive crypto payments and schedule payments in fiat. It should be used by people who care more about decentralization and control. This balance of decentralization with practicality makes it appealing to Web3-native users.
The Solayer Credit Card is dedicated to Web3 transactions, which is why users can easily and safely spend digital assets. It is supported by Mastercard, which provides easy international use, and is supported by the decentralized infrastructure provided by Solayer as an additional transparency factor. As it matures, the card has the potential to become a leading option for decentralized finance and Defi coin users.
BitPay Mastercard Debit Card offers users a reliable solution to spending Bitcoin and other assets. It accepts direct funding in its wallet application, so you are not confined to any particular platform, in contrast to exchange-linked cards. The card will enable an immediate conversion of crypto into fiat and prepaid balances, which can be spent everywhere Mastercard is accepted. This renders it to be used both online and offline.
The BitPay app allows users to easily reload funds, and the card is ubiquitous in the U.S. Although it does not offer any flashy perks or cashback schemes, it is valued due to its simplicity, reliability, and simplicity- suitable to those who value straightforward crypto spending.
The Coinbase Visa Debit Card is offered to those who have an account in Coinbase exchange. It also offers a first step to your account and supports more than 100 cryptocurrencies, such as Bitcoin, Ethereum, and USDC. When you check out, your preferred crypto is automatically converted to fiat, which allows you to spend without any issues at millions of Visa merchants around the globe.
In the Coinbase application, a user can easily handle transactions, select which crypto to spend, and even track rewards. The card has up to 4 percent back in crypto, so it has one of the more rewarding structures of debit cards. But conversion fees will accumulate sooner when one uses it frequently. In general, it is user-friendly, easy to manage, and is best suited to any user who holds money on Coinbase.
The Wirex Visa Card provides one of the most versatile crypto-spending systems in the world. It is compatible with over 30 cryptocurrencies and various fiat currencies, and it is thus suitable for international users. The card instantly swaps crypto into fiat upon checkout and could be used both in real life and online to go shopping. One of the best features is the Cryptoback program offered by Wirex that will provide users with up to 8% in cashback rewards in the form of WXT tokens. This renders it an effective alternative to individuals seeking to earn rewards on their crypto across the globe.
As well, the app enables the simple management of fiat and crypto balances. Although the only available rewards are WXT and regional conversion fees, the fact that Wirex is global and has the dual physical/virtual card structure is a plus and makes it flexible.
Crypto cards are not limited to debit or credit; they now fall into six categories. Crypto Debit Cards act like prepaid cards, letting users load crypto and spend in fiat at checkout (e.g., Crypto.com Visa Card).
Crypto Credit Cards mirror traditional credit cards but reward users in BTC, ETH, or other tokens (e.g., Gemini Credit Card).
Crypto Prepaid/Gift Cards are preloaded with value and work like vouchers BitPay gift cards are widely used for online stores. Crypto Virtual Cards are digital-only, offering flexibility and safer online payments (e.g., Wirex, Revolut).
Then we have Custodial vs. Non-Custodial Cards custodial ones are issued by exchanges holding funds, while non-custodial options like Gnosis Pay give full wallet control. Finally, Hybrid Cards such as Nexo support both fiat and crypto balances, allowing easy switching. Together, these categories highlight the variety of solutions bridging crypto with everyday finance.
When it comes to credit cards crypto or traditional the ideal number depends on your lifestyle and discipline. For most people, one or two cards are enough. For example, you might keep a crypto rewards card for earning tokens like BTC or ETH on purchases, alongside a traditional cashback card for stability.
Some users, especially frequent travelers or heavy spenders, may benefit from three to four cards, each focused on different perks such as dining, groceries, or travel. However, too many cards can lead to complications like high annual fees, missed payments, and a negative impact on your credit score.
For crypto cards specifically, it’s smart to focus on one reliable option that fits your needs such as Crypto.com for lifestyle perks or Gemini for instant crypto rewards. Keeping it simple ensures you maximize benefits without the headache of managing multiple accounts.
Yes, users can hold both a crypto debit card and a crypto credit card, and in fact, doing so can be quite practical. A crypto debit card is best for spending your actual crypto holdings such as Bitcoin, Ethereum, or stablecoins without manually converting them to fiat. It’s straightforward and useful for everyday expenses.
Meanwhile, a crypto credit card allows you to spend in fiat while earning rewards in tokens. For instance, the Gemini Credit Card offers instant rewards in BTC or ETH, while Crypto.com’s Visa Card adds perks like Netflix rebates.
Using both together offers flexibility: you can rely on the credit card for big purchases and rewards while keeping the debit card for quick access to your existing crypto. The main challenge is staying disciplined—tracking fees, rewards, and potential tax implications. When managed well, combining both types provides the best balance.
When assessing crypto credit cards, several factors determine their overall value for users. Supported Cryptocurrencies matter because broader support (BTC, ETH, stablecoins) offers flexibility, while limited-token cards reduce usability.
Finally, Requirements and Limitations, such as staking tokens or regional restrictions, must be weighed carefully.
Among the cards reviewed, the Crypto.com Visa Card stands out as the most versatile option overall. Its tiered rewards system (up to 5% cashback), lifestyle perks like Netflix and Spotify rebates, and global Visa acceptance make it a strong all-rounder.
Crypto cards are an excellent entry point into the world of digital finance. A strong crypto credit card balances usability, rewards, and cost efficiency while minimizing barriers for everyday adoption.
5M+ Monthly Page Views
50k+ Articles
Newsletter
