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Best 10 Crypto Cards for 2025
Updated September 26, 2025
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The crypto cards segment has exponentially grown, and so have the number of credit and debit cards. These cards are no less than fiat cards and are used in multiple places. We have searched through 100s of crypto cards (both credit and debit) and finally landed on the below-mentioned lists. It took us almost 36 hours to dig deep in understanding the offers and other nooks and crannies of the respective cards. Here is the summary of the best crypto cards that are making rounds.
Cryptocurrency Credit and Debit Cards List
1
1. Coinbase
- Earn upto 4% Bitcoin Back on purchases.
- Zero trading fees for members.
- More rewards on more assets.
2
2. Metmask
- Smooth integration with MetaMask wallets.
- Automatic fiat conversion at checkout.
- Low fees on multiple transactions.
3
3. Gemini
- Spend $3000 and earn $200 bonus.
- Earn upto 4% cash back.
- No foreign fee transactions or annual fees.
4
4. Crypto.com
- Tiered benefits and no FX charges.
- Rebates on OTT subscriptions.
- Earn 5% cash back on crypto spending.
5
5. Bybit
- 5 transactions in 5 different countries and win up to 300,000 USDT.
- Wide accessibility and free insurance.
- 10% cash back in many markets.
6
6. Gnosis
- 5% Cash back on GNO token spending.
- No fees on payments.
- Safe custodial Visa debit linked to Safe Smart Account.
7
7. Solayer
- Non-custodial and on-chain spending.
- Wallet integration on mobile devices.
- Up to 5% annual yields backed by U.S. Treasury.
8
8. Coinbase
- Hold more and earn more and tiered boosting plans.
- Zero hidden fees across channels.
- Everyday spending will help in earning crypto rewards.
9
9. Bitpay
- Some selective transactions gets 100% cash back.
- Auto conversion and multi asset spending.
- Tier structure reward system.
10
10. Wirex
- Upto $200 fee free ATM withdrawals.
- Earn upto 8% Cryptoback on purchases.
- Instant freeze option is available.
Top Crypto Cards Reviewed In Detail
1. Coinbase Credit Card
The Coinbase Credit Card enables you to use cryptocurrency anywhere Visa is accepted, automatically converting it to fiat currency at checkout. It accepts a huge variety of cryptocurrencies and allows users to flex their spending within the Coinbase app. Perfectly fitting people who already use Coinbase as a crypto exchange, this card will bridge the gap between digital and physical purchases. It’s a reliable choice for everyday crypto spenders who value convenience and a trusted exchange backing.
| Supported Cryptocurrencies | 100+, including BTC, ETH, USDC |
| Auto Conversion | Automatic crypto-to-fiat at checkout |
| Rewards & Fees | Up to 4% back in crypto; no annual fee |
| Any Extra Benefit | Integrated directly into the Coinbase app for easy management |
| Any Limitation | High conversion costs for frequent spenders |
Pros and Cons
- Accepts over 100 cryptocurrencies, including BTC, ETH, and USDC.
- No annual fee with simple app-based management.
- Conversion fees is relatively high.
- Limited extra lifestyle perks compared to competitors.
2. MetaMask Credit Card (Powered by Mastercard)
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.
| Supported Cryptocurrencies | ETH + ERC-20 tokens |
| Auto Conversion | Automatic fiat conversion at checkout |
| Rewards & Fees | ETH-based rewards; relatively low charges |
| Any Limitation | dApp & DeFi compatibility |
Pros and Cons
- Seamless integration with MetaMask wallets.
- ETH-based rewards with global Mastercard support.
- Limited regional availability.
- Still in early rollout, so adoption is limited.
3. Gemini Credit Card
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.
| Supported Cryptocurrencies | 60+, including BTC, ETH, DOGE |
| Auto Conversion | Real-time at the point of sale |
| Rewards & Fees | Up to 3% dining, 2% groceries and no annual fees. |
| Any Extra Benefit | Instant rewards (not monthly) |
| Any Limitation | Cashback rate drops after $6,000 dining spend |
Pros and Cons
- Instant rewards are deposited at purchase.
- No annual fee with broad crypto support.
- Highest 3% cashback capped at $6,000 dining spend annually.
- Limited lifestyle perks beyond cashback.
4. Crypto.com Credit Card
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.
| Supported Cryptocurrencies | CRO primarily (linked via Crypto.com exchange) |
| Auto Conversion | Crypto-to-fiat at checkout |
| Rewards & Fees | Up to 5% cashback; no annual fee |
| Any Extra Benefit | Netflix/Spotify rebates, lounge access, premium card design |
| Any Limitation | CRO staking requirement for full benefits |
Pros and Cons
- Rewards up to 5% CRO (native currency) cashback.
- Perks include Netflix/Spotify rebates and lounge access.
- Requires CRO staking for the best rewards.
- Rewards are CRO-token dependent, not flexible crypto choices.
5. Bybit Credit Card
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.
| Supported Cryptocurrencies | BTC, ETH, USDT, XRP via Bybit |
| Auto conversion | Automatic off-ramp from Bybit exchange |
| Rewards & Fees | Low exchange rates; some cashback perks |
| Any Extra Benefit | Direct trader integration with Bybit |
| Any Limitation | Coverage is limited outside Europe/UK |
Pros and Cons
- Direct exchange balance integration for fast liquidity.
- Low exchange rates for EUR/GBP purchases.
- Limited primarily to Europe and the UK.
- Still not widely available globally.
6. Gnosis Credit Card
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.
| Supported Cryptocurrencies | ETH, DAI, stablecoins in the Gnosis ecosystem |
| Auto Conversion | Crypto-to-fiat at checkout |
| Rewards & Fees | Low fees and no staking |
| Any Extra Benefit | Self-custodial wallet integration |
| Any Limitation | Early rollout with limited reach |
Pros and Cons
- Direct link to self-custodial Gnosis wallets.
- No staking or hidden high fees.
- Still in the initial rollout phase.
- Limited user adoption and merchant familiarity.
7. Solayer Credit Card
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.
| Supported Cryptocurrencies | Multiple tokens supported by Solayer |
| Auto Conversion | Real-time crypto-to-fiat via Mastercard |
| Rewards & Fees | Flexible cashback; low conversion fees |
| Any Extra Benefit | Web3-native transparency features |
| Any Limitation | New product; lacks broader benefits |
Pros and Cons
- Web3-native with decentralized infrastructure.
- Low conversion fees compared to peers.
- Still a newer product with limited adoption.
- Fewer lifestyle perks than established players.
8. BitPay Debit Card
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.
| Supported Cryptocurrencies | BTC, ETH, BCH, LTC, USDC, and more |
| Auto Conversion | Crypto-to-fiat at the time of load/spend |
| Rewards & Fees | No rewards; low fees, but ATM charges apply |
| Any Extra Benefit | Widely accepted with multiple wallet integrations |
| Any Limitation | No cashback or lifestyle perks |
Pros and Cons
- Supports spending from multiple wallets, not just exchanges.
- Easy reloads via the BitPay app.
- Broad U.S. availability.
- No cashback or reward perks.
- Fees for ATM withdrawals and card reloads.
9. Coinbase Debit Card
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.
| Supported Cryptocurrencies | 100+, including BTC, ETH, USDC |
| Auto Conversion | Automatic crypto-to-fiat at checkout |
| Rewards & Fees | Up to 4% back in crypto; no annual fee |
| Any Extra Benefit | Seamless Coinbase app integration |
| Any Limitation | High conversion fees for frequent spending |
Pros and Cons
- Supports over 100 cryptocurrencies.
- Up to 4% back in crypto rewards.
- Simple, app-based management.
- Conversion fees can be high.
- Limited perks compared to competitors.
10. Wirex Debit Card
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.
| Supported Cryptocurrencies | 30+, including BTC, ETH, LTC, XRP |
| Auto Conversion | Real-time crypto-to-fiat globally |
| Rewards & Fees | Up to 8% back in WXT; small conversion fees |
| Any Extra Benefit | Virtual card option for online payments |
| Any Limitations | Rewards locked to WXT token |
Pros and Cons
- Supports multiple fiat and cryptocurrencies.
- Up to 8% back in WXT tokens.
- Available as a physical or virtual card.
- Rewards are paid in WXT, limiting flexibility.
- Conversion fees vary by region.
How Many Types of Crypto Cards Are There?
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.
How Many Credit Cards Should One Have?
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.
Can Users Have Both Debit and Credit Crypto Cards?
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.
Pros and Cons of Crypto Cards
Pros and Cons
- They make it simple to spend crypto directly at millions of merchants, with instant conversion to fiat.
- Reward received by users in Bitcoin, Ethereum, or other tokens for everyday purchases, often with perks like lounge access or cashback.
- They’re widely accepted and convenient for users already holding tokens.
- Users don’t require prior crypto holdings to benefit.
- Choosing wisely ensures maximum benefit with minimal downsides.
- Spending crypto may trigger taxable events, and rewards are often limited compared to credit options.
- Many require staking coins for full rewards. Fees may be higher, and users risk falling into debt if balances aren’t paid off.
Evaluation Criteria for Crypto Credit Cards
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.
- Rewards and Cashback Rates are equally critical instant crypto rewards or tiered cashback directly impact long-term benefits.
- Conversion Fees and Costs must be evaluated, since high charges can outweigh rewards for frequent spenders.
- Usability and Global Acceptance are essential; Visa and Mastercard-backed cards ensure reliability at millions of merchants.
- Lifestyle Perks, such as lounge access, Netflix rebates, or premium card designs, add extra appeal, especially for frequent travelers.
- Ease of Integration with apps or wallets (Coinbase, MetaMask, Gnosis) also affects convenience.
Finally, Requirements and Limitations, such as staking tokens or regional restrictions, must be weighed carefully.
Conclusion
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.
- For Beginners : A debit card such as Coinbase is often the easiest to start with straightforward, app-integrated, and supporting over 100 cryptocurrencies.
- For Travellers : The Crypto.com Visa Card and Bybit Card in particular stand out, offering global acceptance, competitive exchange rates, and lifestyle benefits such as airport lounge access.
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.
Frequently Asked Questions
1. What is a crypto credit card and how does it work?
A crypto credit card works like a traditional credit card but rewards users in digital assets such as Bitcoin, Ethereum, or stablecoins. Some also provide perks like cashback, travel benefits, or streaming rebates.
2. Are crypto cards safe to use for everyday purchases?
Yes, crypto cards are generally safe when issued by trusted platforms like Coinbase, Gemini, or Crypto.com.
3. Do I need to hold cryptocurrency to apply for a crypto card?
Not always. Debit-style crypto cards require loading digital assets, which are converted at checkout.
4. What are the main fees associated with crypto cards?
Fees vary across providers. Some cards, like Gemini or Coinbase, have no annual fee but charge conversion fees when spending crypto.
5. Can using a crypto card affect my taxes?
Yes. In many countries, spending crypto via debit cards counts as a taxable event because it involves selling assets.
Disclaimer: The presented content may include the personal opinion of the author and is subject to market condition. Do your market research before investing in cryptocurrencies. The author or the publication does not hold any responsibility for your personal financial loss.
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