No annual, no FT fees
US (except New York)
No monthly fee, top-up fee1%(0% with DAI and TKN)
EEA, UK
No monthly fees, credit line rates starting from 0% APR
EEA Citizens
No monthly fees, no FX fees, no exchange fees
US citizens
No Annual Fee
US, EU, UK
No card issuing fees, no signup fees, no annual fees
EEA Residents
No annual fee, no maintenance fee
Worldwide
• Free multi-currency Mastercard or Visa Debit Card
• 2% cashback in their currency Wirex
• Free transfers to other Wirex users
• Interest Account
• Low fees & High limits
No annual fee
EEA, Australia, Hong-Kong, New Zealand, Singapore, Taiwan
• Free International transfer within SWIFT
• You can send up to 1,000 EUR each month without exchange fees; a 0.5% fee applies when exceeding this threshold.
• Transparent fees
• Virtual cards
• Supports Cryptocurrencies
• Insurance options with higher planes
• Revolut Bank
No annual fee
EEA, Australia, Singapore, Switzerland, Japan, the US, and the UK.
No annual fee, no exchange fees
EEA countries
Type: Prepaid Debit Card
Supported Coins: 90+
Rewards: Up to 8% cashback on transactions
Availability: Worldwide, Anywhere that Visa cards are accepted
Crypto.com is a well-known cryptocurrency exchange and one of the most infiltrated into our everyday life. They offer one of the best crypto mobile apps that you can use for trading a plethora of cryptocurrencies and also a Crypto.com Visa Rewards card.
Before making the purchase, you need to load your crypto funds to the card and convert them to your preferred fiat currency. It's a prepaid card, and you can top up your account using bank transfers, credit or debit cards, cryptocurrencies, or PayPal.
Crypto.com offers up to 5% cashback (it was up to 8% in the past) on purchases. The cashback percentage highly depends on the staking amount of their native token CRO. There are five Crypto.com card tiers, each offering a different cashback percentage and additional perks.
Crypto.com card is excellent for all who want to go all-in, stake large amounts of their token, and benefit from the premium perks and cashback.
Benefits highly depend on the card tier you opt for:
You can read our detailed review of the Crypto.com Visa card here.
Type: Credit Card
Supported Coins: 60+
Rewards: Up to 3% cashback on transactions
Availability: For US citizens only; anywhere that Mastercard cards are accepted
Gemini is a leading cryptocurrency exchange founded in New York by the known twins Winklevoss, Cameron, and Tyler.
With a Gemini Credit card, you can benefit from rewards on every purchase. In addition, you can select the currency you want to receive your rewards - BitCoin, Ethereum, or any other 60+ supported currencies.
You need to go through the pre-qualification process to see if you are eligible to receive the card. There are no annual fees, and they also promise no foreign transaction fees or exchange fees to acquire your crypto rewards.
Gemini credit card allows you to use your crypto rewards immediately as your earnings land in your account right after you purchase.
The card is available only for US residents, and you can select from black, silver, or rose gold metal cards. You need a Gemini account to deposit the rewards. The card issuer is WebBank, a digital lending bank.
The Gemini Credit card is excellent for everybody looking for a convenient way to convert rewards directly into crypto instantly.
Type: Debit Card
Supported Coins: 150+
Rewards: 4% cashback
Availability: US and EU residents, Anywhere where Visa is accepted.
Coinbase is a popular crypto exchange suitable for everyone just entering the crypto world. Their Coinbase Visa debit card allows you to spend your crypto assets and earn rewards for every purchase in the coins of your choice - up to 4%.
There is no credit check or requirement to stake your assets to become eligible for the card.
They have a beginner-friendly mobile app where you receive all push notifications and track your transactions. When it comes to safety, you can set up two-step verification and have the possibility to freeze your card anytime through the app.
When withdrawing from ATM or paying with the card, Coinbase will convert funds from your spending wallet to process the withdrawal or any payment. There is a daily spending limit of $2,500 and a daily $1,000 ATM withdrawal limit.
You can add your Coinbase Card to Apple Pay or Google Pay for mobile payments.
Coinbase Visa card is great for beginners using Coinbase exchange who want to shop with cryptocurrency or make withdrawals at ATMs easily.
Type: Debit Card
Supported Coins: 32+
Rewards: Up to 2% cashback on all transactions
Availability: EEA residents, anywhere that Mastercard cards are accepted
Nexo is a platform that allows you to deposit your crypto assets so that you can earn interest on them or even take a loan against those assets without selling them. No taxable event occurs as you are not selling your assets.
With their Nexo credit card, you can earn 2% cashback on all purchases to selected supported currency NEXO (their native token) or BTC. You can make the switch between these two before making the purchase. Your cashback is instantly deposited in your Nexo account.
For additional security, you can create virtual cards for online transactions. You can also freeze your card if it gets compromised in your mobile app.
There are no monthly or inactivity fees, and you can connect with Google Pay and Apple Pay for contactless payments.
For up to 20,000 EUR (approx 20,100 USD), the payments are made in the local currency, saving you on exchange fees.
Nexo Card is great for everybody, beginners and long-term investors who are looking for a crypto card with no fees and are interested in possibilities of loans under low rates.
Type: Debit Card
Supported Coins: 150+
Rewards: 2% cash back on purchases
Availability: EEA, Australia, the USA, Hong Kong, New Zealand, Singapore, Taiwan, Philippines; anywhere where Visa/Mastercard are accepted
Wirex is a payment platform offering a Visa cryptocurrency debit card (Visa or Mastercard, depending on your location). It comes with a simple mobile app, which is great for all beginners.
The card allows you to collect rewards in their native WXT token, free ATM withdrawals and earning interest in supported currencies: fiat, ETH, and BTC.
Wirex doesn't require a minimum balance to earn rewards. They operate in over 130 countries worldwide, but the card and other features are available only in some supported countries; the detailed list can be found here.
Wirex allows you to convert between the cryptocurrencies in real-time with Over-the-Counter (OTC) rates and live rates. In addition, there is no exchange fee for fiat to fiat conversion.
The Wirex Visa card is for anybody looking for a crypto card with a simple rewards structure where you can earn up to 2% back in crypto rewards.
Type: Debit Card
Supported Coins: ETH and ERC-20 tokens
Rewards: No rewards
Availability: EEA, UK; Anywhere where Visa is accepted
The Monolith is the first non-custodial, 100% Ethereum ecosystem-based wallet linked to a Visa debit card. This means that you are the only one that has access to it. It supports all ERC-20 tokens.
You can top up your Monolith Card by exchanging ERC-20 tokens for fiat currency - GBP or EUR. Once you have funds available, you can use the card for offline or online purchases where Visa is accepted.
The card is available to residents of EEA and the UK.
The Monolith Visa card could be the right option for anyone who resides in Europe or the UK, is interested in Ethereum Ecosystem, and wants to be in charge of securing the wallet's keys.
Type: Credit Card
Supported Coins: 8
Fees: No monthly fees
Rewards: 3.5% cashback for the first 90 days of use; 1.5% cashback after this point (in BTC)
Availability: US residents (except New York), anywhere where Visa Cards are accepted
BlockFi is a cryptocurrency exchange where you can trade, buy and sell 40+ currencies. Their Rewards Visa crypto card is a user-friendly and cost-effective card that will get you unlimited 1.5% cash back on every purchase in BTC.
There are no annual or foreign transaction fees, which helps you save cashback rewards.
You need a BlockFi account to apply, and they require a "good" to "excellent" credit score. Crypto rewards are paid out on a monthly cycle into your BlockFi account.
The BlockFi card is for US residents, excluding New York. The card supports Apple and Google Play.
This card is great for Bitcoin holders looking for a rewards card to get more ways to earn Bitcoin with shopping, dining, and traveling.
Type: Debit Card
Supported Coins: supports the conversion and spending of 12 coins
Rewards: up to 8%
Availability: EEA Residents, Anywhere where Visa is accepted
Binance is one of the biggest and most known exchanges; besides the crypto exchange, Binance partnered with Swipe to release a Visa debit card.
The card can be used worldwide wherever Visa is accepted. However, at the moment, it's available for all EEA Residents.
You will need to have an active Binance account to apply for it. Then, you need to transfer your cryptos from your spot wallet to your funding wallet, and you are ready to go.
You receive 8% BNB Cashback on eligible purchases, automatically deposited in your Funding Wallet.
Your funds are converted to local fiat currency in real-time at the time of purchase. There are no card issuing fees, no signup fees, and no annual fees.
Your Binance card supports the conversion and spending of BNB, BUSD, USDT, BTC, SXP, ETH, EUR, ADA, DOT, LAZIO, PORTO, and SANTOS.
Supported by Google Pay and Samsung Pay.
The Binance card is for anybody using Binance exchange and looking for an easy way to spend their crypto assets without a hassle and earn rewards.
Read here: Our detailed Binance Visa Card review
Is it worth using a Crypto Credit Card?
If you are using cryptos and wish to use them daily, it's definitely worth using crypto cards. With crypto cards, you get a lot of flexibility and the possibility to earn rewards on your spending to increase and grow your assets.
What is a Crypto Credit Card?
Crypto credit/debit cards have the same functions as traditional credit or debit cards. But crypto credit cards are attached to your cryptocurrency wallet instead of being connected to your bank account.
At the time of the payment, your digital currency is converted to fiat money and transferred to the seller - with some cards; the conversion happens automatically; with some, you need to convert crypto to fiat manually.
What are crypto rewards?
With regular credit cards, you can earn miles, points, or any other cashback on your daily purchases; with crypto cards, you make your rewards in cryptos. Usually, these rewards are deposited directly into your wallet.
How do I get a crypto credit card for rewards?
You can apply for a crypto card from a cryptocurrency exchange.
Where can I use my crypto rewards credit card?
You can use your crypto cards at any merchant globally and on any compatible ATM that supports Visa or Mastercard.
I hope my insights on the best crypto credit cards were helpful, and you have a better idea of which one is the best for your situation.
Do you already have your favorite card that you already use? Let us know in the comment!
