15 best crypto credit and debit cards for crypto beginners and crypto veterans in 2025

In the early days of crypto, holders generally used currencies like Bitcoin for peer-to-peer (P2P) transactions. Now, crypto debit and credit cards make it much easier to convert cryptocurrencies into fiat to use for payment. Whether you’re new to crypto or a long-time investor, a crypto card can help you access and use your digital holdings.

This article lays out the best crypto credit and debit cards currently available to consumers. It also explains how you can decide which is the best card for you.

Key Takeaways:

• A crypto credit card enables you to get rewarded with cryptocurrency for spending, while a crypto debit card converts cryptocurrency into fiat currency whenever you make a purchase or use an ATM.

• In order to choose the best crypto credit or debit card, you will have to look at factors such as types of cryptocurrencies available, rewards offered, fees, ease of use and availability.

• The Bybit Card is a crypto debit card that offers 2–10% cashback as well as up to 8% APR on idle funds.

What are crypto credit and debit cards?

A crypto credit card allows you to earn cryptocurrency as a reward for spending, while a crypto debit card converts cryptocurrency into fiat when you make a purchase or use an ATM.

Crypto credit cards explained

As with regular credit cards, using crypto credit cards involves borrowing money from the issuer. When you make a purchase, the card company provides the funds necessary and your balance increases. As with regular cards, crypto credit cards allow holders to earn rewards for their purchases. What sets crypto credit cards apart is that the rewards come in the form of cryptocurrency that the issuer purchases for the holder.

One major benefit of using a crypto credit card is that it gives you a risk-free way to earn cryptocurrency just by making everyday purchases. This makes it a great option for hesitant, risk-averse newcomers to the world of crypto. The only significant drawback is the volatility of crypto markets, but at least cardholders will only be risking their rewards, rather than larger savings.

Crypto debit cards explained

A crypto debit card is similar to a regular debit card in that the holder uses their own money to make purchases or withdraw cash from an ATM. Unlike regular debit cards, most crypto debit cards draw from the holder’s cryptocurrency accounts. This makes them a convenient way to convert cryptocurrency into fiat that you can use to make standard purchases. Other crypto debit cards allow you to preload fiat or digital currencies.

In addition to converting crypto into fiat, crypto debit cards often allow you to reduce foreign transaction fees and easily spend money in multiple currencies. Potential pitfalls include geographical restrictions and the triggering of taxable events for using cryptocurrency.

How to choose the best crypto credit and debit cards

While there still aren’t as many crypto cards available as conventional credit and debit cards, new options are appearing every year. As the number of choices increases, consumers need to put more thought into their decisions. There are a few key factors for you to consider before choosing a card.

Types of cryptocurrencies available

First of all, think about the type of cryptocurrency you’ll be using. Some crypto credit cards only let you earn rewards in a particular cryptocurrency, and some crypto debit cards can only connect with certain cryptocurrency accounts. If you’re new to the world of crypto, and you don’t care which currency you end up using, this shouldn't be an issue. If, on the other hand, you already have a currency of choice, you’ll need to find a card that allows you to use it.

Rewards offered

When comparing the best crypto credit cards, you’ll want to weigh the rewards that each card offers. In general, a higher reward rate will allow you to earn more cryptocurrency. Some cards offer a flat rate for all types of purchases, while others offer higher rates for buying products and services that fall within certain categories. If you happen to spend a lot of money on a particular area of goods or services, you may want to look for a card that will reward you for your habits.

Fees

While the best crypto credit cards are generally affordable, there are certain fees for you to consider. Some cards charge an annual fee, while others are completely free. Foreign transaction fees are common, but you can find cards without them, which is an especially good idea if you travel abroad. Also, look out for cryptocurrency sales fees, which are pesky charges that show up every time you sell the rewards you’ve earned in crypto.

Ease of Use

For many users, the main point of owning a crypto credit or debit card is to optimize crypto-to-fiat conversions. Your Bitcoin debit card will hardly prove useful if it doesn’t allow you to quickly and easily convert crypto into fiat. Unfortunately, some issuers use experimental methods that confuse cardholders and complicate conversions. By avoiding these types of issuers, you can ensure you get a card that truly serves your crypto needs.

Availability

A crypto card is only beneficial if you can actually use it. The world of crypto is evolving rapidly, and every month seems to bring a new set of regulations. Amid this dynamic environment, you need a card that’s currently usable in your preferred location. That way, you can make sure you maintain constant access to your digital assets.

Best crypto credit cards 

As cryptocurrencies gain popularity, the number of crypto credit cards available is steadily increasing. This means consumers need to be especially discerning before making a choice. Here are six of the best crypto credit cards currently on the market. While each individual has their own needs and expectations, and should choose a card accordingly, you can’t go wrong by picking any of the cards on this short list.

1. Nexo Card

The Nexo Card is one of the best crypto credit cards for anyone looking to take out large loans in cryptocurrency. You can use the card for loans worth up to $2 million, with your current crypto holdings acting to secure the financing.

Even if you’re not interested in large-scale loans, the Nexo Card is still an appealing option. One major perk is its availability, with the card usable anywhere Mastercard is accepted. You can also earn up to 2% rewards in NEXO or up to 0.5% in BTC, a competitive rate that many cardholders are happy with. The associated smartphone app makes the card incredibly user-friendly, allowing you to easily set notifications, change your pin and freeze the card if it’s been lost or stolen.

2. Venmo Credit Card

If you already have the Venmo app, then the Venmo Credit Card will be easy and convenient to use. With the Venmo app, you can track purchases and monitor your rewards. The card itself is customized with a special QR for easy syncing.

With no annual fee and rewards of up to 3%, the card is financially favorable. Converting your rewards into crypto through the Purchase Crypto feature allows you to fatten your digital wallet without taking on too much risk. The combination of financial payoff and convenience makes this one of the premier crypto Visa cards on the market.

3. Gemini Credit Card®

The distinct rewards structure and wide compatibility of the Gemini Credit Card® make it one of the best crypto credit cards available. Cardholders receive 4% back on both gas at the pump and EV charging, up to $200 per month (then 1% on all other gas at the pump and EV charging purchases that month), 3% on dining, 2% on groceries and 1% on all other purchases. These rewards are available in BTC, ETH or one of the other 50 cryptocurrencies compatible with the card.

Gemini Credit Card® is usable anywhere that accepts Mastercard. A user-friendly app makes it simple to monitor transactions and manage your account. In addition, there’s no annual fee.

Best crypto debit cards

While crypto credit cards are great for earning cryptocurrency in the form of cashback rewards, crypto debit cards are the better option for people looking to use the cryptocurrency they already own. With so many fantastic cards on the market, it’s never been easier to convert crypto into fiat and use it for everyday purchases. Here are xxx of the best crypto debit cards on the market, each of which has its own set of favorable properties.

4. Bybit Card

Take your crypto on the go with one of the greatest crypto debit cards to hit the crypto space. The Bybit Card takes crypto convenience to the next level, as it allows for hassle-free transactions without compromising on the all-important aspect of security. By partnering with Mastercard, Bybit ensures the widest array of merchant support and top-of-the-line security, thanks to EMV® 3-D Secure, Mastercard’s patented system. 

To distinguish itself from other top crypto debit cards, the Bybit card makes the off-ramping process flexible and easy, especially if you’re an experienced Bybit trader. By allowing for off-ramping via Spot, Derivatives and Margin trading, you might even be able to earn a tidy profit while converting your crypto into your preferred form of fiat currency. Combined with the Bybit card’s multi-asset spending feature, this grants users the ultimate freedom to manage their cryptocurrency balance and spend it to their heart’s desire. Being compatible with Apple Pay, Google Pay and Samsung Pay, the Bybit Card enables you to spend instantly using your virtual Bybit Card once you’ve applied for it. There’s no need for you to wait for your physical Bybit Card to arrive before spending. Furthermore, you can grow your bags by enabling Auto-Savings, which allows you to earn up to 8% APR on your Bybit Card balance. 

Bybit also offers a Rewards program whose users can earn a point for every 1 USD/EUR or 900 ARS spent, and 10 points for every 5 BRL spent. You’ll accrue the points with varying point multipliers and monthly caps of up to 300,000 (based on your respective VIP levels) with no expiration date. The points can then be used to redeem exclusive merchandise at Bybit’s Rewards Market, such as bonuses and coupons. It can also be converted into cashback. You can activate the Auto Cashback function to automatically receive the cashback on all purchases done with fiat and crypto in USDT. 

5. Crypto.com Visa Card

If you’re looking for a crypto prepaid card to sink your teeth into, then this is one of the best cards to consider. The Crypto.com Visa Card is the world’s first free metal- and crypto-linked prepaid card. With no fees, a straightforward top-up model that makes it easy to load your account with Bitcoin and other digital currencies, and an aggressive marketing campaign that's involved the likes of LeBron James and Matt Damon, it’s easy to see why many investors are owners. Once you’ve got the currency loaded, you’ll be able to instantly spend or withdraw it wherever Visa is accepted.

The card offers users up to 10% cashback rewards in CRO on travel spending, and up to 8.5% cashback rewards in CRO on everyday spending. However, note that you would need to stake CRO in order to receive cashback rewards. The more CRO you stake, the higher your cashback rewards. The Crypto.com Visa also provides holders with reimbursements from subscription services such as Netflix and Spotify. Alongside the obvious benefit of making it easier to spend your cryptocurrency, these perks make the Crypto.com Visa Card one of the best crypto cards available.

6. Coinbase Card

The Coinbase Card is among the best crypto debit cards for anyone already using Coinbase. You can use the card anywhere within the Visa network, and purchases and withdrawals are drawn directly from your Coinbase account. Crypto rewards are also significant, with cardholders receiving unlimited crypto rewards on every purchase.Furthermore, you can maximize your crypto portfolio by selecting your preferred rewards from a list of rotating cryptocurrencies, such as BTC, ETH, XLM, DAI and more.

7. Uphold Card

If you’re a frequent Brave Browser user, you’ll likely come across the Uphold wallet app that’s used to store your hard earned BAT tokens. To make things more seamless for its users, Uphold has introduced its own crypto debit card, known as the Uphold Card. Users can spend crypto directly from their Uphold wallets. By featuring no annual fee, zero foreign transaction fees and low exchange rates, this UK-based crypto debit card is already leagues ahead of its traditional finance counterparts.

To further incentivize usage of the Uphold Mastercard, cashback rewards are doled out with a maximum cap of £100 per month, depending upon your location. Rewards are credited up to the 15th day of the following month.

8. Wirex Card

The Wirex Card is one of the best crypto debit cards for international transactions. Users can enjoy up to $200 fee-free ATM withdrawals globally, and can use the card at more than 61 million locations globally wherever Visa or Mastercard is accepted. Compatible with over 150 different currencies, this is the crypto Visa card that every globetrotter needs.

Wirex offers cardholders rewards through its Wirex Cryptoback™ subscription service, where you can receive up to 8% in cashback rewards in the form of WXT tokens. You do, however, have to pay a monthly fee of up to €29.99 (or an annual fee of up to €306) if you wish to receive the highest tier of cashback rewards. The free version only enables you to earn up to 0.5% Cryptoback rewards. If you lock 150,000 WXT tokens for 180 days, you’ll be able to upgrade to the Standard Enhanced tier and enjoy 1% Cryptoback rewards on every purchase.

As far as convenience is concerned, the associated app makes it simple to set a budget, track spending and receive alerts.

9. Choise Card (previously Crypterium)

For users just starting out with crypto, Choise, previously known as Crypterium, might be perfect since it offers consumers a crypto wallet with the Choise Card attached to it. This ultimately makes it easy for shoppers to access and use their crypto funds effortlessly as Choise seamlessly bridges fiat and crypto.

The Choise Card is a prepaid crypto card and largely appeals to the European market with its easy signup process. By offering users the choice of owning either the virtual or plastic Choise Card, Choise allows users to quickly convert their digital assets to cash when making purchases. While a virtual Choise Card is highly convenient for all contactless purchases, a plastic Choise Card is required for ATM cash withdrawals. 

The Choise Card comes with a monthly maintenance fee of €2.99, which is returned to the user via cashback as long as they load their card with €299 every month.

Users who open interest accounts on Choise can also enjoy up to 10% profit.

10. Bit2Me Card

From one of the largest cryptocurrency exchanges in Spain, the Bit2Me Card is a no-brainer if you live in Spain and are open to receiving your cashback in cryptocurrencies. This is because the Bit2Me Card charges no monthly fee or maintenance fee, and features zero ATM withdrawal fees when you withdraw within the European Union. This low barrier to entry makes Bit2Me’s Card an ideal choice for those new to crypto. 

Thanks to its established reputation as an entity registered with the Bank of Spain, the Bit2Me Mastercard can instantly deliver to users a virtual crypto debit card upon registration. Additionally, you’ll be able to earn up to 39% cashback by using the different Bit2Me products along with the Bybit Card:

• Up to 7% instant cashback on all your crypto purchases

• Up to 25% additional cashback when you spend at over 300 merchants with Bit2Me Life

• Up to 7% additional cashback with Bit2Me Earn

11. Club Swan Card

This is an excellent crypto debit card for both beginners and experienced crypto investors. While the starting fee of $129 is higher than most crypto debit cards, and the $35 monthly fee is unusually steep, the Club Swan Card's perks might well make up for the high cost of entry.

Club Swan’s concierge service helps holders book travel, order products and take care of mind-numbing administrative tasks. The card is also usable wherever Mastercard is accepted. If you’re on the lookout for an upper-tier crypto credit or debit card that really provides superior service, then this is probably the card for you.

12. Shakepay Card

One thing that can often drive users away from the prospect of earning crypto cashback rewards is the potential paperwork involved. Fortunately for newcomers to the crypto cashback space, the Visa crypto debit card from the Canada-based Shakepay exchange takes this entire registration process and streamlines it to be suitable for newcomers. 

To remove the hassle of card application processes, Shakepay waives the credit check phase so anyone can essentially be fully set up within minutes. Once users are fully registered and apply for their Shakepay Card, they can look forward to earning up to 2% of their purchases in BTC, instantly credited to their Shakepay BTC balance. 

Talk about earning BTC in minutes!

13. Volet Card

Dealing with crypto can be challenging if you’re new to the peer-to-peer (P2P) on-ramping and off-ramping scene. From exchanging your fiat for the right currencies to the nerve-wrecking moment of checking whether your transactions have gone through, it was certainly no easy feat to pull transactions off before the introduction of centralized exchanges. 

Thankfully, e-wallet corporations such as Volet.com, previously known as Advcash, have dedicated their business model to making such swaps easy, as users can quickly buy and sell while effortlessly switching between fiat and cryptocurrencies.

Once the swaps are done, users can then load their funds onto Volet Cards — which function like prepaid crypto debit cards — and use them to spend their balance worldwide. With access to major markets around the world, users will have no trouble swapping and exchanging their funds to their desired currency for their personal use.

14. MetaMask Card

The MetaMask Card, one of the latest entrants to the crypto debit card market, has quickly become a new favorite, thanks to its instant-spending feature. Users can spend directly from their crypto wallets and pay with three tokens — USDC, USDT and/or WETH — on the Linea network, which offers lightning-fast, low-cost transactions. 

Not having any of the three abovementioned tokens isn’t an issue, as users can easily swap to them through their MetaMask wallets. Every USDC transaction grants you 1% cashback in the form of USDC, and you can even earn a yield on your wallet balance. 

MetaMask is also launching a Metal Card soon as part of a limited drop. Users interested in participating can join the waitlist to be notified as soon as it becomes available. 

The limited-edition MetaMask Metal Card offers premium rewards, exclusive event access and surprise perks, all of which are a step up from the MetaMask Card.

15. RedotPay Card

RedotPay Card is one of the best crypto debit cards available. Users can connect their wallets for deposit-free seamless payments, and send and receive crypto with no fees, which is perfect for anyone who frequently make cross-border payments. 

RedotPay offers both virtual and physical cards. The physical card has the added functionality of ATM withdrawals. 

The bottom line

There’s never been a better time to take out a crypto credit or debit card. The variety of available cards is steadily growing, and each option comes with a unique set of valuable perks. Now that you’ve learned about some of the best crypto credit and debit cards on the market, you should be ready to make your final choice. Whether you prefer huge amounts of cashback rewards or the flexibility of crypto-on-the-go, we hope our list of the best crypto credit and debit cards has your needs covered.

Keen on giving our attractive off-ramping process a shot? Experience trading with our various products by signing up for your Bybit Card today.

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