Crypto cards, minus the fine print.

Compare 69 crypto debit and credit cards by the fees that actually cost you money, what you really earn back, and where they work.

Compare all cards Find a low-FX card

Every fee links to the issuer document or tracker it came from, and each card shows the date we last checked it. Updated 17 October 2026.

The short answer

The best crypto card depends on where you live and how you spend. Solid and ether.fi Cash pay 3% back on free, self-custody tiers, the strongest no-strings cashback we track. In the UK and Europe, the Krak Card by Kraken has no FX or ATM fees, and Bleap adds stablecoin cashback with self-custody. In the US, the Gemini Credit Card pays up to 4% in crypto with no annual fee. RedotPay, Kolo and Tuyo Card work in 170+ countries.

Best card for what you need

All best picks
Best proven cashback ether.fi Cash

3% back on up to $2,000 a month, self-custody, with the option to borrow instead of sell.

3% back with no fees in USD Solid

Free virtual Visa paying 3% in USDC up to $50 a month, in 105 countries including the US.

Spend from your own wallet MetaMask Card

No fee on stablecoins in your local currency, and it works in the US.

Europe, with an IBAN Deblock

French IBAN current account plus a self-custody wallet, no FX markup and a free first card.

Cheapest abroad, UK and Europe Krak Card

No FX, transaction or Kraken ATM fees, with up to 2% back.

Self-custody cashback in Europe Bleap

No FX or conversion fee and category cashback in USDC.

Crypto rewards credit card, US Gemini Credit Card

Up to 4% in your choice of crypto, no annual fee, no FX fee.

Works almost anywhere RedotPay

Very wide country coverage and P2P funding with local payment methods.

Stablecoins plus bank rails Plasma One

2% back free, and bank deposits and withdrawals in six currencies.

Lowest fees, self-custody Avici

No Avici FX markup or transaction fees, and your USDC stays in an escrow you control.

Cheap ATMs in 170+ countries Kolo

ATM fees of $1 plus 0.65%, and 1% BTC back that offsets its 1% payment fee.

Bitcoin rewards, US Coinbase Card

2% to 4% back in BTC on the Coinbase One Card, with a Coinbase One membership.

Highest free-tier cashback, new Ethena Pay

4% in AVAX on your first $2,500 a month, plus yield. Launched September 2026.

Top 15 crypto cards by our score

How we score

Solid

A self-custody stablecoin Visa paying 3% back in USDC on the free tier, in 105 countries.

3% to 5% in USDC Self-custody Bank transfers Visa
7.9out of 10

Bleap

A free self-custody Mastercard for Europe with category cashback in USDC up to 20%.

1% to 20% in USDC by category Self-custody Mastercard
7.8out of 10

COCA

A self-custody Visa with 0% FX, a 5% yield on USD and up to 8% back for COCA stakers.

1% to 8% in stablecoins Self-custody Bank transfers Visa
7.8out of 10

Plasma One

A stablecoin neobank card with local bank rails and up to 4% back.

2% to 4% in XPL, up to 10% on AI spend Self-custody Bank transfers Visa
7.7out of 10

KAST

A stablecoin account with US and EU banking details and a Visa card on top.

1.5% to 3% back in USD Custodial Bank transfers Visa
7.6out of 10

Ethena Pay

A new stablecoin app on Avalanche with up to 5% back in AVAX and up to 6% yield on balances.

4% to 5% in AVAX on capped spend Self-custody Bank transfers Visa
7.5out of 10

Krak Card

Kraken's low-fee debit card for the UK, Europe and most of the US, with up to 2% back.

0% to 2% in BTC, EUR or GBP Custodial Bank transfers Visa or Mastercard
7.4out of 10

Wirex One

A veteran crypto card, now with a self-custody wallet and up to 8% back in USD.

0.5% to 8% in USD Hybrid custody Bank transfers Visa
7.3out of 10

Tria

A self-custody Visa with paid memberships and up to 6% back on your first $2,000 a month.

1.5% to 6% on early monthly spend Self-custody Read the warning Visa
7.1out of 10

Rebind

A euro savings app paying up to 5%, with a free self-custody Visa card powered by Gnosis Pay.

No published cashback Self-custody Visa
6.8out of 10

Slash

A US business banking card with up to 2% cashback and stablecoin conversion.

Up to 2%, unlimited Custodial Bank transfersBusiness Visa
6.7out of 10

See and filter all 69 cards

Free tools and data

Open data
Crypto card cost calculatorWhat every card would cost you in a year, from your own spending. Compare cards side by sidePick any two or three cards and see fees, cashback and coverage in one table. Crypto card statisticsMedian FX fees, cashback rates, ATM costs and who issues the cards. News and product updatesFee changes, launches and shutdowns, linked to the issuer's announcement. Latest: Tuyo adds ATM withdrawals and raises daily card limits16 October 2026

Read before you load money

All guides
How crypto cards work, from your wallet to the shop's tillWhat actually happens when you tap a crypto card, who holds your money at each step, and why the setup decides your fees, risks and rewards.How to choose a crypto card in 2026, a 5-step checklistA practical checklist for picking a crypto debit or credit card based on where you live, how you spend and how much control you want.Crypto card fees explained, from FX markups to ATM chargesThe fees that decide what a crypto card really costs you, how to spot them in the fine print, and a quick way to compare cards on a $100 purchase.Crypto card cashback explained, and the traps behind big numbersWhy a 5% or 10% cashback headline often pays far less, with real examples of caps, token payouts, minimum purchases and fees that cancel rewards.Self-custody vs custodial crypto cards, and which one you should useWhat "self-custody" really means on a crypto card, the trade-offs against custodial cards, and which cards on Crypto Cards Guide fall into each group.Are crypto cards safe? The real risks in 2026 and how to protect yourselfThe risks that actually hit crypto cardholders in 2026, from program shutdowns to contract exploits, and simple habits that limit what you can lose.Crypto card issuers explained, and why the company behind your card mattersWho actually issues crypto cards (Third National, Lead Bank, Monavate, DCS, Wirex and others), which cards use them, and what an issuer problem means for you.What is a crypto neobank, and do you need one?How app-based accounts mix stablecoins, bank details and a debit card, how they differ from banks, and which ones we track.How to top up a crypto card with USDT or USDC without losing moneyWhich network to use, what each top-up really costs, and the mistakes that lose funds when you load a crypto card with stablecoins. Crypto card spending trackerHow much people spend with crypto cards, by program. RedotPay vs KASTRedotPay and KAST compared on fees, cashback, custody and where they work.MetaMask Card vs Gnosis PayMetaMask Card and Gnosis Pay compared on fees, cashback, custody and where they work.ether.fi Cash vs MetaMask Cardether.fi Cash and MetaMask Card compared on fees, cashback, custody and where they work.Crypto.com Visa Card vs Nexo CardCrypto.com Visa Card and Nexo Card compared on fees, cashback, custody and where they work.ether.fi Cash vs Ethena Payether.fi Cash and Ethena Pay compared on fees, cashback, custody and where they work.Coinbase Card vs Crypto.com Visa CardCoinbase Card and Crypto.com Visa Card compared on fees, cashback, custody and where they work.Gemini Credit Card vs Coinbase CardGemini Credit Card and Coinbase Card compared on fees, cashback, custody and where they work.Krak Card vs Bybit CardKrak Card and Bybit Card compared on fees, cashback, custody and where they work.Bleap vs Gnosis PayBleap and Gnosis Pay compared on fees, cashback, custody and where they work.Solid vs ether.fi CashSolid and ether.fi Cash compared on fees, cashback, custody and where they work.KAST vs SolidKAST and Solid compared on fees, cashback, custody and where they work.Tangem Pay vs Ledger CL CardTangem Pay and Ledger CL Card compared on fees, cashback, custody and where they work.Wealthsimple vs ShakepayWealthsimple and Shakepay compared on fees, cashback, custody and where they work.Fuse vs Phantom CashFuse and Phantom Cash compared on fees, cashback, custody and where they work.ARQ (DolarApp) vs KASTARQ (DolarApp) and KAST compared on fees, cashback, custody and where they work.Rebind vs Gnosis PayRebind and Gnosis Pay compared on fees, cashback, custody and where they work.Revolut vs Crypto.com Visa CardRevolut and Crypto.com Visa Card compared on fees, cashback, custody and where they work.Kolo vs RedotPayKolo and RedotPay compared on fees, cashback, custody and where they work.Solid vs Plasma OneSolid and Plasma One compared on fees, cashback, custody and where they work.

Frequently asked questions

What is a crypto card?

A crypto card is a Visa or Mastercard debit, prepaid or credit card that spends crypto or stablecoins anywhere cards are accepted. At checkout the card converts your balance into the merchant's currency, so the shop gets paid normally.

Which crypto card has the lowest fees?

For spending abroad, the Krak Card (in the UK and Europe), COCA, Bleap, Avici and Deblock add no FX markup, and KAST charges nothing extra on Latin American currencies until the end of 2027. Kraken charges no ATM fee of its own, and Kolo, Avici and Exa charge just $1 plus 0.65%. The cheapest card for you depends on your currency and whether you use ATMs.

Which crypto cards work in the US?

Of the cards we track, the Gemini Credit Card, Coinbase One Card, Fold, Uphold, the MetaMask Card, Oobit, Crypto.com, Tria, Avici (most states), Karta, Payy, VaultLeap, Slash (business), Kraken's Krak Card (most states) and the US versions of Plasma One, Exa and the Avalanche Card serve US residents. Many popular cards, including Bybit, OKX and Ethena Pay, exclude the US.

Do crypto cards need KYC?

Every card on Crypto Cards Guide requires identity verification, because a regulated card issuer sits behind each one.

Are crypto cards safe?

It depends on custody. With a custodial card, the company holds your balance, so you rely on it staying solvent and secure. With a self-custody card, funds stay in your wallet until you pay, but you're responsible for your keys. Either way, keep only spending money on the card.

Is spending crypto with a card taxable?

In many countries, selling or spending crypto counts as a disposal for tax purposes and can trigger capital gains tax. Spending stablecoins usually creates little or no gain, but rules vary, so check with a tax professional where you live.