7 Best Crypto Debit Cards in 2024

7 Best Crypto Debit Cards in 2024

In the initial stages of cryptocurrency, users typically engaged in peer-to-peer (P2P) transactions using digital currencies like Bitcoin. Nowadays, with the advent of crypto debit and credit cards, it's become significantly easier to convert digital currencies into traditional fiat currency for everyday payments. These cards are a boon both for newcomers to the cryptocurrency world and seasoned investors, enabling them to easily utilize their digital assets.

This article provides an overview of the top crypto credit and debit cards currently on the market. It offers guidance on how to select the most suitable card based on your needs.

What Are Crypto Credit and Debit Cards?

Crypto credit and debit cards represent a bridge between the emerging world of digital currencies and traditional financial systems. Here's a breakdown of how they work:

Crypto Credit Cards

A crypto credit card operates similarly to a standard credit card, but with a unique twist in its rewards system. When you use a crypto credit card for purchases, you're essentially borrowing funds from the card issuer. The amount you spend is added to your balance, just like with any credit card. However, unlike traditional cards, crypto credit cards offer rewards in the form of cryptocurrency.

Key Features:

  • Rewards in Cryptocurrency: Instead of cashback or airline miles, you earn digital currencies.
  • Ideal for Crypto Beginners: It's an accessible way for those new to cryptocurrencies to earn digital assets without directly investing in the volatile market.
  • Risk Factor: The primary concern here is the fluctuating nature of cryptocurrency values, although the risk is mostly limited to the earned rewards rather than your entire savings.

Crypto Debit Cards

Crypto debit cards are more akin to conventional debit cards, using the cardholder's own funds for transactions. However, these cards are linked to the user’s cryptocurrency accounts, converting digital assets into fiat currency (like USD, EUR) for everyday purchases or ATM withdrawals.

Key Features:

  • Direct Conversion: Converts cryptocurrencies to fiat currency for regular transactions.
  • Flexibility: Some cards allow for preloading of either fiat or digital currencies.
  • Additional Benefits: Often, these cards offer lower foreign transaction fees and multi-currency spending options.
  • Considerations: Users should be aware of potential geographic limitations and the fact that converting crypto to fiat might trigger taxable events.

In summary, both types of cards offer unique ways to integrate cryptocurrency into regular financial activities, each catering to different needs and preferences within the crypto ecosystem.

How do crypto debit cards work?

To get started with a crypto debit card, you first need to load it with your chosen cryptocurrency. Once your card is funded, it functions similarly to a traditional debit card, allowing you to spend your crypto for online purchases or in physical stores.

Whenever you use your crypto debit card, the provider converts the cryptocurrency in your account into fiat currency for the transaction. The costs associated with this conversion can differ, as do the fees for various other transactions. The fee structure varies widely among providers: some may offer fee-free services, others might have a range of transaction-based fees, and there are those that impose a monthly charge for the usage of the debit card.

How to Choose the Best Crypto Credit and Debit Cards

As the cryptocurrency market continues to grow, so does the variety of crypto credit and debit cards. While this increase in options is beneficial, it also means consumers must be more discerning when choosing a card. Here are some key factors to consider:

Types of Cryptocurrencies Supported

  • Specific Cryptocurrencies: Some cards may only offer rewards or support transactions in particular cryptocurrencies. If you have a preferred digital currency, ensure the card you choose is compatible with it.
  • For Newcomers: If you're not particular about the type of cryptocurrency, a broader range of cards may be suitable.

Rewards Offered

  • Rate of Rewards: Consider the rate at which you earn cryptocurrency rewards. Some cards offer a flat rate across all purchases, while others might offer higher rates for certain categories.
  • Spending Habits: If your spending is concentrated in specific areas, seek out cards that reward those spending patterns more generously.


  • Annual and Transaction Fees: Some crypto cards charge annual fees or transaction fees, including foreign transaction fees. This is an important consideration, especially for those who travel.
  • Cryptocurrency Sales Fees: Be aware of any fees incurred when selling the crypto rewards you've earned.

Ease of Use

  • Conversion Simplicity: The card should allow for straightforward conversions from crypto to fiat. Avoid cards with overly complex or experimental conversion processes to ensure practicality and ease of use.


  • Geographical Accessibility: The rapidly changing regulatory landscape of cryptocurrencies means that not all cards are available everywhere. Choose a card that is accessible and functional in your location to ensure uninterrupted access to your digital assets.

While choosing a crypto card, consider your specific cryptocurrency preferences, the rewards system, fee structure, user-friendliness, and geographical accessibility to find the best fit for your needs.

Best Crypto Credit Cards

As the popularity of cryptocurrencies continues to rise, there's a corresponding growth in the availability of crypto credit cards. This expansion necessitates that consumers be particularly careful and informed in their selection process. Below, we've compiled a list of six top-tier crypto credit cards currently available. It's important to note that while each person's specific requirements and expectations vary, choosing any card from this curated selection is likely to be a sound decision.

Wirex Visa Card

The Wirex Visa Card stands out in the crypto card market for its versatility and user-friendly features, ideal for both regular shoppers and those who prefer altcoins. It supports 25 different cryptocurrencies and is particularly beneficial for U.S. residents, who enjoy no issuance, monthly, or withdrawal fees. The main fee is a modest 1% for funding accounts with crypto. Additionally, the card offers up to 2% cashback in crypto on all purchases, with rewards paid in WXT, Wirex's native token that can be converted to other cryptocurrencies. Users can also earn up to 10% interest on BTC and ETH through Wirex's X-Accounts.

Enhancing its appeal, the Wirex Visa Card allows users to manage both fiat and crypto accounts seamlessly and exchange crypto to fiat without intermediaries. The card supports a whopping 36 cryptocurrencies and over 150 national currencies, making it an excellent choice for global users. It's particularly advantageous for international transactions, with free international ATM withdrawals and up to 3% savings on overseas transactions.

The card's daily ATM withdrawal limit is set at $1400, with a $2500 limit on debit/credit card top-ups. Other notable features include in-app alerts, transaction history tracking, and the absence of exchange fees when converting crypto to fiat. Additionally, the Wirex Visa card offers a referral commission, rewarding users with 10 USD in WXT for each friend referred.

The Wirex Visa Card is especially suitable for international travelers, being accepted by over 80 million vendors worldwide. However, users should note the 2.5% transaction fee and the monthly subscription fee for the highest tier of cashback rewards through the Wirex Cryptoback™ service. Despite these fees, the card remains an attractive option for its cashback rewards and global compatibility.

Nexo Mastercard

The Nexo MasterCard is an innovative crypto credit card, particularly suited for those interested in leveraging their cryptocurrency holdings for substantial loans. It allows users to secure crypto loans up to US$2 million, with the loan amount being contingent upon the value of the crypto assets held in the user's wallet. This feature is especially advantageous for individuals who prefer not to liquidate their cryptocurrency holdings but still wish to access their value.

In addition to its significant loan capacity, the Nexo MasterCard offers universal accessibility, being accepted wherever MasterCard is used. This encompasses over 40 million merchant stores and ATMs globally, making it a versatile choice for both domestic and international use. Users can also create virtual cards for enhanced security during online transactions.

The card is equally appealing for those not necessarily looking for large loans. It provides competitive rewards, allowing cardholders to earn up to 2% in NEXO tokens or up to 0.5% in BTC on their purchases. These reward options cater to both traditionalists and crypto enthusiasts.

The user experience is further enhanced by a comprehensive mobile app available on both iOS and Android platforms. This app facilitates a range of functionalities, including real-time transaction notifications, the ability to change the PIN, and an immediate card freeze option in case of loss or theft.

With no monthly or annual fees and no application fees, the Nexo MasterCard combines the flexibility of crypto financing with the practicality and widespread acceptance of traditional credit cards, making it a unique and attractive financial tool for a broad range of users.

Crypto.com Visa

The Crypto.com Visa Card, renowned for being the world's first metal- and crypto-linked debit card, stands out as a prime choice for those delving into the world of crypto debit cards. Its global appeal is evident in its support for over 100 cryptocurrencies and 20 fiat currencies, catering to a vast user base of around 10 million as of July 2021.

Key features of the Crypto.com Visa Card include up to 8% cashback on purchases, a percentage that varies with the level of CRO token staking. This card isn't just about spending crypto; it's also about earning rewards. Users can enjoy up to 5% cashback in CRO with no minimum spend required, although staking CRO is necessary to unlock these cashback rewards. Higher-tier cardholders enjoy additional perks like free Netflix, Spotify, and Amazon Prime subscriptions, as well as access to over 1,000 lounges in more than 400 airports worldwide.

The card's utility is further enhanced by its compatibility at 40 million Points of Sale, retail shops, and ATMs globally that display the Visa logo. Users can top up the card with either fiat or crypto and spend seamlessly, almost like using USD or any traditional currency. Additionally, the Crypto.com Visa Card offers various tiered options based on the amount of CRO staked, with each tier providing different benefits, including free ATM withdrawals, variable cashback rates, and exclusive card designs.

In terms of fees and accessibility, the Crypto.com Visa Card maintains an approachable stance with no annual fees and no requirement for credit checks. The card's structure includes tiered cashback of up to 5% depending on CRO staking, with higher staking requirements for most card tiers. The card is free for CRO holders and comes with a convenient mobile app, making it an attractive and versatile option for a wide range of users, from casual spenders to serious crypto enthusiasts.

Uphold Mastercard

The Uphold Mastercard, emerging as a top choice for those who frequently use Brave Browser and store BAT tokens in the Uphold wallet, represents a significant advancement in the realm of crypto debit cards. This UK-based card distinguishes itself with no annual fees and zero foreign transaction fees, positioning it favorably against traditional finance options.

A key allure of the Uphold Mastercard is its rewarding cashback program. Users earn an impressive 4% cashback in Ripple (XRP) on their purchases, with a monthly cap of £50, effectively covering rewards on up to £1,250 spent monthly. This feature makes it an attractive option for both regular and high-volume spenders.

The Uphold Mastercard is versatile, available for use both as a physical and virtual card. It enables spending across various assets held in the Uphold wallet, including cryptocurrencies, precious metals, commodities, and fiat currencies. The virtual card version integrates seamlessly with Google Pay and Apple Pay, offering secure and rapid payments.

Additional features enhancing the card's appeal include real-time analytics for tracking expenses, FCA regulation for added security, and the absence of activation fees. The card's customizable nature and excellent foreign exchange rates further bolster its usability and appeal.

In essence, the Uphold Mastercard combines the convenience of traditional debit cards with the innovative features of crypto finance, offering users a comprehensive and rewarding financial tool.

Bybit Card

Experience the pinnacle of crypto mobility with the Bybit Card, a groundbreaking addition to the world of crypto debit cards. This card elevates the convenience of crypto transactions to new heights, all while maintaining a strong focus on security. Thanks to a strategic partnership with Mastercard, Bybit offers extensive merchant compatibility and top-tier security, anchored by EMV® 3-D Secure, a sophisticated security protocol developed by Mastercard.

What sets the Bybit Card apart from its competitors is its user-friendly approach to converting cryptocurrencies into fiat, a feature particularly beneficial for seasoned Bybit traders. The card supports various off-ramping methods, including Spot, Derivatives, and Margin trading, potentially allowing users to profit while they convert their crypto into their chosen fiat currency. Additionally, its multi-asset spending capability provides users with unparalleled flexibility in managing and spending their cryptocurrency.

A highlight of the Bybit experience is its Loyalty Reward program, which awards users with points for every GBP/EUR spent, up to a maximum of 12,500 points monthly. These points can be redeemed for exclusive items at Bybit’s Rewards Market.

Binance Visa

The Binance Visa Card, stemming from one of the world's largest cryptocurrency exchanges, offers a compelling choice for global crypto users, though it's not currently available in the U.S. This card seamlessly integrates with a Binance account, making it an ideal option for existing Binance users based outside the U.S.

A key advantage of the Binance Visa Card is its affordability, as there are no issuance or monthly fees. The transaction fees are competitively low at just 0.9%, with some transactions even being fee-free. Users can top up the card easily without worrying about monthly charges or minimum balance requirements.

In terms of rewards, the Binance Visa Card boasts an impressive potential cashback of up to 8%. However, this top-tier cashback rate requires holding a substantial amount of 600 BNB in the account, which, given the current value of BNB, represents a significant investment.

The card supports 15 different cryptocurrencies, offering flexibility in how users manage their digital assets. For security, it features 3D secure verification. Despite its many advantages, the card does have some limitations, including relatively low daily limits on ATM withdrawals and contactless transactions.

Overall, the Binance Visa Card stands out for its low fees and high potential cashback, catering especially to those deeply invested in the Binance ecosystem and seeking to make the most out of their cryptocurrency holdings.

Monolith Card

The Monolith card immediately stands out with its unique and eye-catching design, emblematic of its robust security, even in extreme scenarios. This distinctiveness stems from Monolith's foundation as a decentralized financial (DeFi) platform within the Ethereum ecosystem, marking a departure from traditional crypto custody methods.

Monolith empowers users by allowing them to maintain complete control over their cryptocurrency assets. This approach ensures that users don't have to worry about the potential loss of assets in case Monolith faces liquidity issues. This principle of "Not your keys, not your crypto" positions the Monolith Visa card as a leading contender in the realm of crypto debit cards.

In addition to giving users control over their crypto, Monolith introduces a 1% fee contributed to its community chest, aimed at enhancing the platform's ecosystem. However, users have the option to bypass this fee by using Monolith’s own TKN tokens for topping up their cards. For those interested in this fee structure, it's advisable to delve into Monolith’s fee policies, particularly its 0% transfer fees, to gain a comprehensive understanding of how it operates.

Why use a crypto debit card?

Why opt for a crypto debit card instead of a conventional one, especially when they function similarly? The answer lies in the unique advantages that crypto debit cards offer.

Pros of Crypto Debit Cards

  • No Exchange Rate Worries: Especially useful when traveling internationally.
  • Reduced Fees: Lower transaction and maintenance fees compared to traditional cards.
  • Crypto Rewards: Offers like crypto cashback add value to transactions.
  • Enhanced Liquidity: Easier access and use of digital assets.
  • Superior Security: Advanced measures like 256-bit encryption, continuous fraud monitoring, and two-factor authentication safeguard your digital assets.

However, it's important to acknowledge that crypto debit cards have their limitations.

Cons of Crypto Debit Cards

  • Market Volatility: The fluctuating value of cryptocurrencies can affect purchasing power. For instance, spending ETH on an item today could mean missing out on potential gains if ETH's value rises sharply afterward. Conversely, this volatility can sometimes work in your favor.
  • Staking Requirements: Some cards necessitate staking cryptocurrencies to access certain benefits, which may not be ideal for every user.

While crypto debit cards mirror the functionality of traditional debit cards, they offer unique benefits and challenges, particularly in terms of fees, rewards, and the impact of market volatility.

Please note that Plisio also offers you:

Create Crypto Invoices in 2 Clicks and Accept Crypto Donations

12 integrations

6 libraries for the most popular programming languages

19 cryptocurrencies and 12 blockchains

Ready to Get Started?

Create an account and start accepting payments – no contracts or KYC required. Or, contact us to design a custom package for your business.

Make first step

Always know what you pay

Integrated per-transaction pricing with no hidden fees

Start your integration

Set up Plisio swiftly in just 10 minutes.