Top 10 Crypto Debit and Credit Cards [2026 fUpdated Review]

Here is the review and comparison of popular Crypto Debit and Credit Cards with features to help you decide which card is the best for you:

Cryptocurrency debit and credit cards are currently countable because of the many banking restrictions on crypto transactions. Many cards are suitable for regular shoppers since they work as purchase rewards cards that allow you to earn money back on purchases.

Few cards allow you to earn interest on crypto held in the account. However, almost all allow you to instantly convert crypto to fiat withdraw crypto as fiat at ATMs, and pay for goods and services at merchant stores where Visa and MasterCard are accepted.

Money is earned in crypto. Most do not deposit the cashback rewards immediately after the purchase, but you can redeem it later. They do not support all cryptos.

Crypto Debit And Credit Cards

This tutorial is a guide to the top Crypto debit and credit cards. We also presented some FAQs to explain how crypto credit and debit cards work.

Terms Apply: Please read all the details and terms carefully on the below Crypto platforms before investing. Cryptoassets are highly volatile. Your capital is at risk. Don’t invest unless you’re prepared to lose all the money you invest. This is a high-risk investment, and you should not expect to be protected if something goes wrong.

List of Top Crypto Credit and Debit Cards

Here is the list of crypto credit and debit cards:

1. Uphold
2. Crypto.com
3. Gemini Crypto Credit Card
4. Coinbase Visa Card
5. BlockFi Bitcoin Rewards Credit Card
6. Wirex Visa Card
7. Nexo
8. Crypterium Visa Crypto Card
9. SoFi Credit Card
10. TenX Visa Card
11. Swipe Visa card
12. Spend it

Comparing Best Crypto Credit/Debit Cards

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Let’s review the above-listed cards:

#1) Uphold

Best for tracking spending in real-time.

With Uphold, you get a Mastercard debit card that can used wherever Mastercard is accepted. This is a card that can be used both physically and virtually to spend any asset that you currently hold in your Uphold wallet. You can trade in cryptocurrencies, precious metals, commodities, and fiat using this card.

Those who are only using the virtual card can add it to Google Pay or Apple Pay wallets for faster and safer payments. The best part about this card is the fact that you’ll be charged no activation or annual fee. You also get to track your spending with the help of comprehensive real-time analytics. The cashback department is another area where the Uphold card shines.

You get 4% cashback in Ripple (XRP), every time you make a purchase using this card.

Features:

• Available as a virtual and physical card.
• Get 4% Cashback in Ripple (XRP) for payment anywhere in the world.
• FCA regulated
• Real-Time Analytics to track spending.
• Pay using any currency, crypto, or any other form of balance in your card.
• Can be integrated with Apple Pay and Google Pay
• Excellent FX Rates
• Highly customizable virtual card.

Price: No annual or transaction fee.

Terms Apply. Cryptoassets are highly volatile. Your capital is at risk. Don’t invest unless you’re prepared to lose all the money you invest. This is a high-risk investment, and you should not expect to be protected if something goes wrong – Uphold Card is Issued by Optimus Cards UK Limited, a principal member of Mastercard and authorized by the FCA.

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#2) Crypto.com

Best for merchants and regular shoppers.

Crypto.com now supports the buying and spending of over 100 cryptocurrencies and has a global reach of about 10 million users as of July 2021. With the metal prepaid Visa card, users can get up to 8% back of purchases when they spend crypto through this Visa-supported card.

The card can also be topped up with fiat besides crypto. The company accepts over 20 fiat currencies. It can spend crypto in 40 million worldwide Points of Sale, retail shops, and ATMs with Visa logos. It is supported at over 1,000 lounges at over 400 airports. It allows you to top up with crypto and spend them in USD like any other form of payment.

The card tier given depends on the amount of CRO tokens bought and deposited in the crypto wallet. Users must complete KYC verifications.

Features:

• Has the ability to spend with the crypto card on Netflix, Spotify, Expedia, Lounge, Expedia, Airbnb, and Prime.
• Allow free ATM withdrawals of up to $1,000 depending on the card.
• Ability to earn from 1% to 8% cashback for spending with the card, and earn on staking CRO – crypto.com’s platform token with the card.
• Allows up to 5 different card designs with variable CRO staking rewards, and maximum withdrawals. Each of these card tiers has staking requirements from $0 to $400,000.
• Free to CRO holders, no monthly or annual fees.
• Mobile app is also available.

Fees: Normal transaction fees.

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#3) Gemini Crypto Credit Card

Best for instant rewards.

The crypto credit card is yet to launch but might launch this summer. It will be available to all users worldwide and connected to MasterCard. Unlike other crypto cards that prevent you from accessing real-time rewards for purchases, Gemini promises real-time rewards on purchases for Bitcoin or other cryptos on Gemini.

You get up to 3% cashback on dining purchases, 2% on groceries, and 1% on other purchases. It will be possible to load with 30 cryptocurrencies available on Gemini. The card issuer is WebBank, a digital lending bank.

Features:

• Instant up to 3% cash back deposited into the user’s Gemini account.
• Has an iOS and Android app to accompany and manage the card. Can freeze the card instantly from the app, track expenses, etc.
• In-app access of your credit card number and Apple Pay or Google Pay after approval. Residents in all 50 U.S. states can now apply to join the waitlist. You do not need to be a Gemini user to apply but will need a Gemini crypto exchange account where the rewards will be deposited.
• Black, silver, and rose gold metal cards.
• Provides 24/7 live agent support. Near-instant access to the card after application.

Fees: There is no fees to exchange and no cost for acquiring the card. No annual fee.

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#4) Coinbase Visa Card

Best for institutional-minded crypto investors.

Coinbase Card is a plastic debit card yet to be launched globally but it will allow users to spend any crypto assets in their portfolio and earn rewards for every purchase. The card will allow people to spend crypto anywhere. Visa debit card is accepted and earns users up to 4% in cashback on purchases made with the card.

Features:

• No annual, sign-up, or monthly fee.
• Auto converts all crypto to USD and allows purchasing on merchants and does cash withdrawals on ATMs with the Visa logo.
• Instant card freezing, world-class security through 2-step verification, and PIN protection or contactless withdrawals to secure crypto.
• The mobile app is available.
• Transaction receipts, spending summaries, and instant transaction notifications via the app.
• Earn 4% back in cryptocurrency rewards when using this card.

Fee: £4.95/€4,95 issuance or replacement cost, 2.49% of a transaction to convert crypto to fiat.

Website: https://www.coinbase.com/

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#5) BlockFi Bitcoin Rewards Credit Card

Best for Bitcoin holders.

BlockFi credit card will be available starting Q2 of 2021 when the card ships to US residents in qualified states. This is a credit card that functions like a cashback card to earn rewards on spending your crypto and reinvesting the earned rewards.

With the credit card, you can earn up to 2% APY if you keep stable coin assets on your BlockFi Interest Account (BIA) account. It does not allow you to convert the earned Bitcoin rewards to other crypto forms and the rewards are not instant, so you cannot do time earnings when the Bitcoin price skyrockets.

Features:

• On all purchases, you get 1.5% cashback in Bitcoin.
• They offer US$250 in Bitcoin as a signup bonus for spending US$3,000 within the first three months.
• Get additional rewards of up to 3.5% in 4 to 6 months of owning the card. When approved for the card, for the first 90 days, you can get the 3.5% Bitcoin rewards rate. Further, when you spend over $50,000 annually, then for every dollar you can get 2% back in Bitcoin. Get rewards to BlockFi account monthly.
• Can get additional interest in referring friends. Earn $30 in bitcoin for every client referral.
• Allows you to pay bills, purchase, and withdraw any crypto in the form of fiat at any VISA merchant, outlet, or ATM.
• No credit score checks for qualification purposes.

Fees: There is no annual fee, no foreign transaction fees, and no fees to use the card.

Website: https://blockfi.com/learn/credit-card?variant=credit-card

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#6) Wirex Visa Card

Best for regular shoppers and altcoiners.

The Wirex Visa Card lets users operate both fiat and crypto accounts and exchange crypto for fiat with no intermediaries. Users can earn rewards in cashback when they spend or buy anything with the card.

This card allows you to operate even multi-sig accounts.

Features:

• Get 2% cashback on purchases with the card. Cashbacks paid in WXT are the platform’s native token that can be converted to any crypto.
• Allow up to SG$ 1400 daily ATM withdrawals and $2500 debit/credit card top-up.
• Gives in-app alerts. The app allows for transactional history tracking.
• Currently supports 36 cryptocurrencies and over 150 national currencies.
• By converting crypto to local currency immediately at merchant stores and ATMs, you save up to 3% on overseas transactions.
• Friend referral commissions, 10 USD in WXT.

Fees: It costs nothing. There are no exchange fees when converting crypto to fiat. Requires no maintenance charges. Card delivery is SGD 5-25, 1% top up with a crypto account, free to top up with an external credit or debit card.

Withdrawing at an ATM is free up to 400 SGD per month, charged 2% thereafter. Crypto transfers out, USD 10k per transaction and up to $50,0000 per day.

Website: https://wirexapp.com

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#7) Nexo

Best for those interested in crypto loans.

The Nexo MasterCard physical crypto credit card allows users to take crypto loans of up to US$2 million on their crypto holdings.

You secure or insure the loan with the crypto you are currently holding in the wallet which means you can only take a loan whose value is lesser than the value of crypto holdings. You should avoid selling the crypto and exiting your position. It supports about 20 cryptocurrencies currently.

Features:

• Earn 2% cashback rewards on purchases or spending with the card.
• Has an iOS and Android mobile app which allows you to control the card, for example, freezing and setting notifications for all transactions. Change pin and ATM if needed.
• Application for a loan requires creating an account, passing KYC, and depositing crypto to the wallet. You qualify for it in advance.
• Can pay loan interest in crypto or fiat.
• Accepted everywhere MasterCard is accepted, that means on 40 million merchants, stores, and ATMs across the globe.
• Create virtual cards for safer online usage of the card.

Fees: There are no monthly/annual fees and no application fees.

Website: https://nexo.io

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#8) Crypterium Visa Crypto Card

Best for regular shoppers.

Crypterium provides both virtual and plastic prepaid debit cards that can be topped with crypto from the Crypterium wallet. You can use them to convert crypto to fiat and spend it to purchase goods and services wherever VISA is accepted, i.e. at thousands of global merchant stores, outlets, and even you can withdraw fiat at ATMs around the world.

You can get the virtual card in minutes, not days. It’s an enormous network with over 30,000+ cards issued and processes over 1 million transactions monthly.

Features:

• Can withdraw up to $2,976 per month with a VISA card. You can withdraw cash in over 200 countries globally, and shop online & offline in over 42 million retailers. Daily load is up to €5000.
• Also connects to ApplePay.
• 3D Secure, SMS code, secret phrase verification, 2-factor authentication, Touch ID, instant lock/unlock the card from the Crypterium wallet.
• 3 types of cards – virtual, plastic, and full pack.

Fees: It has a $3.56 monthly maintenance fee that can be waivered if you load the card with $356 each month. Delivery for the physical plastic card is €14.99.

Website: https://crypterium.com/

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#9) SoFi Credit Card

Best for investors and holders.

SoFi Credit card allows users to earn back rewards on purchases. It currently supports Bitcoin and Ethereum only.

Features:

• Earn 2 points per $1 spent; redeem each point per penny by depositing them into a SoFi account. That is by depositing them in Sofi Money, SoFi Invest, or by paying SoFi Student Loan Refinances or Personal Loans.
• Earn $100 for opening a SoFi Money or Invest account and get approved for a SoFi credit card.
• Earn 2% cashback on purchases with the card.
• Lower APR by 1% when you make 12 monthly on-time payments of the minimum due.
• The annual percentage rate or APR on purchases is 12.99% to 24.99%, based on your creditworthiness. 12.99% to 24.99% APR for balance transfers. 26.99% APR for cash advances.

Fees: It has no annual fees and no foreign transaction fees. Charge $10 or 5% of each balance transfer and $10 or 5% of each cash advance. Late payment penalties and returned payment fee – Up to $39. 

Website: https://www.sofi.com/

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#10) TenX Visa Card

Best for regular crypto-fiat spenders.

This debit card also lets you spend Bitcoin, Ether, and Litecoin instantly at merchant stores, ATMs, and outlets that support Visa. That means you get to either withdraw crypto in fiat or pay for goods and services wherever a Visa is accepted.

Users place the card orders through the app and upon application, the card takes 7 to 9 days for EU/EEA addresses and up to 5 weeks for APAC addresses to ship. To spend, users will simply need to load their card with crypto using the iOS and Android app.

The card started operating in 2017 and the issuing bank is Wirecard Card Solutions Ltd. The company was part of a PayPal incubation program. TenX has PAY and TENX platform tokens, the first being used as utility tokens while TENX is regulated.

Features:

• Fraud prevention by Visa’s 3-D Secure.
• Real-time in-app notification, locking and unlocking the card, and 2-factor authentication to secure the card against fraudsters.
• Supports just four cryptos, is not available in the U.S., available only in 3 countries, has no reward program for the card, and the company has faced solvency issues in 2020.
• Can be funded only with crypto.
• Can track your expenses in real-time on the mobile app. Generate monthly reports, and plan expenditures.

Cost and fees: One-time fee costs, EUR 15 for users in the EU/EEA and USD 15 for users in APAC. Charge $3.25 or 3 EUR per withdrawal, depending on location.

Website: https://tenx.tech

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#11) Swipe Visa card

Best for regular spenders.

The Swipe Visa debit card is a dual interface NFC/EMV physical card and three of the four can do ATM cash withdrawals. That means users can choose from among four optional card tiers with different percentages of rewards – Saffron, Sky, Steel, and Slate.

Users can get cashback by shopping on Netflix, Apple Music, Hulu, and Amazon Prime. Get extra cashback rewards for Travala, Uber, Starbucks, and Airbnb.

The entry-level card costs $25 and there is no requirement to stake the tokens. You get 1% cashback paid in Bitcoins. Sky offers 2% cash back and is a must to stake 300 SXP. With the Steel option, you get 4% cash back and must stake 30,000 SXP to get the card.

Suggested Read => Best Crypto Steel Wallets

Users can earn more rewards by spending SXP tokens, which can be used on Ethereum and Binance Chain. Users can stake the token to earn staking rewards.

Features:

• Integration with Apple Pay, Samsung Pay, and Google Pay to allow users to pay for goods and services with the card.
• Get 1-5% Cashback. 10-100% on specific purchases.
• No option to load with fiat.
• Supports seven cryptocurrencies that can be loaded for spending with the card.
• When you stake tokens to get the cards, the lock-up period is 6 months.

Fees: Steel and Slate users do not pay foreign transaction fees, others do. $25-$50 to get cards in addition to staking costs. You must stake the platform tokens to get some card tiers. 2% foreign transaction exchange fees apply. 

Website: https://swipe.io/

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#12) Spend it

Best for Virtual Card for crypto transactions.

With Spend It, you get a virtual prepaid Visa card that can be used to buy and sell cryptocurrencies. To get started with the card, all you have to do is top up the card with any amount ranging from $20 to $750. Follow this up by making a crypto deposit. You can use Bitcoin, Ethereum, USDC, and USDT for your transaction.

You will receive your card within minutes of making a deposit. There is no need for registration, logins, or user information to get the card issued. The card can be used for transactions at over 40+ million merchants. Simply put, the card will work wherever a Visa card is accepted.

Features:

• No KYC Required for Card Issue
• Make deposits using Crypto like Ethereum, Bitcoin, USDC, and USDT.
• Built-in Metamask Integration
• Add the card to Apple Pay and Google Pay
• Usable multiple times

Price: Depositing funds incurs a fee of 8%. Using the card, however, is free.

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Frequently Asked Questions

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Conclusion

This tutorial has listed only two crypto credit cards are Gemini Card, which is yet to be released, and the BlockFi crypto rewards credit card. Others are debit cards. Almost all allow you to earn crypto rewards when you purchase their goods and services or even crypto.

If you want to get a debit or credit card to chase crypto rewards for every purchase made, then we suggest Crypto.com which provides up to 8% cash backs on purchases. Coinbase provides 4% but it has application and maintenance costs.

If you are a merchant, Crypto.com also stands out as it has the most crypto options through which you can get paid for goods and services. If you want loans and related cashback on card purchases, only Nexo Card will serve those needs.

The upcoming Gemini credit card will provide instant cashback rewards on purchases, unlike all other cards in the market right now.

Also read =>> Best Penny Cryptocurrency to invest

Review Process:

Time taken to research and write this article: 8 Hours
Total tools initially shortlisted for review: 10
Total tools researched online: 10