Are you eager to spend cryptocurrency daily but unsure about the best crypto debit and credit cards available?
To assist you in making an informed decision, we’ve compiled an overview of the top 10 crypto debit and credit cards for 2024, ensuring you can maximise the potential of your digital assets.
List of 10 best crypto debit and credit cards
[key_takeaways title="Quick look"]
- Crypto.com Visa card: Best for crypto enthusiasts who want to spend their holdings and earn rewards in crypto.
- Coinbase card: Best for people already using the Coinbase platform who want to earn cashback in crypto.
- Wirex card: Best for travellers who frequently deal with multiple currencies and want global coverage.
- ByBit card: Best for people who want to use cryptocurrency for daily expenses, offering cashback rewards, flexible savings, and easy global payments.
- Gemini card: Best for individuals invested in the Gemini ecosystem who value security and convenience.
- Nexo dual-mode card: Best for crypto holders who want to earn interest on their holdings and spend using a credit line.
- SoFi credit card: Best for SoFi users who want to consolidate finances and potentially qualify for lower interest rates.
- Venmo credit card: Best for users who primarily utilise Venmo for payments and want credit card benefits.
- Robinhood Cash Card: Best for individuals who already use Robinhood and want to centralise their finances within the platform.
- ezzocard prepaid card: Best for users who seek a budgeting tool and alternative to traditional banking for basic spending needs.
[/key_takeaways]
Want to spend your crypto as easily as cash? Discover swissmoney
The swissmoney Debit Card is a Swiss MasterCard, allowing you to spend fiat money and cryptocurrency. When using crypto, it’s quickly converted to euros.
Shop at any store using a single swiss money card, whether with fiat or cryptocurrency:
- Dedicated IBAN accounts for effortless global transactionsin both crypto and fiat.
- Virtual debit cards are compatible with the most popular digital wallets and allow you to spend crypto easily and without any limits.
- Competitive fees for buying and selling cryptocurrencies.
- Enhanced security with KYC, 2FA, and biometric identification, ensuring the safety of your assets.
The swissmoney card stands out for its seamless and secure fiat and crypto online purchases, alongside hassle-free transactions in physical stores.
Let’s explore each option on our list in more detail:
Best crypto debit and credit cards: Comparison table
| Card Name | Type | Network | Cashback | Foreign transaction fee | Weekly withdrawal limit | Weekly spending limit |
| Crypto.com Visa Card | Debit | Visa | Up to 5% CRO | 0.2-2% | €200-1,000 | €25,000 |
| Coinbase Card | Debit | Visa | Up to 4% crypto | None | N/A | Depends on account funds. |
| ByBit | Debit | Mastercard | Up to 10% | 0.5% in EEA and 1% in Australia | 2,000 EUR/GBP daily | 5,000 EUR/GBPdaily |
| Wirex Debit Card | Debit | Visa / Mastercard | Up to 8% Cryptoback | None | $500 | $10,000 |
| Gemini Credit Card | Credit | Mastercard | 1-3% crypto | None | N/A | Depends on a credit score. |
| Nexo Dual-Mode Crypto Card | Credit / Debit | Mastercard | Up to 2% crypto | None (up to €10,000) | Up to $10,000 | $450,000 |
| SoFi Credit Card | Credit | Mastercard | 2% (various options) | None | N/A | Depends on a credit score. |
| Venmo Credit Card | Credit | Visa | Up to 3% (varies) | None | N/A | N/A |
| Robinhood Cash Card | Debit | Mastercard | Rewards at specific merchants | None | $2.50 (ATM) | $3,000 (daily) |
| ezzocard | Prepaid | Visa / Mastercard | No | 3% (non-USD), 2.5% (non-CAD) | Limited by card type | Limited by card type |
10 best crypto debit and credit cards in detail
Crypto.com debit card
The Crypto.com Visa Card is a prepaid crypto debit card that lets users turn their cryptocurrency into regular money for instant spending. It’s issued by Digital Commerce Bank and provided by Foris, Inc.
The card works with 19 cryptocurrencies and 20 fiat currencies, with lower transaction fees than some rivals.
Why choose a Crypto.com Visa Card?
The Crypto.com Visa Card offers various features that cater to those looking for convenient ways to use their cryptocurrency holdings.
Key features:
- Supports 19 different cryptocurrencies and 20 fiat currencies.
- 5 card tiers with differing rewards and requirements.
- Security measures include encryption, two-factor authentication (2FA), and fraud protection.
- A strong reputation among customers.
- Unique perks like increased asset liquidity and specific benefits tailored to cryptocurrency users.
Security:
Regulated custodian bank accounts, cold and hot wallets, hardware security modules, and multi-factor authentication.
Crypto.com card pricing:
- Top-up fee: 1%.
- Foreign transaction fee: 0.2-2% on Midnight Blue, Ruby Steel, Royal Indigo and Jade Green Cards for non-EUR & GBP purchases and ATM transactions.
- ATM withdrawal fee: 2% on amounts above the monthly ATM limit.
Crypto.com card limits:
- Free monthly ATM withdrawal limit: €200-1,000.
- Monthly ATM withdrawal limit: €10,000.
- Daily purchase limit: €25,000.
- Monthly purchase limit: €25,000.
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📚Read more: Crypto.com Card Review
📚Related: How to Withdraw Money from Crypto.com
Coinbase debit card
The Coinbase card is a Visa debit card that allows users to spend their cryptocurrency holdings at locations accepting Visa cards. It is issued by Pathward and powered by the user’s Coinbase account balance.
The card supports many cryptocurrencies, including Bitcoin, Ethereum, Litecoin, Bitcoin Cash, Stellar Lumens, Basic Attention Token, 0x, and Augur.
Why choose a Coinbase Card?
The Coinbase Card is a convenient option for cryptocurrency enthusiasts to leverage their investments for everyday purchases while maintaining control over their assets.
Key features:
- Worldwide ATM access and contactless payment capabilities.
- Option to spend crypto holdings and funds in available regular currency at any Visa-accepting location.
- The app helps manage the card, set PINs, choose funding sources, track transactions, and secure the card against loss or theft.
- Contactless payments.
- Acceptance of over eight cryptocurrencies, including Bitcoin, Ethereum, and Litecoin.
- Option to earn crypto.
Security:
Two-factor authentication (2FA), touchID, faceID, and the ability to instantly block or freeze the card for added security.
Coinbase card pricing:
- Top-up fee: None.
- ATM withdrawal fee: You may be charged fees by an ATM operator.
Coinbase card limits:
- Daily ATM withdrawal limit: $1,000.
- Spending limit: Depends on the funds available in the account.
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📚Read more: How to Withdraw from Coinbase, How to Cash Out on Coinbase, How to Delete Coinbase Account
Wirex debit card
A Wirex debit card is linked to a Wirex account, letting users spend cryptocurrency and regular money like a normal debit card. Users can add funds by transferring money from their Wirex account, receiving transfers, or using third-party payment providers.
The card can be used for purchases or cash withdrawals, with low fees for foreign transactions.
Why choose a Wirex debit card?
The Gemini card offers a unique opportunity for users to earn rewards in the form of cryptocurrency, with advanced security measures and no annual fee.
Key features:
- Crypto and fiat spending.
- Available to use where Visa or Mastercard is accepted.
- Up to 8% crypto back every time you use your card.
Security:
Advanced features like two-step verification, instant card freeze, and top-notch security to keep your card safe.
Wirex card pricing:
- Top-up fee: None.
- Foreign transaction fee: None.
- ATM withdrawal fee: 2% on amounts above $200 per month.
Wirex card limits:
- Daily purchase limit: €30 000 / $4,000.
- Monthly purchase limit: €30 000 / $10,000.
- Maximum daily cash withdrawal limit: $500.
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ByBit Card
The Bybit card is a highly popular crypto debit card, enabling users to use their crypto for everyday purchases.
It links directly to your Bybit funding account, making spending crypto with the card easy. Users can get a physical or virtual Bybit card for online and offline transactions.
Why choose a ByBit Card?
People might opt for a ByBit Card for its perks like cashback, rewards, and flexible savings, allowing instant global spending of cryptocurrency with special loyalty rewards and reduced fees.
Key features:
- You can add funds to the card using either cryptocurrency or traditional fiat currency.
- Top up the card through a Bybit funding account.
- Accessible in the European Economic Area (EEA) and Australia.
- Offers a cashback program.
- Accepted in over 200 countries.
- Supports BTC, ETH, XRP, USDT, and USDC.
Security:
2FA, 256-bit encryption, a history of no hacks, an anti-phishing code, and withdrawal address lock.
ByBit Card pricing:
- Top-up fee: None.
- ATM withdrawal fee: 2% after the first 100 EUR/GBP monthly.
- Foreign exchange fee: 0.5% in EEA and 1% in Australia on top of Mastercard’s Foreign Exchange Rate
ByBit Card limits:
- Daily ATM withdrawal limit: 2,000 EUR/GBP, 600 USD.
- Daily spending limit: 5,000 EUR/GBP, 13,500 USD
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📚Read more:
Gemini Credit Card
The Gemini Credit Card offers cryptocurrency rewards on every purchase. WebBank issues the cards, which run on the Mastercard payment network.
Why choose a Gemini card?
The Gemini Credit Card offers a convenient way for individuals to integrate crypto investing into their daily lives.
Key features:
- Crypto back in the form of rebates.
- The user’s sensitive information is removed and only accessible through the Gemini app.
- Black, silver, and rose gold metal cards.
- Rewards in Bitcoin, Ethereum or 40+ other cryptos currently
- Access to deals with popular merchants such as DoorDash, HelloFresh, Lyft, and ShopRunner.
- Mastercard’s Priceless Experiences.
- 24/7 customer support.
Security:
Advanced features include Mastercard ID Theft Protection, Zero Liability, and Price Protection.
Gemini card pricing:
- Annual fee: None.
- The annual percentage rate for purchases: 18.24% – 30.24%.
- Cash advance fee: $10 or 3% of the amount of each cash advance.
- Late payment fee: Up to $20.
- Variable penalty APR: 35.24%
- Top-up fee: None.
- Foreign transaction fee: None.
Gemini card limits:
- Daily spending limit: $1,000
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Nexo dual-mode crypto card
TheNexo crypto card is the first credit card of its kind, allowing crypto owners to access their liquidity without selling their assets.
The dual-mode crypto card can be used as a credit and debit card, giving users flexibility. In credit mode, it lets users make purchases without selling their crypto. In debit mode, it allows spending of cryptocurrencies and stablecoins, with the ability to earn daily compound interest.
The Nexo card is linked to the available balance, providing liquidity for everyday expenses, online purchases, and subscriptions.
Why choose Nexo crypto credit and debit card?
The Nexo crypto card offers dual-mode flexibility, letting users switch between credit and debit modes as needed. It makes it an attractive option for those wanting to use their cryptocurrency assets effectively.
Key features:
- Credit and debit card modes.
- Deposited crypto instantly becomes a backup for your credit line.
- Virtual and physical card options.
- Compatible with Apple Pay and Google Pay.
- Accepted by over 100 million merchants across the globe.
- App for card management.
- Four tiers.
Security:
Registered EMI with MFA and FIDC insurance, featuring 2FA and 256-bit encryption.
Nexo card pricing:
- Credit card interest rate: Up to 15.9%.
- Annual fee: None.
- Foreign transaction fee: None up to €10,000 per month, depending on your tier.
- Withdrawal fees: 5 free withdrawals. Later, 1.99 EUR/GBP per additional withdrawal.
Nexo card limits:
- Free monthly ATM withdrawal limit: Up to 5 per month, depending on your tier.
- Monthly ATM withdrawal limit: Up to $10,000.
- Daily spending limit: $15,000.
- Monthly spending limit: $450,000.
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📚Read more: Nexo Crypto Card Review, Nexo Crypto Review
SoFi credit card
A SoFi Credit Card is a Mastercard payment card that gives cashback rewards. It earns 2% cashback on all purchases, which can be used for various benefits like applying towards a SoFi loan or account, depositing into a SoFi Money or Invest account, or as a statement credit.
Rewards must be redeemed into an eligible SoFi account to get the most value. The SoFi Credit Card has no annual or foreign transaction fees. Plus, it offers a 3% cashback bonus on SoFi Travel bookings.
Why choose a SoFi credit card?
The SoFi credit card offers a sleek metal design, no annual fee, no foreign transaction fees, and rewards in various cryptocurrencies making it a cost-effective and flexible option for crypto enthusiasts.
Key features:
- Rewards in different cryptocurrencies, offering flexibility and investment potential.
- An ID theft protection.
- A full 2% cash back on statement credit.
- 24/7 travel concierge service and monthly Lyft credits.
- Simple credit score and financial monitoring via SoFi Insights.
Security:
Funds are held in a bank account, FDIC insurance up to $2M, 24/7 monitoring, real-time alerts, and 2FA.
SoFi credit card pricing:
- Annual Percentage Rate (APR) for purchases: 20.24-29.99%.
- Balance transfer fee: $10 or 5%.
- Cash advance fee: $10 or 5%.
- Penalty fee: Up to $41.
- Foreign transaction fee: None.
SoFi credit card limits:
- Maximum daily ATM withdrawal: $1,000.
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Venmo Credit Card
The Venmo Credit Card, issued by Synchrony Bank, is a no-annual-fee Visa card that effortlessly maximises rewards. It has various features, including splitting transactions with friends on Venmo and using Venmo account balance to pay bills.
The Venmo Credit Card and the Venmo Debit Card offer distinct rewards programs tailored to each card.
Why choose a Venmo credit card?
The Venmo credit card caters to users who often make payments through the Venmo app and desire cashback rewards convertible into cryptocurrency.
Key features:
- Rewards on travel, dining, nightlife, groceries, entertainment, bills, and utilities.
- Compatible with Apple Pay, Google Pay, and Samsung Pay.
- Option to auto-purchase crypto with cashback.
- Bill splitting function.
- App for card and spending management.
- Exclusive Visa features.
Security:
PCI-compliance, encryption, PINs.
Venmo credit card pricing:
- Annual fee: None.
- Foreign transaction fee: None.
- The annual percentage rate for purchases: Up to 29.49%
- Cash advance: $10.00 or 5%.
- Late payment penalty fee: Up to $40.00.
Venmo credit card limits:
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Robinhood Debit Cash Card
The Robinhood Cash Card functions as a prepaid Mastercard debit card. Upon obtaining the card, Robinhood establishes a Robinhood Spending Account and connects it to the card. This setup allows you to deposit funds into your spending account and use the card for purchases, similar to a checking account.
Why choose a Robinhood Cash Card?
The Robinhood Cash Card offers several benefits, including investment opportunities by linking the card to a Robinhood brokerage account, access to a large ATM network, and virtual card availability.
Key features:
- Option to automatically invest a portion of each paycheck into stocks or cryptocurrency.
- Mastercard Zero Liability Protection.
- Capability to issue checks.
- Insurance up to $250,000 by the FDIC if the bank fails.
Security:
Several different fraud checks, 2FA, encryption, location protection, lost or stolen card reporting, incident response plans, threat detection and incident management programs.
Robinhood Cash Card pricing:
- Top-up fee: None.
- Foreign transaction fee: None.
- ATM withdrawal fee: $2.50 (fee can be lower if you have direct deposit).
Robinhood Cash Card limits:
- Monthly ATM withdrawal limit: N/A.
- Daily purchase limit: $3,000.
- Monthly purchase limit: $10,000.
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📚Read More: How to Withdraw Money from Robinhood
Ezzocard
Ezzocard offers virtual prepaid Visa and Mastercard bank cards for anonymous online payments. These cards are accepted worldwide and can be used on any website that accepts Mastercard or Visa prepaid cards. Additionally, Ezzocard provides non-refundable gift cards for shopping at online retailers.
Why choose Ezzocard?
Ezzocard offers some advantages, including instant card delivery, anonymity, a straightforward refund policy, and no hidden fees.
Key features:
- Usable wherever Visa or Mastercard is accepted.
- Available in USD and CAN currencies.
- Prepaid cards
- Six different types of cards.
- Quick acquisition time, ranging from 5 to 30 minutes.
Security:
Encryption, 2FA, masked card services, and it does not require any personal information.
Ezzocard pricing:
- Non-USD transaction fee: 3%.
- Non-CAD transaction fee: 2.5%.
Ezzocard limits:
Brown cards have a single transaction limit of CAD 70 and a card lifetime maximum spend of CAD 225 for purchases in the EEA.
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📚Related: Ezzocard review
[note title="Note"]
All information provided is dated 1ų April 2024 and may have been updated since. Please check each platform’s official website for the latest information.
[/note]
Best crypto debit and credit cards by use case
- Best for benefits and perks: Crypto.com Visa card, Coinbase card, Gemini card.
- Best for daily spending: swissmoney card.
- Best for international travel: swissmoney card, Wirex visa card, Nexo card.
- Best for spending crypto like cash: Wirex Visa card, swissmoney card.
- Best for beginners: swissmoney card, Gemini card, Venmo credit card.
How to choose the best crypto debit or credit card
Choosing the best crypto debit or credit card can be overwhelming. Here are some of the aspects you should take into consideration.
Security
When picking a crypto debit or credit card, prioritize security. Look for cards with high-level security features like encryption, two-factor authentication, and fraud protection to keep your crypto safe.
Remember that the FDIC doesn’t insure cryptocurrency exchanges or cover cryptocurrency directly.
📚Learn more: Secured Business Credit Card
Fees
Fees for crypto debit and credit cards can vary greatly.
For instance, the Crypto.com Visa Card has a 1% fee for debit card top-ups and a 2% fee for ATM withdrawals exceeding monthly limits. On the other hand, Ezzocard may have high fees, starting at $6.99 for a $5 card and increasing for larger amounts.
When it comes to crypto credit cards, check APR for purchases, cash advance fees, and penalties for late payments.
Also, consider additional fees like foreign transactions, withdrawal, inactivity, and card replacement fees, which can affect overall costs. When assessing crypto cards, review the fee structure carefully to grasp potential transaction costs.
📚Related:Debit Card Fees
Limits
When selecting the best crypto debit or credit card, consider the set limits for each card. These limits, such as daily, monthly, and yearly caps on ATM withdrawals, top-ups, spending, and transfers, can vary significantly between providers.
For example, Wirex has a daily purchase limit of $4,000, whereas swissmoney doesn’t impose hard limits. With swissmoney, you can raise your daily limit as needed, enabling you to make high-value purchases without the delays, paperwork, and hassles associated with wire transfers.
Remember, you should not choose a card only because it has high limits. Assess your needs and then select the best option for you.
Reputation
Many argue that a strong reputation holds more value than low fees. Hence, when evaluating crypto cards:
- Examine their reputation and performance: Refer to reviews on platforms like Trustpilot to gauge reliability.
- Review news and media coverage: Seek positive or negative mentions to understand their reputation.
- Assess their social media activity: Check if the card provider interacts with users and resolves issues.
Opt for platforms with a proven track record of dependable service and no significant security breaches or controversies.
Cashback rewards
Various payment cards offer cashback in money, typically between 1% and 5% of spending, or rewards such as travel benefits or points. The cashback rates vary depending on the type of purchase or transaction volume, differing among different credit cards.
When choosing a crypto card, evaluate the available rewards and perks to ensure they align with your financial goals and preferences
📚Read more: How to Choose the Best Debit Card to Use Abroad
What are crypto debit and credit cards, and how do they work?
Crypto debit and credit cards are payment cards that enable users to spend their cryptocurrencies at merchants accepting traditional debit or credit cards.
How It Works
These cards link the crypto balance on a crypto wallet to a physical or virtual card, facilitating purchases or cash withdrawals at ATMs.
When a user purchases with a crypto card, the card provider converts the cryptocurrency into fiat currency at the prevailing exchange rate. It allows users to spend their digital assets seamlessly.
The difference between crypto debit and credit cards
A core distinction between crypto debit and credit cards lies in how they use cryptocurrencies.
Crypto debit cards enable spending on existing cryptocurrencies.
Crypto debit cards instantly convert the cryptocurrency into fiat currency at the time of purchase. This way, they facilitate seamless spending of digital assets without conversion concerns.
Crypto credit cards allow users to spend fiat money and earn rewards in crypto.
Crypto credit cards operate similarly to traditional ones, permitting users to borrow a fiat credit line and repay it monthly, with rewards granted in cryptocurrency instead of traditional perks.
| Crypto debit cards | Crypto credit cards |
| Spending crypto | Spending fiat |
| Only what you have | Option to borrow a fiat credit line |
| Cashback in crypto and other rewards |
Crypto credit cards and crypto debit cards offer advantages such as cashback rewards, no annual fees, and the opportunity to spend and earn in cryptocurrencies.
They also present drawbacks like geographic limitations, transaction fees, and potential price fluctuations.
Looking for a crypto debit or credit card for daily transactions?
Try swissmoney debit card. Our app lets you control your card easily, store digital assets, and make quick currency exchanges.
Unlike others, you can make instant purchases in Euros and manage your money while travelling internationally. Managing your finances is a breeze with easy currency conversion and real-time rates.
Get your swissmoney card in under 10 minutes. Experience convenience and security today!
Conclusion
As we wrap up our look at the top crypto debit and credit cards for 2024, it’s clear that they make spending cryptocurrencies easy and offer great rewards.
Whether you’re new to digital finance or a seasoned enthusiast, you’ll find a card for you in this list. Embrace the future of finance with these modern solutions and enjoy more financial freedom and flexibility.
Methodology: How we chose the best crypto debit and credit cards
We thoroughly reviewed Crypto Debit and Credit Cards to determine the best options. Our assessment included analyzing independent sources and user feedback and considering factors like features, benefits, drawbacks, pricing, and rewards.
We gathered information from official websites and trusted review platforms, focusing on cards with competitive fees and flexible limits. We presented our findings in the summaries provided above.
FAQs
What is a crypto card?
A crypto card is a payment card that allows users to spend their cryptocurrencies online or in-store, where traditional debit or credit cards are accepted.
These cards link the user’s cryptocurrency wallet to a physical or virtual card, which you can use to make purchases or cash withdrawals at ATMs.
Why use a crypto debit card?
A crypto debit card makes spending digital assets easier and saves on fees. Moreover, it offers enhanced security and cashback rewards and simplifies financial management. However, consider potential drawbacks like fees and taxes.
What are the most popular crypto debit cards?
According to various sources, some of the most popular crypto debit and credit cards in 2024 include:
- Crypto.com Debit Card
- Coinbase debit Card
- Gemini credit card
- Nexo crypto credit and debit card
- Binance debit card
Can I replace my regular payment card with a crypto card?
Yes, you can use a crypto card just like a regular payment card for purchases online and in stores. It converts your crypto into traditional currency for transactions and offers perks like rewards.
Plus, you can withdraw cash from ATMs that accept crypto.
Are crypto debit cards safe to use?
Many crypto debit cards have security measures, like encryption and 2FA, to prevent security breaches or fraud.
However, crypto debit cards can be targeted by fraudsters if not protected. They may exploit data breaches or phishing scams to steal personal information.
Choosing a reliable provider and monitoring transactions can help detect fraudulent activity.
Where can I use a crypto debit card?
You can use a crypto debit card almost anywhere you’d use a Visa or Mastercard, including millions of stores and ATMs worldwide. They make it easy to use digital assets for everyday purchases like groceries and gas.
However, some cards may have usage restrictions. Therefore, it’s wise to check with merchants beforehand.
Read more:
- Best Crypto Cards for UK Investors
- How to Use a Virtual Visa Card
- Visa vs Mastercard Network: The Battle of Two Giants in the UK
- The Best Prepaid Cards for Travel
- How to Buy Crypto with a Prepaid Card
- How to Transfer Money from a Credit Card to a Bank Account
- The Maestro Debit Card: An End and a Beginning
- Charge Card vs Credit Card
