Best crypto exchange cards in 2026
Exchange cards spend straight from your trading account, which is convenient but custodial. Watch the conversion fee: many charge around 0.9% every time crypto is sold to pay.
Quick answer
The best exchange card depends on where you live. In the UK and Europe, the Krak Card by Kraken has no FX or ATM fees, and the OKX Card charges just a 0.1% spread. In the US, the Coinbase One Card pays 2% to 4% in bitcoin. Bybit offers up to 10% for high VIP levels. Most exchange cards charge 0.9% to convert crypto when you pay, so spend stablecoins or cash where you can.
Our picks
1. Krak Card
No FX, transaction or Kraken ATM fees. UK and EEA.
2. OKX Card
No OKX card or FX fees and a 0.1% spread. Up to 10% for VIPs. EU and Norway.
3. Coinbase Card
2% to 4% in bitcoin on the US credit card, USDC debit card in the US and Europe.
4. Bybit Card
0.5% FX in Europe and cashback up to 10% by VIP level.
5. Crypto.com Visa Card
Available in more regions than most, with up to 4.5% in CRO on higher tiers.
7. Binance Card
Spend from Flexible Earn in Brazil, Australia, New Zealand and Peru. 2% FX.
8. Bitget Card
Up to 8% in BGB for large holders, but 0.9% on every purchase.
9. Gate Card
Spends straight from your Gate balance. Rewards mostly for VIPs.
10. MEXC Global Card
4% to 10% in USDT behind VVIP requirements. New in August 2026.
Side by side
| Card | Score | Cashback | FX fee | Annual fee | ATM | Custody | Regions |
|---|---|---|---|---|---|---|---|
 Image: KrakenKrak Card |
7.4 | 0% to 2% in BTC, EUR or GBP | UK and EEA: 0%, Mastercard's rate is passed through | None | 0% from Kraken | Custodial | United Kingdom, Europe (EEA), United States |
 Image: OKXOKX Card |
6.4 | 2% to 10% on USDG spend, VIP-based | No FX fee from OKX. Mastercard's rate applies | No card fee | Not stated | Custodial | Europe (EEA) |
 Image: CoinbaseCoinbase Card |
6.3 | 2% to 4% in BTC (Coinbase One Card, US) | Not published | Debit card: no annual fee listed | $0 from Coinbase (debit card) | Custodial | United States, Europe (EEA), United Kingdom |
 Image: BybitBybit Card |
6.4 | About 1% to 10% by VIP level | 0.5% (EEA) | None | Free to €100 a month, then 2% (EEA) | Custodial | Europe (EEA), Latin America, Asia-Pacific |
 Image: Crypto.comCrypto.com Visa Card |
6.4 | Up to 4.5% in CRO (prepaid), up to 6% (US credit) | 0% on prepaid in the US, Canada and EEA | No annual card fee on prepaid cards | ATM withdrawals supported on prepaid cards | Custodial | United States, Canada, Europe (EEA), United Kingdom, Latin America, Asia-Pacific, Middle East |
 Image: KuCoinKuCard |
5.6 | 0.5% to 3% in KCS | 0% advertised | None | 1.5%, plus the ATM operator's fee | Custodial | Europe (EEA) |
 Image: BinanceBinance Card |
6.0 | Up to 3% in selected markets | 2% on top of Mastercard's rate | None | 2 free withdrawals a month, then $1.50 each | Custodial | Latin America, Asia-Pacific |
 Image: BitgetBitget Card |
4.9 | 0.5% to 8% in BGB | No Bitget markup | None | $0.65 plus 2% per withdrawal | Custodial | Europe (EEA), Asia-Pacific |
 Image: GateGate Card |
4.7 | 1% to 8% in points | 0.4% on non-base-currency purchases | None | Not published | Custodial | Europe (EEA) |
 Image: MEXCMEXC Global Card |
5.4 | 4% to 10% in USDT | No MEXC markup | None | Not published | Custodial | Global |
How we picked
We compared exchange cards on the cost of a typical purchase (conversion plus FX), then rewards on the entry tier. Full details are on our methodology page. Card terms change often, so check each card's page for the date we last verified it.