Best self-custody crypto cards in 2026
A self-custody card spends from a wallet or smart account you control, so no company holds your balance between purchases. Here's how the self-custody cards we track compare.
Quick answer
The best self-custody crypto cards are ether.fi Cash for cashback and borrowing, Bleap and COCA for Europeans who want low fees, Avici for the lowest costs, and the MetaMask Card for spending straight from your wallet in the US. Tuyo and Payy cover the most countries.
Our picks
1. ether.fi Cash
3% cashback on the free tier and the option to borrow against your assets instead of selling.
2. Solid
Self-custody smart wallet with 3% USDC back on the free tier and yield on savings. Virtual only.
3. Bleap
No annual, FX or conversion fee, €400 a month of free ATM use and category cashback in USDC. EEA only.
4. COCA
0% FX on every currency, a personal IBAN and free ATM up to $250 a month. 76 countries.
5. Avici
Your USDC stays in an escrow only you can withdraw from. No Avici FX markup or transaction fees.
6. MetaMask Card
Spends directly from your MetaMask wallet with no fee on stablecoins in your local currency. Works in the US.
7. Plasma One
Self-custody stablecoins with local bank rails in six currencies and 2% back on the free tier.
8. Rizon
Self-custody card with US and EUR account details, good for remote workers.
9. Tuyo Card
Free, with no annual fee, and listed in over 200 countries. No cashback.
Side by side
| Card | Score | Cashback | FX fee | Annual fee | ATM | Custody | Regions |
|---|---|---|---|---|---|---|---|
 Image: ether.fiether.fi Cash |
7.8 | 3% to 4% back | About 1% plus up to 0.5% | Core free | ATM withdrawals on all tiers | Self-custody | Europe (EEA), United Kingdom, Latin America, Asia-Pacific, Middle East |
 Image: Solid (Fuse)Solid |
7.9 | 3% to 5% in USDC | 1.5% on non-USD purchases at every tier (1% card provider plus 0.5% Solid), built into the rate | Core free | Not available | Self-custody | Global, United States, Europe (EEA), United Kingdom, Latin America, Asia-Pacific, Africa, Middle East |
 Image: BleapBleap |
7.8 | 1% to 20% in USDC by category | 0% from Bleap | None | Free up to €400 a month, then 2% | Self-custody | Europe (EEA) |
 Image: COCACOCA |
7.8 | 1% to 8% in stablecoins | 0% on all currencies | None | Free up to $250 a month, then 2% | Self-custody | Global, Europe (EEA), United Kingdom |
 Image: AviciAvici |
6.5 | No ongoing cashback | 0% Avici markup | Platinum none | Platinum: $1 plus 0.65% per withdrawal | Self-custody | United States, Latin America, Asia-Pacific, Middle East |
 Image: MetaMask (Consensys)MetaMask Card |
7.4 | About 1% back, up to 3% on Metal | Free tier: 1% cross-border fee | Free tier $0 | Free tier: 2% | Self-custody | United States, Canada, Europe (EEA), United Kingdom, Latin America |
 Image: PlasmaPlasma One |
7.7 | 2% to 4% in XPL, up to 10% on AI spend | Plasma markup: 1% Lite, 0.5% Core, 0% Platinum | No annual fee listed for US tiers | ATM withdrawals listed for US tiers | Self-custody | Global, United States, Europe (EEA), United Kingdom, Latin America |
 Image: RizonRizon |
6.5 | 0% to 2.5% by plan | 1.7% Standard, about 1.28% Gold, about 1.02% Emerald | Standard free | $1 plus 0.65% | Self-custody | Global |
 Image: TuyoTuyo Card |
6.2 | No published cashback | 1% on non-USD purchases | None | Visa ATM withdrawals at compatible ATMs with a PIN. Up to $250 per withdrawal including the ATM's surcharge, and 3 attempts per rolling 24 hours (declines count) | Self-custody | Global, Latin America, Asia-Pacific, Africa, Middle East |
How we picked
Only cards where the issuer states that you keep custody of your funds are included. We then ranked by fees, reach and rewards. Full details are on our methodology page. Card terms change often, so check each card's page for the date we last verified it.