# Crypto Cards Guide: full crypto card facts Last checked 17 October 2026. Source: https://cryptocardsguide.xyz. License: CC BY 4.0, credit Crypto Cards Guide. ## Solid Card (Crypto Cards Guide score 7.9/10) URL: https://cryptocardsguide.xyz/cards/solid/ Last checked: 2026-10-17 Solid is a self-custody savings and spending app whose virtual Visa pays 3% back in USDC on the free Core tier, capped at $50 a month (so the full rate covers about $1,667 of spending). Prime ($199 a year, or a FUSE token lock) pays 4% up to $100, and Ultra pays 5% up to $200. The card, top-ups and USD spending are free; other currencies cost 1.5%. There's no ATM access. Solid says the card works in 105 countries, including 30+ US states. - Best for: Stablecoin savers who want high cashback on everyday spending and yield on what they don't spend. - Skip if: You need a physical card or ATM cash. - Network: Visa - Card issuer: Rain or Wirex, depending on your country - Custody: Self-custody smart wallet. Card spending runs through the issuer partner. - Card type: Stablecoin debit, with an optional Credit mode backed by savings - Forms: Virtual - Card cost: Free - Annual fee: Core free. Prime $199 a year or a 12-month lock of 70,000 FUSE. Ultra needs a 12-month lock of 600,000 FUSE. - FX: 1.5% on non-USD purchases at every tier (1% card provider plus 0.5% Solid), built into the rate. Cross-border fees are covered by Solid. - Conversion: None. Top-ups and USD spending are free. - ATM: Not available - Other fee: Wirex-issued cards: euro purchases paid from a EURC balance have no FX fee - Other fee: Minimum card deposit $10 - Other fee: USD virtual account for ACH and wire: $10 once, then 0.5% per deposit on Core - Cashback: 3% to 5% in USDC - Core 3%, capped at $50 a month. Prime 4%, capped at $100. Ultra 5%, capped at $200. - Prime and Ultra add 8% to 20% back on the first eligible purchase each month in categories such as AI tools and streaming, within the same cap - Points for holding, spending and swapping, with no announced redemption yet - Top up: USDC or USDT to your Solid wallet on Fuse, Ethereum, Base and other listed networks; EURC on Base for the euro balance on Wirex cards; ACH or wire into a USD virtual account where eligible. Fees: No Solid top-up fee. Network fees apply, and bridging from some networks costs about 0.03% to 0.1%. - Withdraw: Move funds back to your wallet and send USDC on supported networks. Fees: Card-to-wallet free. Solid covers gas on USDC sends. - Assets: USDC and USDT, plus EURC for euro spending. Savings convert to soUSD. - Availability: 105 countries, including more than 30 US states. KYC approval and local restrictions apply. Sanctioned countries and some US states. Check the app before you sign up. - Limits: Spending is limited by your balance; purchases above about $250,000 may need Visa verification - Perks: Savings vault paying a variable yield on USDC; Credit mode: spend against savings so they keep earning - Pros: 3% back in USDC with no fee; Free card, top-ups and USD spending; Self-custody with yield on idle savings - Cons: 1.5% FX on non-USD purchases; Virtual only, no ATM access; Higher tiers need $199 a year or a large FUSE lock - Verdict: One of the best free cashback cards right now, as long as you only need a virtual card. Stay on Core unless you spend over $1,700 a month. - Sources: - Solid Help: card fees and limits: https://support.solid.xyz/en/articles/12898984-card-fees-limits (Issuers, FX, top-up, cashback by tier, checked Oct 17, 2026) - Solid Help: how Solid Rewards works: https://support.solid.xyz/en/articles/15587319-how-does-solid-rewards-work (Tiers, prices, caps, FUSE lock change on Oct 12, 2026) - Solid Help: fees and limits overview: https://support.solid.xyz/en/articles/13885984-solid-fees-and-limits-the-complete-overview (Deposits, virtual account, withdrawals) - Solid Help: euro cards with zero fees: https://support.solid.xyz/en/articles/17463454-euro-cards-two-ways-to-spend-euros-with-solid-at-zero-fees-wirex-cards (EURC balance on Wirex cards) ## Bleap Mastercard (Crypto Cards Guide score 7.8/10) URL: https://cryptocardsguide.xyz/cards/bleap/ Last checked: 2026-10-16 Bleap is a free, self-custody Mastercard for the EEA that spends USDC, USDT, ETH, BTC, SOL or USDe from a smart account on Base and Polygon. Bleap charges no annual, FX or conversion fee, and ATM use is free up to €400 a month, then 2%. Cashback is paid in USDC: 20% on subscriptions, 3% on rides and food delivery, 2% on restaurants and supermarkets, and 1% on everything else, within a fair-use limit. - Best for: Europeans who want self-custody with strong everyday cashback in stablecoins. - Skip if: You live outside the EEA or need to spend more than $20,000 a month. - Network: Mastercard - Card issuer: Unlimit EU Ltd (EMI regulated by the Central Bank of Cyprus) - Custody: Self-custody smart account - Card type: Debit - Forms: Virtual, plastic and metal - Card cost: Not published - Annual fee: None - FX: 0% from Bleap. Mastercard's rate and a small network spread apply. - Conversion: 0% from Bleap - ATM: Free up to €400 a month, then 2% - Other fee: Network gas and spreads may apply when moving or converting crypto - Cashback: 1% to 20% in USDC by category - 20% on subscriptions, 3% on rides and food delivery, 2% on restaurants and supermarkets, 1% on everything else - Paid in USDC, subject to a fair-use limit - Top up: Hold USDC, USDT, ETH, BTC, SOL or USDe in your Bleap smart account on Base or Polygon. Fees: No top-up fee. Network gas applies onchain. - Withdraw: Send funds from your smart account to any wallet; ATM withdrawals. Fees: ATM free up to €400 a month. - Assets: USDC, USDT, ETH, BTC, SOL and USDe on Base and Polygon. - Availability: The EEA. Latin America is planned. Not yet available outside the EEA. - Limits: $20,000 a month - Perks: Big category cashback on subscriptions - Pros: Self-custody with no annual, FX or conversion fee from Bleap; Category cashback in USDC; €400 a month of free ATM use - Cons: EEA only for now; Fair-use limit on cashback isn't specified; $20,000 monthly spending cap - Verdict: One of the best self-custody cards in Europe for everyday spending. - Sources: - SpendNode: Bleap Mastercard review: https://www.spendnode.io/crypto-cards/bleap-mastercard/ (Issuer, custody, fees, cashback, Aug 3, 2026) ## COCA Visa Card (Crypto Cards Guide score 7.8/10) URL: https://cryptocardsguide.xyz/cards/coca/ Last checked: 2026-10-16 COCA is a self-custody Visa card issued by Wirex, with no annual fee and 0% FX on all currencies. ATM withdrawals are free up to $250 a month, then 2%. Cashback is paid in USDC or EURC: 1% with nothing staked, rising to 3% to 8% if you stake 300 to 30,000 COCA tokens. Monthly claim limits apply, from $15 to $350. USD balances earn a variable 5% a year, and you get a personal IBAN. - Best for: Self-custody fans who spend abroad and want an IBAN. - Skip if: You want high cashback without staking a token. - Network: Visa - Card issuer: Wirex Limited (UK) and UAB Wirex (EEA) - Custody: Self-custody smart wallet - Card type: Debit - Forms: Virtual (free) and physical ($5, free from Premium) - Card cost: Virtual free. Physical $5 (free on Premium and above). - Annual fee: None - FX: 0% on all currencies - Conversion: 0% trading fee. Cross-chain swaps free. - ATM: Free up to $250 a month, then 2%. Limit €850 a day. - Cashback: 1% to 8% in stablecoins - Starter (no stake) 1%. Standard (300 COCA) 3%. Standard+ (1,000) 4%. Premium (3,000) 5%. Premium+ (10,000) 6%. Elite (30,000) 8%. - Monthly claim capacity from $15 (Starter) to $350 (Elite) - 50% back on selected subscriptions up to $35 each - Staked COCA is locked, with a 30-day cooldown - Top up: Deposit USDC, USDT, ETH or BTC to your smart wallet; SEPA transfers to your personal IBAN. Fees: No top-up fee. - Withdraw: Send crypto to any wallet; SEPA transfers; ATM withdrawals. Fees: ATM free up to $250 a month. - Assets: USDC, USDT, ETH, BTC and more. - Availability: 76 countries as of October 2026. Not available in the US, Canada, China, India, Singapore or Egypt. - Limits: €30,000 per transaction, day and month - Perks: Variable 5% a year on USD balances; Subscription rebates - Pros: 0% FX on every currency; Self-custody with a personal IBAN; Free ATM allowance; Yield on USD balances - Cons: Good cashback needs staked COCA; Low monthly claim caps; Not in the US or Canada - Verdict: A strong self-custody travel card. Treat the higher cashback tiers as a token bet. - Sources: - SpendNode: COCA review: https://www.spendnode.io/crypto-cards/coca/ (Tiers, fees, issuer, countries, Sep 20, 2026) ## ether.fi Cash Card (Crypto Cards Guide score 7.8/10) URL: https://cryptocardsguide.xyz/cards/ether-fi/ Last checked: 2026-10-15 ether.fi Cash is a self-custody Visa card that pays 3% cashback on the free Core tier (on up to $2,000 of spend a month) and 4% on VIP. You can spend your balance or borrow against your crypto with no fixed repayment schedule. Physical cards cost $60 on Core, and FX runs about 1% plus up to 0.5% margin depending on tier. - Best for: Crypto holders who want strong cashback and would rather borrow against ETH or other assets than sell them. - Skip if: You don't want any borrowing or liquidation risk, or you need a card in a country outside its roughly 85 supported markets. - Network: Visa - Card issuer: Third National - Custody: Self-custody (you keep control of your assets) - Card type: Credit-style card, spend or borrow against your assets - Forms: Virtual and physical - Card cost: Core: 1 free virtual card, physical card $60 including shipping. Luxe and up: 1 free physical card. - Annual fee: Core free. Luxe $199 a year (or qualify by deposits, staking or points). Pinnacle $999 a year (or qualify). VIP by invitation. - FX: About 1% base FX rate plus margin: up to 0.5% on Core, up to 0.25% on Luxe, no added margin on Pinnacle and VIP - Conversion: No separate conversion fee listed - ATM: ATM withdrawals on all tiers. Free ATM withdrawals on Pinnacle and VIP (trackers list 10 a month). Limit $500 per withdrawal, 3 per rolling 24 hours. - Other fee: Borrowing has no fixed repayment schedule, but borrowed balances carry interest and liquidation risk if your collateral falls - Cashback: 3% to 4% back - Core: 3% on up to $2,000 of spend a month (max about $60) - Luxe: 3% on up to $10,000 a month, plus 10% back on subscriptions up to $10 a month - Pinnacle: 3% on up to $50,000 a month, plus 20% on subscriptions up to $20 a month - VIP: 4% on up to $50,000 a month, plus 30% on subscriptions up to $30 a month - 5% back on ether.fi travel bookings, all tiers - Top up: Fund from the assets you hold in your ether.fi account; Borrow against your portfolio instead of selling it. Fees: No top-up fee listed. Onchain network fees apply when you move assets in. - Withdraw: Move assets back out to any wallet, since you keep custody; ATM cash withdrawals. Fees: Network fees for onchain transfers. ATM free on Pinnacle and VIP. - Assets: ether.fi supports 250+ assets across 15+ networks on its platform. Check the app for which assets count toward card spending and borrowing. - Availability: Trackers list about 85 supported countries, including the UAE, Argentina, Australia and much of Europe. ether.fi says availability varies by region. Products may not be offered in all jurisdictions. Check the app before applying. - Limits: Daily spending: $30,000 Core, $50,000 Luxe, $100,000 Pinnacle; ATM: $500 per withdrawal, 3 withdrawals and $1,500 per rolling 24 hours - Perks: Airport lounge passes (2 on Luxe, unlimited on Pinnacle and VIP); Airport fast track at eligible airports (Luxe and up); Identity theft protection; Insurance-backed account protection up to $500,000 (announced, full terms not live yet); Visa concierge and Visa Signature benefits - Pros: 3% cashback on a free tier is rare; Self-custody, so your assets stay under your control; Borrow against crypto instead of selling and triggering a taxable sale in some countries; Low FX margin on higher tiers - Cons: Core cashback caps at $2,000 of spend a month; $60 for a physical card on Core; Borrowing means interest and liquidation risk if prices drop; Not available in every country - Verdict: One of the best cashback cards in crypto if you're comfortable with self-custody. Use the borrow feature carefully, and start on Core before paying for a higher tier. - Sources: - ether.fi Cash: https://www.ether.fi/cash (Card features, borrowing, perks, account protection) - ether.fi membership comparison: https://www.ether.fi/personal/compare (Tier prices, qualification and cashback caps) - DefiLlama card details: ether.fi: https://defillama.com/protocol/card-details/ether.fi (FX margins, ATM limits, daily limits, country count, verified Aug 30, 2026) ## Plasma One Visa Card (Crypto Cards Guide score 7.7/10) URL: https://cryptocardsguide.xyz/cards/plasma-one/ Last checked: 2026-10-15 Plasma One is a self-custody stablecoin account with a Visa card that works in 180+ countries. The free Lite tier pays 2% back in XPL with a 1% FX markup. Core (3%) and Platinum (4%) cut or remove that markup but need 20,000 or 100,000 XPL locked for 12 months. You can fund it with stablecoins or local bank transfers in USD, EUR, GBP, BRL, MXN and COP. It launched publicly in June 2026, so the track record is short. - Best for: Stablecoin users who want cashback plus cheap local bank on and off ramps in one app. - Skip if: You want a long track record, or you don't want to lock XPL to get the better tiers. - Network: Visa - Card issuer: Third National - Custody: Self-custody (Plasma says you own and custody your stablecoins) - Card type: Stablecoin-funded card (credit card in the US) - Forms: Virtual and physical - Card cost: Not publicly listed - Annual fee: No annual fee listed for US tiers. Not disclosed for global tiers. - FX: Plasma markup: 1% Lite, 0.5% Core, 0% Platinum. Visa's own network FX may still apply. - Conversion: Not listed - ATM: ATM withdrawals listed for US tiers. Fees not publicly disclosed. - Other fee: Returned payment: up to $29 - Other fee: Transfers on the Plasma network are free - Cashback: 2% to 4% in XPL, up to 10% on AI spend - Lite: 2% back, no requirement - Core: 3% back, 5% on eligible AI spend. Needs 20,000 XPL locked for 12 months. - Platinum: 4% back, 10% on eligible AI spend and flights. Needs 100,000 XPL locked for 12 months. - Paid in XPL, so the value moves with the token price - Top up: Deposit stablecoins from your own wallet; Virtual accounts for USD (ACH and wire), EUR (SEPA), GBP (Faster Payments), BRL (PIX), MXN (SPEI) and COP. Fees: Bank deposit fees by tier, for example ACH $1 Lite or $0.50 Core and Platinum, SEPA $0.30 to $0.50, wire $10 to $15. - Withdraw: Send stablecoins onchain, free on the Plasma network; Withdraw to a bank through ACH, wire, SEPA, Faster Payments, PIX, SPEI or COP rails. Fees: Bank withdrawals cost 0.10% to 1% plus the rail fee, lower on higher tiers. For example SEPA is 1% on Lite, 0.25% on Core and 0.10% on Platinum. - Assets: Stablecoins on the Plasma network. - Availability: Plasma says the card works in 180+ countries. Exact app eligibility by country isn't published in one list, and the US gets a credit card version. Check the app for your country before locking any XPL. - Limits: Spending limits are not publicly disclosed - Perks: Core and Platinum: airport lounge access, concierge, purchase and price protection, extended warranty; AI subscription credits and GigSky mobile data on Core and Platinum; Referral rewards that grow by tier - Pros: 2% back on a free tier; Cheap local bank deposits and withdrawals in six currencies; Self-custody stablecoin balance; Low or zero FX markup on higher tiers - Cons: Better tiers need a 12-month XPL lock; Rewards paid in XPL, which can drop in value; New product with a short track record; Limits and some fees aren't published - Verdict: One of the most interesting new cards, with real cashback on the free tier and cheap bank rails. Stay on Lite unless you'd hold XPL for a year anyway. - Sources: - Plasma One launch announcement (Business Wire via 01net): https://www.01net.it/plasma-one-launches-to-herald-a-new-era-of-stablecoin-banking/ (Launch, 180+ countries, cashback, bank rails, custody, June 19, 2026) - DefiLlama card details: Plasma One: https://defillama.com/protocol/card-details/plasma-one (Tiers, FX markups, ramp fees, perks, verified Sep 19, 2026) - Decrypt: Plasma to launch stablecoin-native neobank: https://decrypt.co/340659/plasma-to-launch-stablecoin-native-neobank-after-this-months-mainnet-beta (Background, Sep 22, 2025) ## KAST Card (Crypto Cards Guide score 7.6/10) URL: https://cryptocardsguide.xyz/cards/kast/ Last checked: 2026-10-17 KAST is a stablecoin spending account with a Visa card, US account numbers and EU IBANs. The Standard tier is free with 1.5% cashback on up to $2,000 of spend a month, and paid tiers cost $1,000 or $10,000 a year for 2% to 3% back. Non-USD spending costs 0.5% to 1.75% depending on your country, and 0% on purchases in 16 Latin American currencies until the end of 2027. ATM cash costs $3 plus 2%. - Best for: Freelancers and remote workers who get paid in dollars or stablecoins and want bank rails plus a card in one app. - Skip if: You want self-custody, or you withdraw cash often. - Network: Visa (Platinum on Standard, Infinite on paid tiers) - Card issuer: Third National - Custody: App account (KAST holds the balance, not a self-custody wallet) - Card type: Stablecoin-funded Visa - Forms: Virtual and physical - Card cost: First two virtual cards free, then $2 each (some regions charge $2 even for the included cards). Standard physical card: no card fee, $40 delivery. - Annual fee: Standard free. Premium $1,000 a year. Private $10,000 a year. - FX: 0.5% to 1.75% on non-USD purchases, depending on your country of residence. 0% on purchases in 16 Latin American currencies until 31 December 2027. - Conversion: 0% top-up and card spend fee on stablecoins - ATM: $3 plus 2% per withdrawal (plus the FX fee on non-USD cash). Up to $500 per withdrawal, 3 withdrawals or $1,500 per 24 hours. - Other fee: Non-USD purchases under $25: $0.10 - Other fee: Declined for insufficient balance: $0.50 - Other fee: KAST to KAST transfers are free - Cashback: 1.5% to 3% back in USD - Standard: 1.5% on eligible spend, up to $2,000 a month - Premium: 2% plus 1% in KAST Points - Private: 3% plus 2% in KAST Points - Rewards exclude some merchant categories (MCC restrictions) - Reserve account rewards of 8% to 12% depending on tier, offer ends 1 July 2027. KAST calls these rewards, not interest. - Top up: Stablecoins: USDT, USDC, PYUSD and RLUSD across 10+ chains; 25+ other coins including BTC, ETH and PENGU; US account details for ACH and wire; EU IBAN for SEPA transfers. Fees: No top-up fee listed for stablecoin deposits. Network fees apply onchain. Supported networks per coin are shown in the app. - Withdraw: Transfer to an external bank account; Send dollars, local currency or crypto to people in supported payout countries; Send crypto onchain; ATM cash withdrawals. Fees: KAST shows the exact cost and arrival time of a bank transfer before you confirm. KAST to KAST is free. - Assets: USDT, USDC, PYUSD, RLUSD plus 25+ coins such as BTC, ETH, ARB, AAVE and ENA. Chains include Ethereum, Arbitrum, Base, Optimism, Polygon, BNB Chain, Avalanche and Bitcoin. - Availability: KAST says the card works in 170+ countries and at 150M+ merchants. Account availability depends on where you live and on regulatory approval. KAST doesn't publish a country exclusion list. Check in the app during sign-up. - Limits: No daily or monthly card spending cap. You can spend up to your balance.; You can set your own lower limits for card, bank and onchain transactions; ATM: $500 per withdrawal, 3 withdrawals or $1,500 per 24 hours - Perks: Visa concierge on all tiers; Reserve account rewards on balances (8% to 12% by tier until 1 July 2027); Referral bonuses: $30 at $500 spent, $50 at $1,000, $150 at $5,000; Partner cards such as the Pengu Card - Pros: US account numbers and an EU IBAN in the same app as your card; Free tier with 1.5% cashback; No monthly spending cap; Wide coin and chain support for deposits - Cons: 0.5% to 1.75% FX on non-USD spending outside Latin America; ATM fees of $3 plus 2%; Free tier cashback stops counting after $2,000 a month; Paid tiers cost $1,000 or $10,000 a year; Not self-custody - Verdict: Great as a stablecoin bank account with a card, especially if you earn in USD. Mid-priced for spending abroad, and a standout in Latin America while the 0% FX offer runs. - Sources: - KAST homepage: https://www.kast.xyz/ (Tiers, rewards, Reserve, bank accounts, top-up coins) - KAST cards: https://www.kast.xyz/en/cards (Tier pricing, ATM limits, spending limits) - KAST membership: https://www.kast.xyz/en/membership (Tier details) - KAST Reserve terms: https://www.kast.xyz/en/legal/kast-usd-reserve-account (Reserve rewards) - KAST Help Center: fees and conditions: https://concierge.kast.xyz/hc/en-us/articles/9850062738703-What-Are-the-Fees-and-Conditions-for-KAST-Cards-and-Accounts (FX, ATM, card and transfer fees, updated Oct 12, 2026) - KAST: 0% FX fees across LATAM: https://www.kast.xyz/en/blog/promotions/spend-across-latam-with-kast-and-pay-0-fx-fees (16 currencies, through Dec 31, 2027) ## Ethena Pay Card (Crypto Cards Guide score 7.5/10) URL: https://cryptocardsguide.xyz/cards/ethena-pay/ Last checked: 2026-10-15 Ethena Pay is a self-custody stablecoin app on Avalanche with a Visa card, launched in September 2026 in about 48 countries outside the US and EU. Balances are held in USDe and earn 5% to 6% a year. The card pays 4% back in AVAX on your first $2,500 a month on the free tier, and 4.5% to 5% on Pro and VIP, which need locked ENA or referrals. Ethena adds no FX markup (about 1% network FX is passed through), and ATM use costs $1 plus 0.65%. - Best for: Stablecoin users outside the US and EU who want high cashback and yield in one app. - Skip if: You're in the US or EU, or you're uneasy about a brand-new product paying unusually high rewards. - Network: Visa - Card issuer: Third National (per trackers). Ethena doesn't name it. - Custody: Self-custody (Ethena says it never holds customer funds) - Card type: Spend card - Forms: Virtual - Card cost: Virtual card free. No replacement fee. - Annual fee: None - FX: No Ethena markup. About 1% network FX is passed through at cost. - Conversion: None for USDe balances - ATM: $1 plus 0.65% per withdrawal - Other fee: Bank transfers in USD, EUR and GBP are free. Other currencies cost 0.05% to 0.1%. - Other fee: Late payment up to $40, returned payment up to $29 (trackers) - Cashback: 4% to 5% in AVAX on capped spend - Standard (free): 4% on the first $2,500 a month, 1% on the next $1,500, then 0% - Pro: 4.5% on the first $8,000 a month, then stepping down. Unlock by locking $2,000 of ENA or referring 10 users. - VIP: 5% on the first $20,000 a month, then stepping down. Unlock by locking $10,000 of ENA or referring 50 users. - Pro and VIP can earn 5% to 10% at selected partner brands - Paid in AVAX, so the value moves with AVAX's price - Top up: Deposit stablecoins, held as USDe on Avalanche; Bank transfers in USD, EUR, GBP and other currencies. Fees: Stablecoin funding is free. USD, EUR and GBP bank transfers are free, others 0.05% to 0.1%. - Withdraw: Send funds onchain from your self-custody wallet; Bank withdrawals (Ethena lists a nominal cost); Free instant transfers to other Ethena Pay users; ATM withdrawals. Fees: ATM $1 plus 0.65%. Bank withdrawals carry a small fee. - Assets: USDe on Avalanche. - Availability: About 48 countries at launch, including Brazil, Mexico, South Africa, Kenya, the Philippines, Singapore, Japan, the UAE and Australia. Not yet available in the US or EU. The card is only for non-US persons. - Limits: Spending limits are not published yet; Yield applies to balances up to $5,000 (Standard), $15,000 (Pro) or $50,000 (VIP) - Perks: 5% to 6% yearly rewards on USDe balances; Partner cashback of 5% to 10% on Pro and VIP, at brands such as Uber, Spotify and Claude; IBAN and bank transfers - Pros: 4% cashback on a free tier; Yield on balances with no lockup; No Ethena FX markup and free major-currency bank transfers; Self-custody - Cons: Launched September 2026, so no track record; Rewards paid in AVAX; Ethena hasn't said where the extra rewards come from; Not available in the US or EU yet; Virtual card only - Verdict: The strongest free-tier rewards we track right now, from a product that's only weeks old. Try it with a small balance before you trust it with more. - Sources: - Ethena Pay: Introducing Ethena Pay: https://pay.ethena.fi/blog/introducing-ethena-pay (Launch, FX, custody, countries, Sep 3, 2026) - CoinMarketCap Academy: Ethena Pay goes live in 48 countries: https://coinmarketcap.com/academy/article/ethena-pay-goes-live-in-48-countries-with-6percent-yield-and-avax-cashback (Tiers, yield, cashback, bank fees) - DefiLlama card details: Ethena Pay: https://defillama.com/protocol/card-details/ethena (Cashback caps, ATM, issuer, verified Sep 29, 2026) ## Krak Card by Kraken (Crypto Cards Guide score 7.4/10) URL: https://cryptocardsguide.xyz/cards/kraken/ Last checked: 2026-10-17 The Krak Card is Kraken's debit card: a Mastercard in the UK and EEA, and a Visa in the US (all states except New York, Maine, Massachusetts and Indiana). There's no annual or transaction fee and Kraken charges nothing for ATM withdrawals. In the UK and EEA there's no FX markup; US cards add 1% on foreign currency. Cashback runs from 0% to 2% based on your average balance across Krak and Kraken, with no monthly cap. Spending crypto rather than cash adds a variable conversion spread. - Best for: Kraken users in the UK, Europe or the US who keep a decent balance there. - Skip if: You live outside the UK, EEA and US, or you want cashback without holding a large balance. - Network: Mastercard (UK and EEA), Visa (US) - Card issuer: Monavate (UK and EEA). Lead Bank in the US, with Stripe as program manager. - Custody: Custodial. Crypto stays on Kraken, fiat is safeguarded e-money. - Card type: Debit - Forms: Virtual (instant) and physical, plus a metal card for top-tier users - Card cost: Free, including the metal card. Metal replacement £/€60. - Annual fee: None - FX: UK and EEA: 0%, Mastercard's rate is passed through. US: 1% on foreign-currency purchases plus Visa's rate. - Conversion: Variable spread when Krak converts crypto or a non-primary currency. Spending GBP or EUR is free. - ATM: 0% from Kraken. The ATM operator may charge. - Cashback: 0% to 2% in BTC, EUR or GBP - Based on your 30-day average balance: €200 for 0.5%, €1,000 for 1%, €10,000 for 1.5%, €50,000 for 2% - New customers get 2% for their first 30 days - US cardholders choose USD or BTC for cashback - No monthly cap. Minimum purchase £/€0.49. - ATM withdrawals, refunds and transfers don't earn cashback - Top up: Hold GBP, EUR or any of Kraken's spendable crypto; Bank transfers and salary into Krak; Crypto deposits to Kraken. Fees: No top-up fee. Spending from your main GBP or EUR balance is the only fully free path. - Withdraw: Bank withdrawals; Crypto withdrawals to any wallet; ATM cash withdrawals. Fees: Kraken's normal withdrawal fees apply. ATM free from Kraken. - Assets: GBP, EUR and many of Kraken's 600+ assets. - Availability: The UK, about 30 EEA countries and the US (except New York, Maine, Massachusetts and Indiana). New York, Maine, Massachusetts and Indiana in the US. Countries outside the UK, EEA and US. - Limits: Not published - Perks: Krak Vaults with yield (UK only); Salary Match of up to 1% by tier, where available; Metal card holders get Krak Concierge travel bookings with boosted cashback - Pros: No annual, transaction or Kraken ATM fees, and no FX markup in the UK and EEA; Cashback in BTC or cash, with no monthly cap; Big, regulated exchange with proof of reserves; Spend crypto or fiat from one app - Cons: Good cashback needs a large average balance; Conversion spread on crypto isn't published; 1% FX fee on the US card; Custodial - Verdict: One of the best travel cards in Europe from a major exchange, and a solid everyday card in the US. Cashback is a bonus for people who already hold a lot on Kraken. - Sources: - Krak pricing (US, EEA and UK): https://krak.app/pricing (Card, ATM and FX fees by region, checked Oct 17, 2026) - Krak: Getting started with the US Krak Card: https://support.krak.app/articles/getting-started-with-us-krak-card (Issuer, excluded states) - Krak: US card cashback overview: https://support.krak.app/articles/us-krak-card-cashback-overview (Tiers up to 2%, USD or BTC) - SpendNode: Kraken (Krak) card review: https://www.spendnode.io/crypto-cards/kraken/ (Issuer, fees, cashback tiers, countries, verified Oct 14, 2026) - The Paypers: Kraken launches Mastercard debit card in the UK and EEA: https://thepaypers.com/crypto-web3-and-cbdc/news/kraken-launches-mastercard-debit-card-in-the-uk-and-eea (Launch) - Payward: Kraken expands Krak: https://www.payward.com/press-release/kraken-expands-krak-offering (Official announcement) ## MetaMask Card (Crypto Cards Guide score 7.4/10) URL: https://cryptocardsguide.xyz/cards/metamask/ Last checked: 2026-10-15 The MetaMask Card is a self-custody Mastercard that spends straight from your MetaMask wallet on Linea, Base, Solana or Monad. The virtual card is free and pays about 1% back. Paying in stablecoins that match your local currency has no fee, but cross-border purchases cost 1% and ATM withdrawals cost 2%. The $199 Metal tier removes cross-border fees, but new Metal orders have been paused since June 2026. - Best for: People who already live in MetaMask and want to spend stablecoins without moving them to an exchange. - Skip if: You want high cashback, or you need a physical card right now. - Network: Mastercard - Card issuer: Not disclosed by MetaMask - Custody: Self-custody (funds stay in your wallet until you spend) - Card type: Debit - Forms: Virtual (free). Metal physical card on the paid tier. - Card cost: Virtual card free. Metal is a $199 annual membership. Metal replacement $99. - Annual fee: Free tier $0. Metal $199 a year. - FX: Free tier: 1% cross-border fee. Metal: no cross-border fee (fair usage applies). - Conversion: Stablecoins in your local currency: no fee. Stablecoins in a third currency: 0.5%. DeFi or yield tokens: free up to $1,200 a month, then 0.5%. Other crypto such as wETH: 0.875%. - ATM: Free tier: 2%. Metal: free up to $1,200 a month, then 2%. ATM operators may add their own fee. - Other fee: Network gas per transaction, typically around $0.01 - Other fee: No fee to delegate funds for spending, no minimum balance - Cashback: About 1% back, up to 3% on Metal - Trackers list 1% cashback on the free virtual card - Metal: 3% in mUSD on the first $10,000 spent each year, then 1% - Hotel bookings through MetaMask Card Travel: 5% total on the free tier, 7% on Metal - Top up: No top-up step. Hold USDC, USDT, EURe or GBPe in your MetaMask wallet on a supported chain and approve the card to spend it; Get stablecoins into your wallet with any onramp, exchange withdrawal or bridge. Fees: No fee to fund. You pay the onramp or exchange's own fees and small network gas. - Withdraw: Nothing to withdraw: funds never leave your wallet until you pay; Move funds anywhere from MetaMask at any time; ATM cash withdrawals. Fees: ATM 2% on the free tier. Network fees for onchain moves. - Assets: USDC, USDT, EURe and GBPe on Linea, Base, Solana and Monad. Other tokens can be spent with a conversion fee. - Availability: Trackers list about 45 supported countries, including the US, much of the EEA, Switzerland, Canada, Argentina and Brazil. Metal was US-only (not Vermont) before orders paused. Check the MetaMask app for your country. The list changes as the card rolls out. - Limits: Free: $10,000 per transaction, $15,000 per day; Metal: $20,000 per transaction, $30,000 per day; ATM: $1,000 per day on free, $5,000 per day on Metal - Perks: Metal: no foreign transaction fees, higher limits, larger travel discounts; Dining rewards through Blackbird ($FLY) on Metal - Pros: True self-custody, spend straight from your wallet; No fee when spending stablecoins in your own currency; Free virtual card with Apple Pay and Google Pay; Works in the US, which many crypto cards don't - Cons: Only about 1% back on the free card; 1% cross-border fee on the free tier; Metal card orders paused since June 2026; Spending non-stablecoin tokens costs 0.875% - Verdict: The cleanest way to spend stablecoins without giving them to anyone first. Rewards are thin, so pick it for control and simplicity rather than cashback. - Sources: - MetaMask Card limits and fees: https://support.metamask.io/trade/metamask-card/limits-and-fees/ (Fee and limit table) - MetaMask Metal card: https://support.metamask.io/es/trade/metamask-card/metal-card/ (Metal price, rewards, order pause from June 2, 2026) - DefiLlama card details: MetaMask Card: https://defillama.com/protocol/card-details/metamask-card (Chains, coins, country count, verified Sep 28, 2026) ## Wirex One Card (Crypto Cards Guide score 7.3/10) URL: https://cryptocardsguide.xyz/cards/wirex/ Last checked: 2026-10-16 Wirex One is a Visa card with no subscription or annual fee and no Wirex FX markup. Crypto sits in a self-custody smart wallet, while cash is held by regulated e-money partners. Cashback is paid in USD: 0.5% on the free tier (capped at $25 a month), rising to 1%, 3%, 5% and 8% with larger portfolios and WPAY holdings. You can top up by SEPA, ACH, Faster Payments, card or stablecoins. - Best for: Europeans and Australians who want bank rails and a self-custody wallet in one app. - Skip if: You live in the US or Canada, or you don't want to hold WPAY for better rewards. - Network: Visa (metal cards are Visa Signature) - Card issuer: Transact Payments Malta (EEA), Wirex Limited (UK and rest of world), Novatti (Australia and New Zealand) - Custody: Hybrid. Crypto in a self-custody smart wallet, fiat with e-money partners. - Card type: Debit - Forms: Virtual (Base), plastic (Premium, Elite), metal (Private, Bespoke) - Card cost: Not published. A $50 deposit is needed to activate the card. - Annual fee: None. Tiers depend on WPAY holdings, not payments. - FX: 0% Wirex markup. The card scheme's rate applies. - Conversion: Crypto-to-fiat spread applies - ATM: Free up to 200 GBP, EUR or SGD (400 AUD) a month on the base tier, then 2%. Higher tiers raise the allowance, and Bespoke is unlimited. - Cashback: 0.5% to 8% in USD - Base 0.5% (cap $25 a month). Premium 1% ($100). Elite 3% ($300). Private 5% ($1,000). Bespoke 8% ($2,000). - Higher tiers need a bigger portfolio and a share of it in WPAY - 50% subscription rebates from Premium up - Top up: SEPA (EUR), ACH (USD) and Faster Payments (GBP); Debit card or salary; Onchain stablecoin deposits at 1:1 with no fee. Fees: Stablecoin deposits free. Check the app for other methods. - Withdraw: Bank transfers; Crypto withdrawals from your smart wallet; ATM cash withdrawals. Fees: ATM free up to about 200 a month on the base tier, then 2%. - Assets: Stablecoins, crypto and fiat in EUR, GBP and USD. - Availability: About 35 countries as of October 2026, across Europe, the UK and Australia and New Zealand. Not available in the US or Canada. - Limits: Not published - Perks: Stablecoin earn rates up to 9.75% on top tiers; Fee-free trading allowances by tier - Pros: No subscription or annual fee; No Wirex FX markup; Self-custody wallet plus bank rails; Cashback in USD, not a token - Cons: Good rates need WPAY holdings; Base cashback capped at $25 a month; Not in the US or Canada - Verdict: One of the most complete crypto money apps in Europe. The big rewards depend on how much WPAY you're willing to hold. - Sources: - SpendNode: Wirex One review: https://www.spendnode.io/crypto-cards/wirex/ (Tiers, fees, custody, issuers, countries, Sep 21, 2026) - Eco: Best crypto debit cards in 2026: https://eco.com/support/en/articles/15039724-best-crypto-debit-cards-in-2026-ranked-by-fees-and-rewards (Cross-check, Oct 6, 2026) ## Tria Card (Crypto Cards Guide score 7.1/10) URL: https://cryptocardsguide.xyz/cards/tria/ Last checked: 2026-10-17 Tria is a self-custody Visa card sold as a yearly membership: Lite ($20, virtual), Pro (about $90 to $109, plastic) and Max ($250, metal). Cashback runs from 1.5% to 6% on your first $1,000 or $2,000 of monthly spend, then drops to 0.5% to 1%. Every payment costs 0.5%, non-USD spending adds 1%, and it works in about 97 countries including the US. - Best for: Spenders who'll use the full monthly cashback allowance and want self-custody across many chains. - Skip if: You spend little each month, or you dislike per-payment fees. - Network: Visa - Card issuer: Not named by Tria - Custody: Self-custody (smart account wallet) - Card type: Debit - Forms: Virtual (Lite), plastic (Pro), metal (Max) - Card cost: Included in the yearly membership. Pro and Max holders also get a free Lite card while the physical card ships. - Annual fee: Lite $20 a year. Pro $109 a year per SpendNode ($90 on cryptocards.so). Max $250 a year. - FX: 1% on non-USD spending - Conversion: 0.5% fee on every card payment. Deposits are free. - ATM: Lite: virtual only. Pro: 2%. Max: free up to $750 a day. - Cashback: 1.5% to 6% on early monthly spend - Lite: 1.5% on your first $1,000 a month, then 0.5% - Pro: 4.5% on your first $1,000 a month, then 1% - Max: 6% on your first $2,000 a month, then 1% - Past seasons paid cashback in USDT. Check the app for the current payout asset. - Top up: Deposit crypto to your Tria smart account on Optimism, Arbitrum or Solana; 1,000+ supported assets, converted when you pay; Pay for membership with crypto or a bank card. Fees: Deposits are free. A 0.5% fee applies per card payment. - Withdraw: Move funds from your self-custody account to any wallet; ATM cash withdrawals on Pro and Max. Fees: Network fees for onchain transfers. ATM 2% on Pro, free on Max up to $750 a day. - Assets: 1,000+ assets with smart accounts on Optimism, Arbitrum and Solana. - Availability: About 97 countries as of October 2026, including the US. Other trackers list 150+ countries. China, India and Turkey are listed as not supported. The app tells you during sign-up. - Limits: High card limits, listed at up to $1,000,000 a day; Max ATM: up to $750 a day free - Perks: All tiers: price protection, purchase protection, rental car damage cover; Pro and Max: baggage delay and loss cover, Visa Luxury Hotel Collection, Visa Airport Companion, concierge; Variable yield on idle balances, advertised up to 15% - Pros: Up to 6% cashback on Max; Self-custody with very wide asset support; Works in the US and many other countries; Strong Visa protections on all tiers - Cons: 0.5% fee on every payment, plus 1% on non-USD spending; High rates only apply to your first $1,000 or $2,000 a month; Paid memberships from $20 to $250 a year; Reviewers report conflicting prices and caps, so check the app; Hit by the August 2026 Rain contract exploit (users were repaid) - Verdict: Worth it if you'll spend close to the monthly cap and like self-custody. For light spenders, the membership and per-payment fees eat most of the rewards. - Sources: - Whale Alert: outdated Rain Solana card contract exploit: https://whale-alert.io/stories/cee2016a985ed6/Outdated-Rain-Solana-card-contract-exploit-drains-11M-in-USDC-and-USDT-from-user-collateral-accounts (Exploit details, Aug 2026) - SpendNode: Tria card review: https://www.spendnode.io/crypto-cards/tria/ (Tiers, cashback caps, fees, countries, perks, updated Oct 7, 2026) - Tria Help: How to get a Tria card: https://intercom.help/tria/en/articles/14056678-how-to-get-a-tria-card (Lite, Pro and Max cards, application steps) - cryptocards.so: Tria: https://www.cryptocards.so/en/company/tria (Alternative tier pricing) ## Bitget Wallet Card (Crypto Cards Guide score 6.9/10) URL: https://cryptocardsguide.xyz/cards/bitget-wallet/ Last checked: 2026-10-15 The Bitget Wallet Card is a stablecoin card you fund from the Bitget Wallet app. It pays 2% back by default and 3% for new users or when you hit a monthly spend target, and you choose whether rewards land as BTC, tokenized gold, tokenized stocks or USDC. There's no annual fee, no FX fee on USD purchases and 1.7% on other currencies. It's offered in the UK, EEA and selected markets in Latin America, Asia-Pacific, South Asia and Africa. - Best for: Mobile-first spenders who want solid cashback and like the idea of earning BTC or stocks instead of cash. - Skip if: You spend mostly in non-USD currencies and want the lowest FX, or you need a card in the US. - Network: Visa or Mastercard, depending on your region - Card issuer: Not disclosed - Custody: Top-up model (you move stablecoins from your wallet to the card balance) - Card type: Debit - Forms: Virtual and physical - Card cost: Not publicly listed. Check the app for your region. - Annual fee: None - FX: 0% on USD purchases. 1.7% on other currencies. - Conversion: Trackers list about 0.05% for crypto to fiat - ATM: 1% or $5 per withdrawal, whichever is higher - Other fee: No top-up fee listed - Cashback: 2% base, 3% boosted - Everyone earns 2% by default - 3% for new users, and for the month you hit a spending threshold plus the month after - Choose your reward asset: Bitcoin, tokenized gold, Nvidia, Tesla, Google, S&P 500 (via xStocks) or USDC - You can switch your reward asset once a month - Monthly caps and merchant category exclusions apply - Rewards can be redeemed 7 days after the purchase - Top up: Stablecoins from your Bitget Wallet; Buy stablecoins inside Bitget Wallet using its onramp partners. Fees: No top-up fee listed. Network fees may apply when moving funds onchain. - Withdraw: Move funds back to your Bitget Wallet; ATM cash withdrawals. Fees: ATM 1% or $5, whichever is higher. - Assets: Stablecoins such as USDT and USDC from Bitget Wallet. Check the app for supported networks. - Availability: UK and EEA, plus selected markets in Latin America, Asia-Pacific, South Asia, South Africa and China, according to a September 2026 report. Some trackers still show an older, Asia-only list. Not offered in the US. Region lists change often, so check the app first. - Limits: Daily spending up to $50,000 - Perks: Assetback: take rewards in BTC, tokenized gold, stocks or USDC; Ride and travel cashback campaigns in some regions - Pros: 2% base cashback with no annual fee; Pick your reward asset, including BTC and tokenized stocks; 0% FX on USD purchases; Apple Pay and Google Pay - Cons: 1.7% FX on non-USD currencies; Minimum $5 ATM fee hurts small withdrawals; Monthly reward caps apply; Card balance is separate from your self-custody wallet - Verdict: A strong all-rounder for USD spending with flexible rewards. In non-USD countries, do the FX maths before you get excited about the cashback. - Sources: - FinTech Global: Bitget Wallet shifts card cashback towards digital assets: https://fintech.global/?p=255262 (Assetback, cashback rates, regions, Sep 7, 2026) - DefiLlama card details: Bitget Wallet Card: https://defillama.com/protocol/card-details/bitget-wallet-card (FX, ATM and annual fees, limits, verified Aug 30, 2026) - Bitget Wallet: https://web3.bitget.com/ (Wallet app and help center) ## Rebind Visa Card (Crypto Cards Guide score 6.8/10) URL: https://cryptocardsguide.xyz/cards/rebind/ Last checked: 2026-10-17 Rebind is a Paris-built euro account that holds your money as EURe, a regulated euro stablecoin, and pays up to 5% on it. Its free virtual Visa card runs on Gnosis Pay's rails, adds no FX fee, and lets your euros keep earning until you pay. You also get a euro IBAN with free instant transfers. It's the main partner app Gnosis Pay is moving its cardholders to as its own cards wind down in 2026. - Best for: Europeans and Gnosis Pay users who want a free euro card with yield on the balance. - Skip if: You need a physical card or ATM cash today. - Network: Visa - Card issuer: Gnosis Pay program (issued by Monavate) - Custody: Self-custody. Your euros sit in your own account as EURe until you pay. - Card type: Debit (EURe) - Forms: Virtual (physical card planned) - Card cost: Free virtual card - Annual fee: None. Free to open. - FX: No Rebind or Gnosis FX fee. Visa's exchange rate applies. - Conversion: None when you spend euros. Moving EURe from your Rebind account to the card wallet is free. - ATM: Not available on the virtual card yet - Other fee: Instant euro transfers by IBAN are free - Cashback: No published cashback - Rebind pays yield on your euro balance instead: up to 5%, paid every second, with no lock-up - Referral rewards boost your savings rate - Top up: Euro bank transfer to your own IBAN; EURe on Gnosis Chain; Move an existing Gnosis Pay card into Rebind. Fees: Free IBAN transfers. Network fees on Gnosis Chain are tiny. - Withdraw: Instant euro transfers by IBAN; Send EURe on Gnosis Chain. Fees: Free IBAN transfers. - Assets: EUR as EURe. 500+ crypto and stock assets can be bought in the app. - Availability: Rebind says the app works in 40+ countries. Card issuance follows Gnosis Pay's European program, so check the app for your country. The US and countries where Gnosis Pay cards aren't issued. - Limits: Up to 5,000 EURe per purchase and 8,000 EURe per 24 hours (Gnosis Pay program limits) - Perks: Up to 5% yield on euros, paid every second; Euro IBAN with free instant transfers - Pros: Free card with no FX fee; Your euros earn yield until you spend them; Self-custody - Cons: Virtual only for now; No cashback; Depends on the Gnosis Pay program, which is changing in 2026 - Verdict: A smart free euro card if you want your spending money to earn while it waits. Best paired with a physical card for cash. - Sources: - Rebind: https://rebind.co/ (Card, IBAN, yield and FX claims, checked Oct 17, 2026) - Rebind Help: request and activate your card: https://support.rebind.co/en/articles/12530427-how-do-i-request-and-activate-my-debit-card-in-rebind (Free virtual card powered by Gnosis Pay) - Rebind is now open to everyone: https://rebind.co/blog/rebind-open-to-everyone (Launch) - cryptocard.guide: Rebind Card: https://cryptocard.guide/cards/rebind-card (Program limits and issuer, checked Sep 5, 2026) ## Gemini Credit Card (Crypto Cards Guide score 6.7/10) URL: https://cryptocardsguide.xyz/cards/gemini/ Last checked: 2026-10-16 The Gemini Credit Card is a US metal Mastercard credit card with no annual fee and no foreign transaction fee. It pays 4% back on gas, EV charging, transit and rideshares (on up to $300 a month, then 1%), 3% on dining, 2% on groceries and 1% on everything else, in bitcoin or 50+ other cryptos. It's a regular credit card, so carrying a balance costs 18.49% to 34.49% APR. - Best for: US residents who pay their card off every month and want crypto rewards without spending crypto. - Skip if: You live outside the US or tend to carry a credit card balance. - Network: Mastercard - Card issuer: WebBank - Custody: Rewards are paid into your Gemini account (custodial) - Card type: Credit card - Forms: Physical metal card (silver, black or rose gold), plus mobile wallets - Card cost: Free - Annual fee: None - FX: No foreign transaction fee - Conversion: None. You spend dollars on credit, and rewards are bought in crypto for you. - ATM: Cash advances follow the credit card terms, with a 29.49% variable cash advance APR - Other fee: Purchase APR 18.49% to 34.49% variable if you carry a balance - Cashback: 1% to 4% back in crypto - 4% on gas, EV charging, transit, taxis and rideshares, on up to $300 a month, then 1% - 3% on dining, 2% on groceries, 1% on everything else - Choose bitcoin, ether or 50+ other cryptos for your rewards, and switch any time - Rewards land in your Gemini account - Top up: Nothing to top up. It's a credit card, so you pay a monthly bill from your bank account.. Fees: No fee to pay your bill. Interest applies if you don't pay in full. - Withdraw: Sell or withdraw your crypto rewards from your Gemini account. Fees: Gemini's normal trading and withdrawal fees apply to your rewards. - Assets: Rewards in BTC, ETH and 50+ cryptos on Gemini. You spend US dollars. - Availability: United States only. Not available outside the US. Approval depends on your credit. - Limits: Credit limit set at approval - Perks: Metal card in three colours; Mastercard benefits - Pros: No annual fee and no foreign transaction fee; Up to 4% back in your choice of 50+ cryptos; You don't spend your crypto, so no taxable disposals at checkout; Metal card - Cons: US only, and you need good credit; 4% category is capped at $300 a month of spend; High APR if you carry a balance; Rewards sit on an exchange - Verdict: A simple, low-cost way for US residents to earn crypto on everyday spending, as long as you pay the balance in full. - Sources: - NerdWallet: Gemini Credit Card review: https://www.nerdwallet.com/credit-cards/reviews/gemini-credit-card (Issuer, rewards, fees, APR, Mar 2025) - Gemini: Credit card rewards in more assets: https://www.gemini.com/blog/gemini-credit-card-users-can-now-earn-rewards-in-hype-bnb-trx-and-more (Reward asset options, Jun 2025) - CoinGecko: Best crypto cards: https://www.coingecko.com/en/cards (2026 listing, US, $0 annual fee, up to 4%) ## Slash Platinum Card (Crypto Cards Guide score 6.7/10) URL: https://cryptocardsguide.xyz/cards/slash/ Last checked: 2026-10-16 Slash is a US business banking platform with a Visa card that pays up to 2% unlimited cashback. Businesses can hold and convert USDC and USDT for under 1%, issue unlimited virtual and physical cards, and on the Pro plan send ACH and wires for free. Slash raised a $100M Series C at a $1.4B valuation. - Best for: US businesses that hold stablecoins and want card cashback. - Skip if: You're an individual or outside the US. - Network: Visa - Card issuer: Not stated - Custody: Custodial (business account) - Card type: Business card - Forms: Unlimited virtual and physical cards - Card cost: Free - Annual fee: Free - FX: Not published - Conversion: Under 1% for stablecoin conversion - ATM: Not published - Other fee: ACH and wires free on Pro - Cashback: Up to 2%, unlimited - Unlimited cashback up to 2% - Top up: Business bank deposits by ACH and wire; USDC and USDT. Fees: Free ACH and wires on Pro. Stablecoin conversion under 1%. - Withdraw: ACH and wires. Fees: Free on Pro. - Assets: USD, USDC and USDT. - Availability: US businesses. For businesses, not individuals. - Limits: Not published - Perks: Unlimited employee cards - Pros: Up to 2% unlimited cashback; Stablecoin support in a business account; Free ACH and wires on Pro - Cons: Business only; FX and ATM terms not published - Verdict: One of the best options for US businesses that work with stablecoins. - Sources: - cryptocards.so: Slash: https://www.cryptocards.so/en/company/slash (Card, cashback, stablecoin conversion) - Slash: $100M Series C: https://www.slash.com/partners/nea (Funding) ## Uphold Debit Card (Crypto Cards Guide score 6.6/10) URL: https://cryptocardsguide.xyz/cards/uphold/ Last checked: 2026-10-16 Uphold's US Visa debit cards pay rewards in XRP. Essential is free (plastic card $4.99) with 2% back, capped at $120 a month. Elite costs $99.99 a year for a metal card with 4% back on crypto or metals-funded purchases and 3% on cash or stablecoins, capped at $300 a month, plus no FX or Uphold ATM fees. In the UK, a free Mastercard pays 1% back on GBP spending. - Best for: US residents who like XRP and spend enough to use the monthly reward caps. - Skip if: You live in New York or Louisiana, or you don't want rewards in XRP. - Network: Visa (US). Mastercard (UK). - Card issuer: Cross River Bank (US) - Custody: Custodial. USD balances are FDIC-insured up to $250,000 at Cross River Bank. Crypto isn't insured. - Card type: Debit - Forms: Plastic (Essential) or metal (Elite) - Card cost: Essential plastic card $4.99. Elite metal card free (one free replacement a year, then $29.99). - Annual fee: Essential free. Elite $99.99 a year. - FX: Elite 0%. Essential 1.5% (one Uphold table shows a $1.50 flat fee). - Conversion: Spending crypto carries a spread of roughly 0.5% to 3% depending on the asset - ATM: Elite $0 from Uphold. Essential $2.95. - Cashback: 2% to 4% in XRP (US) - Essential: 2% on eligible purchases, capped at $120 a month - Elite: 4% on crypto or metals-funded purchases, 3% on fiat or stablecoin-funded, capped at $300 a month - Paid in XRP within 10 business days of month end - UK card: 1% back in GBP on GBP-funded purchases - Top up: Spend USD, stablecoins, crypto or metals held on Uphold; Bank transfers into Uphold. Fees: No top-up step. Spending non-cash assets includes a spread. - Withdraw: Bank withdrawals; Crypto withdrawals; ATM cash withdrawals. Fees: ATM free on Elite, $2.95 on Essential. - Assets: USD, stablecoins, crypto and precious metals on Uphold. - Availability: US cards: all states except Louisiana and New York, not territories. A separate UK card is available in the UK. Not available in Louisiana, New York or US territories. - Limits: Essential: $2,500 a day, $10,000 a month; Elite: $25,000 a day, $100,000 a month - Perks: Elite: metal card, no FX fee, free Uphold ATM use - Pros: Up to 4% back in XRP; FDIC-insured USD balances; Spend crypto, metals or cash; Elite has no FX or Uphold ATM fees - Cons: Rewards only in XRP; Monthly reward caps; Elite costs $99.99 a year; Not in New York or Louisiana - Verdict: A strong US rewards card if you're happy to collect XRP. Pick Elite only if you'll spend enough to cover the fee. - Sources: - SpendNode: Uphold card review: https://www.spendnode.io/crypto-cards/uphold/ (US tiers, fees, caps, UK card, Oct 8, 2026) - The Block: Uphold relaunches XRP rewards debit card in US: https://www.theblock.co/post/376864/uphold-relaunches-xrp-rewards-debit-card-in-us (Relaunch) ## Avici Card (Crypto Cards Guide score 6.5/10) URL: https://cryptocardsguide.xyz/cards/avici/ Last checked: 2026-10-17 Avici is a self-custody secured Visa credit card. You lock USDC in an onchain escrow you control and spend the same amount in USD. Avici adds no FX markup and no transaction fees, though Visa may charge 0.4% to 1% on non-USD purchases. The Platinum tier has no annual fee ($10 to $15 per virtual card, $50 physical). Signature costs $30 the first year, then $20, and adds travel perks and free ATM use. There's no ongoing cashback. - Best for: People who want the lowest-cost self-custody card for everyday and travel spending. - Skip if: You want cashback, or you live in the UK, most of Europe, Canada or India. - Network: Visa - Card issuer: Third National - Custody: Self-custody (USDC escrow that only your wallet can withdraw from) - Card type: Secured credit card - Forms: Virtual and physical - Card cost: Platinum: $10 to $15 per virtual card, $50 physical. Signature: $30 virtual or $75 physical in year one. - Annual fee: Platinum none. Signature $20 a year from the second year. - FX: 0% Avici markup. Visa may charge 0.4% to 1% cross-border on non-USD spending. - Conversion: No card transaction fee - ATM: Platinum: $1 plus 0.65% per withdrawal. Signature: free. $250 a day, 3 withdrawals a day. - Other fee: Platinum ATM balance inquiry or decline: $0.60 - Other fee: Physical card delivery: standard free (3 to 4 weeks), priority $15 US or $50 international - Cashback: No ongoing cashback - Avici doesn't offer a standard cashback rate - $5 welcome bonus - Reviewers have noted limited-time category cashback offers, so check the app - Top up: Deposit USDC into your escrow smart contract on Ethereum, Arbitrum, Optimism or Polygon. Fees: No top-up fee. Network fees apply. - Withdraw: Withdraw unspent USDC from escrow to your wallet at any time; ATM cash withdrawals. Fees: No withdrawal-to-wallet fee. ATM free on Signature. - Assets: USDC on Ethereum, Arbitrum, Optimism and Polygon. - Availability: About 49 to 50 countries, including the US (not every state), Argentina, Australia, Brazil, Hong Kong, Japan, Mexico, Singapore, Thailand and the UAE. The UK, most of Europe, Canada, China and India are listed as restricted. - Limits: No provider-set daily spending limit. Your limit is your escrowed USDC.; ATM: $250 a day, 3 withdrawals a day - Perks: Signature: airport lounge access, travel and rental car insurance, purchase protection, emergency medical cover - Pros: No Avici FX markup or transaction fees; Your USDC stays in an escrow only you can withdraw from; No annual fee on Platinum; Cheap Signature tier with travel perks and free ATM use - Cons: No ongoing cashback; Pay for each card ($10 to $75); Not available in the UK or most of Europe; USDC only; Hit by the August 2026 Rain contract exploit (users were repaid) - Verdict: The low-fee pick for self-custody spending, especially on the cheap Signature tier. Choose it for costs and control, not cashback. - Sources: - Whale Alert: outdated Rain Solana card contract exploit: https://whale-alert.io/stories/cee2016a985ed6/Outdated-Rain-Solana-card-contract-exploit-drains-11M-in-USDC-and-USDT-from-user-collateral-accounts (Exploit details, Aug 2026) - Tech Insider: Avici refunds 1,685 users: https://tech-insider.org/?p=18646 (Refunds, 2026) - Avici fees and limits: https://docs.avici.money/getting-started/secured-credit-cards/fees-and-limits (Official fee schedule) - SpendNode: Avici review: https://www.spendnode.io/crypto-cards/avici/ (Tiers, escrow model, countries, verified Oct 4, 2026) - DefiLlama card details: Avici: https://defillama.com/protocol/card-details/avici (Fees, delivery, bonus, verified Aug 29, 2026) ## Fuse Card (Crypto Cards Guide score 6.5/10) URL: https://cryptocardsguide.xyz/cards/fuse/ Last checked: 2026-10-17 The Fuse Card is a free virtual Visa in the Fuse self-custody wallet, made by Squads, that spends USDC on Solana. Fuse says there are no top-up or card transaction fees, including abroad. It's issued by Lead Bank with Bridge, works with Apple Pay, and has a $2,000 daily limit. It's available in the US (except New York and Alaska), 14 Latin American countries, Ghana and Nigeria. The app is iOS only, and there's no physical card, ATM access or cashback. - Best for: iPhone users in the Americas or West Africa who want a free card for Solana USDC. - Skip if: You use Android, need cash, or spend more than $2,000 a day. - Network: Visa - Card issuer: Lead Bank, with Bridge as program manager - Custody: Self-custody smart wallet on Solana. Funds move to a card account to spend. - Card type: Prepaid debit - Forms: Virtual - Card cost: Free - Annual fee: None. Fuse Plus is free after KYC. - FX: None. Fuse says there are no fees when you use the card outside the US. - Conversion: None on USDC - ATM: Not available - Cashback: No cashback - The card pays no purchase rewards - Top up: USDC on Solana; USD (ACH, wire) and EUR (SEPA) bank transfers through virtual accounts, converted to USDC. Fees: No top-up fee. Solana network fees are tiny. - Withdraw: Move funds from the card account back to your wallet after a 5-minute security lock; Send USDC on Solana; ACH or SEPA bank transfers where available. Fees: No Fuse fee listed. - Assets: USDC on Solana. - Availability: The US (except New York and Alaska), Argentina, Bolivia, Brazil, Colombia, Costa Rica, the Dominican Republic, Ecuador, El Salvador, Guatemala, Honduras, Mexico, Panama, Paraguay, Peru, Uruguay, Ghana and Nigeria. New York, Alaska, and countries not on the list. The app is iOS only. - Limits: $2,000 a day and $2,000 per transaction, raised for some users over time - Perks: USD and EUR virtual account details for receiving money - Pros: No card, top-up or FX fees; Self-custody wallet; Bank transfers in and out - Cons: iOS only; Virtual only, no ATM; No cashback; $2,000 daily limit - Verdict: A genuinely fee-free stablecoin card if you have an iPhone and live in a supported country. Pair it with a card that pays cashback or handles cash. - Sources: - Fuse Help: Fuse Visa Card: https://fusewallet.com/support/fuse-visa-card (Countries, fees, limits, issuer, checked Oct 17, 2026) - Fuse: bank transfers: https://fusewallet.com/support/bank-transfers (USD and EUR virtual accounts) - Fuse: https://fusewallet.com/ (Official site) ## Jupiter Card (Crypto Cards Guide score 6.5/10) URL: https://cryptocardsguide.xyz/cards/jupiter/ Last checked: 2026-10-15 The Jupiter Card is a Visa debit card from the Solana DEX Jupiter. It pays 2% back in USDC, or 4% in months after you make at least two qualifying referrals, capped at $100 a month. There's no annual fee, the physical card costs $13.13 plus shipping, and FX is 1% in most markets or 1.8% in Asia-Pacific. You fund it with USDC or USDT on Solana, Base, Arbitrum or Sui. - Best for: Solana users in Asia-Pacific, Latin America or the Middle East who want simple stablecoin cashback. - Skip if: You live in the US or Europe, or you spend more than $5,000 a month and want uncapped rewards. - Network: Visa - Card issuer: DCS in Asia-Pacific, Rain in other markets - Custody: Not disclosed by Jupiter - Card type: Debit - Forms: Virtual and physical - Card cost: Physical card $13.13 plus shipping. Virtual card fee not listed. - Annual fee: None - FX: 1% in Rain-issued markets. 1.8% in DCS-issued markets (Asia-Pacific). - Conversion: Not publicly listed - ATM: Rain-issued cards: $1 plus 0.65% per withdrawal, plus $0.30 and 1% if the cash isn't in USD. $0.60 for a balance check or declined withdrawal. - Cashback: 2% back in USDC, 4% with referrals - 2% base cashback, paid in USDC - 4% in the month after you make at least 2 qualifying referrals - Capped at $100 a month - Referral rewards: $10 for you after your friend spends $50, $20 for your friend after they spend $1,000 - Top up: USDC or USDT on Solana, Base, Arbitrum or Sui. Fees: No top-up fee listed. Network fees apply. - Withdraw: Move stablecoins back out to your wallet. Fees: Network fees apply. ATM $1 plus 0.65% on Rain-issued cards. - Assets: USDC and USDT on Solana, Base, Arbitrum and Sui. - Availability: Asia-Pacific (Australia, Japan, South Korea, Malaysia, Philippines, Singapore, Thailand, Taiwan, Vietnam) plus 40+ markets including the UAE, Argentina, Brazil and much of Latin America and the Caribbean. US and EEA residents aren't on the published country lists. Check the app before ordering a physical card. - Limits: Asia-Pacific (DCS): $50,000 a day; Other markets (Rain): no provider-set daily limit - Perks: Referral rewards for both you and your friend - Pros: 2% cashback in USDC, not a volatile token; No annual fee and a cheap physical card; Works with Solana, Base, Arbitrum and Sui; Apple Pay and Google Pay - Cons: Cashback capped at $100 a month; 4% needs two referrals every month; 1.8% FX in Asia-Pacific; Custody model isn't published - Verdict: A clean stablecoin cashback card for Solana users outside the US and Europe. The $100 monthly cashback cap keeps it from the top of the list. - Sources: - Jupiter docs: fees and limits: https://docs.jup.ag/user-docs/global/spend/fees-and-limits (Card, FX and ATM fees, checked Oct 17, 2026) - Jupiter docs: rewards and referrals: https://docs.jup.ag/user-docs/global/spend/rewards-and-referrals (2% base, $100 cap, 4% with referrals) - DefiLlama card details: Jupiter: https://defillama.com/protocol/card-details/jupiter (Issuers, countries, fees, cashback, chains, verified Oct 1, 2026) - Jupiter: https://jup.ag/ (Official site) ## Rizon Card (Crypto Cards Guide score 6.5/10) URL: https://cryptocardsguide.xyz/cards/rizon/ Last checked: 2026-10-16 Rizon is a self-custody Visa Platinum card that spends USDC or USDT on Polygon, Optimism or Arbitrum, with US and EUR account details built in. The free Standard plan has no cashback and charges 1.7% on international and trading. Gold ($3.99 a month) pays 1% and Emerald ($6.99 a month) pays 2.5%, with lower fees. ATM withdrawals cost $1 plus 0.65%. Eligibility depends on your passport across about 50 nationalities. - Best for: Freelancers and remote workers who want USD account details and a self-custody card. - Skip if: You live in the UK or most of Europe, or you want cashback without a subscription. - Network: Visa - Card issuer: Third National - Custody: Self-custody smart wallet - Card type: Collateralised charge card (0% APR) - Forms: Virtual and physical - Card cost: Standard: virtual $10, physical $49.99. Gold: virtual free, physical $24.99. Emerald: both included. - Annual fee: Standard free. Gold $3.99 a month. Emerald $6.99 a month (3-month minimum). - FX: 1.7% Standard, about 1.28% Gold, about 1.02% Emerald - Conversion: Trading fee 1.7% Standard, about 1.28% Gold, 0.85% Emerald - ATM: $1 plus 0.65% - Other fee: Small-transaction fee: $0.50, $0.38 or $0.25 by plan - Cashback: 0% to 2.5% by plan - Standard 0%, Gold 1%, Emerald 2.5% - Caps apply. Insurance, rent, utilities and other categories are excluded. - RizPoints accrue alongside cashback - Top up: USDC or USDT on Polygon, Optimism or Arbitrum; US and EUR account details for bank deposits. Fees: Network gas onchain. Trading fee when converting. - Withdraw: Send stablecoins to any wallet; ATM withdrawals. Fees: ATM $1 plus 0.65%. - Assets: USDC and USDT on Polygon, Optimism and Arbitrum. - Availability: About 50 eligible nationalities, based on passport. Not available to residents of Canada, Chile, China, Hong Kong, India, South Korea, Taiwan, Turkey, Nigeria, the UK and most of Europe. - Limits: Not published - Perks: US account details in about a minute - Pros: Self-custody with US and EUR account details; Up to 2.5% back on Emerald; Cheap ATM fees - Cons: Cashback needs a paid plan; 1.7% FX on the free plan; Not for most of Europe or the UK - Verdict: A solid choice for remote workers who need USD account details, especially on Emerald. - Sources: - SpendNode: Rizon review: https://www.spendnode.io/crypto-cards/rizon/ (Plans, fees, custody, countries, verified Oct 6, 2026) - CoinGecko: Best crypto cards: https://www.coingecko.com/en/cards (2.5% cashback, ATM fee) ## Bybit Card (Crypto Cards Guide score 6.4/10) URL: https://cryptocardsguide.xyz/cards/bybit/ Last checked: 2026-10-15 The Bybit Card is a custodial Mastercard that spends from your Bybit exchange balance. There's no annual fee. On the EEA and Swiss program, FX costs 0.5% on top of Mastercard's rate, crypto conversion costs 0.9% and ATM use is free up to €100 a month, then 2%. Cashback ranges from about 1% to 10% by VIP level, paid in BTC, USDT, USDC or AVAX. On the global program, only purchases paid with crypto earn cashback since October 2026. Outside Europe, FX is usually 1.5% to 2%. It isn't available in the US, UK, Canada or Singapore. - Best for: Active Bybit traders in Europe, Latin America or Asia-Pacific who already hold funds on the exchange. - Skip if: You live in the US, UK or Canada, or you don't want to keep money on an exchange. - Network: Mastercard - Card issuer: Varies by region. Harmoniie SAS for the EEA and Swiss program. - Custody: Custodial (your balance sits on the Bybit exchange) - Card type: Debit in Europe. Credit in some Asia-Pacific and Mexico programs. - Forms: Virtual and physical - Card cost: Physical card or replacement about €5 (EEA and Swiss program). Virtual card free. - Annual fee: None - FX: EEA and Switzerland: 0.5% on top of Mastercard's rate. Other programs listed by trackers: 1% Peru, 1.5% Brazil, 2% Asia-Pacific, Australia, Mexico and Kazakhstan, 7% Argentina. - Conversion: 0.9% when crypto is converted to pay (minimum €1 or $1), EEA and Swiss program - ATM: EEA and Switzerland: free up to €100 a month, then 2%. Some other programs list $100 a month free. - Other fee: No monthly, inactivity or cancellation fees - Other fee: Virtual Card Lite has a €150 lifetime spending cap - Cashback: About 1% to 10% by VIP level - Rates rise with your Bybit VIP level. Reviewers list 1% for non-VIP users up to 10% for the top tier. - Bybit's January 2026 announcement describes 2% to 10% depending on rewards tier - Choose your payout: BTC, USDT, USDC or AVAX. Credited daily to your Funding account. - VIP tiers have monthly caps that Bybit doesn't publish - ATM withdrawals and P2P transfers don't earn cashback - Global program: from 5 October 2026 only crypto-funded purchases earn cashback or Rewards Points. Fiat-funded purchases earn nothing. - Top up: Spends directly from your Bybit Funding account, converting crypto at checkout; Deposit crypto to Bybit from any wallet; Buy crypto on Bybit with a bank card or P2P in supported regions. Fees: No separate card top-up fee. Crypto conversion at checkout costs 0.9% on the EEA program. - Withdraw: Withdraw crypto from Bybit to any wallet; Sell crypto through Bybit P2P in supported regions; ATM cash withdrawals. Fees: Network fees for crypto withdrawals. ATM 2% after the free monthly allowance. - Assets: Any supported balance in your Bybit Funding account, including USDT, USDC, BTC and ETH. - Availability: EEA and Switzerland (through Bybit EU), Australia, Argentina, Brazil, Mexico, Kazakhstan and parts of Asia-Pacific. The bybit.com EUR card closed to new EEA applicants on January 1, 2026. Not available in the US, UK, mainland China, Hong Kong, Singapore, Canada or sanctioned countries. - Limits: EEA program: €5,000 per transaction and €5,000 per day; ATM: up to €2,000 per day on physical cards; Other regions have their own limits, for example $50,000 a day in Australia - Perks: Pick your cashback asset, including Bitcoin; New-user promotions, such as up to 10% in BTC on selected categories (capped at €150, January 2026) - Pros: No annual fee and low 0.5% FX in Europe; Cashback in BTC or stablecoins; Spends straight from your exchange balance, no separate top-up; Free ATM allowance each month - Cons: Custodial: your money sits on an exchange; Best cashback rates need a high VIP level, with unpublished caps; 0.9% conversion fee when you spend crypto; Not available in the US, UK, Canada or Singapore; Terms vary a lot by country - Verdict: A convenient card for Bybit users in Europe and emerging markets. Keep balances modest, spend stablecoins to avoid conversion fees, and don't count on the top cashback tier. - Sources: - Bybit: Introduction to Bybit Card Rewards: https://www.bybit.com/en/help-center/article/Introduction-to-Bybit-Card-Rewards (Crypto-funded purchases only from Oct 5, 2026) - Bybit: Fees and spending limits: https://www.bybit.com/en/help-center/article/Fees-and-Spending-Limits-Bybit-Card (FX, conversion, card and ATM fees by country, updated Sep 10, 2026) - CryptoSlate: Bybit Card review: https://cryptoslate.com/crypto-cards/bybit-card-review/ (Regions, VIP cashback, EEA fee schedule, limits, updated Oct 3, 2026) - Bybit EU: Bitcoin cashback on the Bybit Card (PR Newswire): https://tools.prnewswire.com/en-us/live/20813/release/20260119EN65610 (2% to 10% cashback, no annual fee, Jan 19, 2026) - DefiLlama card details: Bybit: https://defillama.com/cex/card-details/bybit (Regional FX fees and limits, verified Sep 1, 2026) ## Crypto.com Prepaid Visa Card (Crypto Cards Guide score 6.4/10) URL: https://cryptocardsguide.xyz/cards/crypto-com/ Last checked: 2026-10-15 The Crypto.com Visa is a custodial prepaid card from one of the largest crypto exchanges. Rewards are paid in CRO and depend on your Level Up plan: up to 4.5% on prepaid cards and up to 6% on the US credit card. Higher rates need a paid subscription (from $4.99 a month) or a 12-month CRO lockup. It's available in the US, Canada, the EEA, the UK, Australia, New Zealand, Singapore, Brazil and Bahrain. - Best for: People who already use the Crypto.com app and are happy to subscribe or lock CRO for better rewards. - Skip if: You want rewards without subscriptions or token lockups, or you prefer self-custody. - Network: Visa (Mastercard in Bahrain) - Card issuer: Varies by region. US credit card issued by Comenity Capital Bank. - Custody: Custodial (Crypto.com holds your balance) - Card type: Prepaid, plus a credit card in the US - Forms: Virtual and physical - Card cost: Varies by region and tier. Check the app. - Annual fee: No annual card fee on prepaid cards. Level Up plans start at $4.99 a month. - FX: No foreign transaction fees on the prepaid card in the US, Canada and EEA, but fees may apply on some tiers or in some jurisdictions - Conversion: Not publicly listed. Top-ups from crypto use Crypto.com's conversion rate. - ATM: ATM withdrawals supported on prepaid cards. Fees and free limits depend on your region and tier. - Cashback: Up to 4.5% in CRO (prepaid), up to 6% (US credit) - Rewards are paid in CRO, so their value moves with the CRO price - Your rate depends on your Level Up tier (Plus, Pro or Private) - Tiers need a subscription from $4.99 a month, or a CRO lockup or staking for 12 months - The US Visa Signature credit card offers 1.5% to 6% depending on tier - Top up: Crypto from your Crypto.com app balance; Fiat from your Crypto.com fiat wallet (bank transfer where supported); Debit or credit card top-ups in some regions. Fees: Depends on the method and region. Card top-ups usually cost more than bank transfers. - Withdraw: Move funds back to your Crypto.com app; Withdraw fiat to your bank through the fiat wallet; Withdraw crypto onchain from the app; ATM cash withdrawals. Fees: Network fees for crypto withdrawals. Bank withdrawal fees depend on region. - Assets: Top up with stablecoins or other crypto held in the Crypto.com app. - Availability: US (prepaid and credit), Canada, the EEA, the UK, Australia, New Zealand, Singapore, Brazil and Bahrain. Not available everywhere Crypto.com operates. Check the app in your region. - Limits: Daily limits by region: €25,000 EEA, £22,000 UK, S$100,000 Singapore, A$30,000 Australia - Perks: Level Up plans also bundle other Crypto.com app benefits; Perks such as subscription rebates and lounge access have been tied to higher tiers in the past. Check current terms in your region. - Pros: Big, established app with lots of funding options; Available in the US, Canada, UK, EEA and Asia-Pacific; High reward rates on top tiers - Cons: Best rates need a monthly subscription or a 12-month CRO lockup; Rewards paid in CRO, which can lose value; Custodial; Fee and perk details differ a lot by country - Verdict: Convenient if you already use Crypto.com, and rewarding if a Level Up plan makes sense for your spending. Do the subscription maths first, and remember it's custodial. - Sources: - Crypto.com: Revamped Level Up: https://crypto.com/es/company-news/revamped-levelup (Level Up tiers, pricing, card reward ranges, Sep 2, 2025) - DefiLlama card details: Crypto.com: https://defillama.com/cex/card-details/crypto-com (Regions, networks, daily limits, reward caps, verified Sep 28, 2026) ## OKX Card (Europe) (Crypto Cards Guide score 6.4/10) URL: https://cryptocardsguide.xyz/cards/okx/ Last checked: 2026-10-16 The OKX Card is a Mastercard for EU and Norwegian residents that spends USDC or USDG from your OKX Pay account. OKX charges no card, transaction or FX fee, just a 0.1% market spread when converting. Paying with USDG earns 2% back for regular users (capped at €10 a month) and 4% to 10% for VIP levels with caps up to €1,000. It launched in January 2026. - Best for: Europeans who already use OKX and want low-cost stablecoin spending. - Skip if: You live outside the EU and Norway, or you want meaningful cashback without OKX VIP status. - Network: Mastercard - Card issuer: A European licensed payment provider (not named). OKX Europe Ltd is the licensed OKX entity under MiCA. - Custody: Funds sit in your OKX Pay account (custodial) - Card type: Debit - Forms: Physical card (virtual details not stated) - Card cost: Not stated - Annual fee: No card fee - FX: No FX fee from OKX. Mastercard's rate applies. - Conversion: 0.1% market spread per transaction - ATM: Not stated - Cashback: 2% to 10% on USDG spend, VIP-based - Regular: 2%, capped at €10 a month - VIP 1: 4% (cap €300). VIP 2: 4.5% (€450). VIP 3: 5% (€1,000). VIP 4 and up: 10% (€1,000). - Only purchases paid with USDG earn cashback. USDC purchases earn none. - Rates as of 29 May 2026. OKX's text says 2% to 5% while its table shows up to 10%. - Top up: Deposit USDC or USDG into OKX Pay from an external wallet; Convert other crypto to USDC or USDG inside OKX. Fees: No card top-up fee. OKX's convert spread and network fees apply. - Withdraw: Withdraw stablecoins from OKX to any wallet; Sell to euros and withdraw to your bank through OKX. Fees: OKX's normal withdrawal fees apply. - Assets: USDC and USDG. - Availability: EU countries plus Norway. Launched 28 January 2026. Iceland and Liechtenstein are excluded, and it isn't offered outside Europe. - Limits: No spending limit published beyond your balance. Insufficient balance means a declined payment. - Perks: Higher cashback and caps with OKX VIP levels - Pros: No card, transaction or FX fee from OKX; Only a 0.1% conversion spread; Up to 10% back for VIP users - Cons: Regular users' cashback is capped at €10 a month; Cashback only on USDG, not USDC; Custodial, on an exchange; Europe only, and some details like ATM fees aren't published - Verdict: A low-fee stablecoin card for Europeans on OKX. Great for VIP traders, modest for everyone else. - Sources: - OKX Learn: OKX Card Europe explained: https://www.okx.com/cs/learn/okx-card-europe-explained (Fees, cashback table, countries, launch date) - FinTech Global: Digital asset spending surges through OKX Card in Europe: https://fintech.global/?p=252778 (2026 coverage) ## Coinbase Card and Coinbase One Card (Crypto Cards Guide score 6.3/10) URL: https://cryptocardsguide.xyz/cards/coinbase/ Last checked: 2026-10-15 Coinbase offers a Visa debit card that spends USDC in the US, the EEA and the UK, with no Coinbase ATM fee, and a US-only Coinbase One Card on American Express that pays 2% to 4% back in bitcoin. The credit card needs a Coinbase One membership (Basic costs $49.99 a year), and the 4% rate depends on how much crypto you hold on Coinbase. Both are custodial. - Best for: US residents who already use Coinbase and want bitcoin rewards on everyday spending. - Skip if: You live outside the US, EEA and UK, or you don't want to pay for a membership to earn rewards. - Network: Visa (debit card). American Express (Coinbase One Card). - Card issuer: Pathward (US debit), Paysafe (UK debit), First Electronic Bank (Coinbase One Card) - Custody: Custodial (Coinbase holds your balance) - Card type: Debit card, plus the Coinbase One credit card in the US - Forms: Virtual and physical - Card cost: Not publicly listed for the debit card. Coinbase One Card: first replacement waived, then up to $40. - Annual fee: Debit card: no annual fee listed. Coinbase One Card: no card fee, but you need Coinbase One (Basic $49.99 a year or $5 a month, full plan $29.99 a month). - FX: Not publicly disclosed. Check the app for your country. - Conversion: Not publicly disclosed - ATM: Debit card: $0 from Coinbase (ATM operators may charge). Coinbase One Card cash advance: greater of $10 or 5%. - Other fee: Coinbase One Card late or returned payment: up to $41 - Other fee: US debit card daily spending limit: up to $2,500 per 24 hours - Cashback: 2% to 4% in BTC (Coinbase One Card, US) - Coinbase One Card: 2% base. 2.5% to 4% on the first $10,000 a month depending on your crypto holdings on Coinbase, then 2%. - Rewards are paid in bitcoin - Requires an active Coinbase One membership - The debit card doesn't list a cashback rate - Top up: Spends USDC from your Coinbase account (debit card); Buy USDC on Coinbase with a bank transfer or card; Deposit crypto from any wallet to Coinbase; Coinbase One Card is a credit card, so you pay the bill instead of topping up. Fees: Coinbase's trading and funding fees apply when you buy crypto. USDC deposits from your own wallet only cost network fees. - Withdraw: Cash out to your bank account from Coinbase; Send crypto to any wallet; ATM cash withdrawals with the debit card. Fees: Bank withdrawal fees depend on method and country. Network fees apply to crypto withdrawals. - Assets: USDC for the debit card. Coinbase One Card rewards depend on crypto held on Coinbase. - Availability: Debit card in the US and 31 European countries including the UK. Coinbase One Card in the US only. Not available outside the US, EEA and UK. - Limits: US debit card: up to $2,500 spending per 24 hours; Coinbase One Card: credit limit set at approval. A secured option uses a $200 to $5,000 USDC deposit. - Perks: Bitcoin rewards on all spending categories with the Coinbase One Card; Coinbase One benefits such as reduced trading fees (depends on plan) - Pros: Backed by a large, publicly listed exchange; Up to 4% back in bitcoin on the US credit card; No Coinbase ATM fee on the debit card; Easy bank funding and cash-out - Cons: Credit card rewards need a paid Coinbase One membership; The 4% rate depends on holding a lot of crypto on Coinbase; FX fees aren't clearly published; Custodial, and limited to the US and Europe; Low $2,500 daily limit on the US debit card - Verdict: The Coinbase One Card is a strong bitcoin rewards card for US Coinbase users who'll spend enough to cover the membership. The debit card is a simple USDC spending option in the US and Europe. - Sources: - DefiLlama card details: Coinbase: https://defillama.com/protocol/card-details/coinbase-card (Networks, issuers, ATM terms, limits, rewards, verified Sep 28, 2026) - Decrypt: Coinbase One Card opens to all users: https://decrypt.co/344888/coinbase-one-card-opens-all-users-bitcoin-rewards (Membership pricing, 2% to 4% bitcoin back, Oct 20, 2025) ## RedotPay Card (Crypto Cards Guide score 6.3/10) URL: https://cryptocardsguide.xyz/cards/redotpay/ Last checked: 2026-10-17 RedotPay is a custodial stablecoin card that works in most of the world, with a $10 virtual card, a $100 physical card and no annual fee on the standard plan. Spending in a currency that isn't your card's default costs 1.2%, and converting crypto costs 1%. The standard card has no cashback. RedotPay Pro ($12.90 a month or $129 a year) adds 3% back on Apple Pay and Google Pay purchases, capped at $18 a month, and the yearly plan includes a free physical card and up to $1,000 a month of ATM fee waivers. - Best for: People in countries that most crypto cards skip, and anyone who wants P2P funding with local payment methods. - Skip if: You want cashback, self-custody, or the lowest possible FX cost. - Network: Not named on RedotPay's card page - Card issuer: Not disclosed - Custody: Custodial (funds sit in your RedotPay account) - Card type: Prepaid stablecoin card - Forms: Virtual and physical - Card cost: Virtual card $10. Physical card $100. Standard delivery free, express courier priced by country. - Annual fee: None - FX: 1.2% when you pay in a currency other than your card's default - Conversion: 1% when crypto is converted to spend - ATM: 2% per withdrawal. On the USD card, 2% up to $10,000 a month, then 3%. - Other fee: Declined transactions: first 3 each month free, then $0.50 each - Other fee: Small authorizations: first 5 each month free, then $0.20 each - Other fee: Virtual card replacement: $5 the first time, $10 after that - Cashback: None on standard. 3% on Apple Pay and Google Pay with Pro, capped at $18 a month - Standard plan: no fixed cashback. RedotPay runs a points program instead. - RedotPay Pro: 3% back on Apple Pay and Google Pay purchases only, capped at $18 a month - Pro cashback is paid in USDs, can only be used for future card spending and expires after 30 days - A $5 welcome bonus has been offered to new users, valid for 30 days and only for purchases. Check the app for the current offer. - Top up: Crypto deposits including USDT, USDC, BTC, ETH, BNB, SOL, TRX, XRP and SUI on supported networks; Buy crypto with a bank card inside the app; P2P marketplace with local currencies and payment methods (selected regions). Fees: No deposit fee is listed by RedotPay. Each coin and network has a minimum deposit after network fees, shown on the in-app Deposit page. - Withdraw: Send crypto to an external wallet or exchange; Sell stablecoins for local currency through P2P (selected regions); Free in-app transfers to other RedotPay users; ATM cash withdrawals with the card. Fees: Network fees apply to onchain withdrawals. P2P trades are listed as free, but RedotPay doesn't guarantee P2P settlement. - Assets: USDT, USDC, BTC, ETH, BNB, SOL, TRX, XRP, SUI and more. Supported networks vary by coin. - Availability: Very wide. Third-party trackers list RedotPay in around 200 countries and territories. P2P and Earn are only offered in selected regions. RedotPay doesn't publish a full restricted-country list on its card page. Check eligibility in the app before paying for a physical card. - Limits: Spending limits are high and set per account. Check the app for yours. - Perks: RedotPay Pro yearly: free physical card, up to $1,000 a month of ATM fees waived and +1% on Earn; Points and rewards program; Built-in P2P marketplace (selected regions); Multi-currency wallet run with licensed partners - Pros: Works in more countries than almost any other crypto card; No annual fee; Lots of ways to fund it, including P2P with local payment methods; Apple Pay and Google Pay on the virtual card - Cons: Fees stack up: 1.2% FX plus 1% crypto conversion on many purchases; $100 for the physical card is steep; Custodial, so RedotPay holds your balance; No cashback on the standard plan, and Pro cashback is small and capped at $18 a month; The full fee table lives in an image on the help center, which makes it harder to check - Verdict: A practical pick if you live in a country most crypto cards ignore. Keep balances small, use the virtual card, and look elsewhere if you want rewards or the lowest fees. - Sources: - RedotPay Help Center: Getting started with RedotPay Pro: https://helpcenter.redotpay.com/en/articles/14686020 (Pro pricing, 3% cashback cap, ATM waiver, 4 Sep 2026) - RedotPay homepage: https://www.redotpay.com/ (P2P, Earn and credit disclosures) - RedotPay card page: https://www.redotpay.com/card (Card types, no annual fee on physical card, Apple Pay and Google Pay) - RedotPay Help Center: Card limitations and fees: https://helpcenter.redotpay.com/en/articles/10339271-redotpay-card-limitations-fees (Fee table, July 2026) - RedotPay Help Center: Supported cryptocurrencies and minimum deposits: https://helpcenter.redotpay.com/en/articles/10693364-supported-cryptocurrencies-networks-minimum-deposits (Deposit rules) - DefiLlama card details: RedotPay: https://defillama.com/protocol/card-details/redotpay-card (Fee figures and country count, verified Aug 30, 2026) ## Tangem Pay Card (Crypto Cards Guide score 6.3/10) URL: https://cryptocardsguide.xyz/cards/tangem/ Last checked: 2026-10-17 Tangem Pay is a Visa card from hardware wallet maker Tangem that spends USDC and USDT you move in from your Tangem wallet. The Basic plan is free with 1% cashback, capped at $100 a month. Plus costs $29.99 a month (free if you spend $4,500 a month) and pays 2%, capped at $300. Virtual cards come first, and physical cards opened for ordering in October 2026. Tangem adds no transaction fee on purchases; Visa's rate applies on non-USD spending. ATM cash costs 4% on Basic and 2% on Plus. - Best for: Tangem wallet users who want a card with stablecoin cashback and US bank transfers. - Skip if: You need cheap ATM cash, or you want a full country list before you sign up. - Network: Visa (Platinum on Basic, Signature on Plus) - Card issuer: Third National, with Paera as program manager - Custody: Hybrid. Your keys stay in the Tangem wallet, but money you move to Tangem Pay sits in a card account. - Card type: Prefunded debit - Forms: Virtual and physical (up to 3 cards on Basic and 5 on Plus, counting both) - Card cost: Virtual card free; extra virtual cards $5. Physical card: delivery quoted by country in the app. Plus waives your first physical delivery. - Annual fee: Basic free. Plus $29.99 a month, waived when you spend $4,500 in the month. - FX: No Tangem markup. Visa's exchange rate applies on non-USD purchases, and a cross-border fee may apply. - Conversion: No monthly account fee or standard transaction fee on purchases - ATM: 4% on Basic, 2% on Plus. Up to $250 per withdrawal and 3 per 24 hours. Contactless ATMs and eligible cards only. - Other fee: US bank deposits by ACH or Fedwire on Basic: $1 or $11. Free on Plus. - Other fee: Bank withdrawals to US accounts by ACH or Fedwire, fee shown before you confirm - Cashback: 1% to 2% in USDC - Basic 1%, capped at $100 a month. Plus 2%, capped at $300 a month. - Only purchases of $30 or more count - Paid in USDC on Polygon after each billing cycle - Top up: USDC or USDT on Polygon, Base, Arbitrum or BNB Smart Chain, sent from your Tangem wallet or an exchange; US bank transfers by ACH or Fedwire where the app offers them. Fees: No Tangem fee for crypto top-ups. Network fees apply. Bank deposits $1 (ACH) or $11 (Fedwire) on Basic, free on Plus. - Withdraw: Send USDC or USDT back to your Tangem wallet; ACH or Fedwire to a US bank account, up to $10,000 per transfer; ATM cash with a physical or eligible card. Fees: ATM 4% (Basic) or 2% (Plus). Bank transfer fees shown before you confirm. - Assets: USDC and USDT on Polygon, Base, Arbitrum and BNB Smart Chain. - Availability: Available in many countries, but Tangem doesn't publish a full list. Physical cards ship only to supported, verified countries of residence. Check the Tangem app. Sanctioned countries are excluded. - Limits: Daily spending per card: $10,000 on Basic, $50,000 on Plus; ATM: $250 per withdrawal, 3 per 24 hours; Bank withdrawals: $10,000 per transfer - Perks: Plus: purchase protection, price protection and extended warranty cover; Plus: free first physical card delivery - Pros: No transaction fee on purchases; USDC cashback, with a free plan; Keys stay in your Tangem wallet until you move money to the card; US bank deposits and withdrawals - Cons: Expensive ATM cash: 4% on Basic; Plus costs $29.99 a month unless you spend $4,500; $30 minimum purchase for cashback; No published country list - Verdict: A good stablecoin card for Tangem wallet owners, especially on the free Basic plan. Skip it if you need cheap cash. - Sources: - Tangem Help Center: Basic and Plus tiers: https://tangem.com/en/help-center/tiers/ (Plan prices, cashback caps, limits, checked Oct 17, 2026) - Tangem Help Center: funding, withdrawals and fees: https://tangem.com/en/help-center/funding-withdrawals-fees/ (Networks, ATM and bank transfer fees) - Tangem: Tangem Pay physical cards are here: https://tangem.com/en/blog/post/tangem-pay-cards/ (Physical card ordering, card limits per plan, Oct 2026) - The Paypers: Tangem launches physical Visa card: https://thepaypers.com/crypto-web3-and-cbdc/news/tangem-launches-physical-visa-card-with-up-to-2-percent-usdc-cashback (Launch, cashback, limits, Oct 7, 2026) ## Tuyo Card (Crypto Cards Guide score 6.2/10) URL: https://cryptocardsguide.xyz/cards/tuyo/ Last checked: 2026-10-15 The Tuyo Card is a free, self-custody virtual Visa that spends USDC on Ethereum, Arbitrum, Base, Polygon or BNB Chain. There's no issuance or annual fee, and it's listed in over 200 countries. Non-USD purchases cost 1%, and up to 2% when you're abroad. Limits start at $50,000 a day. There's no published cashback. - Best for: People in hard-to-serve countries who want a free self-custody USDC card. - Skip if: You want cashback or a physical card. - Network: Visa - Card issuer: Rain - Custody: Self-custody - Card type: Spend card - Forms: Virtual - Card cost: None - Annual fee: None - FX: 1% on non-USD purchases. Up to 2% with the 1% abroad fee. - Conversion: None listed for USDC - ATM: 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). Tuyo doesn't publish its own ATM fee. - Cashback: No published cashback - Tuyo doesn't publish a cashback rate - Top up: USDC on Ethereum, Arbitrum, Base, Polygon or BNB Chain. Fees: No top-up fee listed. Network fees apply. - Withdraw: Move USDC back to any wallet; ATM withdrawals. Fees: Network fees. ATM fees not published. - Assets: USDC on Ethereum, Arbitrum, Base, Polygon and BNB Chain. - Availability: Listed in over 200 countries and territories, one of the widest footprints of any self-custody card. Check the app during sign-up. - Limits: $50,000 a day at first, rising to $100,000 after $50,000 of total spend and $200,000 after $100,000; ATM: $250 per withdrawal including surcharges, 3 attempts per 24 hours - Perks: - Pros: Free: no issuance or annual fee; Self-custody; Huge country coverage; High spending limits - Cons: Up to 2% on foreign purchases; No cashback; Virtual only, USDC only; ATM fee not published, and only $250 per withdrawal - Verdict: A free, no-frills self-custody card that works almost anywhere. Good as a backup, light on extras. - Sources: - Tuyo Help: card guide: https://help.tuyo.com/guides/card.html (FX and abroad fees, ATM rules, daily limits, checked Oct 17, 2026) - DefiLlama card details: Tuyo: https://defillama.com/protocol/card-details/tuyo-card (Fees, chains, countries, limits, verified Aug 27, 2026) - Tuyo: https://tuyo.com (Official site) ## Bitpanda Card (Crypto Cards Guide score 6.1/10) URL: https://cryptocardsguide.xyz/cards/bitpanda/ Last checked: 2026-10-16 The Bitpanda Card is a free Visa debit card for euro area residents. It spends any crypto or precious metal on Bitpanda, or euros, and pays 1% cashback on crypto spending (not stablecoins, metals or euros). Bitpanda adds no FX fee, though Visa's rate applies, and ATM withdrawals cost 2% or €2, whichever is higher. Converting crypto at checkout carries a spread of around 1.5% depending on the asset. - Best for: Euro area investors who already use Bitpanda. - Skip if: You live outside the euro area or mostly hold stablecoins. - Network: Visa - Card issuer: Transact Payments Malta Limited - Custody: Custodial (Bitpanda account) - Card type: Debit - Forms: Virtual and physical - Card cost: Free, including first shipment. Replacement €5.90, lost or stolen €9.90. - Annual fee: None - FX: €0 from Bitpanda. Visa's FX rate applies. - Conversion: Asset spread when crypto is sold to pay, around 1.5% depending on the asset - ATM: 2% or €2, whichever is higher - Other fee: Additional physical card: €10 - Cashback: 1% on crypto spending - 1% back when you pay with crypto - No cashback on euros, metals or stablecoins - Top up: Choose any crypto, metal or euros on Bitpanda as your payment asset; Bank transfer euros into Bitpanda. Fees: No top-up step. A fallback asset covers payments if your main one runs low. - Withdraw: SEPA withdrawals to your bank; ATM cash withdrawals. Fees: ATM 2% or €2 minimum. - Assets: All crypto and precious metals on Bitpanda, plus euros. - Availability: Residents of euro area countries with a verified Bitpanda account. Not available outside the euro area. - Limits: €10,000 a day, €70,000 a week, €280,000 a month; ATM: €500 a day - Perks: Spend gold and silver as well as crypto - Pros: Free card with no monthly fee; Spend crypto, metals or euros; 1% back on crypto spending; Regulated European broker - Cons: No cashback on stablecoins or euros; Conversion spread on crypto; ATM minimum fee of €2; Euro area only - Verdict: A convenient, low-fuss card for Bitpanda users in the euro area. Don't expect real rewards. - Sources: - Bitpanda Card: https://bitpanda.com/en/card (Official fees, cashback, limits, eligibility) - CoinGecko: Top crypto cards in Switzerland: https://www.coingecko.com/learn/top-crypto-cards-switzerland (Conversion spread estimate, Sep 23, 2026) ## Oobit Card (Crypto Cards Guide score 6.1/10) URL: https://cryptocardsguide.xyz/cards/oobit/ Last checked: 2026-10-16 Oobit is a virtual Visa for Apple Pay and Google Pay that can spend straight from a connected wallet like MetaMask, Trust Wallet or Phantom, or from an in-app balance. It works in the US and much of Europe. There's no annual fee, but each payment costs 1% or $0.25, whichever is higher, and non-USD spending can cost up to about 3%. After $250 of spending, cashback unlocks: 5% in USDT on up to $200 a month, or 10% in OOB. - Best for: Wallet users who want to tap to pay with crypto without moving it to an exchange. - Skip if: You spend mostly in non-USD currencies, where fees are high. - Network: Visa - Card issuer: Rain - Custody: Hybrid. Connected wallets stay self-custody. In-app balances are held by Oobit. - Card type: Spend card - Forms: Virtual (Apple Pay and Google Pay) - Card cost: Free - Annual fee: None - FX: Up to 3% on non-USD purchases (about 3.1% in testing) - Conversion: 1% or $0.25 per payment, whichever is higher - ATM: 2.5%, max $250 per withdrawal, 3 a day - Cashback: 5% in USDT or 10% in OOB - Unlocks at Level 2, after $250 of tap-to-pay spending in a 90-day cycle - 5% in USDT on up to $200 of monthly spend, or 10% in OOB on up to $10,000 - Paid in 1 to 3 days - Top up: Connect MetaMask, Trust Wallet or Phantom with WalletConnect; Or hold an in-app balance. Fees: No top-up fee. The per-payment fee applies. - Withdraw: Connected wallets stay in your control; ATM withdrawals. Fees: ATM 2.5%. - Assets: 20+ assets including stablecoins, BTC, ETH, Tether Gold and OOB. - Availability: The US (including New York since June 2026) and many EEA countries. Not available in China, Hong Kong, India, Japan, Singapore, Turkey, Egypt or Kenya. - Limits: $10,000 a day (dynamic) - Perks: Points worth $1 per 1,000 - Pros: Pay directly from a self-custody wallet; Works in the US and Europe; High cashback once unlocked - Cons: 1% minimum per-payment fee; Up to about 3% on non-USD spending; Cashback needs $250 of spending to unlock; Virtual only - Verdict: Clever and convenient for US wallet users. Too expensive for travel. - Sources: - SpendNode: Oobit review: https://www.spendnode.io/crypto-cards/oobit/ (Fees, cashback, issuer, countries, verified Sep 27, 2026) - cryptocards.so: Oobit: https://www.cryptocards.so/en/card/oobit-tap-pay (Cross-check) ## Binance Card (Crypto Cards Guide score 6.0/10) URL: https://cryptocardsguide.xyz/cards/binance/ Last checked: 2026-10-16 The Binance Card is a custodial Mastercard prepaid card that spends crypto from your Binance account, including Flexible Earn balances. It's available in selected markets such as Brazil, Australia, New Zealand and Peru, not in Europe, the UK or the US. There's no annual fee. Crypto conversion costs 0.9% (0.1% for USDC), FX adds 2% on top of Mastercard's rate, and cashback is up to 3% in BNB where offered. - Best for: Binance users in supported markets who want to spend directly from their exchange balance. - Skip if: You live in Europe, the UK or the US, or you travel a lot. - Network: Mastercard - Card issuer: Not named - Custody: Custodial (funds stay on Binance) - Card type: Prepaid debit - Forms: Virtual and physical - Card cost: None - Annual fee: None - FX: 2% on top of Mastercard's rate - Conversion: 0.9% on crypto spending (0.1% for USDC) - ATM: 2 free withdrawals a month, then $1.50 each - Other fee: Cancelling a physical card within a year: 30 BRL (Brazil) - Cashback: Up to 3% in selected markets - Rates and payout coin depend on your market - Mexico (from June 2026): 1.5% under $100 a month, 2% from $100 and 3% from $1,000, capped at $100 a month and paid in BTC - Brazil has shown 2%, with older terms capping cashback at 250 BRL a month - Top up: Spend USDT, USDC, FDUSD, BNB, BTC, ETH, SOL, XRP, LTC or ADA from your Binance account; Spend straight from Flexible Earn balances; BRL deposits in Brazil. Fees: Conversion fee applies when crypto is spent. - Withdraw: Withdraw crypto or local currency from Binance; ATM cash withdrawals. Fees: ATM free twice a month, then $1.50. - Assets: 10 assets including USDT, USDC, BNB and BTC. - Availability: Selected markets including Brazil, Australia, New Zealand and Peru. Binance doesn't publish a fixed country list. Not available in Europe, the UK or the US. - Limits: $20,000 daily and monthly spending, $100,000 a year (higher with more verification) - Perks: Spend from Flexible Earn while it keeps earning - Pros: No annual fee; Spend from Flexible Earn balances; Cheap 0.1% conversion on USDC; Free ATM withdrawals twice a month - Cons: 2% FX on foreign purchases; 0.9% conversion on most crypto; Limited, app-gated availability; Custodial on an exchange - Verdict: Handy if you're a Binance user in a supported country. Spend USDC to keep costs down and avoid using it abroad. - Sources: - Binance: How the Binance Card Global Program cashback works (Mexico): https://www.binance.com/en/support/faq/detail/103b9ce119344d0fa04d547017cbcfea (Cashback tiers, cap and payout, updated Sep 25, 2026) - SpendNode: Binance card review: https://www.spendnode.io/crypto-cards/binance/ (Markets, fees, cashback, limits, verified Sep 30, 2026) - Finance Magnates: Binance Card adds daily cashback and auto top-up: https://www.financemagnates.com/cryptocurrency/exchange/binance-card-adds-daily-cashback-auto-top-up-and-raises-limits/ (2026 update) ## Deblock Card (Crypto Cards Guide score 6.0/10) URL: https://cryptocardsguide.xyz/cards/deblock/ Last checked: 2026-10-16 Deblock is a French e-money account with a free Visa card, a French IBAN and a self-custody crypto wallet where you hold the keys. The Standard plan is free, with no FX markup on card payments and €100 a month of free ATM use (then 1%). Buying or selling crypto costs a 1.99% spread on Standard or 0.49% on Premium (€14.99 a month). There's no cashback. - Best for: People in France who want a real current account that sits next to a self-custody wallet. - Skip if: You want cashback or live outside France. - Network: Visa - Card issuer: Deblock SAS (ACPR-licensed e-money institution, MiCA-authorised) - Custody: Hybrid. Euros in a Deblock e-money account, crypto in a self-custody wallet you control. - Card type: Debit - Forms: Virtual (unlimited, free) and physical (first card free) - Card cost: First physical card free. Virtual cards free. - Annual fee: Standard free. Premium €14.99 a month. - FX: No markup. Visa's rate applies. - Conversion: Crypto buy or sell spread: 1.99% Standard, 0.49% Premium, 0% Native - ATM: Standard €100 a month free, then 1%. Premium €1,000 a month free. - Other fee: SEPA and SEPA Instant transfers free - Cashback: No cashback - Deblock doesn't offer card cashback - Top up: Bank transfer to your French IBAN; Sell crypto from your self-custody wallet into euros. Fees: SEPA transfers free. Crypto spread applies when selling. - Withdraw: SEPA transfers; Send crypto to any wallet (gas only); ATM withdrawals. Fees: Onchain withdrawals cost network gas only. - Assets: Euros for card spending. BTC, ETH and ERC-20 tokens, Polygon, Solana, Optimism, Arbitrum and Base in the wallet. - Availability: France. Germany and Austria were announced for 2026. Check deblock.com for availability outside France. - Limits: €5,000 a month by default, adjustable in the app - Perks: Full current account with French IBAN - Pros: Free account and card with a French IBAN; No FX markup; You hold your own crypto keys - Cons: No cashback; 1.99% crypto spread on the free plan; Mainly France for now; Lose your seed phrase and your crypto is gone - Verdict: A great everyday account for French crypto users who want their coins in self-custody. - Sources: - CryptoActu: Deblock review: https://cryptoactu.com/avis/deblock/ (Plans, fees, wallet, licences, updated Aug 14, 2026) ## Exa Card (Crypto Cards Guide score 6.0/10) URL: https://cryptocardsguide.xyz/cards/exa/ Last checked: 2026-10-15 The Exa Card is a free, self-custody Visa card from the Exactly lending protocol. It spends USDC from your Exa Wallet on Optimism and other Ethereum networks, works in about 47 countries, and includes Visa protections like purchase and price protection. ATM withdrawals cost $1 plus 0.65%. The weak spot is FX: up to 1.5% plus up to 1.5% cross-border outside the US, and there's no published cashback. - Best for: DeFi users who want a free, self-custody card with good protections and cheap ATM withdrawals. - Skip if: You want cashback, or you spend a lot in foreign currencies. - Network: Visa - Card issuer: Third National - Custody: Self-custody (Exa Wallet) - Card type: Spend card globally, credit card in the US - Forms: Virtual - Card cost: Free with an Exa Wallet - Annual fee: None in the US. Exa advertises the card as free. - FX: Global: up to 1.5% FX plus up to 1.5% cross-border. US: 1% international transaction fee. - Conversion: None listed for USDC - ATM: $1 plus 0.65% per withdrawal. Max $250 per withdrawal, 4 a day. - Other fee: US credit card late payment: 2% of the outstanding balance - Cashback: No published cashback - Exa doesn't publish a cashback rate - Referral bonus: 10 USDC for you and 10 USDC for a qualified friend - Top up: Hold USDC in your Exa Wallet on Optimism, Arbitrum, Ethereum or Polygon. Fees: No top-up fee listed. Network fees apply. - Withdraw: Move funds from your Exa Wallet to any address; Bank payouts from USDC by ACH, domestic US wire or SEPA, through Bridge, where approved; ATM withdrawals. Fees: ATM $1 plus 0.65%. Bank deposits and payouts share a free allowance of $3,000 or 60 transfers; after that ACH costs 0.4% and SEPA 0.7%. US wires cost 1% from the first transfer. - Assets: USDC on Optimism, Arbitrum, Ethereum and Polygon. - Availability: About 47 countries, including the UAE, Argentina, Australia and Brazil, plus a US credit version. Exa says access may be restricted in some places. Check the app. - Limits: ATM: $250 per withdrawal, 4 withdrawals a day - Perks: Visa concierge; Extended warranty, price protection and purchase protection; Visa Luxury Hotel Collection - Pros: Free card; Self-custody; Cheap ATM fees; Good Visa protections included - Cons: Up to 3% FX and cross-border fees outside the US; No cashback; Virtual only; Only USDC - Verdict: A free, well-protected self-custody card that's best for USD spending. Skip it for travel. - Sources: - Exa Help: onramping and offramping fees and limits: https://help.exactly.app/en/articles/14093183-onramping-offramping-fees-limits (Bank deposit and payout fees) - Exa Help: card availability and usage: https://help.exactly.app/en/articles/8979641-card-availability-and-usage (Eligible countries and US states, checked Oct 17, 2026) - Exa Card: https://www.exactly.app/exa-card (Free card, self-custody) - DefiLlama card details: Exa: https://defillama.com/protocol/card-details/exa-card (FX, ATM, chains, countries, perks, verified Aug 29, 2026) ## Kolo Visa Card (Crypto Cards Guide score 6.0/10) URL: https://cryptocardsguide.xyz/cards/kolo/ Last checked: 2026-10-17 Kolo is a custodial Visa card that spends USDT, USDC and EURC with no annual or monthly fee. Every card payment carries a 1% fee, and payments in a currency other than the card's add another 1%, so 2% in total. It pays 2% back in BTC for your first 30 days, then 1%, capped at $100 a month, which roughly cancels the payment fee at home. ATM withdrawals cost $1 plus 0.65%, and you can top up on 11 networks including TRON, Solana and Ethereum. - Best for: Stablecoin holders who want a simple card with cheap ATM cash that works in a lot of countries. - Skip if: You want self-custody, high cashback or zero fees on every payment. - Network: Visa - Card issuer: Not disclosed (card services provided through Hardline Holdings with Raincards, per SpendNode) - Custody: Custodial (Kolo holds your balance) - Card type: Prepaid stablecoin card (USD and EUR versions) - Forms: Virtual - Card cost: 10 USDC activation fee, which is credited back to your card balance - Annual fee: None. No monthly fee. - FX: 1% extra on payments in another currency (2% in total with the payment fee), on top of the Visa rate. - Conversion: 1% fee on every card payment, including payments funded with stablecoins. No extra rate markup on USDT, USDC or EURC. Other crypto has a spread of roughly 0.3% to 1%. - ATM: $1 plus 0.65% per withdrawal. Max $500 per withdrawal, 3 per 24 hours. - Other fee: ATM balance inquiry or declined ATM transaction: $0.60 - Other fee: No weekend surcharge - Cashback: 2% then 1% in BTC - 2% in BTC for your first 30 days, then 1% - Capped at $100 a month and $1 per transaction ($2 during the intro period) - Paid daily in BTC at the rate when the purchase was approved - Top up: Crypto deposits: USDT, USDC, EURC, BTC, ETH and LTC; Networks: TRON, Ethereum, Solana, Base, Arbitrum, Polygon, BNB Chain, Avalanche, TON, Bitcoin and Litecoin. Fees: No Kolo top-up fee listed. Blockchain network fees apply. - Withdraw: Send crypto out to another wallet; SEPA bank transfers from the EUR side; ATM cash withdrawals. Fees: ATM $1 plus 0.65%. Network fees for crypto. - Assets: USDT, USDC, EURC, BTC, ETH and LTC across 11 networks. - Availability: The USD card is listed for 170+ countries and the EUR card for 130+, outside restricted jurisdictions. Restricted jurisdictions apply. Check the app during sign-up. - Limits: ATM: $500 per withdrawal, 3 per 24 hours - Perks: Referral program paying 40% of Kolo fees from friends you invite; IBAN for euro transfers on the EUR card - Pros: No annual or monthly fees; 1% BTC cashback roughly offsets the 1% payment fee at home; Cheap ATM fees compared with most crypto cards; Lots of supported networks, including TRON - Cons: 1% fee on every payment, 2% on foreign currency; Cashback drops to 1% after the first month and is capped; Custodial; Virtual card only - Verdict: A no-drama stablecoin card with wide coverage and cheap ATMs. The 1% payment fee means it's best for local spending where cashback cancels it out, not for travel. - Sources: - Kolo: https://www.kolo.xyz/ (Official site) - KK Investing: Kolo Card review: https://kkinvesting.io/en/posts/kolo-card/ (1% payment fee and 1% non-USD fee from Kolo's pricing page, 2026) - SpendNode: Kolo Card review: https://www.spendnode.io/crypto-cards/kolo-card/ (Country coverage, fees, cashback caps, entities, Aug 13, 2026) - DefiLlama card details: Kolo: https://defillama.com/protocol/card-details/kolo-card (ATM fees, networks, coins, verified Aug 30, 2026) - Kolo integrates TRON (Newsfile): https://www.newsfilecorp.com/release/282424 (TRC-20 USDT top-ups, Feb 3, 2026) ## Wealthsimple Chequing Card (Crypto Cards Guide score 5.9/10) URL: https://cryptocardsguide.xyz/cards/wealthsimple/ Last checked: 2026-10-17 Wealthsimple's Chequing account (formerly Wealthsimple Cash) comes with a prepaid Visa Platinum card that pays 1% cashback, which you can have invested automatically in crypto or stocks. There's no monthly fee, no foreign transaction fee and no ATM fee, and Wealthsimple reimburses up to $5 per ATM withdrawal in Canada. The balance earns interest. The card spends Canadian dollars, so you sell crypto in the app first, which includes a spread. - Best for: Canadians who want a free everyday card with no FX fees and crypto rewards. - Skip if: You want to spend crypto directly without selling it first. - Network: Visa (Platinum, prepaid) - Card issuer: Wealthsimple's card partner (prepaid program) - Custody: Custodial. CAD in a chequing account; crypto held by Wealthsimple. - Card type: Prepaid - Forms: Virtual and physical - Card cost: Free - Annual fee: None. No monthly fee. - FX: No foreign transaction fee - Conversion: The card spends CAD. Selling crypto in the app includes Wealthsimple's spread. - ATM: No Wealthsimple fee. ATM fees in Canada reimbursed up to $5 each. - Other fee: Free Interac e-Transfers - Cashback: 1% back, in cash, crypto or stocks - 1% cashback on card spending - You can have cashback auto-invested in the crypto or stock of your choice - Top up: Direct deposit, Interac e-Transfer and bank transfers; Sell crypto or investments in the app to CAD. Fees: Free deposits. Crypto sales include a spread. - Withdraw: Interac e-Transfer and bank transfers; ATM cash. Fees: Free, with ATM fees reimbursed up to $5 in Canada. - Assets: CAD, plus crypto and stocks in your Wealthsimple accounts. - Availability: Canadian residents. Outside Canada. - Limits: Shown in the app - Perks: Interest on your balance, from about 1.25% to 2.25% depending on your Wealthsimple assets; Extra 0.5% interest with $2,000 a month of direct deposit (Core and Premium) - Pros: No FX fee and no ATM fee; 1% cashback you can invest in crypto; Interest on the balance - Cons: Canada only; Can't spend crypto directly; Crypto trades include a spread - Verdict: One of the best free everyday cards in Canada, with crypto as a bonus rather than the funding source. - Sources: - Finder Canada: Wealthsimple Chequing review: https://www.finder.com/ca/digital-banking/wealthsimple-cash (1% cashback, no FX or ATM fees, interest tiers, 2026) - cryptonoshi: Wealthsimple Card: https://cryptonoshi.com/product/wealthsimple-card/ (Card listing) - Wealthsimple: https://www.wealthsimple.com/ (Official site) ## SwissBorg Card (Crypto Cards Guide score 5.8/10) URL: https://cryptocardsguide.xyz/cards/swissborg/ Last checked: 2026-10-16 The SwissBorg Card is a Mastercard that spends any of the 100+ assets in your SwissBorg app. Most users get a virtual card for Apple Pay and Google Pay, with physical cards rolling out during 2026. SwissBorg's Smart Engine trading fee applies when assets are converted, and BORG stakers can get up to 99% of that fee back. Cashback is paid in BORG based on your loyalty rank. - Best for: European SwissBorg users, especially BORG holders. - Skip if: You need a physical card right now or clear ATM terms. - Network: Mastercard - Card issuer: Not named - Custody: Custodial (SwissBorg app) - Card type: Debit - Forms: Virtual for most users. Physical cards rolling out in 2026. - Card cost: Virtual free for most users. A physical card fee of about CHF 15 has been reported. - Annual fee: Not published - FX: SwissBorg advertises no hidden spreads on currency conversion - Conversion: Smart Engine trading fee, with up to 99% back for BORG stakers - ATM: Not clear. Sources disagree on whether ATM withdrawals are available yet. - Cashback: Cashback in BORG by loyalty rank - Cashback in BORG on valid purchases, based on your SwissBorg loyalty rank - BORG stakers can get up to 99% of the trading fee back - Top up: Spend any of 100+ assets held in SwissBorg; Deposit by bank transfer or crypto. Fees: No top-up step. Trading fee applies on conversion. - Withdraw: Withdraw crypto or fiat from SwissBorg. Fees: SwissBorg's normal withdrawal fees apply. - Assets: 100+ assets in the SwissBorg app. - Availability: Europe, including Switzerland. Check the SwissBorg app for your country. - Limits: €10,000 per transaction, €50,000 a month, €600,000 a year - Perks: Trading fee rebates for BORG stakers - Pros: Spend from 100+ assets; Apple Pay and Google Pay; Rebates for BORG stakers - Cons: Mostly virtual for now; ATM availability unclear; Rewards depend on BORG; Custodial - Verdict: A natural fit for SwissBorg and BORG holders. Others will find simpler, cheaper cards. - Sources: - CoinGecko: Top crypto cards in Switzerland: https://www.coingecko.com/learn/top-crypto-cards-switzerland (SwissBorg card details, Sep 23, 2026) - Crypto Briefing: SwissBorg integrates Apple Pay: https://cryptobriefing.com/swissborg-apple-pay-crypto-card-europe/ (Apple Pay in Europe) ## VaultLeap Card (Crypto Cards Guide score 5.8/10) URL: https://cryptocardsguide.xyz/cards/vaultleap/ Last checked: 2026-10-16 VaultLeap gives you US account details for ACH and a prepaid Visa that spends USDC, aimed at freelancers and remote workers. There's no monthly or per-purchase fee, and VaultLeap lists 0% FX on card purchases, though a partner pass-through of about 0.5% applies to conversions. Transfers cost 0.55% (or 0.30% on Pro). There's no ATM access and cashback is coming soon. It serves 48 US states, 14 Latin American countries and parts of Africa. - Best for: Freelancers in Latin America or Africa who get paid in USD. - Skip if: You need cash withdrawals or cashback. - Network: Visa - Card issuer: Lead Bank (Bridge is the program manager) - Custody: Self-custody, according to VaultLeap - Card type: Prepaid debit - Forms: Virtual - Card cost: Free - Annual fee: No monthly fee - FX: 0% on card purchases. About 0.5% partner pass-through on conversions. - Conversion: About 0.5% partner pass-through - ATM: ATM withdrawals not available - Other fee: Transfers: 0.55% (Standard) or 0.30% (Pro) - Cashback: Coming soon - VaultLeap says cashback is coming soon - Top up: Receive USD by ACH to your US account details; Deposit USDC. Fees: Check the app. Transfers cost 0.30% to 0.55%. - Withdraw: Send USD or USDC out. Fees: 0.30% to 0.55% per transfer. - Assets: USDC (via Bridge). - Availability: 48 US states, 14 Latin American countries and parts of Africa. Check the app for your country. - Limits: Not published - Perks: US ACH routing numbers - Pros: US account details for getting paid; No monthly or purchase fees; Self-custody - Cons: No ATM access; No cashback yet; Fees come from VaultLeap's own marketing pages - Verdict: A simple dollar account and card for freelancers outside the US. - Sources: - VaultLeap vs RedotPay (VaultLeap): https://vaultleap.com/compare/vaultleap-vs-redotpay (Fees, issuer, countries, as of July 2026) ## Holyheld Card (Crypto Cards Guide score 5.7/10) URL: https://cryptocardsguide.xyz/cards/holyheld/ Last checked: 2026-10-16 Holyheld is a self-custody Mastercard for EEA residents that spends crypto from your own wallet, with support for 1,000+ assets across several networks and a personal IBAN for SEPA. There's no monthly fee. The Classic card costs €29 and topping up from your wallet is free. Card payments outside the domestic zone cost 2.5% plus €1, and ATM cash costs €1 at home or 2.5% plus €2 abroad. Cashback is 0.5% in USDC, or 1% with the €199 metal card. - Best for: European DeFi users who want an IBAN and a card connected to their own wallet. - Skip if: You spend in foreign currencies often. - Network: Mastercard - Card issuer: Not stated - Custody: Self-custody (pays from your own wallet) - Card type: Debit - Forms: Virtual and physical (Limited Edition virtual €99, metal €199) - Card cost: Classic card €29. Limited Edition virtual card €99. Metal card €199. Virtual reissue €1, physical reissue €29. - Annual fee: No monthly fee - FX: International card payments: 2.5% plus €1. Domestic payments are free for the first 100 a month. - Conversion: 0% top-up fee from your wallet - ATM: €1 domestic. 2.5% plus €2 international or in another currency. €0.50 for a declined withdrawal or balance check. - Cashback: Up to 1% in USDC - Up to 1% back in USDC (listings show 0.5% to 1%) - Top up: Top up from your own wallet with 1,000+ supported assets; SEPA transfers and salary to your personal IBAN. Fees: No Holyheld top-up fee. Network fees apply. - Withdraw: SEPA transfers; ATM withdrawals. Fees: ATM €1 domestic, 2.5% plus €2 abroad. - Assets: 1,000+ cryptocurrencies across several networks, including ETH, USDC, USDT, ARB and OP. - Availability: EEA residents. Not aimed at residents outside the EEA. - Limits: $10,000 a day, $25,000 a month - Perks: Personal IBAN for salary and freelance payments - Pros: Self-custody with very wide asset support; Personal IBAN; No monthly fee - Cons: 2.5% plus €1 on international card payments; €29 for the Classic card; Low cashback - Verdict: Good for self-custody and an IBAN in Europe if you spend in euros at home. Leave it in the drawer when you travel. - Sources: - Holyheld fees: https://holyheld.com/legal/fees (Official fee schedule: card prices, top-up, ATM, international payments, cashback) - cryptocards.so: Holyheld card: https://www.cryptocards.so/de/card/holyheld-card (Fees, cashback, limits, assets) - Dune: card transactions coverage: https://docs.dune.com/data-catalog/curated/payments/card-transactions (Holyheld tracked onchain) ## Nexo Card (Crypto Cards Guide score 5.7/10) URL: https://cryptocardsguide.xyz/cards/nexo/ Last checked: 2026-10-15 The Nexo Card is a custodial Mastercard with two modes: Debit Mode spends your balance, and Credit Mode borrows against your crypto. There's no annual fee. FX costs 0.2% on EEA, UK and Swiss currencies on weekdays (0.7% on weekends) and 2% on other currencies (2.5% on weekends). Cashback of 0.5% to 2% in NEXO only applies in Credit Mode and needs a $5,000+ portfolio. It's mainly for Europe and the UK. - Best for: Europeans who hold crypto on Nexo and want to spend against it without selling. - Skip if: You live outside Europe, want a physical card right away, or want cashback without a $5,000 portfolio. - Network: Mastercard - Card issuer: DiPocket UAB - Custody: Custodial (Nexo holds your assets) - Card type: Dual mode, debit or credit line backed by crypto - Forms: Virtual for new users (physical orders paused since January 2025) - Card cost: Virtual card free. Physical card ordering has been paused since January 2025. Replacement physical card 15 EUR/GBP/USD. - Annual fee: None - FX: EEA, UK and Swiss currencies: 0.2% weekdays, 0.7% weekends. Other currencies: 2% weekdays, 2.5% weekends. - Conversion: Included in the FX figures above - ATM: Free monthly allowance by loyalty tier: €200 Base, €400 Silver, €1,000 Gold, €2,000 Platinum. After that 2% (minimum €1.99), plus any operator fee. - Other fee: Credit Mode: interest accrues on the amount you borrow - Cashback: 0.5% to 2% in NEXO (Credit Mode only) - Base 0.5% NEXO or 0.1% BTC - Silver 0.7% NEXO or 0.2% BTC - Gold 1% NEXO or 0.3% BTC - Platinum 2% NEXO or 0.5% BTC - Needs a total portfolio above $5,000. Trackers list a $50 monthly cap. - No cashback on Debit Mode purchases - Top up: Deposit crypto or stablecoins to your Nexo account; Buy crypto with bank transfer or card inside Nexo; Use FIATx balances (EURx, GBPx, USDx) in Debit Mode; Credit Mode spends a credit line backed by your crypto, no top-up needed. Fees: Depends on the method. Bank and card purchase fees are shown in the app. - Withdraw: Withdraw crypto to any wallet; Withdraw fiat to your bank; ATM cash withdrawals. Fees: Network fees for crypto withdrawals. ATM fees after your monthly allowance. - Assets: Stablecoins, FIATx and crypto held in your Nexo account. - Availability: Citizens and residents of the EEA and UK. Some trackers also list Argentina, Brazil and Mexico. Not available to US residents. - Limits: Spending: €10,000 per day, €60,000 per month; ATM: €600 per transaction, €2,000 per day - Perks: Debit Mode balances can earn interest, advertised at up to 13% a year depending on tier and asset; Loyalty tiers unlock higher cashback and free ATM limits - Pros: Very low FX on European currencies during the week; Spend without selling by using Credit Mode; No annual fee; Generous free ATM allowance on higher tiers - Cons: Cashback only in Credit Mode, and only with a $5,000+ portfolio; Weekend FX surcharge; Physical cards paused for new users; Custodial and mostly limited to Europe - Verdict: A good fit for European crypto holders who want low-cost local spending and the option to borrow. Weak if you want simple cashback or a card outside Europe. - Sources: - CryptoSlate: Nexo Card review: https://cryptoslate.com/crypto-cards/nexo-card-review/ (Modes, cashback tiers, FX, ATM allowances, regions, updated Oct 3, 2026) - DefiLlama card details: Nexo Card: https://defillama.com/protocol/card-details/nexo-card (Issuer, limits, cashback cap, verified Sep 1, 2026) ## Xapo Bank Card (Crypto Cards Guide score 5.7/10) URL: https://cryptocardsguide.xyz/cards/xapo/ Last checked: 2026-10-16 Xapo Bank is a licensed private bank in Gibraltar, and its metal debit card spends with no FX fee. Instead of a flat cashback rate, it runs limited-time offers paid in bitcoin, such as 3% on rideshares from July to October 2026. Membership costs $1,000 a year. Spending bitcoin carries a 0.1% spread, ATM withdrawals are free up to $100 a month and then 2%, and daily spending is capped at $10,000. - Best for: Bitcoin holders who want a regulated bank account and card in one place. - Skip if: You won't use the account enough to justify $1,000 a year. - Network: Mastercard - Card issuer: Xapo Bank (licensed in Gibraltar) - Custody: Custodial (held by a licensed bank) - Card type: Debit - Forms: Physical metal card - Card cost: Free - Annual fee: $1,000 a year membership - FX: 0% - Conversion: 0.1% bitcoin spread - ATM: Free up to $100 a month, then 2%. Max $1,000 per withdrawal. - Cashback: Limited-time offers in BTC - No flat cashback rate. Xapo runs time-limited offers paid in bitcoin. - 1 July to 31 October 2026: 3% back in BTC on rideshares like Uber, Lyft and taxis with the metal card - Top up: Bank transfers into your USD account; Bitcoin and USDC deposits, including Lightning. Fees: No top-up fee. - Withdraw: Bank transfers; Bitcoin and USDC withdrawals, including Lightning; ATM withdrawals. Fees: ATM free up to $100 a month. - Assets: BTC and USDC, plus USD. - Availability: Available in many countries. Some countries can't receive the card or full banking services. Check eligibility with Xapo Bank. - Limits: $10,000 a day - Perks: Licensed private bank account - Pros: Regulated bank holding your money; No FX fee and a tiny bitcoin spread; Bitcoin cashback offers on top of the banking - Cons: $1,000 a year; No Apple Pay or Google Pay listed; Low free ATM allowance - Verdict: A premium bitcoin bank account, not a rewards card. Worth it only if you'll use the banking. - Sources: - Xapo Bank: transact: https://www.xapobank.com/en/banking/transact (Card cashback offers, ATM fees, checked Oct 17, 2026) - Xapo Bank service fees: https://legal.xapobank.com/fees/fees (Membership, ATM and card fees) - cryptocards.so: Xapo Bank card: https://www.cryptocards.so/en/card/xapo-card (Fees, cashback, limits) - Coin Bureau: Xapo Bank review: https://coinbureau.com/review/xapo-bank-review (Bank review, Mar 27, 2026) ## BitMart Card (Crypto Cards Guide score 5.6/10) URL: https://cryptocardsguide.xyz/cards/bitmart/ Last checked: 2026-10-16 The BitMart Card is a Visa card that spends crypto from your BitMart account and is available in more than 115 countries and regions. BitMart advertises up to 5.5% cashback, free ATM withdrawal allowances and more than $300 a year in combined rewards. It hasn't published a full fee schedule, so check the app for FX and conversion costs before you use it. - Best for: BitMart users in countries other cards don't serve. - Skip if: You want clearly published fees. - Network: Visa - Card issuer: Not named - Custody: Custodial (BitMart account) - Card type: Debit - Forms: Virtual and physical - Card cost: Listed as free by third-party trackers - Annual fee: Listed as free by third-party trackers - FX: Not published - Conversion: Not published. Crypto is converted at the point of payment. - ATM: Free ATM withdrawal allowance (amount not published) - Cashback: Up to 5.5% - Tiered cashback up to 5.5% across everyday categories - BitMart cites more than $300 a year in combined welcome and usage rewards - Top up: Spend crypto from your BitMart account, including USDT, USDC, BTC and ETH. Fees: Not published. - Withdraw: Withdraw from BitMart as usual; ATM cash withdrawals. Fees: Free ATM allowance, then fees not published. - Assets: USDT, USDC, BTC, ETH and others on BitMart. - Availability: More than 115 countries and regions. Check eligibility in the BitMart app. - Limits: Not published - Perks: Welcome rewards for new cardholders - Pros: Very wide availability; Up to 5.5% cashback; Free ATM allowance - Cons: Fees not clearly published; Cashback tiers not explained; Custodial - Verdict: Wide reach and good headline rewards, but the missing fee details make it hard to recommend. - Sources: - BitMart Card expands to 115 countries (TechBullion press release): https://techbullion.com/bitmart-card-expands-global-reach-to-115-countries-unveils-2026-benefits-with-up-to-5-5-cashback-and-300-in-annual-rewards/ (Feb 6, 2026) - cryptocards.so: BitMart Card: https://www.cryptocards.so/en/card/bitmart-bitmart-card (Card type, network, assets) ## KuCard by KuCoin (Crypto Cards Guide score 5.6/10) URL: https://cryptocardsguide.xyz/cards/kucoin/ Last checked: 2026-10-16 KuCard is KuCoin's Visa debit card for residents of 29 EEA countries. It's free, with no annual fee and 0% advertised FX (Visa's own rate applies). Cashback is paid in KCS, from 0.5% with no KCS up to 3% if you hold 3,500+ KCS, with no monthly cap. ATM withdrawals cost 1.5% plus the operator's fee. It spends from a separate Funding Account, so hold USDT there for the cheapest conversion. - Best for: KuCoin users in Europe who hold some KCS. - Skip if: You live outside the EEA or want to withdraw cash often. - Network: Visa - Card issuer: A third-party banking partner (not named) - Custody: Custodial (funds stay on KuCoin) - Card type: Debit - Forms: Virtual, plus an optional physical card - Card cost: Virtual free. Physical card has a small shipping fee, waived from VIP 1. - Annual fee: None - FX: 0% advertised. Visa's exchange rate applies. - Conversion: Advertised as 0% (promotional). Reviewers measured about 0.3% to 0.5% on stablecoins and more on other coins. - ATM: 1.5%, plus the ATM operator's fee - Cashback: 0.5% to 3% in KCS - 0 KCS: 0.5%. 100 KCS: 1%. 500 KCS: 1.5%. 1,000 KCS: 2%. 3,500+ KCS: 3%. - No monthly cap. Paid around the 5th of the following month. - Top up: Move funds into your KuCoin Funding Account; Deposit crypto to KuCoin from any wallet. Fees: No card top-up fee. Hold USDT for the lowest conversion cost. - Withdraw: Withdraw from KuCoin as usual; ATM cash withdrawals. Fees: ATM 1.5% plus operator fees. - Assets: Balances in your KuCoin Funding Account, best as USDT. - Availability: 29 EEA countries. Not issued in the US, UK or most countries outside Europe. - Limits: ATM: €250 a day - Perks: - Pros: No annual fee; Cashback with no monthly cap; 0.5% even without KCS - Cons: Best rates need KCS holdings; 1.5% ATM fee; Conversion spreads on volatile coins; Europe only, custodial - Verdict: A decent no-fee card for KuCoin users in Europe, especially if you already hold KCS. - Sources: - SpendNode: KuCoin KuCard review: https://www.spendnode.io/crypto-cards/kucoin/ (Fees, KCS tiers, countries, verified Oct 12, 2026) - KuCoin Support: About cashback: https://kucoin.com/support/33128183226777 (Official cashback terms) ## SafePal Card (Crypto Cards Guide score 5.6/10) URL: https://cryptocardsguide.xyz/cards/safepal/ Last checked: 2026-10-15 The SafePal Card is a virtual Mastercard with a Swiss IBAN account from Fiat24, linked to the SafePal wallet. SafePal says there are no account opening or management fees. Top-ups cost as little as 0.4%, and purchases settled in non-USD currencies carry a 1% exchange fee. It's available in about 42 countries, mainly in Europe, plus Australia and Canada. There's no published cashback. - Best for: SafePal wallet users who want a Swiss IBAN and a card for low-cost spending. - Skip if: You want cashback or a physical card. - Network: Mastercard - Card issuer: Fiat24 - Custody: Bank-style account held with Fiat24 - Card type: Debit - Forms: Virtual - Card cost: No account opening fee - Annual fee: No management fee - FX: 1% on Mastercard transactions settled in non-USD currencies - Conversion: Top-up from crypto as low as 0.4% (one source lists 0%) - ATM: ATM withdrawals supported. Fees not publicly disclosed. - Other fee: Transfers within the IBAN network are free - Cashback: No published cashback - SafePal doesn't publish a cashback rate - Referral program pays up to 40%, per trackers - Top up: Top up from crypto in your SafePal wallet; Bank transfer to your Swiss IBAN. Fees: Crypto top-ups as low as 0.4%. IBAN transfers within the network are free. - Withdraw: Bank transfer out from your IBAN; ATM withdrawals. Fees: Not all withdrawal fees are published. Check the app. - Assets: Crypto from the SafePal wallet, converted on top-up. - Availability: About 42 countries, including Austria, Australia, Belgium, Canada, Switzerland, Cyprus and Czechia. Check the SafePal app for your country. - Limits: Spending limits are not publicly disclosed - Perks: Personal Swiss IBAN - Pros: Swiss IBAN for bank transfers; No account or management fees; Low top-up fees; Apple Pay and Google Pay - Cons: No cashback; Virtual only; 1% FX on non-USD transactions; Limited country list - Verdict: A practical bridge between a SafePal wallet and a Swiss IBAN. Choose it for banking access, not rewards. - Sources: - DefiLlama card details: SafePal: https://defillama.com/protocol/card-details/safepal-card (Issuer, FX, top-up fees, IBAN, countries, verified Sep 28, 2026) - SafePal: https://www.safepal.com/ (Official site) ## Solayer Emerald Card (Crypto Cards Guide score 5.6/10) URL: https://cryptocardsguide.xyz/cards/solayer/ Last checked: 2026-10-15 The Solayer Emerald Card is a self-custody Visa card that spends USDC on Solana. It costs $20 a year and works in about 154 countries with Apple Pay and Google Pay. Fees add up: 1% to top up, $0.15 per transaction, and $0.10 plus 1.5% on international purchases. It doesn't publish a cashback rate and rewards users with Solayer points instead. - Best for: Solana users who want a self-custody card in a country that few other cards cover. - Skip if: You care about low fees or cashback. - Network: Visa - Card issuer: Third National - Custody: Self-custody - Card type: Credit-style card funded by USDC - Forms: Virtual and physical - Card cost: Included in the yearly fee - Annual fee: $20 a year - FX: $0.10 plus 1.5% per international transaction - Conversion: None listed for USDC - ATM: ATM withdrawals supported. Fees not publicly disclosed. - Other fee: $0.15 per transaction - Other fee: 1% top-up fee - Cashback: Points, no fixed cashback - Solayer doesn't publish a cashback rate - Spending earns Solayer points - Referrals earn 10% of the points your friends collect - Top up: Top up with USDC on Solana from your self-custody wallet. Fees: 1% per top-up - Withdraw: Move USDC back to any Solana wallet; ATM withdrawals. Fees: Solana network fees. ATM fees not published. - Assets: USDC on Solana. - Availability: About 154 countries across most regions, according to trackers. Check the Solayer app for your country. - Limits: Spending limits are not publicly disclosed - Perks: Solayer points on spending - Pros: Self-custody; Very wide country coverage; Apple Pay and Google Pay - Cons: Many small fees: 1% top-up, $0.15 per transaction, 1.5% plus $0.10 abroad; No published cashback rate; $20 a year; Only USDC on Solana - Verdict: Useful for reach and self-custody, expensive for everything else. Most people will find better value elsewhere. - Sources: - DefiLlama card details: Solayer: https://defillama.com/protocol/card-details/solayer (Fees, countries, custody, verified Aug 27, 2026) - Solayer Pay FAQ: https://docs.solayer.org/solayer-pay/faq (Membership fee) ## Gnosis Pay Visa Card (Crypto Cards Guide score 5.4/10) URL: https://cryptocardsguide.xyz/cards/gnosis-pay/ Last checked: 2026-10-17 Gnosis Pay is no longer open to new users. It stopped new card sign-ups and ended its GNO cashback on 30 September 2026, and its own Visa cards are being wound down by the end of 2026 as users move to partner apps such as Rebind for euros. If you already have a card it keeps working for now, with no FX markup and free ATM use up to €200 or 5 withdrawals a month. Your funds sit in your own Safe, so you can always withdraw them. - Best for: Existing Gnosis Pay users planning their move to a partner app before the card winds down. - Skip if: You're choosing a new card. Gnosis Pay no longer accepts new sign-ups. - Network: Visa - Card issuer: Monavate - Custody: Self-custody (a Safe smart account you control) - Card type: Debit - Forms: Physical (plus mobile wallets) - Card cost: €30.23 card purchase including shipping. Replacement for lost, stolen or damaged cards £/€4.99. - Annual fee: No annual fee listed - FX: No FX markup from Gnosis Pay. Choose local currency at the terminal for the best rate. - Conversion: None when spending EURe, GBPe or USDCe - ATM: Free up to £/€200 or 5 withdrawals a month, whichever comes first. After that 2% per withdrawal (minimum £/€1). - Cashback: Ended 30 September 2026 - GNO cashback ended on 30 September 2026 - Before that it paid 1% to 4% in GNO depending on GNO held, plus 1% with an OG NFT - Top up: Send EURe, GBPe or USDCe to your Gnosis Pay Safe on Gnosis Chain; Bank transfer to your personal IBAN, which converts to EURe or GBPe. Fees: No top-up fee listed for stablecoin or IBAN deposits. Gnosis Chain network fees are very small. - Withdraw: Send funds from your Safe to any wallet; Bank transfer out through your IBAN; ATM cash withdrawals. Fees: ATM 2% beyond the free monthly allowance. Small Gnosis Chain gas fees for onchain moves. - Assets: EURe, GBPe and USDCe on Gnosis Chain. - Availability: Closed to new sign-ups since 30 September 2026. Existing cards were issued mainly in the EEA and UK, plus some Latin American countries. No new cards are being issued. For euros, Gnosis Pay points users to Rebind on Gnosis Chain. For pounds, no Gnosis Chain partner supports GBP yet. - Limits: Spending: £/€5,000 per transaction, up to £/€8,000 per day; ATM: £/€250 per transaction, £/€500 per day - Perks: Personal IBAN for euro and pound transfers; Self-custody Safe smart account that you control - Pros: Real self-custody: funds stay in your own Safe smart account, and you can always withdraw them; No FX markup from Gnosis Pay; Your account and IBAN can move to a partner app such as Rebind - Cons: Closed to new sign-ups since 30 September 2026; Gnosis Pay cards are being wound down by the end of 2026; GNO cashback has ended; Moving to a partner gives you a new card and Safe address, and recurring payments need updating - Verdict: Closed to new users and winding down by the end of 2026. Existing users should plan their move to a partner app and keep only what they need on the card. - Sources: - Gnosis Pay Help: Is Gnosis Pay shutting down?: https://help.gnosispay.com/hc/en-us/articles/53246151768596 (Sign-up stop, cashback end, wind-down and partner migration, checked 17 Oct 2026) - SpendNode: Gnosis Pay shuts down consumer card: https://www.spendnode.io/blog/gnosis-pay-shuts-down-consumer-card-december-2026/ (Reported 20 December 2026 cutoff, 25 Sep 2026) - Gnosis Pay Help: Fees and limits: https://help.gnosispay.com/en/articles/8663251-fees-and-limits (Card price, ATM fees, spending limits) - Gnosis Pay Help: GNO cashback, how it works: https://help.gnosispay.com/en/articles/9791959-gno-cashback-how-it-works (Cashback tiers, OG NFT bonus, payout timing) - DefiLlama card details: Gnosis Pay: https://defillama.com/protocol/card-details/gnosis-pay (FX, issuer, countries, verified Aug 30, 2026) ## Hyperbeat Card (Crypto Cards Guide score 5.4/10) URL: https://cryptocardsguide.xyz/cards/hyperbeat/ Last checked: 2026-10-16 Hyperbeat Pay is a self-custody virtual Visa from the Hyperliquid ecosystem, available in about 50 countries. Everyday cashback starts at 0.2% and rises to 1% with balance and spending boosters, paid in WHYPE. Traders doing $1 million or more a month can earn 3% to 12% on capped spend. FX costs 0.4% to 1% plus up to 3% cross-border, and ATM withdrawals cost $1 plus 0.65%. - Best for: High-volume Hyperliquid traders. - Skip if: You're a regular spender, since everyday cashback is low. - Network: Visa - Card issuer: Third National - Custody: Self-custody - Card type: Spend card - Forms: Virtual - Card cost: Not listed - Annual fee: Not disclosed - FX: 0.4% to 1%, plus up to 3% cross-border - Conversion: Not listed - ATM: $1 plus 0.65% per withdrawal - Other fee: ATM balance inquiry or decline: $0.60 - Cashback: 0.2% to 1% everyday, up to 12% for big traders - 0.2% base, plus 0.2% boosters for holding $1,000 or $10,000 and spending $1,000 or $10,000 a month - Trading volume bands from $1M (3%) to $50M (12%) a month, on capped spend - Paid in WHYPE - Top up: Fund from your self-custody Hyperbeat account. Fees: Not listed. - Withdraw: Move funds to any wallet; ATM withdrawals. Fees: ATM $1 plus 0.65%. - Assets: Not publicly listed. Linked to the Hyperliquid ecosystem. - Availability: About 50 countries, including the UAE, Argentina, Australia, Brazil and Bangladesh. Check the app for your country. - Limits: $100,000 a month - Perks: - Pros: Self-custody; Huge rates for very active traders; Cheap ATM fees - Cons: Only 0.2% to 1% for regular users; Cross-border fee up to 3%; Rewards in WHYPE - Verdict: A perk for big Hyperliquid traders, not an everyday card. - Sources: - DefiLlama card details: Hyperbeat: https://defillama.com/protocol/card-details/hyperbeat (Fees, cashback bands, countries, verified Sep 30, 2026) ## MEXC Global Card (Crypto Cards Guide score 5.4/10) URL: https://cryptocardsguide.xyz/cards/mexc/ Last checked: 2026-10-16 The MEXC Global Card is a Visa card launched on August 31, 2026. There's no issuance, annual or top-up fee, and purchases cost from 1% after a launch promotion. MEXC adds no FX markup on top of Visa's rate. Cashback is 4% to 10% in USDT, capped at 800 USDT a month, and the base 4% needs MEXC's VVIP Standard tier. A linked savings product pays up to 7% a year on USDT. - Best for: Active MEXC users who can reach the VVIP tiers. - Skip if: You want a proven card with published terms in your country. - Network: Visa - Card issuer: Not named - Custody: Custodial (MEXC account) - Card type: Debit - Forms: Virtual - Card cost: None - Annual fee: None - FX: No MEXC markup. Visa's rate applies. - Conversion: Purchase fees from 1% (free until September 30, 2026) - ATM: Not published - Cashback: 4% to 10% in USDT - 4% base once the card is active and MEXC's VVIP Standard tier is activated - Higher rates by raising your M-Score through Earn, trading and tasks - Capped at 800 USDT a month - Top up: Fund from your MEXC account. Fees: No top-up fee. - Withdraw: Withdraw from MEXC as usual. Fees: MEXC's normal withdrawal fees apply. - Assets: USDT and other balances on MEXC. - Availability: Supported regions only. MEXC hasn't published a country list. Check eligibility in the MEXC app. - Limits: Up to 80,000 USDT per transaction and 1,000,000 USDT a day - Perks: Card savings product with up to 7% a year on USDT; Referral bonus: 20 USDT for you, 10 USDT for your friend - Pros: No issuance, annual or top-up fees; High cashback, paid in USDT; Instant virtual card with Apple Pay and Google Pay - Cons: Brand new, with many terms unpublished; Base rate needs a VVIP tier; Purchase fee from 1% after the promotion; Custodial - Verdict: Promising rewards from a large exchange, but wait for full terms before moving serious money. - Sources: - Invezz: MEXC launches MEXC Global Card: https://invezz.com/news/2026/08/31/mexc-launches-mexc-global-card-with-up-to-10-cashback-and-7-annualized-returns/ (Launch press release, Aug 31, 2026) - Crypto Briefing: MEXC Global Card launch: https://cryptobriefing.com/mexc-launches-mexc-global-card-with-up-to-10-cashback-and-7-annualized-returns/ (Launch coverage) ## Revolut crypto card (Crypto Cards Guide score 5.4/10) URL: https://cryptocardsguide.xyz/cards/revolut/ Last checked: 2026-10-17 Revolut lets UK and EEA customers link a virtual or physical Revolut card to their crypto balance and pay with it anywhere cards work, with Revolut converting the crypto at the moment you pay. Revolut says card payments from crypto have no exchange fees, though plan-based fair usage fees can apply. You can pay from one chosen token or from "all crypto". Plans run from free (Standard) to €55 a month (Ultra). There's no crypto cashback on the card. - Best for: Revolut users in the UK and Europe who already hold crypto in the app. - Skip if: You want self-custody, stablecoin cashback or to move crypto in and out freely. - Network: Visa or Mastercard, depending on your card - Card issuer: Revolut (Revolut Bank in the UK and EEA) - Custody: Custodial. Crypto is held by Revolut Digital Assets Europe (MiCA-licensed, Cyprus) or Revolut Ltd (UK). - Card type: Debit card linked to your crypto balance - Forms: Virtual and physical - Card cost: Virtual card free. Physical cards have delivery and customisation fees shown in the app. - Annual fee: Standard free. Plus €3.99, Premium €9.99, Metal €17.99 and Ultra €55 a month. - FX: Revolut's plan rules apply when you pay in another currency; fair usage limits depend on your plan - Conversion: No exchange fees when the card converts crypto, says Revolut. Fair usage fees may apply depending on your plan. - ATM: Physical card only. Free allowance and fees depend on your plan. Up to £3,000 or equivalent per 24 hours. - Other fee: Buying crypto in the app has trading fees from 0%, depending on plan - Cashback: No crypto cashback - The crypto card doesn't pay cashback. Revolut's paid plans have their own perks. - Top up: Buy crypto in the Revolut app from your fiat balance; Deposit supported crypto from an external wallet, where available. Fees: Trading fees from 0% by plan. No fee for card spending from crypto. - Withdraw: Sell crypto to your Revolut account and send it by bank transfer; Withdraw supported crypto to an external wallet, where available; ATM cash. Fees: Network fees on crypto withdrawals. ATM fees by plan. - Assets: 300+ tokens in the Revolut app. Link the card to one token or to all of them. - Availability: Revolut customers in the UK and EEA with crypto services enabled. Not offered through Revolut's US or other non-European apps. - Limits: Up to £100,000 or equivalent per card payment; Up to 100 crypto exchanges per 24 hours; ATM: up to £3,000 or equivalent per 24 hours - Perks: All of Revolut's banking features in the same app - Pros: No exchange fee when paying with crypto, says Revolut; Huge, regulated provider with a full banking app; Pick which token pays, or let Revolut use your largest balance - Cons: Custodial; No cashback on crypto spending; Fair usage fees depend on your plan and aren't spelled out on the card page; Every payment is a crypto disposal for tax - Verdict: The easiest way to spend crypto if you already live in Revolut. For rewards or self-custody, look at dedicated crypto cards. - Sources: - Revolut: Pay with crypto (EEA): https://www.revolut.com/en-IE/crypto/crypto-card/ (How it works, fees, plans, limits, checked Oct 17, 2026) - Revolut: Pay with crypto (UK): https://www.revolut.com/crypto/crypto-card/ (UK version) - cryptonoshi: Revolut Card [EU]: https://cryptonoshi.com/product/revolut-card-eu/ (Card listing) ## Bit2Me Card (Crypto Cards Guide score 5.3/10) URL: https://cryptocardsguide.xyz/cards/bit2me/ Last checked: 2026-10-17 The Bit2Me Card is a Mastercard from Bit2Me, a Spanish exchange licensed under MiCA by the CNMV. It comes as a virtual or physical card with no maintenance fee, spends your crypto or euros, and has no commission when you pay in euros. Cashback goes up to 7% depending on your Bit2Me tier, which depends on holding its B2M token. Bit2Me doesn't publish its FX or ATM fees on the card page. - Best for: Bit2Me users in Spain and the EEA who hold B2M. - Skip if: You don't want to hold an exchange token to unlock cashback. - Network: Mastercard - Card issuer: Not named on the card page - Custody: Custodial. Funds stay in your Bit2Me account. - Card type: Debit - Forms: Virtual and physical - Card cost: Not listed. No maintenance fee on virtual or physical cards. - Annual fee: None - FX: No commission on euro payments. Fees on other currencies aren't published on the card page. - Conversion: Crypto converts when you pay. Spread not published. - ATM: Supported. Fee not published on the card page. - Cashback: Up to 7% by tier - Up to 7% back on purchases depending on your Bit2Me tier, which is linked to B2M holdings - Linking the card to a stablecoin in Earn can add yield on top - Partner merchants through Bit2Me Life pay extra - Top up: Euro bank transfer or card top-up to your Bit2Me account; Crypto deposits. Fees: Bit2Me's standard deposit fees apply. - Withdraw: Euro bank transfer; Crypto withdrawals; ATM cash. Fees: Bit2Me's standard withdrawal fees apply. - Assets: BTC, ETH, USDC, USDT, B2M and other coins listed on Bit2Me. - Availability: Bit2Me customers in Spain and the EEA. Outside the EEA. - Limits: Shown in the app by tier - Perks: Bit2Me Travel hotel discounts; Extra cashback at partner merchants - Pros: MiCA-licensed exchange; No maintenance fee; High cashback for top tiers - Cons: Best cashback needs B2M token holdings; FX and ATM fees not published on the card page; Custodial - Verdict: A solid choice for existing Bit2Me users in Spain. Weigh the B2M requirement before chasing the top rate. - Sources: - Bit2Me Card: https://www.bit2me.com/card (Cashback, fees, MiCA licence, checked Oct 17, 2026) - cryptonoshi: Bit2Me Card: https://cryptonoshi.com/product/bit2me-card-eu/ (Card listing, June 2024) ## Bitunix Card (Crypto Cards Guide score 5.3/10) URL: https://cryptocardsguide.xyz/cards/bitunix/ Last checked: 2026-10-16 The Bitunix Card is a custodial virtual Visa that spends USDT and is listed in 173 countries. There's no issuance or annual fee, but non-USD purchases cost 1.5%, USD purchases carry a 0.5% cross-border fee and purchases under $10 cost $0.30 after your first three each month. Cashback runs from 1% to 8% in USDT by VIP level, with small monthly caps on the lower levels. There's no ATM access. - Best for: USDT holders in countries most cards skip who want a quick virtual card. - Skip if: You need ATM cash or want low fees on small purchases. - Network: Visa - Card issuer: Not disclosed - Custody: Custodial (Bitunix holds your balance) - Card type: Debit - Forms: Virtual - Card cost: None - Annual fee: None - FX: 1.5% on non-USD purchases. 0.5% cross-border fee on USD purchases. - Conversion: None - ATM: ATM withdrawals not supported - Other fee: Purchases under $10: $0.30 each after your first 3 a month - Other fee: Inactivity: $1 a month after 12 months without use - Other fee: Chargeback: $50 - Cashback: 1% to 8% in USDT, VIP-based - VIP 1: 1% (cap 4 USDT a month). VIP 2: 2% (12 USDT). VIP 4: 4% (100 USDT). VIP 6: 6% (400 USDT). VIP 8: 8% (1,000 USDT). - Each level needs a 100 USDT activation deposit or a monthly spend target, from 300 to 50,000 USDT - Top up: USDT from your Bitunix account. Fees: Top-up fees not published. - Withdraw: Move USDT back to your Bitunix account and withdraw onchain. Fees: Bitunix's network withdrawal fees apply. - Assets: USDT. - Availability: Listed in 173 countries. Check the app for your country. - Limits: $10,000 a day, $50,000 a month - Perks: - Pros: No issuance or annual fee; Very wide country coverage; Cashback paid in USDT - Cons: 1.5% FX and even 0.5% on USD purchases; Small-purchase fee; Low cashback caps unless you're a high VIP; No ATM access, virtual only - Verdict: Useful for reach. Too many small fees to be anyone's main card. - Sources: - DefiLlama card details: Bitunix: https://defillama.com/cex/card-details/bitunix (Fees, VIP cashback, limits, countries, verified Sep 30, 2026) ## Fold Bitcoin Rewards Credit Card (Crypto Cards Guide score 5.3/10) URL: https://cryptocardsguide.xyz/cards/fold/ Last checked: 2026-10-17 The Fold Bitcoin Credit Card is a US Visa credit card issued by Celtic Bank with no annual fee. It pays 1.5% back in bitcoin on every purchase with no cap. Keeping money in Fold Reserve, from $5,000, lifts the rate on your first $5,000 of card spending each month, up to 5% with a $100,000 Reserve balance. Reserve is stored value that sets your reward tier. It isn't a bank deposit and isn't FDIC insured. - Best for: US bitcoiners who want an uncapped 1.5% in bitcoin with no annual fee. - Skip if: You live outside the US or don't want rewards in bitcoin. - Network: Visa - Card issuer: Celtic Bank (powered by Stripe Issuing) - Custody: Rewards held in your Fold account - Card type: Credit card - Forms: Virtual and physical - Card cost: Not published - Annual fee: $0 - FX: Not published - Conversion: None. You spend dollars and earn bitcoin. - ATM: Credit card cash advance terms apply - Cashback: 1.5% to 5% in bitcoin - 1.5% back in bitcoin on eligible purchases, no cap - A Fold Reserve balance of $5,000 or more boosts the rate on your first $5,000 of card spend a month - 5% needs the credit card and a $100,000 Reserve balance - Fold's prepaid debit card earns up to 3% by Reserve tier - Top up: Credit card, so you pay a monthly bill. Fees: Interest applies if you carry a balance. - Withdraw: Withdraw bitcoin rewards from Fold. Fees: Fold's withdrawal terms apply. - Assets: Rewards in bitcoin. - Availability: United States, rolling out from a waitlist since May 2026. Not available outside the US. - Limits: Credit limit set at approval - Perks: Brand offers through the Fold app - Pros: Uncapped 1.5% in bitcoin; No annual fee; Spend dollars, earn bitcoin - Cons: Boosted rates need $5,000 to $100,000 parked in Fold Reserve, which isn't insured; FX terms not published; US only, still rolling out - Verdict: A simple no-fee bitcoin rewards credit card for the US. Ignore the Reserve tiers unless you already hold a lot with Fold. - Sources: - Fold pricing and Reserve tiers: https://foldapp.com/pricing (Annual fee, credit and debit reward rates, Reserve terms, checked Oct 17, 2026) - Fold: Fold rolls out new bitcoin rewards credit card: https://investor.foldapp.com/news-releases/news-release-details/correction-fold-rolls-out-new-bitcoin-rewards-credit-card (Rewards, issuer, rollout, May 27, 2026) - The Block: Fold taps Stripe and Visa: https://www.theblock.co/post/371914/fold-taps-stripe-and-visa-to-bring-bitcoin-credit-card-rewards-to-the-checkout-aisle (Earlier terms, Sep 23, 2025) ## Plutus Visa Card (Crypto Cards Guide score 5.3/10) URL: https://cryptocardsguide.xyz/cards/plutus/ Last checked: 2026-10-16 Plutus is a Visa debit card for the UK and EEA with monthly plans from £6.99 to £19.99. Each plan pays 3% back in PLU on a set amount of monthly spending (£250 to £1,000), plus 100% rebates on your first £10 at chosen merchants like Netflix and Spotify. Holding PLU can lift the rate as high as 9%. FX and ATM withdrawals each cost 2.5%, and there's no free tier. - Best for: UK and European spenders who'll use the merchant perks every month. - Skip if: You want a free card or spend abroad often. - Network: Visa - Card issuer: Not named (Plutus holds UK and Lithuanian EMI licences) - Custody: Fiat held at Modulr. PLU rewards go to your own wallet. - Card type: Debit - Forms: Virtual and physical (£9.99) - Card cost: Physical card £9.99 - Annual fee: Plans from £6.99 to £19.99 a month - FX: 2.5% on non-domestic spending - Conversion: Not applicable. You spend GBP or EUR. - ATM: 2.5% - Cashback: 3% to 9% in PLU, capped by plan - 3% base on eligible spend: £250 (Starter), £500 (Everyday) or £1,000 (Premium) a month - Hold more PLU in your own wallet for up to 9% - First £10 at 1 to 3 chosen perk merchants rebated 100% in PLU - Paid monthly to your connected wallet - Top up: Bank transfer GBP or EUR to your Plutus account. Fees: Not stated. - Withdraw: Bank transfers; PLU rewards land in your own wallet. Fees: ATM 2.5%. - Assets: GBP and EUR. Rewards in PLU. - Availability: UK and EEA residents (about 30 countries). Not available in the US or Switzerland. - Limits: £500,000 per transaction, £1M per 30 days - Perks: Monthly rebates at Netflix, Spotify, Tesco, Aldi, Uber and more - Pros: High reward rates with perk rebates; Rewards go to your own wallet; Apple Pay, Google Pay and Samsung Pay - Cons: No free plan; Rewards in PLU, a volatile token; 2.5% FX and ATM fees - Verdict: Good value if you'll max out the perks every month. Otherwise the subscription eats the rewards. - Sources: - SpendNode: Plutus review: https://www.spendnode.io/crypto-cards/plutus/ (Plans, rewards, fees, countries, verified Sep 28, 2026) - Finder: Plutus card review: https://www.finder.com/uk/cryptocurrency/plutus-review (Review) ## ARQ Card (Crypto Cards Guide score 5.2/10) URL: https://cryptocardsguide.xyz/cards/arq/ Last checked: 2026-10-17 ARQ, the app formerly called DolarApp, lets people in Mexico, Colombia, Argentina and Brazil hold digital dollars (USDc) and euros (EURc) and spend them with a Mastercard. The virtual card and card payments are free, a physical card costs $4.99 to ship in Mexico, and ATM withdrawals cost 1%. Funding from a US dollar, euro or crypto account costs 3 USDc or 3 EURc per deposit. Cashback needs a paid plan: 1% on Premium ($70 a year) and 2% on Prestige ($200). - Best for: People in Mexico, Colombia, Argentina and Brazil who want to save and spend in dollars. - Skip if: You live outside those four countries. - Network: Mastercard - Card issuer: Regional ARQ entities with Mastercard (Pier 5 in Mexico) - Custody: Custodial. Balances are held as USDc and EURc with ARQ's partners. - Card type: Debit on your dollar balance. Prestige adds a portfolio-backed credit card. - Forms: Virtual and physical - Card cost: Virtual card free. Physical card $4.99 shipping in Mexico, free with Premium or a balance over $100. - Annual fee: Standard free. Premium $70 a year. Prestige $200 a year. - FX: No card payment fee. ARQ converts at its own rate; the spread isn't published. 5% on purchases charged in Argentine pesos. - Conversion: Local-currency deposits and transfers are free - ATM: 1% on Standard. Prestige metal card 3%. - Other fee: Deposits from US dollar, euro or crypto accounts: 3 USDc or 3 EURc each - Other fee: Payments to US or euro accounts: 3 USDc or 3 EURc - Other fee: P2P transfers to other ARQ users are free - Cashback: 0% on Standard, 1% to 2% on paid plans - Premium: 1% in USDc on your first $500 a month, then 0.5% - Prestige: 2% on your first $500 a month, then 0.5% - Balances can earn rewards at no extra cost - Top up: Local bank transfers in MXN, COP, ARS or BRL; US dollar account details (ACH and wire); Euro account details (SEPA); USDC on Ethereum or Polygon. Fees: Local deposits free. US dollar, euro and crypto deposits 3 USDc or 3 EURc. - Withdraw: Local bank transfers; Payments to US and euro bank accounts; ATM cash. Fees: Local transfers free. US or euro payouts 3 USDc or 3 EURc. ATM 1%. - Assets: USDc and EURc digital dollars and euros. - Availability: Residents of Mexico, Colombia, Argentina and Brazil. Every country outside Mexico, Colombia, Argentina and Brazil. - Limits: Limits are shown in the app - Perks: US and euro account details in your name; Rewards on balances - Pros: Free virtual card and free card payments; Dollar and euro accounts for Latin Americans; Cheap 1% ATM fee - Cons: 3 USDc fee on every US dollar or crypto deposit; Cashback only on paid plans; FX spread not published; Only four countries - Verdict: One of the best ways to save and spend in dollars in Mexico, Colombia, Argentina and Brazil. Skip the paid plans unless you want the extras. - Sources: - ARQ costs and fees, Mexico: https://www.arqfinance.com/en-MX/help/articles/arq-costs-and-fees-mexico (Free and paid services, updated Oct 1, 2026) - ARQ Help: what is the ARQ Card: https://help.arqfinance.com/en/articles/13546201-what-is-the-arq-card (Card basics) - ARQ Help: DolarApp is now ARQ: https://help.arqfinance.com/en/articles/13897054-meet-our-new-brand-dolarapp-is-now-arq (Rebrand) - cryptocard.guide: ARQ Card: https://cryptocard.guide/cards/arq-card (Plan prices and cashback caps, checked Oct 11, 2026) ## Avalanche Card (Crypto Cards Guide score 5.2/10) URL: https://cryptocardsguide.xyz/cards/avalanche-card/ Last checked: 2026-10-15 The Avalanche Card is a self-custody Visa that spends AVAX, USDC or USDT. There's no card, shipping or monthly fee. Outside the US it's a spend card with FX and cross-border fees of up to 3%. In the US it's a credit card with a 1% FX fee. It's listed in about 31 countries, mostly in Latin America and the Caribbean, and rewards come as Avax Points rather than cashback. - Best for: AVAX holders in Latin America or the US who want to spend from their own wallet. - Skip if: You travel a lot or want cashback. - Network: Visa - Card issuer: Third National - Custody: Self-custody - Card type: Spend card globally, credit card in the US - Forms: Virtual and physical - Card cost: No virtual or physical card fee, free shipping - Annual fee: None in the US. No monthly account fee. - FX: Global: up to 3%. US: 1%. - Conversion: Not listed separately - ATM: Not publicly disclosed - Other fee: Global returned payment: up to $5 - Other fee: US late payment: up to 2% of the outstanding balance - Cashback: Avax Points, no fixed cashback - Spending earns Avax Points - Points can be redeemed through a travel portal - Top up: Spend AVAX, USDC, USDT or WAVAX from your wallet on Ethereum, Arbitrum, Optimism or Polygon (plus Avalanche C-Chain in the US). Fees: No top-up fee listed. Network fees apply. - Withdraw: Funds stay in your own wallet, so you can move them any time. Fees: Network fees for onchain moves. - Assets: AVAX, USDC, USDT and WAVAX. - Availability: About 31 countries, mostly in Latin America and the Caribbean (such as Argentina, Bolivia, Brazil and Chile), plus a US credit version. Check the Avalanche Card app for your country. - Limits: Spending limits are not publicly disclosed - Perks: Avax Points; Travel portal redemptions - Pros: No card, shipping or monthly fees; Self-custody; Physical card available; US credit version with a 1% FX fee - Cons: Up to 3% FX outside the US; No fixed cashback; Limited country list; ATM fees and limits not published - Verdict: Fine for AVAX holders who mostly spend at home. For travel or rewards, other self-custody cards do better. - Sources: - Avalanche Support: What is the Avalanche Card?: https://support.avax.network/en/articles/10667235-what-is-the-avalanche-card (Official overview) - DefiLlama card details: Avalanche Card: https://defillama.com/protocol/card-details/avalanche-card (Fees, assets, chains, countries, verified Sep 28, 2026) ## Payy Card (Crypto Cards Guide score 5.2/10) URL: https://cryptocardsguide.xyz/cards/payy/ Last checked: 2026-10-16 Payy is a self-custody virtual Visa that spends USDC on its own privacy-focused network. It has no annual, monthly, transaction or top-up fees, and non-USD purchases cost 1%. It's listed in about 110 countries including the US. There's no cashback. Payy confirmed a security exploit in September 2026, so keep balances small. - Best for: Privacy-minded stablecoin users who want a fee-free card for USD spending. - Skip if: You want rewards, or you're uncomfortable after the September 2026 exploit. - Network: Visa - Card issuer: A US partner bank (not named) - Custody: Self-custody (keys stored on your device) - Card type: Secured prepaid - Forms: Virtual - Card cost: Free - Annual fee: None - FX: 1% on non-USD purchases - Conversion: None stated. Other stablecoins are swapped to USDC automatically. - ATM: Contactless ATM access in private beta only - Other fee: Network gas applies when bridging funds in - Cashback: No cashback - Payy Points have no stated cash value - Top up: USDC, USDT or USDC.e from Ethereum, Base, Polygon, Optimism or Arbitrum, bridged automatically. Fees: Free, apart from network gas. - Withdraw: Send USDC out from your Payy wallet. Fees: Network gas only. - Assets: USDC on Payy Network. - Availability: About 110 countries including the US. Check the app for your country. - Limits: Not published - Perks: Private transactions using zero-knowledge proofs - Pros: No annual, monthly, transaction or top-up fees; Self-custody with privacy features; Works in the US and about 110 countries - Cons: Security exploit in September 2026; No cashback; Virtual only, no ATM yet - Verdict: Cheap and private, but wait for the exploit investigation before trusting it with real money. - Sources: - SpendNode: Payy review: https://www.spendnode.io/crypto-cards/payy/ (Fees, custody, countries, exploit status, verified Sep 26, 2026) - The Block: Stablecoin startup Payy funding: https://www.theblock.co/post/395106/stablecoin-startup-payy-funding-private-transactions (Background) ## Brighty Card (Crypto Cards Guide score 5.1/10) URL: https://cryptocardsguide.xyz/cards/brighty/ Last checked: 2026-10-17 Brighty is a Swiss-run app for Europe that combines euro and crypto accounts with a virtual Mastercard. The One plan is free; Plus costs €9 a month and Pro €18, adding a physical Visa and cheaper currency exchange. Each virtual card costs €2.99 to issue. Currency exchange costs 0.6% on One, and cashback is 0.5% in USDC, capped at $20 a month on One. Incoming crypto is free, but incoming SEPA costs 0.3% (minimum €10). - Best for: Europeans who want euros, stablecoins and a card in one app without a bank. - Skip if: You top up often by bank transfer, since the €10 minimum fee adds up. - Network: Mastercard (virtual). Physical Visa on Plus and Pro. - Card issuer: Not named in the fee schedule - Custody: Custodial. Brighty holds your fiat and crypto through partners. - Card type: Prepaid debit linked to your Brighty account - Forms: Virtual on every plan, physical Visa on Plus and Pro - Card cost: €2.99 per virtual card. One plan includes 1 card, Plus 2 and Pro 3. - Annual fee: One free. Plus €9 a month. Pro €18 a month. - FX: Currency exchange: 0.6% on One, 0.5% on Plus above €2,000 a month, 0.4% on Pro above €5,000 a month. Card networks may add up to 2% on some programs. - Conversion: Crypto converts at the same exchange rates. Incoming crypto is free. - ATM: Physical card only (Plus and Pro). Brighty doesn't publish a separate ATM fee. - Other fee: Incoming SEPA or Faster Payments: 0.3%, minimum €10 - Other fee: Outgoing SEPA: €3 plus 0.3% on One, €0.50 plus 0.3% on Plus and Pro, minimum €10 - Other fee: Crypto withdrawals: €1 to €20 depending on the network - Cashback: 0.5% in USDC - 0.5% in USDC on everyday purchases, up to 1.75% in selected categories - Monthly cap: $20 on One, $60 on Plus, $100 on Pro - Money transfers and other excluded categories don't earn cashback - Top up: Crypto deposits, including USDC, on Ethereum, Tron, Solana, Arbitrum, Polygon, BNB Chain, TON and more; SEPA and Faster Payments; SWIFT. Fees: Crypto in: free. SEPA or Faster Payments in: 0.3% (minimum €10). SWIFT in: 0.7% (minimum €50). - Withdraw: SEPA and Faster Payments; Crypto withdrawals to any wallet. Fees: SEPA out from €0.50 plus 0.3% (minimum €10). Crypto out €1 to €20 by network. - Assets: EUR and other fiat balances, USDC and other supported crypto. - Availability: The EU and EEA, plus Switzerland, Liechtenstein, Montenegro, Serbia, Andorra, San Marino and Monaco. The UK, US and countries outside Europe. - Limits: Virtual Mastercard purchases: €50,000 on One, €75,000 on Plus, €100,000 on Pro; Incoming fiat: €100,000 a month - Perks: Earning vaults for crypto balances; Third-party IBAN for receiving salary - Pros: Free plan with stablecoin cashback; Euro IBAN and crypto in one app; Free incoming crypto - Cons: €2.99 for each virtual card; 0.3% (minimum €10) on incoming bank transfers; Small cashback caps on the free plan; Custodial - Verdict: A tidy euro-and-crypto app for Europe. Fund it with stablecoins, not bank transfers, and the free plan is good value. - Sources: - Brighty Help: fees and limits: https://help.brighty.app/en/articles/8263403-fees-and-limits (Card, exchange and transfer fees as of Sep 15, 2026) - Brighty Help: where can I use the Brighty app: https://help.brighty.app/en/articles/6786569-where-can-i-use-the-brighty-app (Countries) - Brighty cashback terms: https://brighty.app/en/cashback-terms (Programme rules, BTY Digital AG) - cryptocard.guide: Brighty Card: https://cryptocard.guide/cards/brighty-card (Plan prices and cashback caps, checked Oct 6, 2026) ## Karta.io Virtual Visa (Crypto Cards Guide score 5.1/10) URL: https://cryptocardsguide.xyz/cards/karta-io/ Last checked: 2026-10-16 Karta.io offers virtual Visa cards funded with USDT or USDC, aimed at freelancers and small teams who need separate cards for subscriptions, ads and projects. The Freelancer plan lists free issuance, no monthly, top-up or FX fees and up to 30 active virtual cards, but no Apple Pay or Google Pay. The separate Karta Personal card charges 1.5% per card payment and 1 USDT plus 2.5% for ATM cash. - Best for: Freelancers who want many virtual cards for online tools and ads. - Skip if: You want to pay in shops with your phone. - Network: Visa - Card issuer: Not stated - Custody: Custodial (Karta.io account) - Card type: Prepaid virtual cards - Forms: Virtual (Freelancer plan). The personal card also comes as physical. - Card cost: Free on the Freelancer plan. Personal card $5. - Annual fee: No monthly fee - FX: Free on the Freelancer plan. Karta Personal: 1.5% fee on every card payment, and Visa adds 1% on non-USD payments. - Conversion: Free top-ups - ATM: Not applicable to virtual cards - Cashback: None on business virtual cards - Karta Personal card: check the app for current rewards. Its published fees are 1.5% per payment and 1 USDT plus 2.5% per ATM withdrawal. - Top up: USDT or USDC across several networks. Fees: Free. - Withdraw: Not described. Fees: Not published. - Assets: USDT and USDC. - Availability: Not published. Karta.io notes strict geographic restrictions. Check eligibility before signing up. - Limits: Personal card: $25,000 a day. Virtual cards: no published limits. - Perks: Up to 30 active virtual cards - Pros: Many virtual cards for separate expenses; Free top-ups and no FX fee on the Freelancer plan - Cons: No Apple Pay or Google Pay on virtual cards; Mixed reviews about verification and suspensions; Country list not published - Verdict: Useful for managing online business expenses, less so for everyday spending. - Sources: - Karta Personal Help: fees: https://intercom.help/karta-personal/en/articles/10511616-are-there-any-fees-for-using-karta-personal (Personal card payment and ATM fees, checked Oct 17, 2026) - cryptocards.so: Karta.io: https://www.cryptocards.so/ru/card/karta-card (Plans, fees, limits, reviews) ## Shakepay Visa Prepaid Card (Crypto Cards Guide score 5.0/10) URL: https://cryptocardsguide.xyz/cards/shakepay/ Last checked: 2026-10-17 Shakepay is a Montreal-based bitcoin app with a free Visa prepaid card for all 13 Canadian provinces and territories. It pays up to 1.5% back in bitcoin on every purchase, with no annual fee and no credit check, and works with Apple Pay and Google Pay. You fund it with Interac e-Transfer, and it spends Canadian dollars. Foreign-currency purchases carry a 3% fee, so it's a card for spending at home. - Best for: Canadians who want to stack bitcoin on everyday spending in CAD. - Skip if: You travel or shop in other currencies often; 3% FX wipes out the cashback. - Network: Visa - Card issuer: Not named on the card page (Visa prepaid program) - Custody: Custodial. Shakepay holds your CAD and bitcoin. - Card type: Prepaid - Forms: Virtual and physical - Card cost: Free - Annual fee: None - FX: 3% on purchases in foreign currencies - Conversion: The card spends CAD. Buying or selling bitcoin or ether includes a spread, typically 1% to 2%. - ATM: No Shakepay fee listed. Up to $500 per withdrawal and $1,000 a day. - Other fee: Interac e-Transfer deposits are free - Cashback: Up to 1.5% in bitcoin - Up to 1.5% back in bitcoin on purchases at eligible merchants worldwide - Settled automatically to your Shakepay bitcoin balance - Free daily ShakingSats rewards in the app - Top up: Interac e-Transfer from any Canadian bank; Sell bitcoin or ether in the app for CAD. Fees: Interac deposits free. Crypto sales include a spread. - Withdraw: Interac e-Transfer to your bank; Send bitcoin to your own wallet; ATM cash. Fees: No Shakepay withdrawal fee listed. Network fees on bitcoin sends. - Assets: CAD, bitcoin and ether. - Availability: All 13 Canadian provinces and territories. Outside Canada. - Limits: ATM: $500 per withdrawal, $1,000 a day - Perks: Daily ShakingSats bitcoin rewards; Bitcoin line of credit (separate product) - Pros: Up to 1.5% back in bitcoin with no annual fee; Built and regulated in Canada; Instant Interac funding - Cons: 3% FX fee; Canada only; Custodial - Verdict: A great Canadian everyday card for stacking bitcoin. Use something else for foreign currency. - Sources: - Shakepay Card: https://shakepay.com/card (Cashback, fees, provinces, checked Oct 17, 2026) - Savvy New Canadians: Shakepay Card review: https://www.savvynewcanadians.com/shakepay-card-review/ (3% FX fee, ATM limits) - cryptonoshi: Shakepay Card: https://cryptonoshi.com/product/shakepay-card/ (Card listing) ## 1inch Card (Crypto Cards Guide score 4.9/10) URL: https://cryptocardsguide.xyz/cards/1inch/ Last checked: 2026-10-17 The 1inch Card is a prepaid Mastercard for the UK and EEA, run by Crypto Life with Baanx and issued by Monavate. There's no monthly or annual fee and no FX markup on top of Mastercard's rate, but spending crypto through the card costs 2%. ATM cash costs €2.50 in the UK and €3 plus 1.5% elsewhere. Cashback is 1% to 2% depending on the coin you take it in. It isn't available in the US. - Best for: 1inch users in the UK and Europe who want a Mastercard that spends their tokens. - Skip if: You want low-cost crypto spending; 2% per purchase is expensive. - Network: Mastercard - Card issuer: Monavate (card program by Crypto Life and Baanx) - Custody: Hybrid. Funds move from your wallet to a Crypto Life account that the card spends. - Card type: Prepaid - Forms: Virtual and physical - Card cost: Shown in the app - Annual fee: None. No monthly fee. - FX: 0% markup. Mastercard's exchange rate applies. - Conversion: 2% on card spending funded with crypto. 1.75% for a manual crypto-to-fiat conversion. - ATM: €2.50 in the UK. €3 plus 1.5% outside the UK. - Other fee: EUR or GBP bank withdrawals from the Crypto Life account: about 3.5% - Cashback: 1% to 2% in crypto - 1% to 2% back depending on the reward coin: 1INCH, USDT, BTC or BXX - No published monthly cap - Top up: Crypto deposits: BTC, LTC, XRP and supported Ethereum and Solana assets, including 1INCH and USDT; EUR or GBP bank transfers into the Crypto Life account, depending on region. Fees: No fee for bank deposits. Network fees for crypto. - Withdraw: Crypto withdrawals from the Crypto Life account; EUR or GBP bank withdrawals; ATM cash. Fees: Bank withdrawals about 3.5%. ATM €2.50 (UK) or €3 plus 1.5%. - Assets: 1INCH, USDT, BTC, LTC, XRP, BXX and other supported tokens. - Availability: The UK and EEA. Not available in the US. The US and countries outside the UK and EEA. - Limits: Spending and ATM limits are set per account and shown in the app - Perks: Pick your cashback coin - Pros: No FX markup on Mastercard's rate; No monthly or annual fee; Cashback in 1INCH, USDT or BTC - Cons: 2% on every crypto-funded purchase; Expensive bank withdrawals; UK and EEA only - Verdict: Fine for 1inch fans in Europe who'll take rewards in crypto, but the 2% spend fee makes it a weak everyday card. - Sources: - 1inch Card: https://1inch.com/card (Issuer, program partners, supported coins, checked Oct 17, 2026) - 1inch Help: 1inch Card basic overview: https://help.1inch.com/en/articles/13127532-1inch-card-basic-overview (Availability) - cryptocard.guide: 1inch Card: https://cryptocard.guide/cards/oneinch-card (Crypto Life fee schedule, cashback range, checked Aug 31, 2026) ## Bitget Card (exchange) (Crypto Cards Guide score 4.9/10) URL: https://cryptocardsguide.xyz/cards/bitget-card/ Last checked: 2026-10-16 The Bitget Card is a custodial Visa debit card that spends USDT from your Bitget exchange account. It's offered in the EEA and selected Asia-Pacific countries. There's no annual fee and no Bitget FX markup, but every purchase carries a 0.9% transaction fee. Cashback is paid in BGB, from 0.5% with no BGB up to 8% if you hold 20,000+ BGB. This is a separate product from the Bitget Wallet Card. - Best for: Bitget traders in Europe or Asia-Pacific who already hold BGB. - Skip if: You don't hold BGB, or you want the lowest spending fees. - Network: Visa - Card issuer: A Bitget partner (not disclosed) - Custody: Custodial (your trading and card balance are the same pool on Bitget) - Card type: Debit - Forms: Virtual and physical - Card cost: Not listed - Annual fee: None - FX: No Bitget markup. Visa's spread applies. - Conversion: 0.9% on every purchase, domestic or foreign - ATM: $0.65 plus 2% per withdrawal - Other fee: Inactivity: $1 a month after 12 months without use - Cashback: 0.5% to 8% in BGB - Based on your 30-day average BGB: none 0.5%, 100+ BGB 1%, 1,000+ 2%, 5,000+ 4%, 20,000+ 8% - No cashback cap listed. Tiers may still be rolling out in some regions. - Top up: Spends directly from your Bitget USDT balance. Fees: No top-up step. The 0.9% transaction fee applies when you pay. - Withdraw: Withdraw from Bitget as usual; ATM cash withdrawals. Fees: ATM $0.65 plus 2%. - Assets: USDT. - Availability: The EEA and selected Asia-Pacific countries. Not available in the US, UK, Canada or Latin America. - Limits: Monthly spending from $50,000 (default) up to $3,000,000 for top VIPs - Perks: - Pros: No annual fee or Bitget FX markup; Up to 8% back for big BGB holders; High spending limits - Cons: 0.9% fee on every purchase; Good rates need BGB holdings; USDT only; Custodial - Verdict: Worth it for committed BGB holders. Everyone else pays more than they earn back. - Sources: - SpendNode: Bitget Card review: https://www.spendnode.io/crypto-cards/bitget-card/ (Fees, BGB cashback tiers, regions, limits, verified Aug 17, 2026) - GlobeNewswire (AAP): Bitget Card APAC launch: https://www.aap.com.au/aapreleases/globenewswire1001174250/ (APAC launch) ## Ledger CL Card (Crypto Cards Guide score 4.9/10) URL: https://cryptocardsguide.xyz/cards/ledger/ Last checked: 2026-10-16 The Ledger CL Card is a Visa debit card run by Baanx that you top up from your Ledger hardware wallet. There's no annual fee and it pays 1% back monthly in BTC or a stablecoin. Spending crypto costs 2%, FX costs 1.75% and ATM withdrawals cost €2.50 at home or €3 plus 1.5% abroad. Once moved to the card, funds are custodial. - Best for: Ledger owners who want to keep savings in cold storage and spend small amounts. - Skip if: You want low spending fees. - Network: Visa - Card issuer: Baanx (CL platform), with UAB Monavate as the EEA account provider - Custody: Custodial once moved to the card wallet. Long-term holdings stay on your Ledger. - Card type: Debit - Forms: Physical and virtual - Card cost: Not published - Annual fee: None - FX: 1.75% - Conversion: 2% on crypto-funded card spending. 1.75% for manual conversion in Ledger Live. - ATM: UK €2.50 flat. Abroad €3 plus 1.5%. - Other fee: Transfer out: 0.4% to 0.5% depending on asset - Cashback: 1% monthly - 1% back paid monthly in BTC or USDC (US), or BTC or USDT elsewhere - Top up: Send BTC, ETH, SOL, XRP, LTC, UNI, USDC, USDT, BXX or EURT from your Ledger; Fund with fiat to avoid the 2% crypto spending fee. Fees: Conversion and spending fees apply. - Withdraw: Transfer back out; ATM withdrawals. Fees: 0.4% to 0.5% transfer fee. ATM fees vary. - Assets: 10 assets including BTC, ETH, SOL, USDC and USDT. - Availability: The US, EEA, UK, Canada, Switzerland and parts of Latin America (Colombia, Mexico, Brazil). Sources give different country counts, so check in Ledger Live. - Limits: Not published - Perks: - Pros: Keep savings on your Ledger, move only what you spend; No annual fee; 1% back in BTC or stablecoins - Cons: 2% fee on crypto spending; 1.75% FX; Custodial once on the card - Verdict: Convenient for Ledger users who value cold storage, but expensive to spend from. - Sources: - SpendNode: Ledger CL card review: https://www.spendnode.io/crypto-cards/ledger/ (Fees, issuer, assets, countries, verified Oct 14, 2026) ## ZEN Card (Crypto Cards Guide score 4.8/10) URL: https://cryptocardsguide.xyz/cards/zen/ Last checked: 2026-10-17 ZEN is a Lithuanian e-money account with a Mastercard or Visa card. You can top up with USDT, BTC, ETH or USDC, which converts to euros for a 0.5% fee. The Free plan costs nothing and adds 0.5% on foreign currency (plus 0.4% at weekends); Gold costs €0.90 a month and cuts that to 0.2%, and Platinum (€6.90) removes it. ATM cash costs 1.5% on Free. Cashback comes from merchant offers in the app, not a flat rate. - Best for: Europeans who want a cheap travel card they can top up with crypto. - Skip if: You want to hold crypto in the card account or earn a flat cashback rate. - Network: Mastercard or Visa - Card issuer: UAB ZEN.COM (e-money institution supervised by the Bank of Lithuania) - Custody: Custodial e-money account. Crypto is converted to euros when you top up. - Card type: Prepaid debit - Forms: Virtual and physical - Card cost: Free plan: first virtual card free, physical card €10. Gold: first physical card free. Platinum: up to 2 physical and 3 virtual free. - Annual fee: Free €0. Gold €0.90 a month. Platinum €6.90 a month. - FX: Free 0.5%, Gold 0.2%, Platinum 0% over the Mastercard rate. 0.4% extra at weekends on Free, Gold and Platinum. - Conversion: Top-up in digital currency: 0.5% (USDT, BTC, ETH, USDC converted to EUR) - ATM: Free plan 1.5%. Gold free up to €200 a month, Platinum up to €800, then 1.5%. - Other fee: Top-up by debit or credit card: from 0.5% up to 4.5% on Free, depending on the card - Other fee: Dormant account fee: 1% a month (minimum €10) on closed accounts with a balance - Cashback: Merchant offers in the app - No flat cashback rate. ZEN shows partner offers in the app, with rates that change by merchant and country. - The Free plan gets 50% of each offer's rate. Gold and Platinum get the full rate. - Capped at €250 a day per partner - Top up: Crypto: USDT, BTC, ETH and USDC, converted to EUR; SEPA bank transfer; Debit or credit card, Apple Pay, Google Pay and local methods such as Bizum, BLIK and Multibanco. Fees: Crypto 0.5%. Card top-ups from 0.5% on Free. Local methods vary. - Withdraw: SEPA and SWIFT bank transfers; ATM cash. Fees: ATM 1.5% on Free. SWIFT from 0.1% plus €3. - Assets: EUR, PLN, GBP, USD and other fiat balances. USDT, BTC, ETH and USDC for top-ups only. - Availability: Mainly the EEA. ZEN publishes its full list of countries for personal accounts and card delivery in its help centre. The US and most countries outside Europe. - Limits: Card purchases: €10,000 a day by default, up to €30,000; ATM: €2,000 a day by default - Perks: Extended warranty on eligible purchases; Multi-currency accounts - Pros: 0% to 0.5% FX by plan; Crypto top-ups for 0.5%; Cheap Gold plan at €0.90 a month - Cons: Weekend FX surcharge of 0.4%; No flat cashback; Can't hold crypto in the account; Custodial e-money, not a bank - Verdict: A good low-FX travel card for Europe that you can fund with stablecoins. Pay for Gold rather than using Free. - Sources: - ZEN individual pricing (effective May 26, 2026): https://www.zen.com/files/pricing/individual_pricing.pdf (Plan prices, FX, card, ATM and top-up fees) - ZEN payment cards: https://www.zen.com/payment-cards/ (Card types) - ZEN: account top-ups: https://www.zen.com/blog/guides/zen-account-top-ups/ (Top-up methods) - cryptocard.guide: ZEN Card: https://cryptocard.guide/cards/zen-card (Cashback model and limits, checked Oct 7, 2026) ## Gate Card (Crypto Cards Guide score 4.7/10) URL: https://cryptocardsguide.xyz/cards/gate/ Last checked: 2026-10-16 The Gate Card is a custodial Visa Platinum debit card for 24 European countries. It's free to get, with no annual fee, and spends USDT, BTC, ETH or GT straight from your Gate spot balance. Every purchase costs 0.9% for conversion plus 0.4% on non-base currencies. Cashback is paid as points, from 1% (capped at 5 USDT a month) up to 8% for top VIP levels. - Best for: Active Gate traders in Europe with higher VIP levels. - Skip if: You're a casual user, since the base cashback is capped at 5 USDT a month. - Network: Visa - Card issuer: A third-party issuer (not named) - Custody: Custodial (spends from your Gate balance) - Card type: Debit - Forms: Virtual and physical - Card cost: Free for virtual and physical - Annual fee: None - FX: 0.4% on non-base-currency purchases - Conversion: 0.9% on every purchase - ATM: Not published - Cashback: 1% to 8% in points - T0 (VIP 0 to 4): 1%, capped at 5 USDT a month - Higher tiers by VIP level or monthly spend: 2% (100 USDT cap), 3% (150), 5% (250), 8% (400) - 100 points = 1 USDT. Points never expire. - Top up: Spends directly from your Gate spot balance. Fees: No top-up step. - Withdraw: Withdraw from Gate as usual. Fees: Gate's normal withdrawal fees apply. - Assets: USDT, BTC, ETH and GT. - Availability: 24 European countries, including EEA members plus Iceland, Liechtenstein and Norway. Not available in the US, UK or Canada. - Limits: Up to $500,000 a day - Perks: - Pros: Free to get, no annual fee; Spends straight from your exchange balance; Up to 8% for high VIP levels - Cons: 0.9% on every purchase; Base cashback capped at 5 USDT a month; Europe only, custodial - Verdict: Fine for Gate VIPs. For most people the 0.9% fee outweighs the rewards. - Sources: - SpendNode: Gate card review: https://www.spendnode.io/crypto-cards/gate-io/ (Fees, cashback tiers, countries, verified Oct 12, 2026) - Decrypt: Gate crypto card for EEA users: https://decrypt.co/294733/gate-crypto-card-promises-seamless-crypto-to-fiat-payments-for-eea-users (Launch) ## Solflare Card (Crypto Cards Guide score 4.7/10) URL: https://cryptocardsguide.xyz/cards/solflare/ Last checked: 2026-10-16 The Solflare Card is a self-custody Mastercard that spends USDC on Solana directly from your Solflare wallet. Listings show a 1% Solflare fee plus 0.4% to 0.7% FX, and no card cashback, though Solflare runs a separate USDC merchant cashback program. Solflare hasn't published a full fee schedule or country list. - Best for: Solflare users who want to spend USDC without moving it. - Skip if: You want cashback on card spending or published terms. - Network: Mastercard - Card issuer: Not stated - Custody: Self-custody (spends from your Solflare wallet) - Card type: Debit - Forms: Virtual and physical - Card cost: Not published - Annual fee: Not published - FX: 0.4% to 0.7% - Conversion: 1% Solflare fee - ATM: Not published - Cashback: No card cashback - No cashback on the card itself - Solflare runs a separate USDC cashback program at 4,000+ merchants - Top up: Hold USDC in your Solflare wallet on Solana. Fees: No top-up step. - Withdraw: Funds stay in your wallet. Fees: Solana network fees. - Assets: USDC on Solana. - Availability: Not published. Check the Solflare app. - Limits: Not published - Perks: Merchant cashback in USDC through Solflare - Pros: Self-custody, spend straight from your wallet; Cheap Solana network - Cons: 1% fee on every purchase; No card cashback; Terms and countries not published - Verdict: Convenient for Solflare users, but you pay 1% for the convenience. - Sources: - SpendNode: Solflare card paused after Kulipa wind-down: https://www.spendnode.io/blog/solflare-card-paused-issuer-kulipa-wind-down-july-2026/ (Pause on 28 July 2026) - cryptocards.so: Solflare: https://www.cryptocards.so/en/company/solflare (Network, fees, custody) - Solana Compass: Solflare merchant cashback: https://solanacompass.com/news/solflare-launches-merchant-cashback-earning-usdc-at-nike-best-buy-and-4000 (Merchant cashback program) ## CoinJar Card (Crypto Cards Guide score 4.5/10) URL: https://cryptocardsguide.xyz/cards/coinjar/ Last checked: 2026-10-16 The CoinJar Card is a Mastercard debit card from Australian exchange CoinJar. There's no card, monthly or annual fee. Each purchase carries a 1% fee that comes back to you as CoinJar Reward Points, foreign purchases add 2.99%, and ATM withdrawals cost 1%. Daily spending is capped at A$5,000. - Best for: Australians who already use CoinJar and spend in AUD. - Skip if: You travel abroad often, since foreign purchases cost an extra 2.99%. - Network: Mastercard - Card issuer: Not stated - Custody: Custodial (CoinJar account) - Card type: Debit - Forms: Digital and physical - Card cost: Free, including replacements - Annual fee: None. No monthly or inactivity fees. - FX: 2.99% on top of Mastercard's rate - Conversion: 1% per purchase, returned as CoinJar Reward Points - ATM: 1% (physical card), plus any operator fee - Other fee: Transaction dispute: A$27.50 - Cashback: Rewards points offset the 1% fee - The 1% purchase fee is returned as CoinJar Reward Points - Top up: Spend AUD or crypto from your CoinJar account; Deposit AUD by bank transfer. Fees: No top-up fee. - Withdraw: Withdraw AUD to your bank; ATM withdrawals. Fees: ATM 1%. - Assets: AUD and crypto on CoinJar. - Availability: Australia (fee schedule shown here). CoinJar also runs UK and EU card pages. Check coinjar.com for your country. - Limits: A$5,000 a day including up to A$1,000 in ATM withdrawals - Perks: - Pros: No card, monthly or annual fees; 1% purchase fee comes back as rewards points; Long-running, regulated Australian exchange - Cons: 2.99% foreign transaction fee; Points only offset the fee, so no real cashback; Low daily limit - Verdict: Fine for domestic spending from a trusted Australian exchange, but there are cheaper travel options. - Sources: - CoinJar Support: CoinJar Card fees and limits: https://support.coinjar.com/hc/en-au/articles/4403702613529-CoinJar-Card-fees-and-limits (Official fees and limits, updated Nov 26, 2025) - Finder: CoinJar card review: https://finder.com.au/cryptocurrency/crypto-debit-cards/coinjar-card-review (Review) ## Mercuryo Spend Card (Crypto Cards Guide score 4.5/10) URL: https://cryptocardsguide.xyz/cards/mercuryo/ Last checked: 2026-10-16 Mercuryo Spend is a free virtual Mastercard for EEA residents that you top up with any of about 40 cryptocurrencies. There's no issuance or monthly fee under fair use. Non-EUR spending adds 1% on top of Mastercard's rate, top-up fees vary and are shown in the app, and there's no ATM access or cashback. It also powers card versions inside Ledger and Nova wallets. - Best for: Europeans who want a simple card to spend crypto online and with their phone. - Skip if: You need cash or rewards. - Network: Mastercard - Card issuer: Quicko Sp. z o.o. (Polish payment institution), with Monetley Ltd as e-money provider - Custody: Not clearly documented - Card type: Debit - Forms: Virtual - Card cost: Free - Annual fee: No monthly fee under fair use - FX: 1% on non-EUR spending, plus Mastercard's rate - Conversion: Variable top-up fee, shown before you confirm - ATM: ATM withdrawals not supported - Other fee: Inactivity: €1 a month after 3 months - Other fee: Declined transaction: €0.30 - Cashback: No cashback - Mercuryo says rewards are coming - Top up: Top up with about 40 cryptocurrencies, including BTC, ETH and USDT. Fees: Variable, shown in the app. - Withdraw: Not designed for withdrawals. Fees: Not applicable. - Assets: About 40 cryptocurrencies. - Availability: EEA residents (about 30 countries). Not available in the US, UK or Canada. - Limits: €5,000 per transaction, €10,000 a day, €40,000 a month; Top-ups up to €2,500 each - Perks: Also available inside Ledger and Nova wallets - Pros: Free card; Top up from about 40 cryptocurrencies; Apple Pay and Google Pay - Cons: No ATM access; No cashback; Top-up fees vary; Custody not clearly documented - Verdict: A simple, free way to spend crypto in Europe, with no extras. - Sources: - CryptoCardHub: Mercuryo Spend card: https://www.cryptocardhub.com/card/mercuryo-spend-card (Issuer, fees, limits, countries) ## Phantom Cash Card (Crypto Cards Guide score 4.5/10) URL: https://cryptocardsguide.xyz/cards/phantom-cash/ Last checked: 2026-10-17 Phantom Cash adds a free virtual Visa debit card to the Phantom wallet that spends CASH, a USD stablecoin on Solana. It's for US residents only, except New York. US purchases are free, and Phantom shows any fee on international purchases before you confirm. There's no physical card, no ATM access and no cashback. Swapping USDC into Cash is free, other tokens cost 0.85%, and funding by debit card costs 1.75%. - Best for: Phantom wallet users in the US who want to spend stablecoins with Apple Pay or Google Pay. - Skip if: You live outside the US, need cash from ATMs or want rewards. - Network: Visa - Card issuer: Prepaid card program moving from Bridge to Stripe in October 2026 - Custody: Cash account in the Phantom app. Phantom itself is a self-custody wallet. - Card type: Prepaid debit - Forms: Virtual only - Card cost: Virtual card free - Annual fee: None listed - FX: Domestic US purchases free. International purchases may carry a fee, shown before you confirm. - Conversion: Free from USDC, USDT, USDG or PYUSD on Solana into Cash. 0.85% for other tokens. - ATM: Not available - Other fee: Add Cash with a debit card: 1.75%. Credit card: 3.5%. - Other fee: Direct deposit from a US bank: 0.3%. Domestic wire: 1%. - Other fee: Withdraw by standard ACH: free. Fast ACH: $1 plus 0.75%, minimum $1.50. - Cashback: No cashback - The current card program pays no purchase rewards - Top up: Swap USDC, USDT, USDG or PYUSD on Solana into Cash for free; Debit or credit card through Stripe, including Apple Pay and Google Pay; Direct deposit or domestic wire from a US bank. Fees: Stablecoin swaps free, other tokens 0.85%, debit card 1.75%, credit card 3.5%, direct deposit 0.3%, wire 1%. - Withdraw: Send CASH to a Phantom username or any Solana wallet; Standard or fast ACH to a US bank. Fees: Standard ACH free. Fast ACH $1 plus 0.75%. Solana setup cost for wallets that have never held CASH. - Assets: CASH, a USD stablecoin on Solana. USDC, USDT, USDG, PYUSD and other Solana tokens can be swapped in. - Availability: United States only, except New York. Phantom hasn't given a timeline for other regions. New York, and every country outside the US. - Limits: Daily card spending: $2,000, reviewed for $5,000 after 30 days of history; Money transfers such as funding Apple Cash: $500 a week - Perks: Send money by Phantom username; Spend the same balance you trade with in the wallet - Pros: Free virtual card and free US purchases; Built into a popular self-custody wallet; Free stablecoin swaps into Cash - Cons: US only, and not in New York; No physical card, ATM access or cashback; International purchase fee not published - Verdict: A handy free card if you already hold dollars in Phantom in the US. Nothing here beats a cashback card for everyday spending. - Sources: - Phantom Help: Cash fees: https://help.phantom.com/articles/44800531617939 (Card, funding, swap and withdrawal fees, checked Oct 17, 2026) - Phantom Help: the virtual Phantom debit card (US): https://help.phantom.com/articles/44800221533459 (Availability, limits, virtual only) - Phantom Help: replacement virtual card: https://help.phantom.com/articles/update-your-replacement-virtual-phantom-debit-card-us-56135715481619 (Bridge to Stripe migration, Oct 2026) - Phantom: Introducing Phantom Cash: https://phantom.com/learn/blog/introducing-phantom-cash (Launch, Sep 30, 2025) ## Pionex Card (Visa or Mastercard) (Crypto Cards Guide score 4.5/10) URL: https://cryptocardsguide.xyz/cards/pionex/ Last checked: 2026-10-17 The Pionex Card is a virtual Visa or Mastercard that spends USDT from your Pionex exchange account. There's no annual fee. The Visa version charges 1% on every purchase and pays 1% back in USDT, which Pionex calls a promotional subsidy that can change. The Mastercard version lists a transaction fee of up to 3.5% and 0.1% to 1% back. You need more than 100 USDT (Visa) or 10 USDT (Mastercard) in your account to apply. Physical cards are invite-only, with 2% ATM fees. - Best for: Pionex traders in Asia, Africa and the Middle East who want to spend USDT online. - Skip if: You want a card that's cheap without a promotion, or a physical card. - Network: Visa or Mastercard - Card issuer: Not named by Pionex - Custody: Custodial. USDT sits on the Pionex exchange. - Card type: Prepaid - Forms: Virtual. Physical Visa for invited users only. - Card cost: Free. Visa needs more than 100 USDT in your account to apply, Mastercard more than 10 USDT. - Annual fee: None - FX: No separate FX fee published. The card transaction fee applies to every purchase. - Conversion: Visa: 1% per transaction. Mastercard: up to 3.5% per transaction. - ATM: Physical Visa (invite-only): 2%. Not available on virtual cards. - Other fee: Failed payment fee of $0.50 in some cases - Cashback: Up to 1% in USDT - Visa: 1% back in USDT, described by Pionex as a promotional subsidy - Mastercard: 0.1% to 1% back in USDT - No published monthly cap - Top up: Move USDT from your Pionex account to the card balance; Deposit crypto to Pionex on its supported networks. Fees: No internal transfer fee. Network fees for deposits. - Withdraw: Move funds back to your Pionex account and withdraw crypto. Fees: Pionex withdrawal fees by network. - Assets: USDT. - Availability: Many countries outside the US. Pionex publishes an unsupported-country list, and Pionex.US is a separate company without this card. The US and the countries on Pionex's unsupported list. - Limits: Visa: $10,000 per transaction and per day, $50,000 a month; Mastercard: $20,000 per transaction and per day, $100,000 a month - Perks: Visa cards can be linked to PayPal - Pros: No annual fee; 1% USDT back on Visa roughly cancels the 1% fee; Works with Apple Pay and Google Pay - Cons: 1% to 3.5% fee on every purchase; Cashback is a promotion that can end; Physical cards are invite-only; Custodial exchange balance - Verdict: Fine for spending trading profits online while the 1% cashback lasts. Not a card to rely on long term. - Sources: - Pionex: How to apply for the Pionex Card: https://support.pionex.com/hc/en-us/articles/48709256696473-How-to-Apply-for-Pionex-Card-MasterCard (Application rules) - Penchan: Pionex Card review: https://penchan.co/cards/pk/pionex/ (Fees, cashback, physical card and ATM, 2026) - cryptocard.guide: Pionex Card: https://cryptocard.guide/cards/pionex-card (Visa and Mastercard fee schedules and limits, checked Aug 14, 2026) ## Coin98 Fusion Card (Crypto Cards Guide score 3.8/10) URL: https://cryptocardsguide.xyz/cards/coin98/ Last checked: 2026-10-17 The Coin98 Fusion Card is a virtual Visa linked to the Coin98 Super Wallet and issued through DCS, a Singapore card company. You pay a one-time $9 to issue it, then top up with USDT or USDC for a 1% fee. There's no monthly fee. Foreign-currency spending costs 1.7%, and ATM cash costs 1% or SGD 5, whichever is higher. It's for residents of nine Asia-Pacific markets and pays no cashback. - Best for: Coin98 wallet users in Asia-Pacific who want an easy way to spend stablecoins. - Skip if: You want rewards or low costs; fees stack up to about 2.7% on foreign spending. - Network: Visa - Card issuer: DCS Card Centre (DeCard), Singapore - Custody: Hybrid. Your wallet is self-custody, but the card spends a prefunded card balance. - Card type: Prepaid - Forms: Virtual - Card cost: $9 one-time issuance and activation - Annual fee: None - FX: 1.7% on foreign-currency purchases - Conversion: 1% top-up fee - ATM: 1% or SGD 5, whichever is higher, plus the ATM operator's fee - Cashback: No cashback - The card pays no purchase rewards - Top up: USDT or USDC from your Coin98 Super Wallet on supported chains such as Polygon, Ethereum, Solana and Base. Fees: 1% top-up fee plus network gas. - Withdraw: ATM cash. Fees: 1% or SGD 5 per ATM withdrawal. - Assets: USDT and USDC. - Availability: Residents of nine Asia-Pacific markets listed in the Coin98 app. Countries outside Coin98's Asia-Pacific list. - Limits: SGD 200,000 of card spending per rolling 12 months; ATM: SGD 10,000 a day and SGD 100,000 a month - Perks: - Pros: No monthly fee; Top up straight from a self-custody wallet; Apple Pay and Google Pay - Cons: $9 to issue and 1% on every top-up; 1.7% FX fee; No cashback - Verdict: Convenient for Coin98 users in Asia-Pacific, but other cards in the region cost less to use. - Sources: - Coin98 docs: Fusion Visa card: https://docs.coin98.com/products/physical-cards/fusion-card/visa-card.md (Issuance, top-up tokens, APAC availability, checked Oct 17, 2026) - Coin98 docs: DCS Coin98 Fusion Card terms: https://docs.coin98.com/legal/coin98-super-wallet/dcs-coin98-fusion-card-terms-and-conditions.md (Fees and limits) - DCS: DeCard and Coin98 launch the Fusion Card: https://dcsfintech.com/newsroom/decard_and_coin98_partner_to_launch_coin98_fusion_card_bringing_real_world_utility_to_web3_assets (Launch) - cryptocard.guide: Coin98 Fusion Card: https://cryptocard.guide/cards/coin98-fusion-card (Fee schedule summary, checked Aug 5, 2026) ## Karta Visa Credit Card (Crypto Cards Guide score 3.5/10) URL: https://cryptocardsguide.xyz/cards/karta/ Last checked: 2026-10-16 Karta is a US Visa credit card issued by Third National that's funded with crypto. It costs $300 a year, charges no foreign transaction fee, and includes airport lounge access and concierge. ATM cash costs $5 or 3%, whichever is greater, and a metal companion card is $150. Karta doesn't publish a cashback rate. - Best for: US travellers who want lounge access on a crypto-funded card. - Skip if: You want cashback or don't live in the US. - Network: Visa - Card issuer: Third National - Custody: Not disclosed - Card type: Credit card - Forms: Virtual and physical - Card cost: Not listed. Metal companion card $150, plastic companions free (up to 5). - Annual fee: $300 a year - FX: 0% foreign transaction fee - Conversion: Not listed - ATM: $5 or 3%, whichever is greater, plus operator fees - Other fee: Cash advance: 3% - Other fee: Late payment: $40 or 2.99% of balance, whichever is higher - Cashback: Not published - Karta doesn't publish a cashback rate - Top up: Fund or repay with crypto in the Karta app. Fees: Not listed. - Withdraw: ATM cash advances. Fees: $5 or 3%. - Assets: Not publicly listed. - Availability: United States only. Not available outside the US. - Limits: Not published - Perks: Airport lounge access; Concierge - Pros: No foreign transaction fee; Lounge access and concierge - Cons: $300 a year; No published cashback; Expensive cash advances; US only - Verdict: A travel-perks card for US crypto users. Hard to justify $300 without published rewards. - Sources: - DefiLlama card details: Karta: https://defillama.com/protocol/card-details/karta-card (Fees, issuer, perks, verified Sep 18, 2026)