# Crypto Cards Guide

> Compare crypto debit and credit cards by real fees, cashback, top-up and withdrawal options, and where they work. Every number is checked against the issuer's own docs and linked to its source.

Crypto Cards Guide compares crypto debit and credit cards and is a project of CryptosBeginner (https://cryptosbeginner.com/), an independent crypto education hub for beginners. Every fee on the site links to the issuer document or tracker it came from. Data last checked 17 October 2026. Data is free to reuse under CC BY 4.0 with credit to Crypto Cards Guide.

## Card reviews

- [Solid Card review](https://cryptocardsguide.xyz/cards/solid/): 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.
- [Bleap Mastercard review](https://cryptocardsguide.xyz/cards/bleap/): 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.
- [COCA Visa Card review](https://cryptocardsguide.xyz/cards/coca/): 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.
- [ether.fi Cash Card review](https://cryptocardsguide.xyz/cards/ether-fi/): 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.
- [Plasma One Visa Card review](https://cryptocardsguide.xyz/cards/plasma-one/): 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.
- [KAST Card review](https://cryptocardsguide.xyz/cards/kast/): 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%.
- [Ethena Pay Card review](https://cryptocardsguide.xyz/cards/ethena-pay/): 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%.
- [Krak Card by Kraken review](https://cryptocardsguide.xyz/cards/kraken/): 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.
- [MetaMask Card review](https://cryptocardsguide.xyz/cards/metamask/): 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.
- [Wirex One Card review](https://cryptocardsguide.xyz/cards/wirex/): 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.
- [Tria Card review](https://cryptocardsguide.xyz/cards/tria/): 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.
- [Bitget Wallet Card review](https://cryptocardsguide.xyz/cards/bitget-wallet/): 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.
- [Rebind Visa Card review](https://cryptocardsguide.xyz/cards/rebind/): 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.
- [Gemini Credit Card review](https://cryptocardsguide.xyz/cards/gemini/): 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.
- [Slash Platinum Card review](https://cryptocardsguide.xyz/cards/slash/): 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.
- [Uphold Debit Card review](https://cryptocardsguide.xyz/cards/uphold/): 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.
- [Avici Card review](https://cryptocardsguide.xyz/cards/avici/): 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.
- [Fuse Card review](https://cryptocardsguide.xyz/cards/fuse/): 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.
- [Jupiter Card review](https://cryptocardsguide.xyz/cards/jupiter/): 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.
- [Rizon Card review](https://cryptocardsguide.xyz/cards/rizon/): 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.
- [Bybit Card review](https://cryptocardsguide.xyz/cards/bybit/): 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.
- [Crypto.com Prepaid Visa Card review](https://cryptocardsguide.xyz/cards/crypto-com/): 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.
- [OKX Card (Europe) review](https://cryptocardsguide.xyz/cards/okx/): 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.
- [Coinbase Card and Coinbase One Card review](https://cryptocardsguide.xyz/cards/coinbase/): 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.
- [RedotPay Card review](https://cryptocardsguide.xyz/cards/redotpay/): 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.
- [Tangem Pay Card review](https://cryptocardsguide.xyz/cards/tangem/): 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.
- [Tuyo Card review](https://cryptocardsguide.xyz/cards/tuyo/): 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.
- [Bitpanda Card review](https://cryptocardsguide.xyz/cards/bitpanda/): 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.
- [Oobit Card review](https://cryptocardsguide.xyz/cards/oobit/): 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.
- [Binance Card review](https://cryptocardsguide.xyz/cards/binance/): 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.
- [Deblock Card review](https://cryptocardsguide.xyz/cards/deblock/): 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.
- [Exa Card review](https://cryptocardsguide.xyz/cards/exa/): 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.
- [Kolo Visa Card review](https://cryptocardsguide.xyz/cards/kolo/): 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.
- [Wealthsimple Chequing Card review](https://cryptocardsguide.xyz/cards/wealthsimple/): 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.
- [SwissBorg Card review](https://cryptocardsguide.xyz/cards/swissborg/): 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.
- [VaultLeap Card review](https://cryptocardsguide.xyz/cards/vaultleap/): 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.
- [Holyheld Card review](https://cryptocardsguide.xyz/cards/holyheld/): 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.
- [Nexo Card review](https://cryptocardsguide.xyz/cards/nexo/): 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.
- [Xapo Bank Card review](https://cryptocardsguide.xyz/cards/xapo/): 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.
- [BitMart Card review](https://cryptocardsguide.xyz/cards/bitmart/): 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.
- [KuCard by KuCoin review](https://cryptocardsguide.xyz/cards/kucoin/): 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.
- [SafePal Card review](https://cryptocardsguide.xyz/cards/safepal/): 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.
- [Solayer Emerald Card review](https://cryptocardsguide.xyz/cards/solayer/): 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.
- [Gnosis Pay Visa Card review](https://cryptocardsguide.xyz/cards/gnosis-pay/): 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.
- [Hyperbeat Card review](https://cryptocardsguide.xyz/cards/hyperbeat/): 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%.
- [MEXC Global Card review](https://cryptocardsguide.xyz/cards/mexc/): 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.
- [Revolut crypto card review](https://cryptocardsguide.xyz/cards/revolut/): 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.
- [Bit2Me Card review](https://cryptocardsguide.xyz/cards/bit2me/): 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.
- [Bitunix Card review](https://cryptocardsguide.xyz/cards/bitunix/): 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.
- [Fold Bitcoin Rewards Credit Card review](https://cryptocardsguide.xyz/cards/fold/): 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.
- [Plutus Visa Card review](https://cryptocardsguide.xyz/cards/plutus/): 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.
- [ARQ Card review](https://cryptocardsguide.xyz/cards/arq/): 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).
- [Avalanche Card review](https://cryptocardsguide.xyz/cards/avalanche-card/): 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.
- [Payy Card review](https://cryptocardsguide.xyz/cards/payy/): 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.
- [Brighty Card review](https://cryptocardsguide.xyz/cards/brighty/): 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).
- [Karta.io Virtual Visa review](https://cryptocardsguide.xyz/cards/karta-io/): 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.
- [Shakepay Visa Prepaid Card review](https://cryptocardsguide.xyz/cards/shakepay/): 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.
- [1inch Card review](https://cryptocardsguide.xyz/cards/1inch/): 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.
- [Bitget Card (exchange) review](https://cryptocardsguide.xyz/cards/bitget-card/): 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.
- [Ledger CL Card review](https://cryptocardsguide.xyz/cards/ledger/): 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.
- [ZEN Card review](https://cryptocardsguide.xyz/cards/zen/): 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.
- [Gate Card review](https://cryptocardsguide.xyz/cards/gate/): 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.
- [Solflare Card review](https://cryptocardsguide.xyz/cards/solflare/): 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.
- [CoinJar Card review](https://cryptocardsguide.xyz/cards/coinjar/): 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.
- [Mercuryo Spend Card review](https://cryptocardsguide.xyz/cards/mercuryo/): 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.
- [Phantom Cash Card review](https://cryptocardsguide.xyz/cards/phantom-cash/): 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%.
- [Pionex Card (Visa or Mastercard) review](https://cryptocardsguide.xyz/cards/pionex/): 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.
- [Coin98 Fusion Card review](https://cryptocardsguide.xyz/cards/coin98/): 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.
- [Karta Visa Credit Card review](https://cryptocardsguide.xyz/cards/karta/): 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.

## Comparisons and best picks

- [Compare all crypto cards](https://cryptocardsguide.xyz/cards/): filter by region, custody, cashback and FX.
- [Crypto card cost calculator](https://cryptocardsguide.xyz/calculator/): first-year and ongoing cost of every card for your spending, FX share, funding asset, ATM use and physical card choice.
- [Card and shipping costs](https://cryptocardsguide.xyz/card-costs/): virtual card, physical card and shipping prices for every card.
- [Compare cards side by side](https://cryptocardsguide.xyz/compare/): pick any two or three cards and compare every fee in one table.
- [Crypto card statistics](https://cryptocardsguide.xyz/stats/): Of the 68 crypto cards we track that are open to new users (as of 17 October 2026), 31% are self-custody, 88% have no annual fee and 56% pay a published cashback rate on their entry tier. The median FX markup is 1%, the median entry-tier cashback among cards that pay it is 1%, and a $200 ATM withdrawal costs a median $2.30 in card fees. 42 cards run on Visa and 17 on Mastercard.
- [Crypto card news](https://cryptocardsguide.xyz/news/): dated fee changes, launches, shutdowns and security incidents.
- [Crypto card glossary](https://cryptocardsguide.xyz/glossary/): 34 terms explained.
- [Best crypto cards for cashback in 2026](https://cryptocardsguide.xyz/best/best-crypto-cashback-cards/): For cashback, ether.fi Cash is the strongest proven option at 3% on its free tier (on up to $2,000 a month). Bleap pays 1% to 3% in USDC by category with no fees. Ethena Pay pays 4% in AVAX on its free tier but only launched in September 2026. In the US, the Gemini Credit Card and Coinbase One Card pay up to 4% in crypto, and Uphold pays 2% to 4% in XRP.
- [Best self-custody crypto cards in 2026](https://cryptocardsguide.xyz/best/best-self-custody-crypto-cards/): The best self-custody crypto cards are ether.fi Cash for cashback and borrowing, Bleap and COCA for Europeans who want low fees, Avici for the lowest costs, and the MetaMask Card for spending straight from your wallet in the US. Tuyo and Payy cover the most countries.
- [Best crypto cards for travel and low FX fees in 2026](https://cryptocardsguide.xyz/best/best-crypto-cards-for-travel/): For travel, the Krak Card by Kraken charges no FX, transaction or Kraken ATM fees in the UK and Europe. COCA and Bleap add no FX markup and include free ATM allowances. Avici adds no FX markup worldwide, and its $20-a-year Signature tier includes free ATM use and lounge access. In the US, the Gemini Credit Card has no foreign transaction fee.
- [Best crypto cards in the USA in 2026](https://cryptocardsguide.xyz/best/best-crypto-cards-usa/): The best crypto cards for US residents are the Gemini Credit Card (up to 4% in crypto, no annual fee), the Coinbase One Card (2% to 4% in bitcoin with a membership), the Fold credit card (1.5% to 5% in bitcoin), Uphold (2% to 4% in XRP) and the MetaMask Card for self-custody spending. Many popular crypto cards, including Bybit, Ethena Pay and RedotPay, don't serve the US.
- [Best crypto cards in Europe and the UK in 2026](https://cryptocardsguide.xyz/best/best-crypto-cards-europe/): In Europe, Bleap is the best self-custody card for everyday spending, with no FX fee and USDC cashback. The Krak Card by Kraken has no FX or ATM fees and works in the UK. COCA adds a personal IBAN to self-custody, and Deblock pairs a French current account with a self-custody wallet. Among exchange cards, OKX and Bybit have the lowest FX, and Bitpanda lets you spend crypto, metals or euros.
- [Best crypto exchange cards in 2026](https://cryptocardsguide.xyz/best/best-exchange-crypto-cards/): The best exchange card depends on where you live. In the UK and Europe, the Krak Card by Kraken has no FX or ATM fees, and the OKX Card charges just a 0.1% spread. In the US, the Coinbase One Card pays 2% to 4% in bitcoin. Bybit offers up to 10% for high VIP levels. Most exchange cards charge 0.9% to convert crypto when you pay, so spend stablecoins or cash where you can.
- [Best crypto credit cards in 2026](https://cryptocardsguide.xyz/best/best-crypto-credit-cards/): The best crypto credit cards are the Gemini Credit Card (up to 4% in crypto, no annual fee), the Coinbase One Card (2% to 4% in bitcoin) and the Fold card (1.5% to 5% in bitcoin), all in the US. Outside the US, ether.fi Cash and Nexo let you spend by borrowing against your crypto, and Avici is a secured credit card backed by your own USDC.
- [Best crypto cards in Latin America in 2026](https://cryptocardsguide.xyz/best/best-crypto-cards-latin-america/): In Latin America, KAST is the standout right now: it charges no FX fee on purchases in 16 Latin American currencies until the end of 2027 and pays 1.5% back. Solid pays 3% in USDC with no fee, and Fuse has no card or FX fees at all (iPhone only). ARQ, formerly DolarApp, is the easiest dollar account with a card in Mexico, Colombia, Argentina and Brazil. RedotPay covers almost every country and supports local P2P top-ups.
- [Best crypto cards in Asia-Pacific in 2026](https://cryptocardsguide.xyz/best/best-crypto-cards-asia-pacific/): Across Asia-Pacific, Solid and ether.fi Cash pay 3% back with self-custody if your country is supported. KAST and RedotPay cover the widest range of Asian countries. Wirex is a strong choice in Australia and Singapore with no FX markup and free ATM cash up to a monthly allowance. Jupiter's card is issued locally in parts of Asia but charges 1.8% FX there, and Coin98 Fusion is an easy option for Coin98 wallet users.
- [Best crypto cards in Africa in 2026](https://cryptocardsguide.xyz/best/best-crypto-cards-africa/): For African users, KAST, RedotPay and Kolo have the widest coverage and let you top up with USDT on TRON, which keeps network fees low. Solid pays 3% back in USDC with no card fee. Fuse is fee-free in Ghana and Nigeria on iPhone, and Exa covers Nigeria, Kenya, Ghana, Morocco and Côte d'Ivoire. Watch the FX fee: every purchase in naira, shillings or cedis is converted from dollars.
- [Best crypto cards in the Middle East in 2026](https://cryptocardsguide.xyz/best/best-crypto-cards-middle-east/): In the Middle East, Solid and ether.fi Cash pay 3% back with self-custody if your country is supported, and Ethena Pay pays 4% in AVAX on your first $2,500 a month. KAST, RedotPay and Kolo cover the widest range of countries. Crypto.com serves Bahrain and other markets with its own regulated programs, and Avici supports the UAE with no FX markup.
- [Best crypto cards in Canada in 2026](https://cryptocardsguide.xyz/best/best-crypto-cards-canada/): For most Canadians, Wealthsimple's prepaid Visa is the best everyday choice: no FX or ATM fees and 1% back that you can invest in crypto. Shakepay pays up to 1.5% back in bitcoin and funds instantly by Interac, but charges 3% on foreign currency. If you want to spend crypto directly, the MetaMask Card and Crypto.com both serve Canada, and RedotPay works too.
- [Best free crypto cards in 2026 (no annual fee)](https://cryptocardsguide.xyz/best/best-free-crypto-cards/): The best free crypto cards are Solid (3% back in USDC, no card or USD spending fees), ether.fi Cash (3% back on up to $2,000 a month), KAST (1.5% back plus bank accounts) and Plasma One Lite (2% back). For zero fees of any kind, Fuse and Rebind charge nothing to issue, top up or spend abroad, though neither pays cashback. Bleap is the free pick in Europe with no FX or conversion fee.
- [Best crypto cards for ATM withdrawals in 2026](https://cryptocardsguide.xyz/best/best-crypto-cards-for-atm-withdrawals/): For cash, the Krak Card charges nothing of its own at ATMs, and Wealthsimple has no ATM fee and refunds Canadian ATM charges up to $5. Bleap gives €400 of free withdrawals a month in Europe, and COCA $250. Kolo, Avici, Exa and Jupiter charge a low $1 plus 0.65%, so $200 costs about $2.30. Avoid cards with a $5 minimum or 4% fee if you take out small amounts often.
- [RedotPay vs KAST](https://cryptocardsguide.xyz/compare/redotpay-vs-kast/): Choose RedotPay if you need a card that works in almost any country and you want P2P funding with local payment methods. Choose KAST if you want 1.5% cashback, US account numbers and an EU IBAN, and you spend mostly in USD. KAST charges 0.5% to 1.75% on non-USD spending (0% on Latin American currencies until the end of 2027), while RedotPay charges 1.2% FX plus 1% conversion and $100 for a physical card.
- [MetaMask Card vs Gnosis Pay](https://cryptocardsguide.xyz/compare/metamask-vs-gnosis-pay/): Pick the MetaMask Card. Gnosis Pay stopped new card sign-ups and ended GNO cashback on 30 September 2026, and its cards are being wound down by the end of 2026 in favour of partner apps such as Rebind. If you already have a Gnosis Pay card it keeps working for now, but plan your move. MetaMask's free card is self-custody too, works in the US and Europe, and has a 1% cross-border fee.
- [ether.fi Cash vs MetaMask Card](https://cryptocardsguide.xyz/compare/ether-fi-vs-metamask/): ether.fi Cash pays more: 3% on its free tier versus about 1% on the free MetaMask Card. MetaMask is simpler, has no card fee for the virtual card and charges nothing extra when you spend stablecoins in your local currency. ether.fi also lets you borrow against your assets, which adds interest and liquidation risk.
- [Crypto.com Visa Card vs Nexo Card](https://cryptocardsguide.xyz/compare/crypto-com-vs-nexo/): Both are custodial cards from big crypto platforms. Crypto.com is available in more regions (US, Canada, UK, EEA, Asia-Pacific) and pays up to 4.5% in CRO on prepaid cards, but top rates need a Level Up subscription or CRO lockup. Nexo is mainly for Europe, has very low FX on European currencies and a Credit Mode, but pays cashback only in Credit Mode with a $5,000+ portfolio.
- [ether.fi Cash vs Ethena Pay](https://cryptocardsguide.xyz/compare/ether-fi-vs-ethena-pay/): Both are self-custody cards with strong free-tier cashback. Ethena Pay pays more on paper, 4% in AVAX on the first $2,500 a month plus yield on balances, but it only launched in September 2026 and isn't in the US or EU. ether.fi Cash pays 3% on the first $2,000 a month, has a longer track record and lets you borrow against your crypto.
- [Coinbase Card vs Crypto.com Visa Card](https://cryptocardsguide.xyz/compare/coinbase-vs-crypto-com/): Both are custodial cards from major exchanges with rewards tied to a paid plan. In the US, the Coinbase One Card pays 2% to 4% in bitcoin with a Coinbase One membership from $49.99 a year. Crypto.com pays up to 4.5% in CRO on prepaid cards (up to 6% on its US credit card) with Level Up plans from $4.99 a month or a CRO lockup. Crypto.com is available in more countries.
- [Gemini Credit Card vs Coinbase Card](https://cryptocardsguide.xyz/compare/gemini-vs-coinbase/): Both are US credit cards that pay crypto rewards. The Gemini Credit Card has no annual fee and pays up to 4% in categories like gas and transit, 3% on dining and 1% on everything else, in your choice of 50+ cryptos. The Coinbase One Card pays 2% to 4% in bitcoin on everything, but needs a Coinbase One membership from $49.99 a year.
- [Krak Card vs Bybit Card](https://cryptocardsguide.xyz/compare/kraken-vs-bybit/): Both are exchange cards for Europe. The Krak Card by Kraken has no FX, transaction or Kraken ATM fees and pays up to 2% based on your average balance, and it also works in the UK. The Bybit Card charges 0.5% FX and 0.9% to convert crypto, but pays up to 10% for high VIP levels. Bybit isn't available in the UK.
- [Bleap vs Gnosis Pay](https://cryptocardsguide.xyz/compare/bleap-vs-gnosis-pay/): Pick Bleap. Both are self-custody cards for Europe, but Gnosis Pay stopped new sign-ups and ended its GNO cashback on 30 September 2026, and its own cards are being wound down by the end of 2026. Bleap is free, adds no FX or conversion fee, gives €400 a month of free ATM use and pays category cashback in USDC.
- [Solid vs ether.fi Cash](https://cryptocardsguide.xyz/compare/solid-vs-ether-fi/): Both pay 3% back on a free, self-custody tier. ether.fi Cash pays on up to $2,000 a month ($60 of cashback) and offers a $60 physical card and a borrow mode. Solid caps its 3% at $50 a month (about $1,667 of spending), is virtual only with no ATM access, and makes USD spending completely free. Both charge about 1.5% on other currencies.
- [KAST vs Solid](https://cryptocardsguide.xyz/compare/kast-vs-solid/): Solid pays more cashback (3% versus 1.5% on the free tiers) and keeps your money in self-custody, but it's virtual only and caps rewards at $50 a month. KAST is a fuller account: US and EU bank details, payouts to dozens of local currencies, a physical card and ATM access, with 0% FX on 16 Latin American currencies until the end of 2027.
- [Tangem Pay vs Ledger CL Card](https://cryptocardsguide.xyz/compare/tangem-vs-ledger/): Tangem Pay is the cheaper card: a free Basic plan, no Tangem fee on purchases and 1% back in USDC (capped at $100 a month, on purchases of $30 or more). The Ledger CL Card charges 2% when you spend crypto, plus FX, and pays 1% back. Tangem's ATM fee is high at 4% on Basic, while Ledger's is €2.50 in the UK or €3 plus 1.5% elsewhere.
- [Wealthsimple vs Shakepay](https://cryptocardsguide.xyz/compare/wealthsimple-vs-shakepay/): For most Canadians, Wealthsimple is the better everyday card: no FX fee, no ATM fee and 1% back that you can invest in crypto. Shakepay pays more on home spending, up to 1.5% in bitcoin, and funds instantly by Interac, but charges 3% on foreign currency.
- [Fuse vs Phantom Cash](https://cryptocardsguide.xyz/compare/fuse-vs-phantom-cash/): Both are free virtual Visa cards from Solana wallets with a $2,000 daily limit and no cashback. Fuse charges no fees even abroad and covers the US (except New York and Alaska), 14 Latin American countries, Ghana and Nigeria, but only on iPhone. Phantom Cash is US only (not New York) and works on iPhone and Android; US purchases are free, and any international fee is shown before you pay.
- [ARQ (DolarApp) vs KAST](https://cryptocardsguide.xyz/compare/arq-vs-kast/): ARQ (formerly DolarApp) is built for Mexico, Colombia, Argentina and Brazil, with free local transfers, a free virtual card and 1% ATM fees, but it charges 3 USDc per deposit from abroad and pays cashback only on paid plans. KAST works in far more countries, pays 1.5% back for free and charges no FX on Latin American currencies until the end of 2027, but its ATM fee is $3 plus 2%.
- [Rebind vs Gnosis Pay](https://cryptocardsguide.xyz/compare/rebind-vs-gnosis-pay/): Rebind is the one you can sign up for. Gnosis Pay stopped new card sign-ups on 30 September 2026 and is winding down its own cards, and it points users to partner apps like Rebind. Rebind runs on Gnosis Pay's rails, offers a free virtual Visa with no FX fee and pays up to 5% on your euros.
- [Revolut vs Crypto.com Visa Card](https://cryptocardsguide.xyz/compare/revolut-vs-crypto-com/): Revolut is the easier pick if you already bank with it in the UK or EEA: you can pay straight from your crypto balance with no exchange fee, says Revolut, though plan-based fair usage fees can apply. It pays no crypto cashback. Crypto.com's card pays CRO rewards on paid tiers or with CRO staked, and it's available in more regions, including the US and Canada.
- [Kolo vs RedotPay](https://cryptocardsguide.xyz/compare/kolo-vs-redotpay/): Both are custodial stablecoin cards that work in most countries. Kolo has a cheaper start (10 USDC activation, credited back), cheap $1 plus 0.65% ATMs and 1% back in BTC, but charges 1% on every payment and 2% on foreign currency. RedotPay charges $10 for a virtual card and $100 for a physical one, 1.2% FX plus 1% conversion, and 2% at ATMs, but covers even more countries and supports P2P top-ups.
- [Solid vs Plasma One](https://cryptocardsguide.xyz/compare/solid-vs-plasma-one/): Solid pays more on the free tier: 3% in USDC (up to $50 a month) against 2% in XPL on Plasma One Lite. Solid's rewards are in a stablecoin, while Plasma One's are in its own token, which can move in price. Plasma One adds bank deposits and withdrawals in several currencies and a physical card option.

## Guides

- [How crypto cards work, from your wallet to the shop's till](https://cryptocardsguide.xyz/guides/how-crypto-cards-work/): A crypto card is a normal Visa or Mastercard issued by a regulated company. When you pay, the shop gets ordinary money (dollars, euros or pesos), and the card company covers that payment by taking crypto or stablecoins from your balance. The differences between cards come down to three things: where your crypto sits before you pay (your own wallet, the company's account, or locked as collateral), when it gets converted (when you top up or when you pay), and who issues the card.
- [How to choose a crypto card in 2026, a 5-step checklist](https://cryptocardsguide.xyz/guides/how-to-choose-a-crypto-card/): Start with where you live, because availability rules out most cards. Then match the card to how you spend: low FX if you travel or live outside the US, high cashback if you spend at home. Decide between self-custody and custodial, check how you'll get money in and out, and only then compare rewards. Read the fee page in the app before you load money.
- [Crypto card fees explained, from FX markups to ATM charges](https://cryptocardsguide.xyz/guides/crypto-card-fees-explained/): A crypto card's real cost is mostly FX markup, crypto conversion and ATM fees, not the card price. On a $100 purchase in a foreign currency, cards on Crypto Cards Guide range from about $0 extra (Bleap, Krak, Platinum-tier Plasma One) to $2 or more (RedotPay, Nexo outside European currencies), before the card network's own exchange rate. Check those three fees first, then look at cashback.
- [Crypto card cashback explained, and the traps behind big numbers](https://cryptocardsguide.xyz/guides/crypto-card-cashback-explained/): Crypto card cashback is usually capped, tiered or paid in a token, so the headline rate rarely matches what you earn. Check four things: the monthly cap (Solid's 3% stops at $50 a month), what the reward is paid in (a stablecoin is safer than the card's own token), what you must hold or pay to unlock it, and whether fees on the same purchase cancel it out. A plain 1% to 3% in USDC with a fair cap usually beats a 10% headline.
- [Self-custody vs custodial crypto cards, and which one you should use](https://cryptocardsguide.xyz/guides/self-custody-vs-custodial-crypto-cards/): A self-custody crypto card spends from a wallet you control, so no company holds your balance before you pay. A custodial card spends from an account the company holds for you. Self-custody (MetaMask Card, Bleap, ether.fi Cash, Avici, Plasma One) lowers your exposure if the company fails. Custodial cards (RedotPay, Coinbase, Crypto.com, Bybit, Nexo, Kolo) are often easier to fund and recover if you lose your phone.
- [Are crypto cards safe? The real risks in 2026 and how to protect yourself](https://cryptocardsguide.xyz/guides/are-crypto-cards-safe/): Crypto cards are reasonably safe for spending money, but not for savings. The real risks in 2026 were card programs shutting down (Solflare, Cypher, Gnosis Pay's own card), a smart contract exploit at card infrastructure provider Rain that hit Avici and Tria users (who were repaid), and custodial apps freezing accounts. Keep only a few weeks of spending on any card, prefer self-custody or named, regulated issuers, and spread larger amounts across providers.
- [Crypto card issuers explained, and why the company behind your card matters](https://cryptocardsguide.xyz/guides/crypto-card-issuers-explained/): Every crypto card is legally issued by a regulated bank or e-money institution, not by the crypto app. A handful of issuers sit behind most cards: Third National (often with Rain) for many stablecoin cards, Lead Bank (with Bridge or Stripe) in the US, Monavate and Transact Payments in Europe, and DCS in Asia-Pacific. When an issuer or program partner changes or shuts down, cards can stop working even if the app is fine, as Solflare and Gnosis Pay users found in 2026.
- [What is a crypto neobank, and do you need one?](https://cryptocardsguide.xyz/guides/what-is-a-crypto-neobank/): A crypto neobank is an app that gives you account details for receiving money (like a US account number or a euro IBAN), a stablecoin or crypto balance, and a debit card, all in one place. KAST, ARQ, Rebind, Brighty, Plasma One and Deblock are examples, and big neobanks like Revolut now let you spend crypto too. They're useful if you get paid in dollars or stablecoins, but most aren't banks, so your balance usually isn't covered by deposit insurance.
- [How to top up a crypto card with USDT or USDC without losing money](https://cryptocardsguide.xyz/guides/how-to-top-up-a-crypto-card-with-usdt/): To top up a crypto card with USDT or USDC, open the card app's deposit screen, choose a coin and network the card supports, copy that exact address, and send from your exchange or wallet on the same network. Cheap networks like TRON, Solana, Polygon, Base and Arbitrum usually cost cents, while Ethereum can cost dollars. Sending a coin or network the card doesn't list can lose your money for good, so send a small test first.

## Recent updates

- 16 October 2026: [Tuyo adds ATM withdrawals and raises daily card limits](https://cryptocardsguide.xyz/news/#tuyo-adds-atm-withdrawals-and-raises-daily-card-limits). Tuyo's current card guide describes Visa ATM withdrawals of up to $250 each (including the ATM's surcharge), with three attempts allowed per rolling 24 hours. New cards start with a $50,000 daily limit that can rise to $200,000 with spending. Non-USD purchases still cost 1%, plus 1% when you pay outside the US.
- 13 October 2026: [Fold drops to no annual fee and ties higher rewards to Fold Reserve](https://cryptocardsguide.xyz/news/#fold-drops-to-no-annual-fee-and-ties-higher-rewards-to-fold-reserve). Fold's pricing page lists no annual fee on the Fold Bitcoin Credit Card and 1.5% back in bitcoin with no cap. Higher rates now depend on a Fold Reserve balance from $5,000, reaching 5% on the first $5,000 of monthly spend with $100,000 in Reserve. Fold also introduced a Spending Account provided by Lead Bank. Reserve is not an FDIC-insured deposit.
- 12 October 2026: [KAST updates its fees: lower FX, higher ATM limits](https://cryptocardsguide.xyz/news/#kast-updates-its-fees-lower-fx-higher-atm-limits). KAST's help centre now lists a 0.5% to 1.75% FX fee on non-USD purchases depending on your country, with no separate foreign transaction fee. ATM withdrawals cost $3 plus 2%, now with up to $500 per withdrawal and $1,500 per 24 hours.
- 12 October 2026: [Solid raises the FUSE lock needed for Prime and Ultra](https://cryptocardsguide.xyz/news/#solid-raises-the-fuse-lock-needed-for-prime-and-ultra). From 12 October 2026, unlocking Solid's Prime tier with tokens needs 70,000 FUSE locked for 12 months (up from 50,000), and Ultra needs 600,000 (up from 400,000). Prime is still available for $199 a year. The free Core tier keeps 3% back in USDC, capped at $50 a month.
- 9 October 2026: [Tangem Pay opens physical card orders](https://cryptocardsguide.xyz/news/#tangem-pay-opens-physical-card-orders). Tangem Pay users can now order a plastic Visa in supported countries, with delivery priced by country and the first delivery free on the Plus plan. ATM withdrawals cost 4% on Basic and 2% on Plus, up to $250 each and three per day.
- 5 October 2026: [Bybit's global card stops paying cashback on fiat-funded purchases](https://cryptocardsguide.xyz/news/#bybit-s-global-card-stops-paying-cashback-on-fiat-funded-purchases). From 5 October 2026, only purchases funded with crypto earn cashback or Rewards Points on Bybit's global card program. Purchases paid from a fiat balance still work but earn nothing. The change doesn't apply to Bybit EU.
- 5 October 2026: [Phantom starts replacing every virtual card](https://cryptocardsguide.xyz/news/#phantom-starts-replacing-every-virtual-card). Phantom is moving its card program from Bridge to Stripe and replacing virtual cards in stages through October. Balances and limits carry over, but the card number changes, so users need to re-add the card to Apple Pay or Google Pay and update saved payment details.
- 1 October 2026: [KAST waives its FX fee on 16 Latin American currencies until the end of 2027](https://cryptocardsguide.xyz/news/#kast-waives-its-fx-fee-on-16-latin-american-currencies-until-the-end-o). KAST no longer charges its own FX fee on card purchases in currencies including the Mexican peso, Brazilian real, Argentine peso, Colombian peso, Chilean peso and Peruvian sol. The waiver is automatic and runs until 31 December 2027. The card network's exchange rate still applies.
- 30 September 2026: [Gnosis Pay closes to new cardholders and ends GNO cashback](https://cryptocardsguide.xyz/news/#gnosis-pay-closes-to-new-cardholders-and-ends-gno-cashback). Gnosis Pay stopped new card sign-ups and ended GNO cashback on 30 September 2026. Its own consumer cards are being wound down by the end of 2026 as users move to partner apps such as Rebind, which runs on the same infrastructure. Funds in users' Safes can always be withdrawn.
- 6 September 2026: [Cypher shuts down after its acquisition by Nium](https://cryptocardsguide.xyz/news/#cypher-shuts-down-after-its-acquisition-by-nium). Cypher disabled card loading in July, closed its cards on 8 August and shut down its platform on 6 September 2026 after being acquired by Nium. Users had until the shutdown to withdraw balances.

## Data and policies

- [Full card facts for LLMs](https://cryptocardsguide.xyz/llms-full.txt)
- [Card dataset, JSON](https://cryptocardsguide.xyz/data/cards.json)
- [Card dataset, CSV](https://cryptocardsguide.xyz/data/cards.csv)
- [Open data and licence](https://cryptocardsguide.xyz/open-data/)
- [Methodology](https://cryptocardsguide.xyz/methodology/)
- [Editorial policy](https://cryptocardsguide.xyz/editorial-policy/)
- [Affiliate and risk disclosure](https://cryptocardsguide.xyz/disclosure/)