Top 10 Cryptocurrency Cards: List of the Best Debit and Credit Crypto cards

    Cryptocurrencies are still far from being widely used in real economic activity. Not all websites and stores accept crypto for payment, and there are several reasons for this: the high volatility of cryptocurrencies, retailers’ low level of knowledge about crypto, legislation that is just emerging and differs from country to country, and a number of other serious problems.

    Top 10 Cryptocurrency Cards
    Paying for everyday purchases with cryptocurrency is still an issue

    This situation has led to the emergence of crypto cards. These are debit and credit cards that allow cryptocurrency holders to pay for any purchase with crypto. The article below will discuss the best cryptocurrency cards, their features and advantages of using them.

    Best debit and credit crypto cards in 2022

    Cryptocurrency cards are similar to common debit and credit cards, and allow their owner to use crypto for everyday transactions. Such cards support Visa, Mastercard or UnionPay payment systems, payment services like Apple Pay and Google Pay and are completely legal. They are issued by cryptocurrency exchanges (such as Binance or Coinbase), some payment services (for example, AdvCash) and financial organizations developing the DeFi sphere, often in collaboration with traditional banks.

    The working principle of such cards is very simple: when paying for a purchase, the cryptocurrency on the card balance is converted into fiat currency, which is accepted by the retailer. As a result, the retailer receives the payment in fiat currency and does not encounter cryptocurrency at all, while the user gets to use only cryptocurrency.

    The potential of the crypto card sphere is very high, and financial institutions from all over the world offer a large number of curious solutions. For the convenience of our readers, TGDRatings expert team has included the most profitable and reliable offers on the market in the top 10 best crypto cards.

    1. Binance Crypto Card

    Adress: https://www.binance.com/en/cards

    Binance crypto card
    Binance crypto card
    • Binance exchange crypto card linked to the user’s exchange account;
    • Type: debit;
    • Countries: available for residents of EEA countries (31 countries);
    • Conditions for obtaining: Binance exchange account with confirmed area of residency;
    • Supported cryptocurrencies: BNB, BUSD, BTC, SXP, ETH, ADA, DOT, LAZIO, PORTO, SANTOS, USDT.
    • Registration cost: the first card is free of charge, reissue – 25 EUR;
    • Maintenance cost: free of charge;
    • Penalty for failure to act and closing costs: not charged;
    • Spending limits: for a virtual card – 870 EUR per day, for a physical card – 8700 EUR per day;
    • Withdrawal limits: 270 EUR for a physical card per day;
    • Fees: up to 0.9% (for card payments and cash withdrawals from terminals), third-party services may also charge a fee;
    • Additional features: Google Pay and Samsung Pay support;
    • Cashback: up to 8%, depending on the amount of BNB on your Binance wallet balance.

    2. Сrypto.com

    Adress: https://crypto.com/cards

    Crypto.com card
    Crypto.com card
    • Prepaid cards from the Crypto.com exchange;
    • Type: debit (requires prior replenishment);
    • Countries: 31 countries (full list is available when applying for the card);
    • Conditions for obtaining: staking CRO cryptocurrency for at least 180 days (requires registration on the exchange and passing KYC). The available card level is determined depending on the amount of staked CRO in the wallet;
    • Supported cryptocurrencies: 100 cryptocurrencies, 20 fiat currencies (specific list is available after applying for the card);
    • Registration cost: free of charge;
    • Maintenance cost: free for CRO holders;
    • Penalty for failure to act and closing costs: not charged;
    • Deposit limits: 25 thousand U.S. dollars per month;
    • Terminal withdrawal limits: from $200 to $1,000 per month with no fee (depending on card level), from $1,000 to $10,000 per month (depending on card) with a 2% fee;
    • Commissions: 0.5% for cryptocurrency exchange to fiat and interbank exchange;
    • Additional features: 5 different types of cards, with CRO staking rewards depending on card level, additional services (e.g. Spotify, Amazon Prime, Airbnb, etc.) depending on card level, mobile app;
    • Cashback: up to 100% per month for additional services.

    3. Coinbase

    Adress: https://www.coinbase.com/card

    Coinbase card
    Coinbase card
    • A physical and virtual Visa crypto card from U.S. cryptocurrency exchange Coinbase;
    • Type: debit;
    • Countries: USA + payment support in 29 countries;
    • Conditions for obtaining: registering in the system, passing the KYC check;
    • Supported cryptocurrencies: 8 cryptocurrencies (BTC, LTC, ETH, BCH, BAT, REP, ZRX, XLM) and the US dollar;
    • Registration cost: 4.95 EUR;
    • Maintenance cost: free of charge;
    • Deposit limits: None;
    • Limits on the amount of funds on the card: none;
    • Withdrawal limits: in ATMs – 500 EUR per day, 10 thousand EUR per month;
    • Fees: In the U.S., up to $200 – no fee, over – 1%; outside the U.S., up to $200 – no fee, over – 2%;
    • Additional features: staking cryptocurrencies on the card balance;
    • Cashback: up to 4%.

    4. BlockFi

    Adress: https://blockfi.com/

    BlockFi card
    BlockFi card
    • A physical and virtual Visa crypto card from the U.S. financial institution BlockFi;
    • Type: credit;
    • Countries: United States (except New York State);
    • Conditions for obtaining: registering in the system, installing the application, passing the KYC check;
    • Supported cryptocurrencies: BTC, LTC, ETH and 14 other cryptocurrencies;
    • Registration cost: free of charge;
    • Maintenance cost: free of charge;
    • Commissions: 0.25% for purchases and transactions in cryptocurrency on the exchange BlockFi ;
    • Additional features: up to 10% cashback from BlockFi affiliate program retailers, 3 levels of rewards depending on the amount of money spent per month, referral program;
    • Cashback: up to 1.5% of each transaction, 2% after the amount of transactions exceeds 30 thousand dollars per year.

    5. Revolut

    Adress: https://www.revolut.com/cards

    Revolut cards
    Revolut cards
    • Virtual and physical Visa and Mastercard cards from UK financial app Revolut;
    • Type: debit;
    • Countries: 37 countries;
    • Conditions for obtaining: registering in the system, downloading the app, passing KYC;
    • Supported cryptocurrencies: BTC, ETH, LTC and more than 30 fiat currencies;
    • Penalty for failure to act and closing costs: not charged;
    • Registration cost: The first card is free, but you have to pay £40 to re-issue it (and for the Metal Plan card, even if it’s the first time it’s been issued);
    • Maintenance cost: 4 tariff plans, including free. Service from 0 to 14 EUR per month depending on the plan;
    • Withdrawal limits: 3000 EUR per day;
    • Commissions: 2% after 800 EUR per month, 1.5% for cryptocurrency exchange;
    • Additional features: Apple Pay, Google Pay, synchronization with Apple Watch, unlimited internal transfers, 40% discount on transfers abroad (for Metal tariff), purchase insurance (for Metal tariff), etc;
    • Cashback: 1% from any transactions (the level of possible cashback is limited by the cost of maintaining the current card level).

    6. Nuri (ex Bitwala)

    Adress: nuri.com/product/debitcard-bonus-10-euro/

    Nuri card
    Nuri card
    • Physical cryptocurrency Nuri (formerly Bitwala) from the German financial institution of the same name, denominated in EUR;
    • Type: debit;
    • Countries: 31 countries (EU + Switzerland and UK);
    • Conditions for obtaining: registering in the system, passing the KYC check;
    • Supported cryptocurrencies: BTC and ETH;
    • Registration cost: free of charge;
    • Maintenance cost: free of charge;
    • Limits on the amount of funds on the card: none;
    • Withdrawal limits: €1,500 per day for ATM withdrawals, €5,000 per day for online purchases, €3,000 per day for offline purchases, €10,000 per month for each;
    • Fee: No fee for withdrawals from ATMs;
    • Additional features: insurance of deposits up to €100,000;
    • Cashback: up to 4%.

    7. BitPay

    Adress: https://bitpay.com/card/

    BitPay card
    BitPay card
    • Virtual and physical cards from the U.S. financial institution BitPay;
    • Type: debit;
    • Countries: 31 countries (Europe + USA, Mexico, Canada);
    • Conditions for obtaining: downloading the application, registering in the system and passing the KYC;
    • Supported cryptocurrencies: BTC, ETH, BCH, DOGE, SHIB, LTC, XRP, DAI, USDC, BUSD, WBTC, GUSD, USDP;
    • Penalty for inactivity and closing costs: $5 per month if the card has not been active for more than 3 months;
    • Registering cost: $10 to issue and replace any card;
    • Maintenance cost: free of charge;
    • Deposit limits: $10,000 per transaction;
    • Limits on the amount of funds on the card: $25,000;
    • Withdrawal limits: 2000 U. S. dollars in a single withdrawal, 3 withdrawals per day;
    • Fees: $2.5 for withdrawals;
    • Additional features: connecting popular cryptocurrency wallets (MetaMask, Trezor and others);
    • Cashback: none.

    8. Xapo

    Adress: https://www.xapo.com/

    Xapo card
    Xapo card
    • The physical crypto card of the Gibraltar-based Xapo Bank;
    • Type: debit;
    • Countries: a list of available countries can be viewed when applying for a card;
    • Conditions for receipt: applying, passing KYC check;
    • Supported cryptocurrencies: BTC and US dollar;
    • Penalty for failure to act and cost of closure: none;
    • Cost of registration: free of charge, but you have to pay a maintenance fee for the first year;
    • Maintenance cost: $150 per year;
    • Deposit limits: none;
    • Limits on the amount of funds on the card: none;
    • Withdrawal limits: none;
    • Fees: For withdrawals – $2.5;
    • Additional features: an app for Android and IOs, deposit insurance up to 100 thousand EUR, income of 2% per year on U.S. dollars stored on the card account, income of 1% per year on BTC stored on the card account;
    • Cashback: 1.1% of any transactions.

    9. Wirex

    Adress: wirexapp.com/en/card

    Wirex crypto card
    Wirex crypto card
    • A physical crypto card from Singapore’s DeFi-platform Wirex;
    • Type: debit;
    • Countries: see the supported countries page for a complete list;
    • Conditions for obtaining: registering in the system, passing the KYC check;
    • Supported cryptocurrencies: 50 cryptocurrencies that can be converted into the national fiat currencies of 150 countries;
    • Penalty for failure to act and cost of closure: none;
    • Registration cost: free of charge;
    • Maintenance cost: free of charge;
    • Deposit limits: 2500 Singapore dollars per transaction;
    • Limits on the amount of funds on the card: none;
    • Withdrawal limits: at ATMs – the equivalent of 1400 Singapore dollars per day, from a card – up to 10 thousand Singapore dollars per transaction and up to 50 thousand per day;
    • Fees: free withdrawal of the equivalent of 400 Singapore dollars per month, 2% – for the abovementioned amounts, 1% – when replenishing the card with cryptocurrency;
    • Additional features: none;
    • Cashback: 2% in system native token (WRX) on any transactions.

    10. Unbanked (ex BlockCard)

    Adress: https://unbanked.com/debit-card/

    Unbanked cards
    Unbanked cards
    • A physical and virtual crypto card from U.S. financial platform Unbanked (formerly BlockCard);
    • Type: debit;
    • Countries: USA;
    • Conditions for obtaining: registering in the system, passing the KYC check;
    • Supported cryptocurrencies: 16 cryptocurrencies;
    • Registering cost: from $10 to $50, depending on the card you choose;
    • Maintenance cost: $5 per month, reduced to 0 if the amount of transactions per month exceeds $750;
    • Deposit limits: none;
    • Limits on the amount of funds on the card: none;
    • Withdrawal limits: at ATMs – $ 500 per day, total limit per day – $ 5,000;
    • Fees: 3-3.5% for ATM withdrawals, 1% for all transactions, 2% for transactions outside the US, $0.5 for balance inquiry at ATM;
    • Additional features: Apple Pay, Google Pay and Samsung Pay support, several types of cards;
    • Cashback: up to 6.38% in any cryptocurrency for members of the staking program.

    Why are crypto cards needed?

    Most cryptocurrencies support the Visa and Mastercard payment systems (some also support other systems, such as UnionPay). This makes it possible to use them in any place where regular debit and credit cards of these systems are accepted. In addition, crypto cards can be replenished with cryptocurrencies.

    What’s the difference between credit and debit crypto cards?

    The difference between credit and debit cryptocards is the same as their fiat prototypes. A debit card holds the user’s funds (in the case of a prepaid card, they need to be deposited before receiving the card) and it is impossible to exceed the balance limit. A credit card allows one to borrow money from a bank (in the case of a crypto card, from the organization that issued the card) at a certain interest rate.

    How to choose the best cryptocard?

    When choosing a crypto card, you should pay attention to the following points:

    1. Determine for what purposes you create a crypto card;
    2. Whether the card-issuing organization operates in the jurisdiction where you reside;
    3. Explore the terms of obtaining, the maintenance and registration costs;
    4. Commissions and limits for: ATM withdrawals, deposits and withdrawals, foreign transfers, etc.;
    5. Terms of transferring funds from one cryptocurrency to another, as well as from cryptocurrency to fiat. It’s also important to study the fees that may be charged for such transfers;
    6. Additional features and cashback.

    Pros and cons of cryptocards

    Can be used as a regular debit or credit card;
    High limits;
    Low fees;
    Various perks: staking rewards, referral programs, discounts and other bonuses.
    Restrictions on use and ordering for some countries;
    Not all organizations that issue cards are controlled by regulators.

    FAQ

    What are crypto cards?
    Debit or credit cards, which can be used as ordinary plastic cards, with the difference that they are replenished with cryptocurrency.
    How to get a crypto card?
    You can get a crypto card by ordering it from financial institutions that support the issuance of such cards. To order cards from cryptocurrency exchanges, you will also need to register on an exchange. The list of recommended cards is provided in the article.
    What is the best crypto debit card?
    It`s difficult to answer this question unequivocally. It depends on what objectives you are pursuing when ordering a card, as well as the jurisdiction you are in. We recommend taking a closer look at the cards listed in our top, such as those from Binance and Crypto.com.
    How does a crypto card work?
    A cryptocurrency card works like an ordinary debit or credit card, but uses cryptocurrency to top up its balance (some cards also support deposits in fiat currencies).

    When making a purchase, the cryptocurrency on the card balance is converted into the fiat currency used by the retailer. Thus, the seller receives fiat currency and does not need to delve into the intricacies of crypto, while the cardholder can use the cryptocurrency in everyday payments.

    Are there crypto cards with delivery?
    Yes, most cryptocurrency organizations deliver cards to the countries they work with.
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    Agatha Redich
    Agatha Redich
    Articles author, editor
    Articles author and website editor. Works with texts for over 12 years. Among Agatha’s clients: Rossman, Zara, Bosch, ING Bank, Lexus and others. Crypto journalist since 2018. She wrote more than a hundred articles about cryptocurrencies and the crypto market. Agatha's professional credo is to reveal complex topics in an accessible and simple way.
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    Emil Rabin
    Emil Rabin
    Site expert
    Cryptocurrency expert and financial analyst. Emil has working experience in Bain and KPMG, collaborated with PayPal and Revolut, organized more than 30 educational events about blockchain and cryptocurrencies in Eastern Europe. An expert of the TGDRatings.com portal since 2022.
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