best crypto cards

Best Crypto Cards 2025: Spend Bitcoin & Ethereum Anywhere (Regional Guide)

ByNeil

Finding the best crypto card can transform how you spend digital assets. The crypto card market has exploded in the last few years. If you’re holding Bitcoin, Ethereum, or stablecoins, you don’t have to sell them to spend the value—just swipe a card. No banks. No crypto exchanges taking days to process. Just instant spending power wherever Visa or Mastercard is accepted.

I’ve tested several of the myself and looked into dozens more options. Here’s what I found: some are genuinely useful. Others have serious regional limitations or sketchy fee structures. Some promising crypto card options launched in 2024 and are still figuring things out. This guide breaks down the real choices by where you live, with honest takes on what actually works and what doesn’t.

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Redotpay: The Best Crypto Card I Actually Recommend

Let me be upfront: Redotpay is my top pick for the crypto card, and if you’re outside the USA, it’s probably your best bet too. I tested this card for about three months, and it genuinely works as advertised. I’ve used it across multiple countries, and it’s been reliable—not perfect, but reliable for a crypto card option.

redotpay card

Why Redotpay Is The Best Crypto Card For Non-USA Users

Redotpay offers both virtual and physical Visa cards—arguably the setup available. You fund them with crypto—Bitcoin, Ethereum, USDT, USDC, SOL, BNB, and others—and spend them at any merchant that accepts Visa. That’s roughly 130+ million merchants globally. For a , this is exceptional reach. The virtual issues instantly (usually under 5 minutes after KYC verification). I tested this myself: uploaded ID on a Tuesday evening, got approved, had a number within a few minutes. Used it for an online purchase that same night.

Key Features That Make This The Card

  • Instant virtual card issuance. No waiting days or weeks like some competitors.
  • Apple Pay & Google Pay compatible. I tested both. This card’s tap-to-pay works seamlessly in stores that support it.
  • No monthly maintenance fees. You’re literally not paying to hold this card—just fees when you spend.
  • Multi-crypto funding. Fund this card with BTC, ETH, USDT, USDC, SOL, Polygon, Arbitrum, and others. The app lets you choose which crypto to spend from.
  • Physical crypto card with ATM access. The physical version (delivered in ~14 days) lets you withdraw cash at ATMs, which isn’t common for a best cryptocurrency card. Fees apply though—around 1-2% depending on your region and the ATM network.
  • Real-time conversion. Spend in any fiat currency. This card’s app converts automatically at the point of sale. You see the rates before confirming.
  • Multiple blockchain support. Deposit into this card from Bitcoin, Ethereum, Solana, Binance Smart Chain, Polygon, Tron, or Arbitrum. This flexibility matters if you hold assets on different networks.

The USA Problem (And Other Limitations of This Crypto Card)

Redotpay—despite being the best crypto card for many regions—doesn’t work in the USA. Full stop. If you’re American looking for the best cryptocurrency card, skip this section entirely. It’s also restricted in China, Russia, and a few other countries for compliance reasons. Check their site to confirm your region before applying for this cryptoc card.

Beyond that, I didn’t dig too deep into their compliance and data-sharing policies—that wasn’t my focus during testing—but from what I’ve read on Reddit and Trustpilot, most users don’t report major issues with this card. I kept funds on there for three months without incident.

Availability of this card: Works in 150+ countries across Asia, Africa, South America, and parts of Europe (excluding UK in some cases). It’s particularly popular in Malaysia, Philippines, Vietnam, India, Pakistan, Brazil, and Mexico. If you’re in these regions and looking for the , it’s definitely worth testing.

My Real Test Results: Is This Card?

Transaction speed with this crypto card: Completed within 2-4 seconds in-store (similar to any Visa). Online purchases processed instantly. I tested about 15 transactions over three months using this crypto card—mix of online and in-store. One got declined randomly (no idea why—support didn’t explain it well), but they sorted it within 24 hours and this card worked after that.

Fees I actually paid on this card: Conversion fees when spending in different fiat: around 1-2% depending on your bank and location. That’s typical for a . ATM withdrawals cost roughly 1.5-2% plus any bank fees on top. So if I withdrew $100 using this card, I’d see about $97 arrive. Not cheap, but expected for a best cryptocurrency card option.

Downside to this card: Customer support took 24 hours to respond. Not terrible, but not lightning-fast either. The app is clean but could use better fee transparency upfront on this card.

Best Crypto Cards by Region

Best Crypto Cards for USA Residents (6 Real Options)

USA users have better options than most regions. Competition here is fierce, which keeps fees competitive. Finding the best card in the USA means choosing between strong options.

1. Coinbase Card (Best for Simplicity)

The Coinbase Card is the if you prioritize simplicity. Connecting it to your Coinbase account is straightforward—no extra steps. Fund this best cryptocurrency card with crypto already in your wallet, and spend.

Coinbase Card

How this crypto card works: When you swipe, Coinbase instantly converts your selected crypto to USD and processes the transaction. From the merchant’s perspective, it’s a normal Visa payment. You see the transaction in your Coinbase app immediately. This coinbase card option delivers seamless integration.

  • Directly tied to your Coinbase holdings (this card needs no separate wallet)
  • Supports BTC, ETH, USDC, DOGE, and more from your Coinbase account on this card
  • Cashback rewards in crypto (1-4% depending on which crypto you spend from this card)
  • Issued quickly (usually 5-7 business days for physical crypto card, instant for virtual)
  • Virtual card works immediately in Google Pay/Apple Pay

Fees: No annual fee on this card. Conversion fees around 1.5% on foreign transactions. ATM withdrawals using this card cost $2.50 per transaction plus bank fees.

Is this card for you? This is the obvious choice for the if you already use Coinbase. The integration is truly seamless. I didn’t test this cryptocurrency card personally (not in my main testing region during my three-month window), but reviews consistently praise this ‘s ease of use. The cashback rates are modest but honest for a cryptocurrency card.

Best for: Coinbase users seeking the with simplicity and lower reward thresholds. If you hold Stellar Lumens or USDC, this can deliver 4% cashback, which is solid.—

2. Gemini Credit Card (Best Crypto Card for Rewards)

The Gemini card is arguably the best card for rewards. It offers real-time crypto rewards on every purchase. Earn Bitcoin or your choice of cryptocurrency directly on spending, instantly. This stands out for reward enthusiasts.

  • Up to 3% back in Bitcoin or choice of crypto on this card
  • No annual fee for this card
  • Apple Pay and Google Pay support (this card works immediately)
  • Works via mobile wallet after instant approval on this card
  • Rewards paid daily or weekly in your chosen crypto on this card

Fees: No annual fee on this card. Conversion and foreign transaction fees around 1-3%. ATM withdrawals using this card cost $2-3 plus potential bank fees.

Reality check on this : The 3% cashback is solid—among the rewards available. The catch? It’s a credit card, not debit. That means you’re borrowing from Gemini and need to pay it back when using this . If you already understand credit cards, this isn’t an issue. If not, be careful with this —you can run up a balance.

Best for: People who understand credit card mechanics and want the that delivers crypto rewards paid directly. Active spenders benefit most since this ‘s rewards compound.—

3. Crypto.com Visa Card (Best Card for Benefits & Tiers)

Crypto.com offers it’s crypto card option with multiple tiers. The higher your tier on this card, the better your rewards and perks. This is arguably the card for those wanting premium benefits.

Tiers available card:

  • Jade/Indigo: $400 CRO stake makes this a solid crypto card, 2% cashback, Netflix rebate
  • Royal Indigo/Icy White: $4,000 CRO stake for a crypto card tier, 3% cashback, airport lounge access, higher Netflix/Spotify rebates
  • Frosted Rose Gold/Black: $40,000 CRO stake for the premium card tier, 5% cashback, premium perks, $720/year Spotify rebate

What you get with this card: Cashback rewards, subscription rebates (Netflix, Spotify, etc.), airport lounge access on higher tiers of this card, free streaming subscriptions depending on tier, up to 10% APY on CRO staking. This card option is comprehensive.

The reality of this card: Yes, the staking requirements are steep—even for a best card. $40,000 locked up for the top tier is serious money. But if you’re already holding CRO anyway, the rewards add up on this card. I didn’t personally test this crypto card (region-dependent), but the community feedback seems mostly positive on this ‘s rewards and perks, mixed on customer support speed.

Fees: None for card issuance on this . Conversion fees around 1-2% on this . Reload fees vary by method on this .

Best for: People already committed to Crypto.com who want the with maximum perks. If you calculate the rewards minus staking, higher tiers can be worth it for active spenders using this .—

4. Venmo Credit Card (Best for Casual Users)

Venmo’s newer credit card lets you earn cashback in most spending categories, then convert it to crypto within the app.

  • Earn 2-3% cashback depending on category (highest on dining/rideshare)
  • Convert cashback to Bitcoin, Ethereum, or other crypto within app
  • No annual fee
  • Instant virtual card

Take: This is for people who want crypto rewards without the full “crypto card” complexity. It’s a regular credit card with a crypto conversion option bolted on. Straightforward and low-risk.

Best for: People new to crypto who want to earn crypto cashback before fully committing to a crypto card.—

5. Uphold Card (Best for Multi-Asset Spending)

Uphold lets you fund a card from any asset in your account—crypto, fiat, precious metals, even stocks in some cases. Spend any of it, anywhere.

  • Spend crypto, fiat, or precious metals on the same card
  • Real-time conversion between asset classes
  • No monthly fees
  • ATM withdrawals available
  • Integration with 70+ cryptocurrencies

Availability: Most US states; availability varies for other regions.

Best for: People who hold diverse assets and want flexibility. Not recommended if you only need crypto spending.—

6. MetaMask Virtual Card (Best for DeFi Users)

MetaMask launched a virtual card designed for DeFi enthusiasts. Fund it directly from your DeFi wallet.

What’s different: You control the wallet entirely (non-custodial). It’s tied directly to your MetaMask holdings. You’re never giving custody of assets to a third party.

  • Non-custodial control (you keep your keys)
  • Instant virtual card
  • Support for multiple blockchains (Ethereum, Polygon, Arbitrum, etc.)
  • Rewards program in development

Availability: USA (limited regions initially); expanding in 2025.

Heads up: This is relatively new, so I can’t speak to long-term reliability. The non-custodial angle is great for security purists.—

For European Residents (5 Strong Options)

Europe has more competition than the USA in some ways. You’ve got established players and newer, nimble competitors.

1. Wirex Card (Best for Beginners & Reliability)

Wirex is one of Europe’s longest-running crypto cards. It’s been around since 2015. Solid, reliable, not flashy.

  • Supports crypto and fiat spending on one card
  • Up to 2% rewards in WXT tokens (their native token)
  • Free ATM withdrawals up to €1,000/month, then ~1.5%
  • Compatible with Apple Pay and Google Pay
  • Multiple cryptocurrency support (BTC, ETH, LTC, XRP, USDC, etc.)

Fees: No annual fee. Card issuance €10. ATM withdrawals free up to limit, then ~1.5% per withdrawal.

Why it matters: Longevity. Most newer cards have been around 2-3 years. Wirex has been here since 2015, which means they’ve survived market crashes and regulatory changes. That’s something.

Best for: European beginners who want simplicity and proven reliability.

2. Plutus Card (Best Rewards in Europe)

Plutus integrates with non-custodial wallets and offers rewards in their Pluton token.

  • Up to 3% cashback in Pluton tokens
  • Subscription rebates (Netflix, Spotify, Amazon Prime)
  • Non-custodial integration (you keep control of your keys)
  • Tier-based benefits (free tier available)
  • DeFi integration for advanced users

Fees: Card issuance €10-20. Annual fee €0 for free tier. Conversion fees around 1.5-2%.

My note: I didn’t use this one extensively, so I can’t speak to the full feature set or support speed. But the rewards rates look competitive for Europe, and the non-custodial angle appeals to DeFi users.

Best for: DeFi-first Europeans who want high rewards and don’t want to give up key control.—

3. Nexo Card (Best for Credit Users Who Hold Crypto)

Nexo’s Mastercard works differently than most. You don’t spend the crypto directly. Instead, you use crypto as collateral for an instant credit line.

How it actually works:

  1. Deposit your crypto (e.g., $1,000 worth of Bitcoin)
  2. Get a credit line against it (usually up to 80% LTV—so ~$800)
  3. Spend via Mastercard from that credit line
  4. Keep your Bitcoin; only pay interest on what you borrow

Benefits: You don’t have to sell your crypto. You keep it. You’re just borrowing against it. Up to 2% cashback in tokens.

Interest rates: Typically 5-12% depending on your credit tier and loan-to-value ratio. So it’s not free, but it’s an option if you want to hold your Bitcoin and borrow against it.

Fees: Origination fee ~1%. Interest rate 5-12% depending on tier. No annual fees.

Best for: Long-term Bitcoin holders who don’t want to sell but need spending power. If you’re hodling and just need fiat, this lets you keep your position.—

4. Bybit Card (Best for Traders)

Bybit’s card is designed for active crypto traders. Fund it directly from your trading account.

  • Direct integration with Bybit accounts
  • Instant virtual card
  • Physical card available in select regions
  • Cashback rewards (1-2% standard, up to 10% for VIP members)
  • VIP tier system (rewards increase with trading volume)
  • No annual fees

Supported cryptocurrencies: BTC, ETH, USDT, USDC, XRP, and others on Bybit.

Availability: Europe, Asia; not USA.

Best for: Active Bybit traders who want rewards tied to their volume.—

5. KAST Card (European Payments Focused)

KAST offers a card focused on the European market with support for multiple cryptocurrencies and high reward rates.

  • Multi-crypto support
  • Competitive rewards program
  • EU-based operations and compliance
  • Instant virtual cards
  • Physical card delivery in 7-14 days

Note: I didn’t test this one deeply, so details are somewhat limited. It’s newer than some competitors and seems focused on the European market specifically.—

Best Crypto Cards Available Worldwide (With Regional Restrictions)

These cards work in multiple regions but have varying availability. Check your specific country before applying.

1. Binance Card (High Cashback Option)

Binance offers a tied directly to your Binance account. Spend your holdings instantly—making it one of the options for traders.

  • Up to 8% cashback on this (requires BNB staking for higher tiers)
  • Supports BTC, ETH, BNB, BUSD, USDT, and 100+ other cryptos on this
  • No annual fees for this
  • Free ATM withdrawals up to monthly limit on this
  • Instant virtual
  • Physical card shipped within 7-10 days with this
  • Direct Binance account integration on this

Cashback tiers on this : Base is 1%, but VIP members can earn up to 8% depending on BNB staked and trading volume on this . Higher staking requirements unlock better rates on this .

Best for: Heavy Binance users seeking the with significant BNB holdings who want maximum cashback on this .—

2. Ready Metal Card (Global Availability)

Ready Metal offers both virtual and physical cards with multi-currency support.

  • Physical card with metal finish (hence the name)
  • Multi-currency spending
  • Rewards program available
  • Instant card issuance (virtual)
  • ATM withdrawals supported

Availability: Global, excluding USA.

Note: Information on this card is limited; it’s an emerging player in the crypto card market.—

3. SafePal Card (Non-Custodial DeFi Option)

SafePal integrates with their hardware wallet ecosystem—the for DeFi purists. This is non-custodial where you keep control of your keys.

  • Non-custodial control on this (you keep your private keys)
  • Multi-crypto support on this
  • Rewards in SAFE tokens on this
  • Direct wallet integration on this
  • Instant conversion at point of sale on this

Best for: DeFi purists who want the without giving up key control—making this ideal for security-conscious users.—

4. ether.fi Cash Card (Ethereum Staking Rewards)

Tied to the ether.fi DeFi ecosystem, designed specifically for Ethereum stakers.

  • Rewards linked directly to staking rewards
  • Designed for long-term ETH holders
  • Integration with ether.fi staking protocol
  • Compound rewards (earn on staking and on spending)
  • DeFi-native product (non-custodial)

Unique angle: This is built for people who are already staking ETH on ether.fi. The rewards feed into your spending card.

Availability: Limited regions so far; expanding through 2025.—

5. Holyheld Card (DeFi Integration)

DeFi-integrated crypto card with non-custodial features.

  • Non-custodial design
  • DeFi protocol integration
  • Multi-blockchain support
  • Rewards program

Availability: Multiple regions; check their site for specifics.—

6. 1inch Card (DEX Aggregator Integration)

Part of the 1inch protocol ecosystem, designed for DEX aggregation users.

  • Direct integration with 1inch protocol
  • Best rates aggregation
  • Multi-chain support
  • Rewards in 1INCH tokens

Availability: Select regions; DeFi-focused.

Best for: Active DEX traders who use 1inch for swaps.—

7. Bitget Wallet Card (Exchange Integration)

Integrated with Bitget ecosystem for traders on that platform.

  • Direct Bitget wallet integration
  • Instant card issuance
  • Rewards tied to trading volume
  • Multi-crypto support

Best for: Active Bitget traders.—

8. Solayer Emerald Card (Solana-Focused)

Designed for Solana ecosystem users and SOL holders.

  • Solana-native integration
  • SOL rewards
  • Fast transactions (Solana speed)
  • Low fees

Availability: Select regions; newer product.—

9. BasedApp Card (Emerging Option)

A newer entrant to the crypto card market.

Status: Limited information publicly available. Still building out features.—

10-15. Other Cards Worth Knowing About

Several other cards exist but have limited availability or information:

  • BitMart Card: Exchange-native card; limited regional availability.
  • Payy Card: Payment-focused card with crypto integration; select markets.
  • DeCard Luminaries Virtual Card: Virtual-only option; decentralized payment focus.
  • Bleap Card: Payment and rewards integration; emerging player.
  • Avici Card: Emerging market crypto card; limited information.

Real talk: Some of these are less established or have very limited information publicly available. I didn’t test them all because either they weren’t available in my testing regions or they’re too new to have solid reviews. Your mileage may vary. If you’re considering one of these, start with a small deposit and test with one transaction before committing significant funds.—

How The Best Crypto Cards Actually Work (The Simplified Version)

Understanding how function helps you choose the for your needs. Here’s how the process works:

  1. Fund the with crypto. Send Bitcoin, Ethereum, USDT, or another supported asset to your ‘s wallet.
  2. Automatic conversion happens at checkout. When you swipe your , the provider instantly converts the crypto to the local fiat currency needed for the transaction. It all happens in milliseconds on .
  3. The merchant gets paid in fiat. From the store’s perspective, using a looks like a normal Visa or Mastercard payment. They don’t know or care that you funded your with Bitcoin.
  4. You get your receipt in fiat amounts. Your statement shows spending in USD/EUR/etc. Your wallet shows the crypto deducted from your .

Why using a matters for taxes: You keep your crypto holdings. You’re not “selling.” You’re just spending the value on your . In many jurisdictions, this distinction matters for tax purposes when using a .

The catch: Rules vary wildly by country. In the USA, spending crypto is usually considered a taxable event. In some countries, it might not be. Consult your tax advisor—I’m not a tax attorney, and rules change frequently.—

Quick Best Crypto Card Comparison Table

CardBest ForCashbackAnnual FeeRegions
RedotpayNon-USA global users – Varies – None – 150+ countries
Coinbase USA users 1-4%None USA, UK, EU
Crypto.comRewards seekers 1-5% None (staking) USA, EU, Asia
Wirex European beginners Up to 2%NoneEurope, 130+ countries
BinanceHeavy traders 1-8%None Europe, Asia
SafePal Non-custodial DeFi – Rewards in SAFENoneSelect countries

—

Best Crypto Card Fee Breakdown (What You Really Pay)

Understanding fees helps you pick the . Here’s what fees look like on options.

Virtual Best Crypto Card Issuance

Usually free or €5-10 on most options. Most providers issue virtual instantly with no fee. Coinbase’s is free. Wirex’s charges around €10.

Physical Best Crypto Card Issuance

$0-30 depending on the provider. Redotpay’s and Coinbase’s are free. Wirex charges around €10 on their . Binance’s is free for most tiers.

Conversion Fees (The Big One for Best Crypto Cards)

This is where providers make money, and it varies:

  • Redotpay : Around 1-2% when you spend in different fiat currencies on
  • Coinbase : 1-2% conversion fees on
  • Wirex : Usually 1.5-2% on
  • Crypto.com : 1-2% depending on tier on
  • Binance : Around 1-2%, sometimes lower for VIP members on

Real breakdown on fees: If you’re spending $500/month on a , expect to pay $5-10 in fees. That’s cheaper than most traditional credit card foreign transaction fees on a . So for international spending, the genuinely wins.—

Frequently Asked Questions (That I Actually Wondered About)

Is my crypto safe on a crypto card platform?

This depends entirely on the provider. Most established ones (Redotpay, Coinbase, Crypto.com, Wirex) are insured or have security measures. I didn’t test security directly, so I can’t speak to details. Check their docs or support if security is a major concern (which it should be—it’s crypto).

That said, I’ve kept funds on Redotpay for three months without issues. But that’s my one-person experience, not a guarantee.

Can I use a crypto card for online purchases?

Yes, absolutely. Virtual cards work instantly for online shopping. Physical cards work too if you have the card details. Both options worked fine in my testing.

What happens if a transaction fails?

The crypto isn’t deducted. It’s just a declined transaction. In my experience with Redotpay, one transaction got declined randomly, no funds were lost, and support resolved it within 24 hours. Pretty standard process.

Can I use a crypto card internationally?

Yes. That’s the whole point of having a card. I tested Redotpay across multiple currencies and countries. It worked every time. Just expect 1-2% conversion fees.

Which crypto card has the best rewards?

Depends on your spending pattern and location:

  • Best overall cashback: Binance Card (up to 8%) or Bybit Card (up to 10% for VIP), but limited availability.
  • Best for USA: Crypto.com Visa (up to 5% depending on tier) or Gemini (up to 3% in Bitcoin).
  • Best for Europe: Plutus (up to 3%) or Wirex (2%).
  • Best non-USA global: Redotpay (varies by region, but generally competitive).

Are there tax implications for using a crypto card?

Potentially, yes. In many jurisdictions, spending crypto is a taxable event (you’re “realizing” the value). In others, it might not be. This varies wildly by country. I’m not a tax advisor, so talk to yours. Rules differ between countries and even change year to year. I didn’t dig deep into this for my own testing because there’s no one-size-fits-all answer.

What’s the difference between a crypto card and a regular debit card?

A regular debit card is tied to a bank account. A crypto card is tied to your crypto wallet. Everything else—how you use it, the acceptance, the appearance—is identical. From the merchant’s perspective, they can’t tell the difference.

Can I earn rewards on crypto card purchases?

Yes. Most crypto cards offer cashback or token rewards (typically 1-3%). This is on top of any other cashback from the merchant or your bank (if applicable). So you could technically stack rewards, though that’s rare.

Are new crypto cards launching in 2025?

Yes, new cards launch regularly. The market is still early. If you’re considering a brand-new card, I’d recommend starting with a small deposit and testing with one transaction before going all-in.—

Bottom Line: Which Best Crypto Card Should You Actually Use?

Choosing the depends on your region and needs.

If you’re outside the USA: Redotpay is the best crypto card. It’s the most widely available cryptocurrency card , has solid features, and actually works. I tested this thoroughly. It’s not perfect, but it’s reliable and honest as a option.

If you’re in the USA: Coinbase Card is the best card for simplicity, or Crypto.com Visa if you want rewards on your crypto.com card and don’t mind staking CRO.

If you’re in Europe: Wirex is the for reliability and proven track record, or Plutus if you want the best card with higher rewards and don’t mind being on a newer platform.

If you’re a DeFi-first person seeking the : Look at non-custodial options like SafePal or Plutus. This card type lets you keep control of your keys and sleep better at night knowing your card is secure.

General rule for finding the : Pick a card available in your region, test it with a small amount ($50-100), and only go all-in once you’re comfortable. The crypto space moves fast, and things change. As of October 2025, these represent the crypto card options that actually work reliably based on my testing and research.

Disclosure: I tested Redotpay (the best crypto card IMO) for three months with around 15 transactions across multiple countries. All observations for other options are based on publicly available information and community feedback. I don’t own shares in any crypto card company or receive compensation from any provider.

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