Top 6 Crypto Debit Cards Compared Side-by-Side in 2025

The mass adoption of cryptocurrency is seen as the holy grail — the moment when digital currencies become as commonplace as cash or traditional banking in our daily lives. Imagine using Bitcoin to grab your morning coffee or paying for your groceries with Ethereum. While the idea is enticing, there are still many hurdles to overcome before this becomes a reality.

The road to adoption isn’t paved by simply holding onto our crypto assets. If we want to challenge the dominance of fiat currencies, we need to actively use and spend the crypto we hold. Without a way to easily convert our digital assets into usable funds, crypto can remain a niche investment rather than a mainstream currency.

One of the solutions driving the push for adoption is the growing availability of crypto debit cards. These cards allow users to seamlessly spend their crypto at retailers, while offering a level of convenience and security that’s key for everyday transactions. Many of them come with additional perks—like rewards, cashback, and travel benefits—that make them an attractive alternative to traditional debit and credit cards.

With more crypto cards emerging, it can be challenging to choose the right one for your needs. Each card offers different features, benefits, and geographical restrictions, meaning what works for one person might not be ideal for another. To help navigate this growing market and make sure you're getting the most out of your digital assets, we've compiled a list of the best crypto debit cards available today.

Before we get into the details, here's a quick overview of the cards highlighted in this article:

We also have an article on the best crypto credit cards.

What Are Crypto Debit Cards?

Crypto debit cards are payment cards that allow you to spend your cryptocurrency holdings in the same way you would use a traditional debit or credit card. These cards are linked to a crypto wallet or exchange account, and when you make a purchase, the card automatically converts the cryptocurrency you hold into the local currency (like USD, EUR, etc.) at the point of sale.

This makes using digital currencies for everyday transactions possible, even at retailers that don’t directly accept cryptocurrency.

Here’s how it works:

• Fund Conversion: When you swipe the crypto debit card, the card issuer converts the cryptocurrency into fiat currency based on the current exchange rate. For example, if you’re using Bitcoin, the card might convert your BTC into dollars or euros at the time of the transaction.
• Wide Acceptance: These cards work wherever traditional debit or credit cards are accepted—whether that’s in physical stores or online, meaning you can spend your crypto holdings without having to worry about whether a business accepts crypto directly.
• Crypto Exchange Integration: To use a crypto debit card, you need to link it to a crypto exchange account, where your digital currencies are stored. Many crypto exchanges like Binance, Coinbase, and Crypto.com offer their own branded debit cards, as we'll detail later.
• Fees & Rewards: Depending on the card, there may be fees for conversions, withdrawals, or international transactions. However, many cards offer attractive perks, such as cashback rewards, discounts, or other incentives that can make them appealing for frequent users.
• Security: These cards often come with the same security features as traditional debit cards, including encryption and fraud protection, as well as PINs or two-factor authentication.

Our Methodology

This guide evaluates crypto debit cards based on key features, user experience, costs, and geographical availability. The aim is not to rank the cards from best to worst but rather to provide an objective overview of each card's offerings to help users choose the one that best aligns with their specific needs.

The cards included in this guide were selected based on the following parameters:

• Popularity and User Adoption: Cards with a strong user base and proven market presence.
• Availability: Cards accessible in multiple regions or countries.
• Diverse Use Cases: Inclusion of cards catering to various user needs, such as everyday spending, rewards programs, or advanced features like credit borrowing.

Our Top Picks For Crypto Debit Cards

From cashback rewards to low fees and support for multiple cryptocurrencies, these cards bring the power of crypto to your everyday spending.

Coinbase Card

The Coinbase Card is a Visa debit card that allows users to spend their crypto directly from their Coinbase account. The card supports a variety of cryptocurrencies, including major ones like Bitcoin (BTC), Ethereum (ETH) and Dogecoin (DOGE). One of the standout features of the Coinbase Card is its ability to earn cashback rewards in the form of cryptocurrencies, turning everyday spending into an opportunity to grow your crypto portfolio.

Key Features

• Supports 8 Cryptocurrencies: Users can spend their holdings in a range of cryptocurrencies, including popular options like BTC, ETH, DOGE, DAI, XLM, along with a few others.
• Earn Crypto Rewards: Every purchase made with the Coinbase Card earns cashback rewards in cryptocurrency, allowing users to accumulate more of their favorite digital assets with each transaction.
• Wide Acceptance: As a Visa debit card, the Coinbase Card can be used anywhere Visa is accepted, both online and in physical stores.
• Zero Fees: The card comes with no annual or spending fees, making it an affordable option for crypto users. However, there are network transaction fees (such as gas fees) when transferring cryptocurrency off the platform, but these fees are always disclosed before the transaction is processed.
• Robust Security Features: The card includes strong security options like two-factor authentication (2FA), the ability to freeze your card if it's lost or stolen, and the option to change your PIN at any time for added protection.
• Geographical Availability: The Coinbase Card is available in the United States, the United Kingdom, and parts of Europe.

Cost and Fees

One of the most attractive aspects of the Coinbase Card is that there are no annual or spending fees, which makes it a highly cost-effective option for crypto users. Still, it's not all puppies and rainbows; certain fees may still apply depending on the actions you take:

• Network Transaction Fees: Whenever you transfer cryptocurrency off the Coinbase platform, network transaction fees (like gas fees) may apply. These fees depend on the specific blockchain being used and are always clearly disclosed before confirming the transaction.
• Buying, Selling, or Converting Crypto Fees: When converting your crypto to fiat or buying/selling cryptocurrencies on the Coinbase platform, fees are based on factors such as the payment method and transaction size.
• ATM Withdrawal Fees: While the card itself doesn't charge any fees for spending, ATM operators may impose their own fees when you use the Coinbase Card to withdraw cash from an ATM.

Read our full review of Coinbase.

Bybit Card

This Mastercard-branded card supports multiple cryptocurrencies, including Bitcoin, Ethereum, XRP, USDT, and USDC, and is available to users in Australia and European Economic Area countries.

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Key Features

• Supports Multiple Cryptocurrencies: Users can spend a variety of assets, including Bitcoin, Ethereum, and stablecoins like USDT and USDC.
• Loyalty Rewards: Earn points that can be redeemed for vouchers or cryptocurrency, along with up to 10% cashback on purchases.
• Auto-Savings Function: This feature allows users to earn interest on assets held in Bybit’s Flexible Savings, which can be accessed or spent at any time.
• Integration with Google Pay and Apple Pay: The card can be used for contactless payments through these platforms.
• No Staking Requirements: Unlike many other crypto cards, there is no need to stake assets to access benefits.

Cost and Fees

• No Annual or Hidden Fees: The Bybit card has no annual fee or hidden charges.
• Fees: There is a 0.5% foreign exchange fee on top of Mastercard's rate and a 0.9% crypto conversion fee in addition to spot fees.
• Physical Card Cost: The physical Bybit card costs 5 EUR/GBP/USDT (while the virtual card is free).
• ATM Withdrawals: Withdrawals are free for the first 100 EUR/GBP per month, with a 2% fee applied after that.
• Spending Limits: The card has daily, monthly, and annual spending limits of 5,000 EUR/GBP, 50,000 EUR/GBP, and 250,000 EUR/GBP, respectively.

While you're here, check out our full review of Bybit exchange. We've also covered the Bybit Card is a separate review.

Nexo Card

The Nexo Card is a dual-functionality crypto card offered by Nexo, a cryptocurrency lending platform. It provides users with the flexibility to switch between credit and debit modes, allowing them to either borrow against their crypto holdings or directly spend digital assets.

Key Features

• Credit Mode: Users can put up their crypto as collateral to access funds without selling their assets. Borrowing rates start at 2.9% annually, helping users retain the potential upside of their crypto.
• Debit Mode: Users can spend cryptocurrencies and stablecoins directly, and earn daily compound interest of up to 14% on their balance. Users can also prioritize which assets to spend first for efficiency.
• Supported Cryptos: The card supports popular cryptocurrencies like Bitcoin, Ethereum, and stablecoins such as USDT.
• Loyalty Benefits: Depending on the user’s loyalty tier, they can earn up to 2% cashback in NEXO tokens or 0.5% in BTC for purchases made in credit mode. In debit mode, users can earn up to 14% compound interest on their balance, depending on their tier.

Cost and Fees

• Free Activation: The virtual card is free to activate with a minimum deposit of $50 into the Nexo account. Physical cards are free for users with a portfolio balance of at least $500 and a Gold Loyalty tier.
• No Fees for Debit Mode: The debit mode has no monthly, annual, or inactivity fees.
• Credit Mode Borrowing Rates: The borrowing rate in credit mode ranges from 2.9% to 18.9% per year.
• ATM Withdrawals: Users can make up to 5 free ATM withdrawals per month, with limits on daily and monthly withdrawals.

Crypto.com Card

The Crypto.com Card is a prepaid crypto debit card that allows users to spend their digital assets and earn rewards through various staking tiers. Depending on how much CRO (Crypto.com's native token) a user stakes, they unlock different levels of benefits and rewards.

Key Features

• Tiers and Staking: The card has several tiers, each offering unique perks based on the amount of CRO staked:

Midnight Blue: No staking required, basic benefits, no rewards on spending.

Ruby Steel: Requires $500 CRO, offering 2% cashback on purchases and a Spotify rebate for six months.

Royal Indigo/Jade Green: Requires $5,000 CRO, offering 3.5% cashback, plus rebates on Spotify and Netflix for six months.

Icy White/Frosted Rose Gold: Requires $50,000 CRO, offering 5% cashback, airport lounge access, and permanent rebates on Spotify and Netflix.

Obsidian: Requires $1,000,000 CRO, with the highest rewards, including premium subscription reimbursements, and 8% cashback on purchases.

• Cryptocurrency Support: The card supports various cryptocurrencies like Bitcoin (BTC), Ethereum (ETH), and CRO, and can be used at merchants worldwide where Visa cards are accepted.

Cost and Fees

• No Annual or Spending Fees: There are no annual or transaction fees for the card.
• ATM Withdrawals: Free withdrawals are limited to a certain amount per month, ranging from $200 (Midnight Blue) to $1,000 (Obsidian). Additional withdrawals may incur fees.
• Topping Up: Users can top up the card with bank transfers, credit/debit cards, or cryptocurrency, though cryptocurrency is converted to fiat for spending. There may be additional fees depending on the funding method and location. Note that users cannot transfer funds back to their fiat wallet once they top up their Crypto.com card.
• Network Transaction Fees: Standard transaction fees apply when transferring cryptocurrency off the platform, including a 0.1% fee for transactions via the Lightning Network.

You can read our full Crypto.com review here.

Gnosis Pay Card

The Gnosis Pay Card is a self-custodial crypto debit card connected to an on-chain wallet, allowing users to spend their digital assets anywhere Visa cards are accepted. The card is supported by Monerium, a fiat infrastructure provider, enabling users to pay directly from their blockchain address without additional fees.

Key Features

• Self-Custodial Wallet: Users maintain full control over their assets with a self-custodial wallet.
• Cash-Back: Users can get up to 5% cashback when they pay with GNO, Gnosis Pay's native token. 
• Fee-Free: No transaction fees, foreign exchange fees, or off-ramping fees. Gas fees are also eliminated, making it a cost-effective option for crypto users.
• Customizable: Users can personalize the card with an Ethereum Name Service (ENS) identity and receive exclusive OG NFTs as early adopters.
• Availability: The card is available in over 30 European countries, including the UK, France, Belgium, and Spain.

Cost and Fees

• Initial Cost: There is an initial fee of €30.23 for the card, but there are no maintenance or annual fees.

BitPay Card

The BitPay Card is a crypto debit card designed to let U.S. residents spend their cryptocurrency directly, without needing to convert it to fiat first. Currently, new applications for the BitPay Card are paused as the program undergoes improvements, but users can join the waitlist for updates.

Key Features

• Fund from Crypto Wallets: Users can add funds to the BitPay Card directly from the BitPay Wallet or their Coinbase account.
• Accepted Worldwide: The card works anywhere major debit cards are accepted, both in-store and online. It can also be used at ATMs to convert cryptocurrencies into cash.
• Supports Multiple Cryptos: In addition to Bitcoin and Ethereum, the BitPay Card supports Litecoin, Polygon, Bitcoin Cash and many others.
• Gift Cards: Users can convert crypto into gift cards for popular brands and retailers, giving them more flexibility in how they spend their digital assets.
• Swap Crypto: The BitPay app allows users to swap their crypto for stablecoins like USDC, offering a stable alternative for transactions.
• Cashback Rewards: The BitPay Card offers automatic cashback, powered by Dosh, for purchases made at participating merchants. Users can view available offers in the rewards section of the BitPay app.

Cost and Fees

• No Annual Fees: The BitPay Card has no annual fees, and while it can be used globally, there may be some transaction fees, such as for ATM withdrawals.

Closing Thoughts

Crypto debit cards are a major step toward the mass adoption of cryptocurrencies, bridging the gap between digital assets and everyday spending. These cards offer users the ability to easily convert their crypto holdings into fiat currency, making it possible to pay for groceries, coffee, or even international travel using Bitcoin, Ethereum, and other cryptocurrencies.

With options like cashback rewards, multi-currency support, and enhanced security features, crypto debit cards provide a practical and incentivized way to use digital assets in daily life.

Ultimately, as the cryptocurrency market continues to grow and innovate, crypto debit cards will likely become even more accessible and feature-rich. For crypto enthusiasts and mainstream users alike, these tools represent an important step in making cryptocurrency a truly practical and global financial solution.