Some of these crypto cards also allow you to earn interest on Crypto held in your account. You can convert Crypto to fiat and withdraw Crypto in the form of fiat at ATMs. It also enables you to pay for goods and services at merchant stores where Visa and MasterCard are accepted. Following is a handpicked list of Top Debit/Credit Card with Bitcoin Reward with their popular features, pros and cons, key statistics, and website links. The list contains open-source (free) and commercial (paid) software.
Best Bitcoin Debit/Credit Card
1) Uphold – Cashback in XRP at 4%
The Uphold card rewards you 4% paid in XRP on every purchase made using their virtual or physical card. The card allows you to spend over 200 digital assets. The card can be connected to both Apple and Google pay and can be used for free with no fees whatsoever.
Features:
0% foreign transaction fees, unlike most banks Supports 200 different cryptocurrencies Earn crypto on every transaction Easily select which asset you want to spend
Key Specs:
Reason Chosen: 4% XRP cashback Crypto Currencies Supported: Bitcoin, Litecoin, Ether, Ripple, DOT, XLM plus 200 more Rewards: 4% cashback paid in XRP Fees: No annual fee Funding method: Bank wire, debit, crypto transfer, Apple Pay, Google Pay etc Account minimum: $0 Card Type: Mastercard Debit/Credit: Prepaid Debit Cards Supported Countries: Anywhere Mastercard is accepted
Visit Uphold »
2) Crypto.com – Best for Visa Card offers flexible top-ups using crypto
Crypto.com offers seven metal Visa debit cards that you can use to spend over 90 cryptocurrencies and 20+ fiat currencies anywhere when Visa card is accepted. It also offers discounts on cash withdrawals from ATMs
Features:
Enables free ATM withdrawals up to $1,000 depending on the Card. Supports 55 different cryptocurrencies High-quality premium metal cards Offers discounts on cash withdrawals from ATMs
Key Specs:
Reason Chosen: Up to 100% back on popular streaming services and up to 8% back on regular purchases. Crypto Currencies Supported: Bitcoin, Litecoin, Ether, Ripple, PAX, TUSD, EOS, and XLM Rewards: Up to 8% cashback Fees: No annual fee Funding method: Bank wire, debit, crypto transfer, etc Account minimum: $0 Card Type: Visa Card Debit/Credit: Prepaid Debit Cards Supported Countries: Anywhere Visa is accepted
Visit Crypto.com »
3) CoinBase – Best for secure, easy-to-use, Visa-supported bitcoin card that converts multiple types of cryptocurrencies to local currency
Coinbase is one of the best crypto credit cards available in the market. It can be used in any place where a Visa card is accepted, supports up to nine different cryptocurrencies, and features robust security. Coinbase bitcoin card also offers several security and convenience features, including a mobile wallet apps, instant card freeze, spending tracking, and more.
Features:
You can convert all Crypto to USD allow merchants to purchase and make cash withdrawals on ATMs It makes crypto as spendable as the money in your bank Instant card freezing, world-class security using 2-step verification, PIN protection, Pay with contactless withdrawals to secure Crypto. Two-step verification, instant card freeze
Key Specs:
Reason Chosen: The Coinbase Card is a secure, easy-to-use, Visa-supported debit card that converts multiple types of cryptocurrencies. Crypto Currencies Supported: Bitcoin, Ethereum, and Litecoin, and requires cardholders to have a Coinbase account. – 9 Rewards: 4% cashback Fees: 2.49% – as cryptocurrency liquidation fees Account minimum: No account minimum. Card Type: Visa Debit/Credit: Debit Card Supported Countries: Anywhere Visa is accepted
Visit CoinBase »
4) Nexo – Let’s you spend while holding your cryptocurrency
Nexo MasterCard physical bitcoin card enables you to take crypto loans off up to US$2 million on your crypto holdings. It allows users to unlock the value of digital assets while keeping their upside potential.
Features:
2% cash back rewards on purchases or spending with your crypto reward credit card You can exchange the world’s most popular coins from any device It allows you to pay loan interest in Crypto or fiat You will get the payments in local currencies Borrow Cash Against Your Crypto You can create virtual cards for safer online usage of the Card
Key Specs:
Crypto Currencies Supported: Bitcoin, Ethereum, Ripple, and 14 other digital assets. Rewards: 2% cashback across the board Fees: There are no annual or monthly fees and no application fees. Funding method: Bank transfer Account minimum: There is no minimum account balance required. Card Type: Visa and Master card Debit/Credit: Debit Card Supported Countries: Accepted worldwide by over 40 million merchants.
Visit Nexo »
5) Binance – Best for Bitcoin rewards rate increases from 1.5% to 2% after $50,000 of spend.
Binance offers one of the best Crypto Card With which you can spend at more than 60 million merchants worldwide. The Binance card is an ideal option for you if you hold a good number of BNBs. In Binance, cashback is calculated based on the number of BNBs you hold.
Features:
Not charge any administrative or processing fees It helps you to protect the highest security standards available at Binance. You can hold Crypto and exchange only when you need to. Hold crypto in your Binance Funding Wallet The highest security standards protect Binance Card funds
Key Specs:
Crypto Currencies Supported: Binance Coin Rewards: 8% cashback Fees: Up to a 0.9% transaction fee for transactions and ATM withdrawals Funding method: Bank transfer. Account minimum: No account minimum. Card Type: Visa Debit/Credit: Crypto Debit Card Supported Countries: Austria, Belgium, Bulgaria, Croatia, Republic of Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Gibraltar, Greece.
Visit Binance »
6) Gemini – Best Rewards rate increases from 1.5% to 2% after $50,000 of spend
Gemini offers a crypto credit card that automatically enables you to earn crypto rewards. It is one of the s best crypto rewards cards available in Bitcoin and 30+ other cryptocurrencies, and it allows you to freeze the Card instantly from the app, track expenses, etc.
Features:
Instant rewards the moment you swipe It is one of the best crypto rewards credit cards that can be purchased with your Gemini Credit Card anywhere in the world Black, silver, and rose gold metal cards It provides 24/7 live agent support. Near-instant access to the Card after application
Key Specs:
Reason Chosen: Your crypto rewards are automatically and instantly deposited into your Gemini account. Crypto Currencies Supported: Bitcoin (BTC), Ether (ETH), Litecoin (LTC), Bitcoin Cash (BCH), Zcash (ZEC), Filecoin (FIL), Dogecoin (DOGE), Tezos (XTZ) Rewards: Offers 3% cash back on dining purchases, 2% on groceries, and 1% on other purchases. Fees: No annual, foreign transaction, or foreign transaction fees. Funding method: Bank transfer. Account minimum: Does not have any minimum account balance. Card Type: Master Card Debit/Credit: Bitcoin Credit Card Supported Countries: USA, Brazil, Peru, Cyprus, Denmark, Switzerland, UK, Singapore, Bhutan, India, etc.
Visit Gemini »
7) Sofi – It allows you to cash in on Crypto
SoFi is one of the best crypto reward credit cards that allow users to earn back rewards on purchases. It was launched SoFi Credit Card as a tool to increase more users.
Features:
Best for investors and holders. Earn 2 points per $1 spent You can earn $100 for opening SoFi Money or Invest account You can earn 2% cashback on purchases with the Card Allows you to cash in on Crypto
Key Specs:
Crypto Currencies Supported: Rewards: Earn 2% unlimited cash back when you redeem it Fees: It has no annual fees or no foreign transaction fees. However, charge $10 or 5% of each balance transfer and $10 or 5% of each cash advance. Funding method: Bank transfer Account minimum: $0 Card Type: Mastercard. Debit/Credit: Credit Card. Supported Countries: U.S. only
Link: https://www.sofi.com/credit-card/
8) Amon Card – Best for The Amon UnionPay Debit card offers great cashback, rewards, and interests
The Amon UnionPay Debit Card is a multi-currency card that allows you to spend in GBP and EUR over 1.7M stores in 179 countries. It is one of the first Debit cards to have Artificial Intelligence in wallet management. It gives you access to your Amon Wallet, and you can trade different currencies swiftly. The card is designed to merge the funds and assets in one wallet.
Features:
The UnionPay Debit card comes in four different card tiers. Provides 0.5% to 3% of cashback on each trade or purchase. The funds are protected with cold storage and multi-signature. Allows you to earn up to 12% yearly interest, which gets deposited directly in the wallet. It is regulated by Estonia’s Financial Intelligence Unit (FIU) with license number FVT000152. Debit card comes with an in-built cryptocurrency exchange.
Key Specs:
Crypto Currencies Supported: BTC, ETH, LTC, BCH, EOS, AMN, and XLM Rewards: Provides 0.5% to 3% of cashback Account minimum: None Card Type: UnionPay Debit/Credit: Debit card Supported Countries: 179 countries, including the USA, UK, Canada, China, India, etc
Visit Amon Card »
9) Crypterium – The Crypterium Card is available for free with no monthly maintenance fees if you meet minimum activity requirements
Crypterium provides virtual and plastic prepaid bitcoin debit cards topped with Crypto from the Crypterium wallet. You can use this crypto card to convert Crypto to fiat and spend it to purchase goods and services wherever VISA is accepted.
Features:
You can withdraw up to $2,976 per month with a VISA card. Best Card for regular shoppers It allows you to withdraw cash in over 200 countries globally and shop online & offline in over 42 million retailers. It is one of the best crypto credit cards that offers two factors authentication, touch id and face id support. Provides three types of cards – virtual, plastic, and full pack.
Key Specs:
Crypto Currencies Supported: Criterium, Ripple, Bitcoin, Ethereum, Litecoin, etc. Rewards: 3% Fees: $3.56 monthly maintenance fee that can be waivered. Funding method: PayIn, Bank account using wire transfer Account minimum: No minimum balance is needed Card Type: VISA Debit/Credit: Virtual and plastic Prepaid Debit Cards and crypto Rewards Credit Cards Supported Countries: Austria, Belgium, Canada, Denmark, Finland, France, Germany, Japan, Hungary, Malaysia, Mexico, Poland, Romania, South Africa, Spain, UK, USA, etc.
Link: https://crypterium.com/cards
10) Upgrade – Best for Instant access to your Card upon approval
The Upgrade is a crypto reward, Credit Card. It offers multiple crypto credit cards that allow you to make purchases and then pay down your balance in equal monthly instalments.
Features:
Earn unlimited 1.5% in Bitcoin on all purchases, Credit lines from $500 to $25,000. Chip Enabled Contactless Upgrade Card This crypto card combines features of credit cards and personal loans. Affordable monthly payments with no annual fee, You will get instant access to a virtual card upon approval.
Key Specs:
Crypto Currencies Supported: Bitcoin Crypto Credit Card Rewards: 1.5% back in Bitcoin purchases Funding method: Bank transfer and US dollar. Fees: $0 Account minimum: No minimum account balance. Card Type: Visa Debit/Credit: Credit Card
Visit Upgrade »
11) Bitpay – Best for It lets you reload your Card from your crypto wallet with no conversion fees charged by BitPay
Bitcoin is one of the best crypto cards that helps you convert Crypto into dollars with zero fees using the BitPay prepaid debit card. You can instantly purchase store credit and spend it at dozens of major retailers.
Features:
Let’s you spend your Crypto like cash It offers an option of paying with a contactless PIN or withdrawing cash from any compatible ATM Instantly reload your Card with no conversion fee You can convert Crypto into dollars with zero fees using the BitPay prepaid debit card
Key Specs:
Crypto Currencies Supported: Bitcoin and Ethereum. Crypto Rewards: None Fees: 3% foreign transaction fee and $2.50 ATM withdrawal fee. Funding method: Bank transfer Account minimum: No minimum balance. Card Type: Prepaid Master Card Debit/Credit: Debit Card Supported Countries: U.S.
Link: https://bitpay.com/card/
12) CoinZoom – Best for Earn weekly interest payments on select cryptocurrencies like Bitcoin
CoinZoom is a cryptocurrency exchange that supports 52 different cryptocurrencies, including the most popular options like Bitcoin and Ethereum. It also offers a Visa debit card that works with all its supported cryptocurrencies.
Features:
It allows you to link your debit bitcoin card to any cryptocurrency asset you hold through the CoinZoom app for purchases. Select, Preferred, Gold, Platinum, or Black; you’ll earn 1-5% back in Crypto on every purchase. It enables you to change the currency your Card uses at any time. All Crypto rewards credit cards work at ATMs and anywhere Visa is accepted.
Key Specs:
Crypto Currencies Supported: Bitcoin, DogeCoin, Dash, Ethereum, Litecoin, Shiba-Inu Coin, etc. Crypto Rewards: Up to 5% Fees: One-time $10 fee for most cards Funding method: Bank transfer Account minimum: No account minimum needed. Card Type: Visa Virtual Card Debit/Credit: Debit Card Supported Countries: US, AUS, Canada, and more.
Link: https://www.coinzoom.com/cards/
How to Select Crypto Credit Cards?
Here are a few important things to keep in mind when using a crypto credit card: Step 1) Correct Wallet Address for your Coins Always make sure that you have the correct wallet address for your coins – this is the address where your crypto coins will be sent once you make a purchase. Step 2) Check terms and conditions of Crypto Card Provider You should always double-check the terms and conditions of the card before signing up – some cards require users to undergo a verification process before using them. Step 3) Check the acceptance of your Crypto Card You need to make sure that the merchant accepts cryptocurrencies, and many merchants now accept Bitcoin, Ethereum, and other cryptocurrencies as payment. Step 4) Fees Bitcoin debit cards come with fees, including monthly maintenance, foreign transaction, and ATM withdrawal fees. Step 5) Rewards Many Bitcoin debit cards come with rewards like cryptocurrency cashback. These crypto rewards can seriously boost your earning potential. Therefore, it is good idea to look for cards with generous cash back. Step 6) Availability Some Bitcoin debit cards are only available in some geographic regions, such as the Europe or U.S. You should opt for a debit card that works where you live. Step 7) Supported Currencies You need to rembers that all Bitcoin debit cards support other currencies. Depends on upon what type of cryptocurrency you prefer, you should make sure to choose a card that supports it. Step 8) Read the Review of Crypto Cards Finally, be sure to read reviews of crypto credit or debit cards before deciding. This will help you understand what other customers think about the Card and whether it is a good fit for your needs.
FAQs
Following are the Best Crypto Credit/Debit Cards:
Uphold Crypto.com CoinBase Nexo Binance Gemini Sofi Amon Card Crypterium Upgrade Bitpay
Yes, Bitcoin debit cards are very secure. Most leading Bitcoin debit card providers use state-of-the-art security measures to protect your fund Some of the most common security features used by Bitcoin debit card providers include:
2-factor authentication (2FA) – This security measure requires you to enter two different pieces of information, such as a password and a PIN, to access your account. Secure socket layer (SSL) is a technology that encrypts all data transferred between your computer and the Bitcoin debit card provider’s servers. Customer credentials protected with firewalls – Your customer credentials (name, address, etc.) are protected by firewalls so that they cannot be accessed by anyone other than you.
Crypto credit cards function precisely like regular credit cards. You apply for the crypto card and, if approved, are given a set credit limit and need to pay off whatever limit given by the crypto card provider company. You will also earn crypto rewards when making purchases with the Card. Crypto debit cards allow you to spend the balance of your crypto holdings. Exactly like how you would with a normal debit card tied to a bank account with USD. Many crypto debit cards also enable you to earn crypto rewards for these purchases.
Best Bitcoin Debit/Credit Card
Research Methodology:
To select the best Bitcoin credit/debit cards, we looked at nearly a dozen Bitcoin debit cards for this review. We have made the following considerations before selecting any card:
Our first consideration was that it should be easy to use and create a seamless transition from cryptocurrency conversion to purchase or withdrawal. The next point we consider is security, so we make sure that we select cards that offer the highest level of security as traditional debit and credit cards and quick ways to freeze or cancel a card. The price can’t be a prime factor, but we highlighted a few cards with low to no fees and those that offered cashback and other rewards.
