Stablecoin & Crypto Cards Explained: Ultimate Crypto Card Guide for 2025

Satoshi’s vision for crypto (Bitcoin, per se) was to be used as a P2P value exchange medium. But crypto seems to have evolved into everything but that, so much so that when you find a way to ‘spend in crypto’, it feels like a eureka moment!

It’s ironic because while money has become digital, spending hasn’t really caught up with the innovation. That’s where stablecoin and crypto cards come in.

Also Read: What is Web3? The Ownership-Driven Decentralized Web

Crypto cards are meant to let you pay for everyday purchases, like coffee and fuel, with crypto at any merchant. The way they make it work is simple yet ingenious, and we’ll uncover it in this article.

Crypto cards are payment cards (like any other Visa or Mastercard branded cards) that let you spend cryptocurrencies (BTC, ETH, stablecoins, and more) at regular merchants similar to credit/debit cards.

Also Read: What Are Stablecoins?

Instead of paying directly in crypto or stablecoins, these cards typically convert your crypto into fiat (like USD, EUR, or INR) at the time of the transaction. Some cards let you manually top up with converted fiat, while others offer real-time crypto-to-fiat conversion.

For the technical geek in you, these cards tokenize funds inside a custodial ledger. They enable seamless spending and integration with traditional financial systems so users can enjoy zero-to-low fees, instant settlement, and rewards paid in BTC, ETH, stablecoins, or even native tokens like CRO or NEXO.

Depending on how the wallet linked to a crypto card is controlled, they can be put in two buckets:

1. Custodial crypto cards
2. Non-custodial crypto cards

Also Read: Custodial Wallets vs Non-Custodial Wallets: Control or Convenience?

This is the most common type of crypto card today.

Here, you hold your crypto in a wallet or account controlled by the card provider (usually a centralized exchange or fintech platform). When you make a purchase, the provider automatically converts the required amount of crypto into fiat and settles the transaction instantly.

Crypto.com Visa Card and Coinbase Card are popular examples.

A newer generation of cards focused on giving users more control.

These cards connect to wallets you control (e.g., MetaMask, Ledger, or mobile self-custody wallets). Some require you to preload fiat by manually converting crypto, while others offer real-time settlement using on-chain assets or stablecoins.

Monolith (now inactive, but was a pioneer), and Plutus (hybrid model) are examples.

Based on mainstream usage, crypto cards are of three types:

1. Crypto credit cards
2. Crypto debit cards
3. Crypto pre-paid cards

Works like a traditional credit line but pays you in crypto. Spend in fiat now, repay later; rewards land instantly in your wallet. APRs, late fees, and identity verification requirements still apply.

Directly debits a linked cash account or exchange balance. No borrowing, no interest—just real-time crypto-to-fiat swaps. Great for budgeting and avoiding debt.

Load a set amount via top-up (crypto or fiat). Ideal for travel or online shopping when you want dollar-level spending control and easy card freezing/unfreezing.

The main benefit of crypto cards is that they turn your blockchain assets into money that can be spent anytime, anywhere.

Additionally, stablecoin cards let you enjoy rewards, liquidity, and potential gains all in one swipe. They’re a practical choice for global shoppers, reward seekers, and those wanting to keep their crypto assets active while spending.

Also Read: How To Earn Passive Income With Stablecoins

For the first time, you can stop taking screenshots of your crypto profits and get to using them IRL.

You can tap or swipe at any merchant (buy groceries, coffee, flowers, or an apology card for your wife) regardless of whether or not they accept crypto because the card takes care of the conversion behind the scenes.

One of the greatest selling points of a decentralized currency is that it is borderless. That means it can be spent and settled regardless of geopolitical barriers. Now, what if the same capability could be expanded to a Visa/Mastercard-branded card?

Crypto and stablecoin cards tend to have incredible benefits for international shoppers including low Forex fees.

Traditional banks bake 3-5% currency mark-ups into every swipe abroad. Most crypto cards pull live on-chain rates instead, so you pay a near-spot FX price and dodge extra “foreign transaction fees.”

Frequent-traveler threads are a use case where crypto sidesteps FX hassles without added complexity.

Top-tier products now pay up to 10% back in BTC, USDT, or native tokens on everyday categories like groceries, gas, or even ATM withdrawals. 

Bybit and WhiteBIT Nova currently top the reward-gifting leaderboard, beating the 1-2% norm on fiat cards and proving high-yield (~10%) crypto cashback isn’t just marketing fluff.

Also Read: What is USDT?

Credit-mode cards such as Nexo let you collateralize BTC/ETH, borrow ~2.9% APR, and earn daily compound interest on the rest of your balance. You get liquidity for everyday purchases without triggering a taxable sale or missing out on upside potential.

Categories are usually flat versus tiered, such as EV charging or dining. For example, issuers publish tiered cashback rates from 0% up to 5% on Crypto.com cards. Gemini Credit Card offers up to 4% instant crypto back on purchases. Bybit’s card issues up to 10% cashback and loyalty vouchers

Such involves zero fees on domestic purchases and clear FX mark-ups. For example, Coinbase Cards has no spending or annual fees, but it charges network gas fees. Nexo’s debit mode has no monthly or inactivity fees; credit mode starts at 2.9% APR. Bybit card charges a 0.5% foreign exchange fee plus a 0.9% conversion fee.

Policy aspects include free limits per month, PIN change capability, and surcharge refunds.

Crypto.com cards offer free ATM withdrawals of $200 to $1,000 per month. Nexo offers €2,000 or £1,800 monthly (with a 2% fee afterward). Bybit provides free withdrawals up to a certain limit, then charges a 2% fee.

Crypto.com gives better rewards and lounge access with CRO staking. Nexo boosts daily interest and cashback based on your NEXO stake. Cardholders can pick token requirements that fit their investment goals.

Availability in your jurisdiction, speed of KYC verification, and support for virtual cards. Coinbase now offers its card in Europe, the UK, and the US with instant activation. Nexo is opening accounts for EEA and UK residents after basic KYC checks. 

PRO TIP: Niche platforms like CryptoCardHub act as solutions to match 40+ different cards as per criteria and regions.

Source: Gemini

The Gemini Credit Card is issued by WebBank and powered by Mastercard. Launched in 2022 by the Gemini cryptocurrency exchange, it allows cardholders to earn up to 4% back in Bitcoin, Ethereum, or over 50 other cryptocurrencies available on the Gemini platform.

With no annual fee and a sleek metal design, the card integrates seamlessly with a Gemini account, automatically depositing rewards in real-time. It’s an appealing option for crypto enthusiasts and beginners looking to build a crypto portfolio through daily spending, though rewards are subject to the volatility of the crypto market. The card is available to residents of all 50 U.S. states and Puerto Rico.

Best Features

• Earn 4% back on gas, EV charging, transit, taxis, and rideshares (up to $200-$300 per month, depending on the source, then 1% thereafter; spend cycle refreshes monthly)
• Earn 3% back on dining (restaurants, fast food, bars, and nightclubs)
• Earn 2% back on groceries (traditional grocery stores and specialty food stores, excluding wholesale clubs, bakeries, and candy stores)
• Earn 1% back on all other purchases

Eligibility Criteria

• Available only to residents of all 50 U.S. states and Puerto Rico
• A credit score typically in the good to excellent range (FICO score of approximately 670 or higher)
• Must have or create a Gemini exchange account to receive and manage crypto rewards

How to Apply for Gemini Credit Card

1. Go to the Gemini Credit Card section on gemini.com/credit-card
2. Check eligibility through a soft credit pull (this doesn’t affect your credit score)
3. If prequalified, proceed with the full application, which requires additional details and triggers a hard credit inquiry
4. Ensure you have a Gemini exchange account, or one will be created during the process to manage rewards
5. Upon approval, add the card to your mobile wallet (Apple Pay, Google Pay) for immediate use (the physical metal card will be mailed to you)
6. Once received, activate the card via the Gemini app or website

Fees and Charges

• Annual Fee: $0
• Foreign Transaction Fee: $0, making it ideal for international purchases
• APR: Variable APR of 17.24% to 29.24%, based on creditworthiness. No introductory APR offers are available
• Late Payment Fee: Up to $8
• Returned Payment Fee: Up to $35
• Cash Advance Fee: Either $10 or 3% of each cash advance, whichever is greater
• Crypto Transaction Fees: No exchange fees for receiving crypto rewards. However, fees may apply when selling or converting crypto rewards on the Gemini platform (specific fees depend on the transaction and are not detailed in the card terms)

Source: Nexo

The Nexo Card, issued by Mastercard in partnership with Nexo and DiPocket, is a crypto-backed card that operates in both credit and debit modes. It was launched in 2022 and can be used at over 100 million merchants worldwide.

The card offers up to 2% cashback in NEXO Tokens or 0.5% in Bitcoin, supports over 40 cryptocurrencies Cashbacks are credited automatically to your Nexo account and higher cashback rates are tied to loyalty tiers (Platinum users get the maximum).

It is currently available only to residents of the European Economic Area (EEA) and the United Kingdom, with plans for future expansion.

Nexo Card usres fall in one of three tiers (Base, Silver, Gold, Platinum) based on NEXO Token holdings (e.g., 10% of portfolio for Platinum). Users unlock higher cashback, lower borrowing rates (as low as 2.9%), and more free withdrawals as the progress through the tiers. Note that UK residents cannot earn cashback.

Best Features

• Switch between credit and debit modes instantly via the Nexo app for maximum flexibility.
• Earn up to 2% cashback in NEXO Tokens or 0.5% in Bitcoin on all purchases.
• Up to $200 monthly cashback in Credit Mode, depending on tier.
• No fees for ordering, activating, or maintaining the card, and no account inactivity fees, making it cost-effective for long-term use.
• Up to 10 free ATM withdrawals per month (Platinum tier)
• ATM withdrawal limits of €10,000 monthly, €2,000 daily, and €600 per transaction.
• Free foreign transactions up to €20,000 per month (Platinum tier), with a 0.5% fee thereafter.

Eligibility Criteria

• Available only to residents of the European Economic Area (EEA) and the United Kingdom. Not available in the United States or other non-EEA regions.
• Virtual Card: Minimum portfolio balance of $50 in crypto assets.
• Physical Card: Portfolio balance of at least $500, with at least 10% in NEXO Tokens.
• No credit check is required for Credit Mode, as it uses crypto collateral.

How to Apply for Nexo Card

1. Visit nexo.com or download the Nexo app (on iOS/Android) and sign up.
2. Complete KYC identity verification, which requires a valid phone number from an eligible EEA region.
3. Deposit crypto assets (minimum $50 for a virtual card, $500 with 10% in NEXO Tokens for a physical card) to your Nexo wallet.
4. Order the Card:
   1. In the Nexo app, navigate to the “Card” tab and select “Order Card.”
   2. Choose between a virtual or physical card, confirm your details, and submit the request.
5. Upon approval, activate the virtual card instantly (or after receiving if ordered physical card) via the app and add it to Apple Pay or Google Pay for immediate use.
6. Set your preferred mode (Credit or Debit), choose reward type (NEXO Tokens or Bitcoin), and prioritize assets for spending.

Fees and Charges

• Annual Fee: $0 for ordering, activation, or maintenance.
• Foreign Transaction Fee: Free up to €20,000 per month (Platinum tier), then 0.5% per transaction. Fees may vary by day or tier.
• ATM Withdrawal Fee: €1.99 or 2% (minimum €1.99/£1.99) per withdrawal after 10 free withdrawals.
• Credit Mode Interest: 0% to 15.9% APR, based on LTV ratio and loyalty tier (e.g., 0% for Platinum with LTV <20%).
• Debit Mode Conversion Fee: Crypto-to-fiat conversion costs ~0.75%, lower than the ~1.8% average for other crypto cards.

Source: Scroll

The Ether.fi Cash Card is a crypto-native Visa credit card launched by Ether.fi, a DeFi platform on Ethereum, with Scroll as its settlement layer. Introduced in beta in September 2024 and fully released in April 2025, it allows users to spend their crypto assets (ETH, BTC, USDC, or stablecoins) without selling them, leveraging a non-custodial Gnosis Safe for full control.

The card supports borrowing against crypto collateral with no monthly minimum repayments.

Funds remain in a Gnosis Safe, a secure, user-controlled wallet, ensuring you retain full custody of your crypto. Unlike traditional crypto cards, no funds are held by a third party, and spending limits are set on-chain via the Ether.fi app.

Best Features

• Non-custodial spending
• Earn 3% cashback in Scroll tokens on every purchase
• Cardholders earn 3,000 Cash Points per $1,000 spent
• Unlock perks like lounge access, concierge services, and VIP crypto conference tickets with higher tiers (Core, VIP, Chad, Whale)
• No minimum monthly repayments in Borrow Mode

Eligibility Criteria

• Available in Hong Kong, UK, UAE, Thailand, Brazil, Turkey, France, Germany, Italy, Portugal, Spain, Denmark, Poland, Czech Republic, and others (tentative list).
• Restricted in the U.S. (e.g., Arizona, Delaware, Georgia, and 17 other states) and countries like Estonia, Finland, India, Indonesia, Malaysia, Netherlands, South Africa, and Turkey due to regulatory or FATF blacklist constraints.
• Requires an Ether.fi Club membership
• A minimum crypto balance is implied to use Borrow Mode or fund the card
• Borrowing is collateralized by crypto assets, so no traditional credit score is required

How to Apply for Ether.fi Cash Card

1. Create an Ether.fi account on https://www.ether.fi/sign-up and join the Club membership. Complete KYC verification.
2. Deposit crypto (ETH, BTC, USDC, or stablecoins) into your Ether.fi non-custodial Gnosis Safe wallet via the app or web platform.
3. In the Ether.fi app, navigate to the “Cash” section and request a virtual or physical card. Virtual cards are issued instantly; physical cards require a mailing address.
4. Upon approval, add the virtual card to Apple Pay or Google Pay by selecting “Add to Wallet” in the app. Physical cards ship within weeks.
5. Activate the card via the app, set spending limits, and choose cashback preferences (Scroll tokens or swapped assets). Manage features like card freezing or PIN changes on-chain.

Fees and Charges

• Annual Fee: $0, no joining or maintenance fees.
• Foreign Exchange Fee: 1% on non-USD purchases.
• ATM Withdrawal Fee: 2% per withdrawal, with a daily limit of $10,000 and three withdrawals.
• Borrowing Rate: 0% APR (promotional until early 2026), then tied to AAVE market rates plus a small percentage.
• Crypto Conversion Fees: No gas or off-ramp fees for transactions, thanks to Scroll’s layer-2 efficiency.

Source: Coinbase

The Coinbase Card is a Visa debit card offered by Coinbase, the largest U.S.-based cryptocurrency exchange, allowing users to spend their crypto or USD balance at over 40 million merchants worldwide.

Launched in the U.S. in 2021 after a European debut in 2020, it’s issued by Pathward, N.A., and enables seamless crypto-to-fiat conversion at the point of sale.

It’s designed for crypto enthusiasts looking to integrate digital assets intoeveryday spending without annual fees.

Best Features

• Earn up to 4% cashback in cryptocurrencies on every purchase
• Accepted at over 40 million Visa merchants worldwide
• Instant crypto-to-fiat conversion ensures merchants receive local currency
• Includes two-factor authentication (2FA), instant card freezing, PIN reset, and Visa’s Zero Liability Policy for unauthorized transactions
• Withdraw up to $1,000 daily with no Coinbase ATM fees

Eligibility Criteria

• Available to Coinbase customers in the U.S. (excluding Hawaii) and select European countries
• Must have a verified Coinbase account with completed KYC
• Must maintain a balance in USD, USDC, or supported cryptocurrencies in your Coinbase wallet to fund purchases

How to Apply for Coinbase Card

1. Visit https://coinbase.com/card
2. Select “Apply Now” and follow prompts to provide required information
3. Deposit USD via bank transfer (ACH is free) or crypto to your Coinbase wallet
4. Upon approval, a virtual card is available instantly for Apple Pay/Google Pay. The physical card arrives in 7-10 business days. Activate it via the app by selecting “Enable physical card!”

Fees and Charges

• Annual Fee: $0, no issuance or maintenance fees.
• Transaction Fees: No fees for spending USD or USDC.
• Conversion Fee: 2.49% crypto conversion fee when spending cryptocurrencies (e.g., BTC, ETH) due to real-time conversion to USD.
• Foreign Transaction Fees: 3% fee for non-USD transactions, plus the 2.49% crypto conversion fee if spending crypto (total 5.49%).
• ATM Withdrawal Fees: Free up to $200 monthly (domestic and international). Beyond $200, 1% for domestic and 2% for international withdrawals. ATM operator surcharges may apply.

Source: Bybit

The Bybit Card is a crypto-backed Mastercard debit card launched by Bybit, a leading cryptocurrency exchange, in 2023. It lets users to spend cryptocurrencies like BTC, ETH, USDT, USDC, and others directly from their Bybit Funding Account at merchants worldwide.

Available in virtual and physical formats, the card offers up to 10% cashback in points (redeemable for crypto bonuses, coupons, or merchandise) and integrates seamlessly with Bybit’s ecosystem.

Best Features

• Earn 2% cashback for entry-level users, capped at 10 EUR/month
• Earn up to 10% cashback in points for VIP users (minimum 100,000 USD account balance or 10M USD monthly trading volume)
• Spend BTC, ETH, XRP, USDT, USDC, TON, MNT, BNB, or fiat (EUR, GBP) from your Bybit Funding Account
• Multi-Asset Spending feature can automatically convert secondary assets if the primary crypto is depleted
• 2FA, real-time transaction notifications, fraud monitoring, and app-based controls (freeze/unfreeze, PIN reset)
• Higher VIP tiers (based on asset balance or trading volume) unlock better cashback

Eligibility Criteria

• Available in Australia, Argentina, Brazil, Chile, Hong Kong, Saudi Arabia, South Africa, Taiwan, and EEA countries (excluding Croatia, Iceland, Ireland, Liechtenstein, Romania).
• U.S., UK, and other regions are unsupported at the time of writing.
• Must have a verified Bybit account with Level 2 KYC (identity and address verification).
• Bybit may reject applications based on internal risk assessments. Appeals are possible via a submission form.

How to Apply for Bybit Card

1. Visit https://www.bybitglobal.com/en/cards, choose your country of residence from supported regions, and click on “Get Your Card”.
2. Submit proof of identity (e.g., passport, ID) and proof of address (e.g., utility bill).
3. Verify your email and set up 2FA.
4. Upon approval, receive a virtual card instantly for online purchases or Apple Pay/Google Pay.
5. You can request a physical card from the app, providing a shipping address matching your verified address.
6. Activate the physical card via the app.

Fees and Charges

• Annual Fee: $0, no inactivity or cancellation fees.
• Card Issuance Fee: Free for virtual card; 5 EUR/GBP/USDT for physical card issuance or replacement.
• Crypto Conversion Fee: 0.9% per transaction (on top of spot trading fees, ~0.1%) for crypto-to-fiat conversions.
• Foreign Exchange Fee: 0.5% (EEA), 1% (Australia), or 7% (Argentina) on top of Mastercard’s exchange rate for non-native currency transactions.
• ATM Withdrawal Fee: Free up to 100 EUR/GBP monthly, then 2% per withdrawal. Third-party ATM operator fees may apply.
• One-Click Buy Fee: ~1% for direct crypto purchases via Bybit’s One-Click Buy, increasing transaction costs.

Source: Gnosis

The Gnosis Pay Card is a self-custodial Visa debit card launched in 2023 by Gnosis Pay, a decentralized payment network built on the Gnosis Chain, an Ethereum sidechain.

Issued by Monavate Limited, it allows users to spend cryptocurrencies (EURe for EEA users, GBPe for UK users) directly from their non-custodial Safe wallet at over 80 million Visa merchants worldwide.

The card is also powered by Gelato Relay. Som transactions on Gnosis Chain’s Layer 2 incur near-zero gas fees, enhancing cost efficiency.

Best Features

• Funds are stored in a user-controlled Safe smart account on the Gnosis Chain, ensuring full ownership
• Earn 1% cashback with 0.1-1 GNO held, 2% for 1-10 GNO, 3% for 10-100 GNO, and 4% for over 100 GNO
• Holders of Gnosis Pay OG NFTs get an additional 1%, up to 5%. Cashback is distributed weekly, capped at 1,000 EUR monthly (20,000 EUR eligible spend)
• Spend EURe (EEA) or GBPe (UK) with 0% conversion fees, only minimal gas fees on the Gnosis Chain (<$0.001 per transaction)
• Link a personal IBAN for SEPA transfers
• Daily spending limit up to 8,000 EUR

Eligibility Criteria

• Available in 32 European countries.
• Expansion planned for Brazil, U.S., Indonesia, Mexico.
• Not available in restricted countries like the UAE or FATF-blacklisted regions
• Requires an active Gnosis Pay account with completed KYC verification
• Must connect an EVM-compatible wallet (e.g., MetaMask, Zeal, Rainbow) to a Gnosis Pay Safe account
• Hold EURe (EEA) or GBPe (UK) in your Safe wallet for spending
• GNO tokens (minimum 0.1) are required for cashback eligibility

How to Apply for Gnosis Pay Card

1. Visit https://gnosispay.com/card, click “Get my card”, and sign up for an account
2. Link a wallet (e.g., MetaMask, Zeal) to the Gnosis Chain (RPC: https://rpc.gnosischain.com/, Chain ID: 100, Symbol: xDAI). Add EURe (Contract: 0xcB444e90D8198415266c6a2724b7900fb12FC56E) if not supported by default.
3. Transfer EUR via SEPA to your Monerium IBAN or bridge crypto from Ethereum mainnet to Gnosis Chain using the Cnosis bridge.
4. Swap to EURe or GBPe and top up xDAI (~$10) for gas fees via Cow Swap.
5. In the dashboard, go to the “Card” section, select “Order Card,” and pay 30.23 EUR. Provide a shipping address matching your KYC details.

Fees and Charges

• Card Issuance Fee: 30.23 EUR for physical card (virtual card is free)
• Annual Fees: $0, no maintenance or inactivity fees.
• Crypto-to-Fiat Conversion Fee: 0% (gas fees applicable as per on-chain activity)
• Foreign Exchange Fee: 0% when spending in local currency (e.g., EUR in Germany for UK cardholders)
• ATM Withdrawal Fees: Free up to 200 EUR monthly, then 3.5% (7 EUR per 200 EUR withdrawn domestically, ~13 EUR internationally)

Source: Medium

The Kast Card is a Visa-backed debit card launched in 2023 by Kast, a Singapore-based fintech platform focused on bridging DeFi and traditional finance. It lets users spend stablecoins (USDT, USDC, USDe) and cryptocurrencies across over 100 million Visa merchants and ATMs worldwide, without a traditional bank account.

The Solana x Kast Card Series includes unique options like the free Solana Card (virtual), Solana Illuma (10 SOL, light-up metal), Solana Gold (50 SOL, gold-plated, 888 units), and Solana Solid (solid gold, 88 units, 2-year fee-free). PayFi allows borrowing up to 60% of staked SOL interest-free for spending.

Best Features

• Earn 2–6% Kast Points on all spending with the K Card ($20/year) and 5–12% with the X Card ($1,000/year)
• Points are redeemable for crypto bonuses, coupons, or merchandise in Kast’s Rewards Market
• Premium tiers (e.g., Founders Card, $10,000/year) offer higher rewards and benefits like free card replacements
• Get a virtual card in under two minutes after KYC, usable instantly with mobile wallets
• Ideal for unbanked users, as it relies solely on your Kast wallet balance
• Funds are held in a fully reserved Custodian Wallet, not by third parties.

Eligibility Criteria

• Available in over 150 countries, including the U.S., Europe, Asia, Latin America (e.g., Argentina, Brazil), Australia, and New Zealand
• Not available in India, China, or FATF-blacklisted countries
• Requires a verified Kast account with Level 2 KYC
• Must hold USDT, USDC, USDe, or supported crypto in your Kast Custodian Wallet

How to Apply for Kast Card

1. Install the Kast app from the App Store (iOS) or Google Play (Android)
2. Sign up with an email, complete KYC
3. Transfer stablecoins (USDT, USDC, USDe) or crypto to your Kast Custodian Wallet
4. In the app, navigate to the “Card” section, select “Apply for Card,” and choose between virtual (free) or physical (K Card: $20, X Card: $250–$1,000, Solana series: 10–50 SOL or higher)
5. Virtual card is issued instantly post-KYC, linkable to Apple Pay/Google Pay. Physical cards require activation via the app after delivery (7–10 days).

Fees and Charges

• Card Issuance Fee:

• Virtual K Card: Free (one per user, additional cards $20 each).
• Physical K Card: $20 annually.
• X Card: $1,000 annually; additional physical X Cards $250 each.
• Solana Series: Solana Card (free virtual), Solana Illuma (10 SOL), Solana Gold (50 SOL), Solana Solid (inquire for pricing, 2-year fee-free).
• Transaction Fees: 2% spread on each transaction and 25-cent fee for transactions under $25
• Foreign Exchange Fees: ~1% for non-USD transactions (e.g., SEPA transfers free, but bank partners may charge FX fees for unsupported currencies)
• Interest: 0% interest on all purchases (subject to future changes)

Source: LinkedIn

The Rain Card is a Visa-backed, crypto-native debit card launched in 2023 by Rain in partnership with Signify Holdings, Inc. The card enables businesses and individuals to spend stablecoins (e.g., USDC, SBC) directly from their on-chain wallets at over 100 million Visa merchants worldwide.

Rain card targets crypto-native teams and businesses with customizable corporate card programs.

Best Features

• Non-custodial spending means funds remain in your on-chain wallet (Rain doesn’t hold your assets)
• Currently offers 0% interest on all purchases (Rain reserves the right to introduce interest later)
• Businesses can create tailored card programs with unique spending limits, multi-user templates, and bookkeeper integration
• Supports corporate expenses like travel and subscriptions
• Spend Brale-issued stablecoins, like SBC, USDC
• Supports multisig wallets, advanced encryption, and real-time transaction tracking

Eligibility Criteria

• Available in over 100 countries, but not for individual cardholders in the U.S. (corporate programs may be available in select U.S. states)
• Restricted in FATF-blacklisted countries
• Requires a verified Rain account with KYC
• Must hold supported stablecoins (e.g., USDC, SBC) in an Ethereum or Polygon wallet
• Active-duty U.S. Armed Forces members and dependents are ineligible

How to Apply for Rain Card

1. Visit https://www.rain.xyz and create an account
2. Link an EVM-compatible wallet holds USDC, SBC, or supported tokens
3. Transfer stablecoins to your connected wallet via Ethereum or Polygon. Bridge assets if needed (e.g., from Binance Smart Chain to Polygon)
4. In the Rain dashboard, navigate to the “Card” section and select “Apply for Card.” Choose virtual (instant) or physical (ships in 7–10 days)

Fees and Charges

• Annual/Maintenance Fees: $0, no inactivity or dormancy fees.
• Transaction Fees: 0% crypto-to-fiat conversion fees (network gas fees as applicable)
• Corporate Subscription Fees: Businesses pay a subscription fee for card programs

Source: SORA

The SORA Card is a Mastercard-backed debit card launched in 2023 by the SORA community. SORA is a decentralized economic system built on the SORA blockchain with interoperability to Polkadot, Kusama (a testnet), and Ethereum networks.

SORA card integrates a self-custodial crypto wallet, a European IBAN, and neobanking features, allowing users to spend XOR (SORA’s native token) or fiat (EUR) at over 90 million Mastercard merchants worldwide.

Best Features

• Funds are stored in a non-custodial SORA wallet
• Provides a European IBAN for SEPA transfers
• Supports direct XOR-to-EUR conversion for spending
• Daily spending limit of 8,000 EUR
• Transaction data is shared only with the IBAN issuer and Mastercard, not third-party banks or public ledgers
• Uses SumSub for KYC, military-grade encryption, and real-time transaction monitoring

Eligibility Criteria

• Available to residents of EEA countries and select non-EEA countries (full list here)
• The U.S. Residency, not nationality, determines eligibility (e.g., a Russian with a French residence permit qualifies)
• Requires a verified SORA account via the SORA Wallet app with KYC

How to Apply for SORA Card

1. Install the SORA Wallet app, create an account and store your seed phrase
2. In the app’s KYC section, enter your phone number, verify via SMS code, input your full name, and confirm your email via a magic link
3. Hold €100 worth of XOR (buy up to €700 in-app with soft KYC) for a free application, or pay €20 via Visa, Mastercard, Discover, Diners Club, or JCB
4. Go to Settings > Add Accounts > New Consumer Account. Click the “Order” button to request a virtual card. Provide a shipping address for the physical card

Fees and Charges

• Annual/Maintenance Fees: $0 for first 5,000 applicants for two years; otherwise, usage-based fees apply (details at soracard.com/fees).
• KYC Fee: Free with €100 XOR balance, €20 without XOR, and additional KYC attempts are €3.80 each

Source: Crypto.com

The Crypto.com Visa Card is a prepaid debit card offered by Crypto.com. Issued by Foris MT Limited (Malta) or Community Federal Savings Bank (U.S.), it supports funding with over 100 cryptocurrencies (e.g., BTC, ETH, CRO, USDT) or fiat (USD, EUR, GBP), with real-time conversion to fiat at the point of sale.

The card is available in multiple tiers (Midnight Blue, Ruby Steel, Royal Indigo/Jade Green, Icy White/Frosted Rose Gold, Obsidian), and offers up to 8% cashback in CRO (Crypto.com’s native token), subscription rebates, and travel perks, depending on the tier. Icy White/Obsidian tiers een waive FX fees.

Best Features

• Earn 1–8% cashback in CRO based on tier:Midnight Blue: 1% (no stake)
  • Ruby Steel: 2% ($400 CRO stake)
  • Royal Indigo/Jade Green: 3% ($4,000 CRO stake)
  • Icy White/Frosted Rose Gold: 5% ($40,000 CRO stake)
  • Obsidian: 8% ($400,000 CRO stake)
• Cashback is credited instantly to your Crypto.com CRO Wallet, redeemable for crypto, fiat, or NFTs
• 100% reimbursement for Spotify ($12.99/month, Ruby Steel+), Netflix ($13.99/month, Royal Indigo+), and Amazon Prime ($12.99/month, Icy White+) for six months (lower tiers) or ongoing (higher tiers)
• Obsidian offers Expedia (up to $50/month) and Airbnb (up to $100/month) credits
• Royal Indigo+ tiers include LoungeKey airport lounge access (4 visits/year for Royal Indigo/Jade Green, unlimited for higher tiers with one guest). Obsidian offers private jet partnerships.
• Top up with crypto (BTC, ETH, CRO, USDT, etc.), fiat via bank transfer (ACH free in U.S.), or credit/debit cards
• Free up to monthly ATM withdrawal limits of $200 for Midnight Blue, $400 for Ruby Steel, $800 for Royal Indigo/Jade Green, and $1,000 for Icy White/Obsidian
• Multi-asset spending prioritizes your chosen crypto
• Higher tiers (Ruby Steel+) feature heavy metal cards (e.g., stainless steel, gold-plated)

Eligibility Criteria

• Available in the U.S. (excluding Hawaii), Singapore, Canada, EU/UK, and select APAC countries
• Requires a verified Crypto.com App account with KYC
• CRO Staking (for Higher Tiers):
  • Midnight Blue: $0 CRO stake
  • Ruby Steel: $400 CRO stake
  • Royal Indigo/Jade Green: $4,000 CRO stake
  • Icy White/Frosted Rose Gold: $40,000 CRO stake
  • Obsidian: $400,000 CRO stake
• Stakes are locked for 365 days to unlock tier benefits
• No credit score or staking required for Midnight Blue tier

How to Apply for Crypto.com Visa Card

1. Install the Crypto.com app, sign up with an email, and complete KYC
2. Navigate to the “Card” tab in the app, choose your tier, and review staking requirements
3. For tiers above Midnight Blue, purchase and stake the required CRO amount via the app’s CRO Wallet
4. Apply for a virtual card (instant issuance) or physical card (optional, ships in 3–14 days depending on region: 3–7 days in Singapore, 7–14 days in U.S./EU)

Fees and Charges

• Annual/Maintenance Fees: $0 for all tiers
• Inactivity Fee: $4.95/month after 12 months of no activity, waived upon resuming use.
• Card Issuance Fee: Free
• Card Replacement Fee: $50 for lost/stolen card reissuance or tier upgrades

• Top-Up Fees:

• Crypto/fiat from Crypto.com account: 0%.
• Credit card top-up: 2%.
• Debit card top-up: 1%.
• Foreign Transaction Fees: 0% for EUR/GBP transactions in EU/UK; 0.2% for non-EUR/GBP in Europe; 2% for non-USD/EUR/GBP globally (all purchases/ATM withdrawals)
• ATM Withdrawal Fees: . 2% fee beyond the free limits
• Crypto Conversion Fees: 0% for Crypto.com wallet top-ups, but a 0.1% Lightning Network fee or network fees apply for off-platform crypto transfers

Source: Fina

The Fina Prepaid Card is a web3 Visa prepaid debit card launched by Fina.cash, a DeFi platform integrated with the Secret Network (SCRT). The card was first introduced in beta in March 2023 and fully launched in February 2024.

The Fina prepaid card allows users to spend major cryptocurrencies (e.g., SCRT, sSCRT, SILK) directly from non-custodial wallets at over 80 million Visa merchants worldwide. It emphasizes user control, privacy, and seamless spending without third-party custodians, with top-ups processed in under a minute.

Best Features

• Funds are never held by Fina (non-custodial)
• Supported cryptocurrencies are converted to EUR at spot prices with a 1% load fee
• Top-ups take under a minute
• Integrates with Fina Wallet and Validator, supporting IBC assets, staking, and governance on the Secret Network
• A €100 refundable deposit secures the card, returned upon account closure

Eligibility Criteria

• Available globally, except in restricted jurisdictions (e.g., U.S., Russia, Iran, FATF-blacklisted countries)
• Requires a verified Fina.cash account with KYC
• Users must stake $2,000 worth of FINA tokens in the Fina staking contract to apply for the card
• An EVM-compatible wallet (e.g., Keplr, Fina Wallet) connected to the Secret Network (Chain ID: 100) with SCRT, sSCRT, SILK, or other supported tokens for top-ups

How to Apply for Fina Prepaid Card

1. Visit app.fina.cash or download the Fina Wallet app (iOS/Android)
2. Sign up with an email and complete KYC
3. Link a Keplr or Fina Wallet to the Secret Network
4. Stake $2,000 worth of FINA tokens in the Fina staking contract via the app
5. In the Fina Card Portal (app.fina.cash), select “Apply for Card.” Pay a €100 refundable deposit

Fees and Charges

• Annual/Maintenance Fees: $0, no inactivity or dormancy fees
• Load Fee: 1% per crypto top-up (e.g., SCRT to EUR).
• Refundable Deposit: €100, refunded upon account closure in SCRT (equivalent EUR value).
• Crypto-to-Fiat Conversion Fee: Included in the 1% load fee; no additional conversion fees

Source: Revolut

The Revolut Crypto Card is a prepaid Visa or Mastercard debit card (depending on region) offered by Revolut, a UK-based fintech platform with over 60 million global users.

Launched in 2024, it allows users to spend cryptocurrencies directly from their Revolut crypto wallet at over 80 million Visa/Mastercard merchants worldwide, with real-time conversion to fiat at the point of sale.

The card is part of Revolut’s tiered plans (Standard, Plus, Premium, Metal, Ultra), with no annual fees for Standard users and enhanced perks for paid plans.

Best Features

• Automatic conversion to fiat at real-time exchange rates
• Users can select a single token or “all crypto accounts” for deductions (highest balance first)
• Zero exchange fees for crypto-to-fiat transactions during spending
• Disposable virtual cards generate new details per transaction for enhanced privacy
• Earn 1 RevPoint per £1/€1/$1 spent (Premium: 1 per £4, Ultra: higher rates)
• Redeem for airline miles, accommodation, or crypto bonuses
• Ultra users get up to £5,000 in annual benefits, including lounge access
• Advanced fraud protection, 2FA, and app-based controls
• Disposable cards prevent vendor tracing
• Free withdrawals up to £200/month for Standard, £400 for Plus, £800 Premium, £2,000 for Metal, and £3,000 for Ultra
• Fee-free exchanges up to £1,000/month for Standard, £3,000 for Plus and unlimited for Premium/Metal/Ultra

Eligibility Criteria

• Available in the UK, EEA
• Requires a verified Revolut account with KYC
• Must hold supported cryptocurrencies (e.g., BTC, ETH, USDT) or fiat in Revolut wallet

How to Apply for Revolut Crypto Card

1. Install the Revolut app from the App Store (iOS) or Google Play (Android).
2. Sign up with your phone number and email, complete KYC
3. Deposit crypto (e.g., BTC, USDT) via external wallet transfers or buy in-app
4. Go to the “Cards” section, select “Add New,” and choose a virtual or physical card
5. In card settings, select a specific crypto token or “all crypto accounts” for spending
6. Activate via the app, link to Apple Pay/Google Pay, and set spending limits

Fees and Charges

• Card Issuance Fee:

• Virtual cards are free
• Physical card delivery cost ~£5 (Standard, waived for Premium+ if not canceled within 14 days)
• Additional Card Issuance Fee: £5–10 + delivery
• Express Card Delivery Fee: ~£12–20.

• Annual/Maintenance Fees:

• £0 for Standard
• £3.99/month for Plus
• £7.99 for Premium
• £14.99 for Metal
• £45 for Ultra
• Inactivity fee: $4.95/month after 12 months for Standard tier
• Crypto-to-Fiat Conversion Fee: 0% for spending via card
• Fair Usage Fees: Crypto-to-fiat exchanges beyond limits (£1,000/month Standard, £3,000 Plus) is 1% (Standard), 0.5% (Plus)

• Crypto Transaction Fees:

• Buying/selling crypto costs 1.49% (Standard/Plus, minimum £0.99–£1.99 by region), 0.99% (Premium/Metal/Ultra)
• No fees for USDT/USDC-to-fiat exchanges
• Crypto Withdrawals To External Wallets: Network fee (varies by blockchain) + Revolut service fee (variable, shown in-app)
• ATM Withdrawal Fees: 2% after free limits (minimum £1)
• Weekend Currency Markup: 0.5% (major currencies), 1% (others)
• Card top-ups via non-EEA/commercial cards: small fee (shown in-app)

Crypto Card	Type of Card	Fees/Charges	Best Suited For
Gemini Credit Card	Credit	$0 annual fee, up to 29.24% APR, $8 late fee	U.S. users wanting up to 4% crypto rewards with no annual fee
Nexo Card (Credit Mode)	Credit	$0 annual fee, up to 2.9% APR, 0.5%-2% ATM fees	EEA/UK users wanting flexible credit/debit with cashback in crypto
Ether.fi Cash Card	Credit	$0 annual fee, 1% FX fee, 2% ATM fee	Non-custodial DeFi users across UK, EU, Asia who want privacy and cashback
Coinbase Card	Debit	$0 annual fee, 2.49% crypto conversion fee, 3% FX fee	U.S./EU Coinbase users looking to spend crypto easily
Bybit Card	Debit	0.9% crypto conversion, 0.5%-7% FX fee, 2% ATM fee	Active Bybit traders in EEA, LATAM, Asia who want rewards
Gnosis Pay Card	Debit	30.23 EUR issuance, 0% FX fee, 3.5% ATM fee after limits	EU self-custody users holding GNO, spending EURe/GBPe
Kast Card	Debit	$20–$1,000/year, 2% spread, ~1% FX fee	Global users (excl. India/China) wanting tiered Solana-branded card rewards
Rain Card	Debit	$0 annual fee, 0% transaction fees, business subscription may apply	Businesses in 100+ countries wanting stablecoin expense control
SORA Card	Debit	$0 for 2 years (first 5K users), fees apply after	EEA crypto users needing self-custodial debit + IBAN features
Crypto.com Visa	Pre-Paid	$0 annual fee, 0-2% FX fee, CRO staking required for tiers	Global users looking for tiered rewards via CRO staking
Fina Prepaid Card	Pre-Paid	1% top-up fee, €100 refundable deposit	Global DeFi users on Secret Network valuing privacy & speed
Revolut Crypto Card	Pre-Paid	£0–£45/month (based on plan), 0% card conversion, 1% weekend markup	UK/EEA users already in Revolut ecosystem wanting crypto spend

 

1. Are there crypto credit cards?

Yes, there are crypto credit cards and crypto debit cards. Some work like traditional credit cards and let you borrow against your crypto, while most are prepaid or debit cards. Gemini, Nexo, and Ether.fi crypto credit cards are popular examples.

 

2. What crypto card is the best?

The “best” crypto card depends on your needs. If you want cashback in crypto, the Crypto.com Visa is popular. For U.S. users, Coinbase Card is easy to use. For serious crypto rewards and borrowing, Nexo Card is worth considering.

 

3. How do I apply for a crypto card?

You can apply directly through the issuing platform’s app or website. You’ll typically need to:

• Sign up or log in to your crypto account (e.g., Crypto.com, Coinbase)
• Complete KYC (ID verification)
• Choose your card tier and fund your account
• Wait for the card to be issued (virtual instantly, physical in a few days)

4. Is the Crypto.com card worth it?

If you’re comfortable staking CRO and travel enough to use lounge perks, the mid-to-high tiers deliver strong value. Otherwise, the Midnight Blue tier offers limited benefits with no costs.

5. Which is the best crypto card?

There’s no one-size-fits-all answer, but popular picks include:

• Crypto.com Visa Card is great if you stake CRO and travel frequently
• Coinbase Card is easy for U.S. users with direct crypto spending
• Nexo Card is lets you spend without selling crypto and earn rewards
• Gnosis Pay Card is best for fee-free DeFi spending

6. What is a crypto card?

A crypto card is a physical or virtual card that lets you spend your crypto or earn rewards in crypto. It connects your crypto wallet to a payment network like Visa or Mastercard, enabling you to use crypto at millions of merchants.

7. Is the crypto card worth it?

It can be, especially if you’re already into crypto. You can earn rewards in Bitcoin or other tokens, avoid currency conversion fees, and use your digital assets in daily life. Just watch for fees, staking requirements, and regional restrictions.

8. How can I get a crypto card?

Pick a trusted platform (like Crypto.com, Coinbase, Nexo, or Kast), create an account, complete KYC, and request a card through their app. Once approved, you’ll get a virtual card instantly and a physical one shortly after.