Are you a cryptocurrency enthusiast looking for a way to conveniently spend your digital assets in the real world? Crypto debit cards bridge the gap between blockchain technology and everyday transactions, allowing you to use your crypto just like traditional money.
In this guide, we’ll explore the top 6 crypto debit cards available today, highlighting their unique features, benefits, and potential drawbacks. Whether you're seeking cashback rewards, low fees, or global accessibility, there’s a card tailored to your needs.
🔹 Why Use a Crypto Debit Card?
- Spend crypto anywhere Visa/Mastercard is accepted
- Earn cashback and loyalty rewards
- Avoid complex conversion processes
- Enhanced security compared to traditional cards
Top 6 Crypto Debit Cards Compared
| Rank | Card Name | Key Feature | Cashback | Fees | Availability |
|------|-------------------------|---------------------------------|----------|--------------------------|----------------------|
| 1 | Bybit Card | Zero annual fees | Up to 10% | 1% FX fee, 0.9% crypto conversion | EEA, Australia |
| 2 | Coinbase Card | No monthly fees | Up to 4% | Spread on crypto trades | US, UK, EEA |
| 3 | KuCoin Card | Apple/Google Pay support | Up to 4.7% | €9.99 issuance fee | Select EEA countries |
| 4 | CEX.IO Card | 200+ supported cryptos | None | No annual/fx fees | EEA |
| 5 | Crypto.com Card | Tiered rewards (5 cards) | Up to 8% | 1% top-up fee | US, UK, EU, etc. |
| 6 | Wirex Card | Fee-free ATM withdrawals | Up to 8% | ATM fees post-limit | UK, EEA, APAC |
1. Bybit Card - Zero Annual Fees
Rank: #1 out of 6
✅ Pros:
- Zero annual fees
- Up to 10% cashback
- High spending limits
- Works with 90M+ Mastercard merchants
❌ Cons:
- Limited crypto support (BTC, ETH, XRP, USDT, USDC)
Best for: Traders in Europe/Australia seeking low-cost spending.
👉 How to Apply:
- Complete KYC on Bybit.
- Link your crypto wallet.
- Request a virtual/physical card (€5 issuance fee for physical).
💡 Tip: VIP users enjoy higher cashback rates and reward multipliers.
2. Coinbase Card - Basically No Fees
Rank: #2 out of 6
✅ Pros:
- 4% cashback in rotating cryptos (XLM, BTC, ETH)
- No monthly fees
- Visa-powered global acceptance
❌ Cons:
- US-only for full features
- Requires KYC
Best for: Coinbase users wanting seamless crypto-to-fiat spending.
📌 Note: Rewards rotate monthly—check the app for current offers.
3. KuCoin Card - Earn Up to 4.7% Cashback
Rank: #3 out of 6
✅ Pros:
- 4.7% cashback in USDT/BTC/ETH
- Apple Pay/Google Pay integration
- Instant crypto-to-EUR conversion
❌ Cons:
- €9.99 issuance fee
Best for: KuCoin traders in eligible EEA countries.
🔹 Rewards: Earn vouchers, gift cards, and airport lounge access.
4. CEX.IO Card - 200+ Supported Cryptocurrencies
Rank: #4 out of 6
✅ Pros:
- 200+ cryptos supported
- No annual/FX fees
- Free virtual card
❌ Cons:
- No cashback (yet)
Best for: Users needing multi-crypto flexibility.
📢 Upcoming: Physical card expected soon.
5. Crypto.com Card - 5 Tiers Available
Rank: #5 out of 6
✅ Pros:
- Up to 8% cashback (Obsidian tier)
- Free Spotify/Netflix (higher tiers)
❌ Cons:
- High CRO staking requirements
Best for: Long-term Crypto.com investors.
💎 Top Tier: Stake €350,000+ in CRO for Obsidian benefits.
6. Wirex Card - Up to 8% Cashback
Rank: #6 out of 6
✅ Pros:
- 8% cashback in WXT token
- Fee-free ATM withdrawals (up to $200)
❌ Cons:
- High crypto conversion fees
Best for: Frequent travelers needing fee-free FX.
🌍 Availability: 30+ countries, including UK and Singapore.
FAQ: Crypto Debit Cards
1. How do crypto debit cards work?
They convert your crypto to fiat at the point of sale, allowing you to spend at Visa/Mastercard merchants.
2. Are crypto debit cards anonymous?
No—most require KYC verification for compliance.
3. Do crypto debit cards have fees?
Some charge issuance, ATM, or conversion fees. Compare options to minimize costs.
4. Can I use a crypto debit card worldwide?
Yes, if the card provider supports your region.
5. Which card offers the highest cashback?
Bybit Card (10%) and Wirex Card (8%) lead the pack.
Final Thoughts
Choosing the best crypto debit card depends on your priorities:
- Low fees? → Bybit Card
- Cashback? → Wirex Card
- Global travel? → CEX.IO Card
👉 Compare all options side-by-side to find your perfect match!
Disclaimer: Crypto debit cards may trigger taxable events—consult a financial advisor.