As global cryptocurrency infrastructure matures, users increasingly demand "real-world usability" for their on-chain assets. Crypto payment cards (often called "U Cards") have emerged as a solution to bridge this gap, offering seamless integration between digital assets and everyday spending.
Key Features of Modern Crypto Payment Cards
Today's crypto payment cards offer diverse functionalities:
- Direct integration with mobile payment apps
- Stablecoin loans collateralized by Bitcoin
- Cashback rewards in crypto or fiat
- Chain-native asset compatibility
This guide explores 10 leading crypto payment cards, comparing their:
- Application requirements
- Supported assets
- Fee structures
- Reward mechanisms
- On-chain interaction capabilities
Top Crypto Payment Cards Comparison
1. Bybit Card
Key Features:
- Virtual Mastercard
- No address proof required for Australian version
- 5-7 business day processing
- Default currency: USD
Usage:
- Compatible with Apple/Google Pay
- Global Mastercard acceptance
- Recent restrictions on Alipay/WeChat Pay
Fees:
- Transaction fee: 0.9%-3%
- Currency conversion fees may apply
2. Bitget Card
Key Features:
- Virtual debit card
- Supports UnionPay/Mastercard
- Singapore-based issuer
- VIP-only access (30,000 USDT minimum)
Usage:
- Apple/Google Pay compatible
- Works globally with Mastercard
Fees:
- Transaction fee: 0.9%-3%
- Additional charges for currency conversion
3. SafePal Card
Key Features:
- Requires Arbitrum ETH for NFT minting
- Comes with Fiat24 bank account
- Supports EUR/USD/CHF/CNY
Usage:
- Full banking services
- International transfers
Fees:
- 1%-3% transaction fee
- 1% withdrawal fee
4. Morph Black Card
Premium Features:
- Physical metal card (22g)
- Potential token airdrops
- $100M daily limit
- Private concierge services
Fees:
- 0.3% exchange fee
- No annual fee
5. Infini Card
Options:
- Meow Card (Mastercard, RMB-focused)
- Rabbit Card (Visa, USD subscriptions)
Fees:
- 0.8% transaction fee
- 1%-1.5% cross-border fee
Specialty:
- Supports adult content platforms
- Coming physical card option
6. Coinbase Card
Best For:
- US/EEA residents
- Fee-free spending
- Direct USDC payments
Features:
No fees on:
- Transactions
- ATM withdrawals
- Conversions
7. Nexo Card
Credit Features:
- True credit functionality
- Dynamic cashback (0.5%-2%)
- Weekend foreign currency fee: +0.5%
Requirements:
- EEA/UK residency
- Address proof needed
8. RedotPay Card
Unique Aspects:
- VISA network
- Binance Pay integration
- No annual fee
Fees:
- 1.2% foreign transaction
- 2% ATM withdrawal
- 1% processing fee
9. MetaMask Card
Web3 Features:
- Supports USDC/USDT/wETH
- Linea network only
- 1% USDC cashback
Coming Soon:
- Physical metal card
10. 1inch Card
Loan Features:
- BTC/ETH collateral
- Stablecoin borrowing
- 2% crypto cashback
Fees:
- 2% spending fee
- 1.75% conversion fee
FAQ Section
Q: Which card has the lowest fees?
A: Coinbase Card offers completely fee-free transactions for eligible users.
Q: Can I get a physical crypto card?
A: Yes, Morph Black and RedotPay offer physical card options.
Q: Which cards work with Alipay/WeChat Pay?
A: Bitget, SafePal, and some versions of Bybit cards currently support these payment methods.
Q: What's the easiest card to get approved for?
A: Bybit's Australian virtual card has relatively simple approval requirements.
Q: Which card offers the best rewards?
A: Nexo Card provides up to 2% cashback for premium users.
Q: Can I use these cards for online subscriptions?
A: Rabbit Card specifically targets subscription services like Netflix and AWS.
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