7 Best Bitcoin Debit Cards Compared For 2023

    Kevin Groves
    Posted by: Kevin GrovesUpdated Feb 18th, 2023

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    With the price of Bitcoin breaking new highs this year, investors are looking for ways to cash out of Bitcoin and use it to buy online, in-store, or, withdraw cash from ATMs. This guide will review and compare the most popular Bitcoin debit cards for buying goods and services or even paying bills. Our assessment will evaluate the top Bitcoin debit card (also called crypto debit card) on the market that can be loaded with Bitcoin, cryptocurrency, stablecoins, and even fiat currency.

    Best Crypto Debit Card For 2023

    Based on our reviews, these are the top crypto debit cards for 2022.

    1. Binance VISA Card (best for cashback)
    2. Crypto.com VISA Card (best for rewards)
    3. BitPay (best for USA)
    4. Coinbase Card (best for beginners)
    5. NEXO Card (best for cash purchases)
    6. Uphold (best for ease of use)
    7. Wirex (best for Europe)

    What Is A Bitcoin Debit Card?

    A Bitcoin debit card is a prepaid debit card that is funded using a Bitcoin wallet. The card can be topped up by buying Bitcoin (or other cryptocurrencies) using an exchange or cryptocurrency provider. The debit card is linked to either Mastercard or VISA card which are popular payment companies that can be used by thousands of merchants worldwide. The Bitcoin held on the card is converted to fiat currency (e.g. USD, GBP, EUR, AUD etc.) which is processed like a normal bank card transaction to spend on everyday items, goods, services and even pay bills with Bitcoin.

    Best Debit Cards For Crypto Reviewed

    1. Binance VISA Card - Best Crypto Debit Card For Cash Backs

    Binance is a digital currency exchange that was founded in July 2017 after a successful ICO that raised 15 million. Binance is widely regarded as the best cryptocurrency trading platform for altcoins in the world as is constantly ranked #1 based on traffic, liquidity, trading volumes reported for its spot and derivatives markets. The company has launched its own Binance card which is a VISA debit card that allows users to convert digital currencies into fiat at supported merchants.

    binance visa cardbinance visa card

    The Binance Card is powered by Swipe and works like a traditional debit card. However, instead of loading the card with fiat currency, the card holds digital assets like BTC, BNB, SXP, and BUSD which can be linked to the Binance Spot Wallet to replenish funds. The cryptocurrency held on the Binance card is converted to local currency automatically at the point of sale machine anywhere VISA is accepted worldwide. A major drawback with the Binance Card is the 0.9% transaction fee on purchases at the point of sale machine and using ATM's to withdraw fiat currency.

    The amount of crypto cashback rewards that can be earned with the Binance VISA debit card depends on the amount of BNB coins staked in a Binance wallet. The only downside with the Binance Debit card is the amount of BNB tokens to stake to unlock the maximum cashback bonus of 8%. 

    Related: How to buy BNB tokens.

    At least 6,000 BNB tokens which is the equivalent of $USD 270,000 at current prices need to be staked on the exchange which is a significant investment for the highest cashback offer. However, the exchange has recently offered the option to earn 1% cashback rewards for free without staking any Binance Coins.

    Binance Card Pros:
    • Backed by a highly-trusted and reputable company
    • Supported at more than 60M merchants worldwide
    • Card is free to apply and link to Binance Wallet
    • No annual, monthly admin or processing fees
    • Earn up to 8% cashback on purchases
    Binance Card Cons:
    • Must stake >6,000 BNB coins for 8% cashback
    • Limited number of cryptocurrency assets on card
    • Up to 0.9% fee for transactions and ATM withdrawals

    2. Crypto.com VISA Card - Best Crypto Debit Card For Rewards

    Crypto.com is a global digital asset service that offers a wide range of products on a beginner-friendly and intuitive mobile app. Its users can buy, trade, sell, store, earn, loan and pay bills using cryptocurrencies using its VISA Debit Card. Similar to Binance, customers that spend cryptocurrencies held on the card can earn cashback rewards on purchases up to 8%.

    crypto.com VISA cardscrypto.com VISA cards

    There are no setup charges or annual fees to use the Crypto.com pre-paid card to pay for goods and services. To apply for the Crypto.com VISA debit card, applicants must download the Crypto.com App, complete identity verification (KYC), purchase CRO tokens and stake the tokens.

    Depending on the amount of CRO tokens staked within a Crypto.com wallet, MCO VISA cardholders will receive different percentage cashback between 1% and 8% as follows:

    • Obsidian VISA Card: 2% to 8%
    • Icy White/Frosted Rose Gold VISA Card: 1.75% - 5%
    • Royal Indigo/Jade Green VISA Card: 1.5% - 3%
    • Ruby Steel VISA Card: 1% - 2%

    Customers that do not stake CRO tokens can still apply and use the Crypto.com card to earn a 1% cashback on purchases. However, are not eligible for additional benefits and card rebates which is a disadvantage for individuals that dot not have large amounts of CRO staked.

    Crypto.com Card Pros:
    • Can be topped up with crypto and fiat
    • Supported at more than 60M merchants worldwide
    • Wide range of crypto accepts can be transferred
    • No annual, monthly admin or processing fees
    • Earn up to 8% cashback on purchases
    Crypto.com Card Cons:
    • Must stake >5,000,000 CRO tokens for 8% cashback
    • 2% charge to withdraw cash from ATM

    3. BitPay Card - Best Crypto Debit Card For USA

    BitPay was founded in 2011 and is considered a pioneer in the Bitcoin and blockchain industry. The company aims to transform how businesses and people transfer and store money around the world. The launch of BitPay's prepaid Mastercard allows its users to load Bitcoin and the top cryptocurrencies and stablecoins on the card. The asset can then be converted into fiat currency (e.g. USD) to spend at millions of merchants worldwide where Mastercard is accepted. In addition, cardholders that make purchases will earn automatic rewards.

    There are 15 supported cryptocurrency assets that can be used on the prepaid card which include Bitcoin, Ethereum, Litecoin, Dogecoin, Shiba Inu Coin, Bitcoin Cash, XRP, Dai, USD Coin, Binance USD, Wrapped Bitcoin, Pax Dollar, Gemini Dollar, ApeCoin and Euro Coin. Moreover, BitPay supports various ERC-20 token payments on the Polygon network.

    bitpay card websitebitpay card website

    Cardholders can pay with a contactless, PIN or even withdraw cash up to $6,000 per day from a compatible ATM. In terms of limits, the BitPay card can spend up to $10,000 per day with a $25,000 maximum balance limit. When it comes to withdrawing cash from an ATM, up to 3 withdrawals per day can be made at $2,000 per request which is very reasonable.

    The debit card is linked to the BitPay App which can be downloaded for iOS and Android devices to view balances and re-load funds. Moreover, the card can also be linked to a Coinbase Wallet which is convenient or funded with Apple Pay and Google Pay. To manage card expenses, there is the Bitpay mobile app that can be used to track purchases.

    To apply for the Bitpay crypto card, there are no credit checks or impact on credit score which makes it highly accessible. There are no annual or monthly fees. There are other fees including a foreign conversion and ATM surcharge, which is the only downside compared to the other products in this article. BitPay also provides a virtual card that can be used for online transactions immediately after approval in lieu of the physical card which is delivered for free.

    BitPay Card Pros:
    • Supports the top cryptocurrencies and stablecoins with new coins added regularly
    • No annual or monthly fees
    • Load from BitPay Wallet or Coinbase account
    • No credit checks or impact to credit score
    • $10,000 daily spending and load limit and $25,000 maximum balance limit
    BitPay Card Cons:
    • Card costs $10 to order from the BitPay App
    • 3% fee on international fiat currency conversions
    • Card available to USA customers only (all 50 states)
    • $2.50 ATM fee

    4. Coinbase Card - Best Debit Card For Beginners

    Coinbase is a cryptocurrency exchange headquartered in San Francisco, California that is widely considered one of the best crypto exchanges with over 20 Billion in total trading volume. The exchange offers various products and services to become a trusted partner in crypto financial services such as its own Bitcoin debit card called the 'Coinbase Card'.

    The Coinbase debit card works by linking the physical card directly to a Coinbase wallet to spend crypto or USDC funds. The stored cryptocurrency is converted to USD, GBP or EUR before completing a purchase or ATM withdrawal at any location around the world where VISA cards are accepted.

    coinbase cardcoinbase card

    Coinbase cardholders can earn rewards on purchases made with the card. For new cardholders, there is the option to select between receiving 4% XLM or 1% BTC on all purchases made. The rewards are not paid out automatically and can take between 1 and 5 days after the completed transaction to be deposited into the wallet.

    The card can also be linked to Google Pay to provide a fast, secure way to spend cryptocurrency and is regulated by the Financial Conduct Authority (FCA) for the issuing of electronic money and payments. Its ease of use and high-security features make it our choice as the best card overall for beginners.

    Coinbase Card Pros:
    • Card can be used at any location where VISA cards are accepted
    • Debit card can be linked to a mobile app to select which Coinbase wallet to use for purchases
    • Security features such as instant card freeze
    • Can obtain a virtual card and link to Google Pay
    • Reporting on purchase history, transaction receipts and instant notifcations
    Coinbase Card Cons:
    • Card. isonly available in the US, Europe and the UK
    • Cashback rewards are not paid automatically
    • 9% fee on all transactions is high
    • Card issuance fee in the UK and EU

    5. Nexo Card

    Nexo has unveiled a Bitcoin debit card for its users to spend the value of their crypto holdings like a traditional debit card. The card works slightly differently to the other crypto debit cards and is linked to the available balance from a line of credit. The card is funded when a user takes out a line of credit using a crypto-backed loan product. The major advantage of using borrowed money is that customers can spend the value of digital currencies without selling Bitcoin.

    Nexo cardNexo card

    The Nexo card is integrated with worldwide payment provider Mastercard allowing the debit card to be used at 40+ million merchants globally. Transactions made by the debit card are processed in the local fiat currency, allowing no foreign exchange conversion fees.

    Purchases made using the Nexo card offer a flat 2% instant cashback bonus. Unlike Binance and Crypto.com, the cashback is paid out on all transactions without having to stake any coins. Cardholders can choose to earn cashback rewards in Bitcoin or the platform's native Nexo tokens. Once a transaction is completed, the bonus is automatically paid directly to the Nexo account which can be invested to earn interest.

    Want to earn interest? Read this article on where to earn interest on cryptos.

    Nexo Card Pros:
    • Spend the value of Bitcoin without having to sell the asset using Nexo's instant crypto-backed loans
    • Physical or virtual card is supported at more than 40M merchants worldwide
    • Easily managed through the Nexo App with flexible repayment options
    • 2% cashback with all purchases, automatically paid in BTC or Nexo tokens
    • No monthly, annual fees or foreign conversion fees
    Nexo Card Cons:
    • Debit card cannot be freely topped up with Bitcoin or cash

    6. Uphold Debit Card

    Uphold is a multi-asset digital exchange that allows its customers to buy, trade, transfer, store and sell cryptocurrency, U.S. Stocks, precious metals and currencies in a single unified platform. Founded in 2015 and operating in more than 184 countries worldwide, Uphold has facilitated more than US$4+ billion in cryptocurrency transactions. Uphold has released its own debit card to allow its users to have the ability to pay for purchases using the asset of their choice (crypto, fiat or commodities).

    Uphold debit cardUphold debit card

    The Uphold debit card works like a normal debit card where payments for goods and services are made using funds from a bank account. Uphold users can complete payments using the asset of their choice (crypto, fiat currencies or precious metals) that are stored in their Uphold wallet. The benefits of the Uphold debit card include a earn 1% cashback and 2% crypto rewards on purchases.

    There are some fees to be aware of which include a one-off issuance fee of $9.95 and a $2.50 charge for withdrawals. Compared to other cards in this article, there are no payment surcharges or foreign transaction fees. The spending limits on the card are quite generous at $10,000 per day and $1,500 for cash withdrawals on a daily basis.

    Uphold Debit Card Pros:
    • Supports 46 cryptocurrencies and 23 national currencies
    • Can choose to pay with crypto, stocks, currencies or metals
    • Earn 1% back in USD for every USD transaction and 2% back in crypto
    • No foreign transaction or domestic purchase fees
    • Limit of up to $10,000 per day on purchases
    Uphold Debit Card Cons:
    • Card is available to customers in the United States only
    • Issuance fee of $9.95 to obtain the debit card

    7. Wirex Card - Best Crypto Debit Card For Europe

    Wirex is a well-known and reputable cryptocurrency app and payment card that gives complete control to its users to spend and receive crypto and traditional currency using a single card. The multicurrency Mastercard is the perfect companion for international travellers as it supports 16 fiat currencies and 10 cryptocurrencies such as Bitcoin, Ethereum and XRP.

    wirex card websitewirex card website

    The company was the first to launch a crypto-backed bank card in 2018 and has scaled the product to over 3.1 million customers worldwide. A major benefit of using the Wirex Bitcoin debit card is the ability to interchange fiat and cryptocurrencies stored on the card to use for everyday spending and bills and its high daily spending limits.

    Wirex Card Pros:
    • Supports 16 fiat currencies and 10 crypto assets such as Bitcoin (BTC)
    • Wirex card is available to use in over 130 countries
    • FCA regulated and licensed in multiple jurisdictions such as UK, Europe, Japan, Singapore etc.
    • Bitcoin and crypto spend limit up to $50,000/day
    • 24/7 customer service with live chat support
    Wirex Card Cons:
    • Wirex card has a 1% cryptocurrency top-up fee

    Cryptocurrency Debit Card Comparisons

    Our comparison table below provides an overview and comparison of the most popular Bitcoin debit cards on the market at the time of writing.

    Debit CardSupported CryptoPayment FeeATM Withdrawal FeeCashback BonusWebsiteOur Review


    4Up to 0.9%Up to 0.9%Up to 8%Visit BlockfiBinance Review


    90+None2%Up to 8%Visit Crypto.comCrypto.com Review
    bitpay logo


    13None$2.50YesVisit bitpay
    Coinbase Logo


    9+2.49%2.49%Up to 4%Visit CoinbaseCoinbase Review


    20NoneN/A2%Visit NexoNexo Review
    uphold logo


    46None$2.502%Visit UpholdUphold Review
    Wirex logo


    101%€2.25 plus 3% of transaction valueUp to 2%Visit WirexWirex Review

    Frequently Asked Questions

    A Bitcoin debit card is a pre-paid card that can be loaded with digital currencies from an online exchange or app to use for everyday spending online or in-store purchases. The transferred Bitcoin is automatically converted to fiat currency before reaching the card or at the point of sale machine.

    Bitcoin debit cards are integrated with Mastercard or VISA payment networks which allow the card to be used anywhere in the world Mastercard and VISA is accepted. Cardholders can spend the value of the stored Bitcoin or cryptocurrency for purchases online or in-store at millions of merchants worldwide that do not accept payments in Bitcoin directly. The card can also be used to withdraw cash from local ATM's that support Mastercard and VISA bank cards.

    Bitcoin is not a company and therefore does not issue a debit card. However, there are some financial providers and exchanges that offer pre-paid and debit card products that can store the actual Bitcoin asset or its value in a local fiat currency. Customers can use the card to spend Bitcoin on goods and services like a traditional bank card at millions of merchants where Mastercard and VISA is accepted.

    Bitcoin debit cards are generally offered on cryptocurrency exchanges or lending and borrowing platforms that custody digital assets such as Bitcoin. Customers that want to obtain a crypto debit card will need to register an account with the exchange, complete KYC verification and order the physical card. Once the card has arrived, it will need to be activated and linked to a Bitcoin wallet.

    To obtain a Bitcoin debit card, follow these steps:

    1. Open an account with a Bitcoin debit card provider such as Coinbase
    2. Complete identity verification and register for the debit card
    3. Activate the Bitcoin debit card and link to a Coinbase wallet
    4. Link the Coinbase wallet to the Bitcoin debit card
    5. Make purchases and spend crypto using the card

    Coinbase debit card currently does not support Apple Pay to spend digital currencies within a Coinbase wallet from iPhones. However, Android phone users can link their mobile devices to the Coinbase debit card and pay for goods and services using Google Pay.


    With an increasing number of providers offering Bitcoin debit cards, it can be difficult to know which ones are the best and offer value for money. Our assessment picked Binance as the best overall debit card. It is also a trustworthy, safe and secure platform. A close second for the best crypto card is the Crypto.com card which offers excellent perks and rewards.

    Kevin GrovesKevin GrovesKevin Groves

    Kevin started in the cryptocurrency space in 2016 and began investing in Bitcoin before exclusively trading digital currencies on various brokers, exchanges and trading platforms. He started HedgewithCrypto to publish informative guides about Bitcoin and share his experiences with using a variety of crypto exchanges around the world.

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