13 Best Bitcoin Debit Cards Compared

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This guide will review the most popular Bitcoin debit cards for purchasing goods and services or paying bills. Throughout our assessment, we will evaluate the best Bitcoin debit card (also called a crypto debit card) that can be loaded with Bitcoin, cryptocurrency, stablecoins, and even fiat currency, comparing each's fees, rewards, and availability.

Best Crypto Debit Card For 2023

Based on our reviews, these are the top crypto debit cards to use:

1. Binance VISA Card (best for cashback)
2. ByBit (best new Bitcoin debit card)
3. Crypto.com VISA Card (best for rewards)
4. BitPay (best crypto card for the USA)
5. NEXO Card (best for cash purchases)
6. Coinbase Card (best for beginners)
7. Uphold (best for ease of use)
8. Wirex (best for Europe)
9. UnBanked (best for free virtual cards)
10. CoinSpot (best for Australians)
11. Choise (best for mobile use)
12. Gemini (best crypto credit card)
13. Solar (best upcoming debit card)

Top Cryptocurrency Debit Cards Compared

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 Card	Supported Crypto	Payment Fee	ATM Withdrawal Fee	Cashback Bonus	Website	Our Review
Binance	15	Up to 0.9%	Up to 0.9%	Up to 8%	Visit Binance	Binance Review
Crypto.com	23	None	Up to 2%	Up to 5%	Visit Crypto.com	Crypto.com Review
ByBit	5	1%	None	Loyalty Program	Visit ByBit	ByBit Review
bitpay	17	None	$2.50	Up to 5%	Visit bitpay
Coinbase	243	2.49%	1.5%	Up to 4%	Visit Coinbase	Coinbase Review
Nexo	63	None	None	Up to 2%	Visit Nexo	Nexo Review
Uphold	250+	None (Spread cost)	$2.50	4%	Visit Uphold	Uphold Review
Wirex	68	2.99%	None	Up to 8%	Visit Wirex	Wirex Review
UnBanked	2	None	$10	Up to 6%	Visit UnBanked
CoinSpot	380	1%	1%	None	Visit CoinSpot	CoinSpot Review
Choise	30	2%	€3 + 1.6%	None	Visit Choise
Gemini	42+	Interest charged (credit)	Interest Charged	Up to 3%	Visit Gemini	Gemini Review
Solar (SWIPE)	Not available yet	Not available yet	Not available yet	Not available yet	Visit Solar (SWIPE)

Best Debit Cards For Crypto Reviewed

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

The Binance Card works like a traditional debit card and is powered by Swipe. However, instead of loading the card with fiat currency, the card holds 15 digital assets, including BTC, BNB, SXP, and BUSD, and 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. However, a significant drawback with the Binance Card is the 0.9% transaction fee on purchases and withdrawals. Thankfully there is no issuance fee, helping to offset some costs.

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%. Although the transaction fee for using the Binance Card is high, the rewards help to offset this cost, particularly for those holding significant sums of BNB.

Binance Card key details:

• 0.9% Transaction Fee
• 15 Supported Assets
• Up to 8% Cashback

Read our full Binance review.

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. Like Binance, customers who spend cryptocurrencies on the card can earn cashback rewards on purchases of up to 5%.

There are no annual fees to use the Crypto.com pre-paid card, but a $4.95 issuance fee applies. Furthermore, there are 2% ATM withdrawal fees when going above limits, a 1% to 2.99% top-up fee, and a $4.95 monthly inactivity fee after not using the card for 12 months.

To apply for the Crypto.com VISA debit card, applicants must download the Crypto.com App, complete identity verification (KYC), purchase, and stake CRO tokens (unless applying for a midnight blue card). Depending on the amount of CRO tokens staked within a Crypto.com wallet, MCO VISA cardholders will receive a percentage of cashback between 1% and 5% as follows:

Customers who do not stake CRO tokens can still apply and use the Crypto.com card. However, they are not eligible for additional benefits and card rebates which is a disadvantage for individuals that do not hold large amounts of CRO. As such, the card is mostly recommended for those already invested in CRO.

The card can be funded using 23 cryptocurrencies, including ADA, BTC, and DOGE. Furthermore, users can add USD, EUR, GBP, or SGD to the card using PayPal or a debit/credit card.

Crypto.com Card key details:

• $4.95 issuance fee
• Variable rewards based on CRO staked
• 23 supported cryptos

Read our full Crypto.com review.

Bybit is a world-renowned crypto exchange that gained widespread popularity for its phenomenal performance and competitive fees. In February 2023, the company launched the Bybit Card, a flexible fiat off-ramp that utilizes Mastercard as its payment processor.

Although the Bybit Card only recently launched, it’s already enjoyed widespread acclaim thanks to its transparent pricing structure. Uniquely, the Bybit card does not have staking requirements. At present, there is only one version of the Bybit card available. However, the team is working on adding various VIP tiers, which will offer additional rewards versus the standard card.

While KYC-verified customers in the United Kingdom and Europe can register for a free Bybit virtual card, there is a small issuance fee of $10 for a physical variant that can be used for ATM withdrawals. However, the plastic card is currently pre-order only, with fulfillment expected to start in late April 2023.

To ensure its customers aren’t surprised by any unexpected fees, Bybit has opted for a simple pricing structure. Any transaction using the card incurs a 0.9% crypto conversion fee on top of Bybit’s 0.1% trading fee, bringing the total cost per transaction to 1%. Additionally, a foreign exchange fee of 0.5% is levied on all transactions made outside of the card currency.

Through the Bybit funding wallet, customers can add money to the card using five cryptocurrencies; Bitcoin, XRP, Ethereum, Tether, and USD Coin. Furthermore, the card supports GBP and EUR as its fiat currencies. However, the user must select one fiat currency and cryptocurrency for the card to support during the application process.

Bybit cardholders can earn loyalty points which customers can spend on various experiences and rewards provided by Bybit’s partners. While not much information on the loyalty program is available, it’s expected to work similarly to other points-based bank cards.

In short, the Bybit Card is an excellent option for customers looking to get in early with the newest crypto debit card. Although many of its features are in their early stages, based on its pricing structure and roadmap, we could see big things from the Bybit Card once physical versions roll out and the loyalty program is expanded.

Bybit Card key details:

• 1% Total Transaction Fee
• $10 Issuance Fee
• Loyalty Program
• Supports Five Cryptos and Two Fiat Currencies

Read our full Bybit review.

BitPay was founded in 2011 and is considered a Bitcoin and blockchain industry pioneer. Its prepaid Mastercard enables users to load Bitcoin and other top cryptocurrencies on the card. The asset can then be converted into fiat currency (e.g., USD) to spend at the millions of merchants worldwide where Mastercard is accepted. In addition, cardholders that make purchases will earn automatic rewards.

Unfortunately, there is no fixed reward amount, with cashback differing based on the retailer. Additionally, with the range of offers changing daily, it can be difficult to keep track of cashback earnings.

The BitPay card supports 8 cryptocurrencies, including Bitcoin, Ethereum, and Bitcoin Cash, as well as seven stablecoins, such as DAI, USDC, and BUSD. This is a smaller offering compared to the debit cards offered by Binance and Crypto.com which could be a limitation for some.

Cardholders can pay with contactless, a PIN, or even withdraw cash up to $6,000 daily 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 withdrawing cash from an ATM, up to 3 withdrawals per day can be made at $2,000 per request, which is very reasonable.

There are no credit checks or impact on credit score when applying for the Bitpay crypto card, making it highly accessible. While there are no annual fees or cost of issuing a card, ATM withdrawals cost $2.50, and foreign currency conversion fees are priced at 3% when used outside of the US. Furthermore, there is a $5 monthly fee if a user has been inactive for over 90 days.

Overall, the BitPay card is very versatile and operates like a traditional debit card, making it an excellent option for anyone looking for a simple, no-frills option. However, the lack of supported coins could be a limitation for those holding altcoins.

BitPay Card key details:

• 3% currency conversion fee
• Variable cashback rewards
• Support for 17 assets
• iOS and Android apps to check balances

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 from the other crypto debit cards, using a line of credit rather than directly selling cryptocurrency.

The card is funded when a user takes out a line of credit using a crypto-backed loan product. The advantage of using borrowed money is that customers can spend the value of digital currencies without selling Bitcoin while enjoying superior protection.

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.

To access a line of credit, the customer must pledge one of 63 supported cryptocurrencies. After that, Nexo will provide credit using one of 43 supported fiat currencies. The user then chooses when to pay back the loan.

Purchases 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. However, the 2% rate only applies when receiving rewards in the company's NEXO token. Bitcoin rewards offer a lower rate of 0.5%.

Rather than charging a fee per transaction, Nexo charges users an interest rate on their loaned funds. Rates vary from 0% to 13.9% based on loan timeframe, loan-to-value (LTV) ratio, and quantity. Although there is no fee for ordering a physical card, the customer must have gold loyalty status and a portfolio worth at least $500 on Nexo. Overall, Nexo provides an excellent way to spend crypto on a debit card, in addition to its primary offering for users to earn interest on crypto deposits.

Nexo Card key details:

• 0.5% to 2% cashback
• Attain credit via crypto loans
• 63 supported cryptos

Read our full Nexo review for more details.

Coinbase is a trading platform 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, such as its Bitcoin debit card, called the 'Coinbase Card.' which is FCA-regulated.

The Coinbase debit card links the physical card directly to a Coinbase wallet to spend crypto or USDC. The stored cryptocurrency is converted to USD, GBP, or EUR, enabling purchases or ATM withdrawals anywhere around the world where VISA cards are accepted.

Although any crypto supported by Coinbase can be used (243 cryptos in total), the user must select a specific asset as their payment preference. Coinbase cardholders can then earn rewards on purchases made with the card. New US-based cardholders can select between receiving 4% XLM or 1% BTC cashback on all purchases. The cashback is not paid out automatically and can take between 1 and 5 days after the completed transaction to appear in the wallet.

Although there is no direct issuance or spending fees, currency conversions incur a spread fee of approximately 2.49%. Additionally, there is a 1.5% fee for ATM withdrawals.

Additionally, users can link the card to Google Pay for a fast, secure way to spend cryptocurrency. Its ease of use and high-security features make it our choice as the best card overall for beginners due to being accessible by anyone with a Coinbase account.

Coinbase Card key details:

• Spread fee of around 2.49%
• Supports 243 cryptos
• Up to 4% cashback

Read our full Coinbase review.

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 fiat currencies in a single unified platform.

Founded in 2015 and operating worldwide, Uphold has facilitated more than US$4+ billion in cryptocurrency transactions. The company has released its debit card for UK and US customers to enable its users to pay for purchases using the asset of their choice (crypto, fiat, or commodities).

Unfortunately, Uphhold is closing its card program for US customers for the foreseeable future. However, UK residents can still apply for and use the card.

The Uphold debit card works like a regular bank account card. Users complete payments using the asset of their choice (crypto, fiat currencies, or precious metals) stored in their Uphold wallet, and the company converts it to spendable fiat. However, Uphold does charge a variable spread fee meaning conversions can be pricey.

The benefits of the Uphold debit card include 4% cash back on purchases capped at $50 per month and no payment surcharges or foreign transaction fees.

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. The spending limits on the card are pretty generous at $10,000 per day and $1,500 for cash withdrawals.

Uphold Card key details:

• 4% cashback
• 250+ supported assets
• No transaction fees (spread charged)

Read our full Uphold review.

Wirex is one of the go-to cryptocurrency apps and payment cards that gives complete control to its users to spend crypto and traditional currency using a single card. It was the first company to launch a crypto-backed bank card, with its option released in 2018.

Since then, Wirex has scaled the product to over 5 million customers worldwide. The multicurrency Mastercard is a reliable crypto debit card for international travelers as it supports nine fiat currencies and 59 cryptocurrencies, including Bitcoin, Ethereum, and XRP.

While the card has no fees for maintenance, crypto and fiat purchases cost 2.99% per transaction. Furthermore, loading the card with Bitcoin incurs a $10 charge, while Ethereum has a variable charge, and other networks cost $5.

A significant 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 of up to $50,000. Additionally, customers can earn up to 8% cashback paid in Wirex's native WXT token.

While Wirex charges a hefty transaction fee, the company does offer good rewards and supports a wide range of assets, making it a capable Bitcoin debit card.

Wirex Card key details:

• Supports almost 70 assets
• 2.99% transaction fee

Read our full review on Wirex for more information.

Unbanked was previously known as BlockCard, a crypto debit card created by Ternio. However, the company rebranded to UnBanked in 2021 with the goal of building a more cohesive identity.

Based in the US but available worldwide, the UnBanked card is widely accessible and supports transactions using USDT and UnBanked's native cryptocurrency UNBNK which is available on the Stellar and Ethereum networks.

While customers can register for a free virtual card, users looking for a plastic card that supports ATM withdrawals will have to pay a $10 fee. Furthermore, cash withdrawals cost $3, transactions using a pin number cost $1, and balance inquiries at an ATM cost $0.50. A $5 monthly fee is also applied if the user completes less than $750 of transactions.

UnBanked also offers a program that customers can utilize to earn up to 6% cashback rewards on their purchases. We've highlighted the available tiers in the below table.

UnBanked is an excellent alternative to better-known crypto cards. However, due to the high fees associated with the physical card, we recommend it for users looking for a virtual card only.

UnBanked key details:

• $10 issuance fee
• $5 monthly fee if conducting under $750 in transactions
• $3 cash withdrawal fee
• Supports UNBNK and USDT
• Up to 6% cashback based on staked UNBNK

CoinSpot is a leading Australian cryptocurrency exchange that launched its crypto debit card powered by Mastercard in 2022. Anyone with a fully verified CoinSpot account equipped with two-factor authentication (2FA) can use the card, making it an excellent choice for existing CoinSpot customers.

The CoinSpot Mastercard is free and has no monthly charges. However, a 1% transaction fee is applied to all purchases to cover the conversion costs. Furthermore, while the CoinSpot Mastercard supports 380 cryptocurrencies, the customer can only select a maximum of five to store and use with the card.

Unfortunately, CoinSpot does not offer any cashback program or any other form of reward. However, its transparent fee structure will likely appeal to those who want to avoid any nasty surprises on their bill making it a good card for the Australian market.

CoinSpot Card key details:

• Available in Australia and uses AUD as the base currency
• Support for 380 cryptos
• 1% transaction fees
• Powered by Mastercard
• Highly accessible

Read our full Coinspot review.

Choise's Crypterium Visa card is billed as being one of the easiest ways to spend crypto in real-world establishments. However, while the card is available in most European countries, including the UK, Germany, and France, it's yet to be available in the US.

To get their hands on the Crypterium card, customers must pay a €14.99 ($16.41) issuance fee. After which, there is a €2.99 monthly maintenance fee, although this can be waived if the user adds at least €299 to the card each month. Additionally, Choise charges a 2% fee for adding funds to the card and €3 + 1.6% for ATM withdrawals.

The Crypterium card supports the same 31 cryptocurrencies backed by the Choise wallet, which include BTC, ETH, and USDT. Furthermore, it can be easily linked to Google or Apple Pay, meaning the card is accessible from most NFC-enabled mobile devices.

Unfortunately, no rewards program is available, meaning the card only acts as a crypto-to-fiat gateway. Nevertheless, the card remains a strong option for European residents.

Choise Debit Card key details:

• €14.99 issuance fee
• Available in most of Europe
• 2% fee for topping up the card
• Support for over 30 assets

The world-famous crypto exchange, Gemini, has recently thrown its hat in the ring with a unique offering. The company released a fully-fledged Mastercard-powered crypto credit card that enables users to earn crypto rewards by shopping at everyday establishments.

In contrast to most options, which take the form of prepaid debit cards, the Gemini Card lets people access a line of credit with an APR of between 17.74% to 29.74%. Furthermore, maintaining a Gemini Card is free with no annual fee, making it an excellent alternative to traditional offerings.

Arguably the most attractive aspect of the Gemini Card is its cashback rewards. Users can earn rewards paid in crypto at a base rate of 1%, with 2% available for groceries and 3% for dining. With users able to choose the cryptocurrency their rewards are paid in, the Gemini Card is one of the most lucrative cashback credit cards currently available.

That said, the Gemini Card is only available in the United States, and customers must pass a credit check to be eligible. Furthermore, customers cannot pay back their Gemini Card using crypto; only fiat can be used. As such, the card should be used like a typical credit card rather than as a way to spend crypto in everyday establishments.

Gemini Card key details:

• Credit Card
• No issuance fee
• Up to 3% cashback

Read our full review on Gemini.

Previously known as SWIPE but rebranded to Solar following Binance's share acquisition, the company aims to close the gap between traditional debit cards and crypto-based versions by providing cardholders with multi-fiat currency support and an IBAN number.

The company is best known for issuing the Binance Visa card, but retail clients can register for a Solar card expected to release during the second quarter of 2023. While there is no order fee, Solar uses a monthly tier-based structure ranging in price from €7.99 to €14.99, with the differences including supported fiat currencies and monthly load limit.

Because the card is not yet released, minimal details are available. However, the company is responsible for Binance's hugely successful crypto card, meaning we could see big things from Solar. At present, it's best to wait for the card's official release considering its hefty monthly price tag.

Solar Card key details:

• Expected Q2 2023
• Comes with an IBAN number
• Partnered with Binance
• €7.99 to €14.99 monthly

What Is A Bitcoin Debit Card?

A Bitcoin debit card is a prepaid debit card funded using a Bitcoin wallet. Customers can use an exchange or cryptocurrency provider to top up the card by buying Bitcoin (or other cryptocurrencies). Typically, a card is powered by Mastercard or VISA, which are popular payment companies used by thousands of merchants worldwide.

The Bitcoin held on the card is converted to fiat currency (e.g., USD, GBP, EUR, AUD, etc.) when making a purchase which is processed like a normal bank card transaction, enabling users to spend crypto on everyday items, goods, services, and even pay bills with Bitcoin.

Frequently Asked Questions

Final Verdict

With an increasing number of providers offering Bitcoin debit cards, it can be challenging to know which ones are the best and offer value for money.

However, after researching the best crypto debit and credit cards, our assessment is that Binance offers 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.

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