Top Cryptocurrency Debit Cards

Crypto cards allow users to spend digital assets, such as Solana, Tether or Ethereum, directly at retail and online merchants worldwide by instantly converting digital assets into fiat currencies. Users manage their balances through intuitive apps, benefiting from features like cashback rewards and lower foreign exchange fees. Here is a comparison table of the top crypto debit cards globally.

1. Bybit Mastercard & Visa Card

The Bybit Card is a crypto debit card enabling users to easily spend their cryptocurrency and fiat balances wherever Mastercard is accepted globally. Offered by Bybit, the world’s second largest exchange, it is available to users in 30 countries across Europe, South America and Oceania.

The Bybit Card is compatible with Apple Pay and Google Pay, and is available as both a virtual card and a physical card for ATM withdrawals and in-store payments. Security features include 2FA, instant transaction alerts, and the option to freeze or unfreeze the card through the Bybit app. 

Users earn between 2% and 10% cashback on everyday transactions, based on their Bybit VIP tier. There are full rebates for subscriptions to services like Netflix, Spotify, Prime, ChatGPT, and TradingView. Cardholders can also earn up to 8% APR on idle balances via the Auto-Savings feature.

• Card Type: Both physical & digital cards. The type of card (Mastercard or Visa) changes depending on the country you’re based in.
• Supported Countries: 30+ Countries.
• Fees: A 0.9% crypto-to-fiat conversion fee and 1% foreign exchange fee. Users enjoy up to $100 monthly in free ATM withdrawals, after which a 2% fee applies.
• Daily Limit: Daily limit is 5,000 USD, monthly limit is 50,000 USD and annual limit is 250,000 USD.

2. Gate Card (Visa & Mastercard)

The Gate.io Card is a crypto debit card issued by Gate.io, a popular crypto exchange, allowing users to spend cryptocurrency anywhere Visa or Mastercard is accepted worldwide. Linked directly to users' Gate.io accounts, it instantly converts crypto assets to fiat currency during purchases.

Cardholders can top up their Gate.io Card using over 2,000 cryptocurrencies. Cashback rewards range from 1% on regular purchases, 2% as a new-user bonus, and up to 7% for travel expenses such as flights and hotels. Cashback is paid in BTC, ETH, USDT, or Gate Token (GT).

The exchange provides virtual cards available immediately and physical cards for in-store payments and ATM withdrawals. ATM withdrawals in the European Economic Area are free up to €200 monthly. Issuance fees are free for virtual cards, while physical cards cost €10.

• Card Type: Both digital and physical cards. EEA countries are issued a Visa card and users in Argentina get a Mastercard.
• Supported Countries: EEA countries & Argentina.
• Fees: A 0.9% crypto-to-fiat conversion charge, a 0.2% fee on non-EUR transactions within Europe, and a 2% fee for non-EUR transactions outside Europe. 
• Daily Limit: Daily spending limits are €25,000, monthly limits are €50,000, and annual limits are €250,000.

3. KuCard

The KuCard is a crypto debit card offered by KuCoin, a leading cryptocurrency exchange. Accepted globally at 90 million merchants that take Visa, KuCard instantly converts 45 cryptocurrencies into fiat currency during purchases, removing the need for manual conversion.

Cardholders enjoy several exclusive benefits, such as 3% cashback rewards on purchases, special discounts at partner retailers, and integration with Google Pay and Apple Pay. The card issuance fee is €9.99 for a physical card, and an annual maintenance fee of €10 applies per card.

Currently, KuCard is available only to citizens and residents of the European Economic Area (EEA) and applicants must complete identity verification using valid EEA-issued identification. The only supported fiat currency is Euro (EUR), with additional options planned for the future.

• Card Type: Digital and physical Visa cards.
• Supported Countries: Available to residents of the European Economic Area (EEA).
• Fees: A 2% foreign exchange fee. ATM withdrawals are €1.50 per transaction within Europe and a 2% fee for withdrawals outside Europe.
• Daily Limit: €20,000 daily limit and €25,000 monthly limit.

4. MEXC Card

The MEXC Card is provided by MEXC, a crypto exchange, allowing users to spend their cryptocurrency at millions of merchants worldwide via the MasterCard network. Applying for the MEXC MasterCard is easy, and once approved, a virtual card becomes immediately available. 

Users can easily top up their MEXC Card through their MEXC Fiat Wallet. Supported cryptocurrencies for card top-ups include major digital assets like Bitcoin (BTC), Ethereum (ETH), and USDT, with a maximum capacity of 100,000 USDT.

The MEXC MasterCard offers strong security measures, including 3D Secure (3DS) protection for online transactions, real-time transaction alerts, and Google Authenticator 2FA for secure deposits. Unfortunately, the card does not offer any additional benefits, such as cashback rewards.

• Card Type: Digital and virtual Mastercard.
• Supported Countries: Available in the EEA.
• Fees: A 1% top-up fee applies, zero transaction fees within the EEA, and a 2% fee outside the EEA (minimum 0.60 EUR per transaction).
• Daily Limit: There is a limit of 3,000 USDT per single transaction and a 30,000 USDT monthly limit.

5. Crypto.com Card

The Crypto.com Visa Card is a prepaid card offered by Crypto.com, enabling users to spend their cryptocurrency at merchants globally, wherever Visa is accepted. The card instantly converts digital assets into USD, EUR, AUD, BRL, CAD, SGD and GBP for everyday transactions.

Crypto.com offers multiple card tiers, each providing unique rewards and benefits based on the user's stake of Crypto.com’s native token (CRO). The card tiers include Midnight Blue, Ruby Steel, Royal Indigo, Jade Green, Frosted Rose Gold and Icy White, and the premium Obsidian card.

Variable cashback rewards range from 0% to 10% plus permanent subscription rebates for Spotify and Netflix, premium lounge access (+1 guest), private account manager, priority support, and exclusive experiences, including access to private jet flights.

• Card Type: Digital and virtual Visa card.
• Supported Countries: EEA, Australia, Brazil, Canada, USA, Singapore and the UK.
• Fees: Top-up fees range from 1% to 2.99%, and an ATM withdrawal fee of 2% applies. Foreign exchange fees of 3% are applied for non-USD purchases.
• Daily Limit: ATM withdrawal limits range from $200/month (Midnight Blue) to $1,000/month (higher-tier cards). Monthly top-up limits for all tiers currently stand at $25,000 USD.

What is a Crypto Card?

A crypto debit card is a financial product that allows cardholders to spend cryptocurrencies such as Bitcoin, Ethereum, or stablecoins directly at merchants or withdraw cash from ATMs. It operates similarly to a traditional debit card, bridging digital assets with everyday financial transactions. 

When making a purchase, the cryptocurrency stored in the user's linked wallet account is automatically converted into the local currency, ensuring instant payments at any store. These cards are typically issued through partnerships between crypto exchanges or wallet providers. 

Some providers also offer cashback, reward points, or reduced fees as incentives for card usage. Key benefits of crypto debit cards include convenience, as they simplify the process of spending cryptocurrencies in everyday scenarios.

How Do Crypto Debit Cards Work?

A crypto debit card functions as a bridge between digital assets and traditional financial systems, enabling users to spend cryptocurrencies at any merchant that accepts standard debit or credit cards.​

Here is how it works:

1. Account Setup: Users begin by selecting a crypto debit card provider, often a cryptocurrency exchange like Bybit or Binance, and completing the necessary identity verification processes.​
2. Funding the Card: Once the account is set up, users load their crypto debit card by transferring cryptocurrencies into the associated wallet provided by the card issuer.​
3. Transaction Process: When making a purchase, the card automatically converts the required amount of cryptocurrency into the local fiat currency. This conversion allows for instant payments at any location that accepts traditional debit or credit cards.​
4. Global Acceptance: Backed by major payment networks like Visa or Mastercard, crypto debit cards are widely accepted both online and in physical stores, facilitating global usability.​
5. Additional Features: Many crypto debit cards offer perks such as cashback rewards in cryptocurrency, access to airport lounges, and discounts on various services. Some cards may also provide virtual versions for online transactions.

By integrating the flexibility of cryptocurrencies with the widespread acceptance of traditional payment networks, crypto debit cards offer a practical solution for everyday spending using digital assets.

Crypto Debit Cards vs Traditional Debit Cards

Crypto debit cards and traditional debit cards differ primarily in the types of funds they utilize, their operational mechanics, and associated benefits or limitations. Below is a quick summary of both cards:

• A traditional debit card links directly to your bank account, typically holding fiat currencies like USD or EUR. When making purchases or ATM withdrawals, funds are instantly deducted from this account. Transactions occur through established banking and financial networks.
• A crypto debit card connects to a cryptocurrency wallet, allowing users to spend digital currencies for payment. During a transaction, the crypto debit card instantly converts cryptocurrency into local fiat currency, enabling users to spend crypto at merchants accepting standard debit or credit cards.

Both types of cards generally enjoy widespread acceptance through major payment networks such as Visa and Mastercard. The main differences lie in associated fees, with traditional debit cards typically including maintenance or international fees, while crypto debit cards often feature crypto-to-fiat conversion costs.

Are Crypto Debit Cards Safe?

Crypto debit cards are generally safe when issued by reputable providers like Visa or Mastercard and managed responsibly by the user. 

These cards benefit from security features similar to traditional debit cards, such as EMV chips, PIN codes, and secure online transactions. Many providers also offer advanced security methods like two-factor authentication (2FA), biometric verification, and instant transaction alerts.

Crypto price volatility poses indirect financial risks, as fluctuations can affect the card's purchasing power. Additionally, users must remain cautious about phishing scams targeting sensitive information.

Final Thoughts

Crypto debit cards offer a practical solution to bridge the gap between cryptocurrencies and everyday spending, providing convenience, security, and attractive rewards. 

To maximize benefits and minimize risks, we recommend using reputable providers like Bybit, Gate.io, KuCoin, MEXC, or Crypto.com, and always stay vigilant with security practices to protect your digital assets.