Best Crypto Debit Cards in 2025: Spend Crypto Anywhere

What’s Nexo’s Card: Developed in partnership with Mastercard, the card allows users to spend stablecoins or other crypto directly from their balance at any time. In this mode, you make payments with assets stored in your Savings Wallet.

You can use Nexo’s crypto debit card at over 100 million merchants globally without manually converting your funds. Nexo’s card does this for you. While spending money, you can still earn up to 14% annual interest (APY) on your crypto balance. Interest is compounded daily.

The card supports over 100 cryptocurrencies–from Bitcoin (BTC) to USD Coin (USDC). The exact list of digital assets may vary as Nexo constantly expands the number of supported tokens. Tiers and fees: To activate Nexo’s virtual crypto debit card, you will need at least $50 on your balance. If you want to get a physical card, you can order it on Nexo's official website. Free shipping is available for users in the Gold Loyalty Tier with a balance over $5,000.

As for ATM withdrawals, it is free up to limits based on Loyalty Tier:

• Base: €200/£180
• Silver: €400/£360
• Gold: €1,000/£900
• Platinum: €2,000/£1,800

In case you exceed these limits, you will have to pay a 2% fee with a minimum of 1.99 EUR/GBP. Foreign transaction fees vary by region and day. Weekdays see a 0.2% fee for EEA/UK/CH and 2% for the rest of the world, while weekends increase to 0.7% for EEA/UK/CH and 2.5% for the rest of the world, reflecting higher processing costs on non-business days.

1. Download the Nexo app from your device’s app store and create an account, confirming your email and completing identity verification.
2. Navigate to the "Card" tab within the app. To activate a virtual card, tap "Activate Card" and add it to your digital wallet, such as Apple Pay or Google Pay, for instant use.
3. For a physical card, select "Order card" on the same tab, confirm your details and tap "Confirm." This process also requires identity verification to comply with anti-money laundering regulations.

What is COCA Card: It is a virtual-only, non-custodial prepaid crypto debit card offered by COCA Wallet, backed by 20+ industry-leading partners. For using, users need to top up the card with supported crypto, which are then converted to fiat for transactions. It is available mostly in Europe.

The COCA card offers several features. One of them is non-custodial control, meaning that users retain full ownership of their digital assets. The card supports over 250 cryptocurrencies and is suitable for online shopping and digital wallet integrations like Google Pay.

Tiers and fees: The fee structure is relatively low. You do not need to pay monthly, transaction or foreign exchange fees. However, you will have to pay €5.00 per month if the card is not used.

For crypto-to-fiat conversions, COCA charges about 0.5% plus gas fees when preloading the card, which can vary based on network congestion. Daily spending limit stands at €30,000. ATM withdrawals are not applicable, as the card is virtual-only.

1. Install the COCA Wallet app from the App Store or Google Play Store.
2. Sign up with an email and password, then verify your email via the link sent to your inbox. If you’re an existing user, just log in.
3. Provide personal details (name, address, phone number) and upload a government-issued ID and selfie. Verification typically takes a few minutes.
4. Navigate to the "Card" section in the COCA Wallet app. Select "Activate Virtual Card" to generate your virtual card instantly. Add the virtual card to your digital wallet, such as Google Pay.
5. Top up the card and start spending.

What’s Coinbase Card: The Coinbase Debit Crypto Card, also known as the Coinbase Card, is a Visa prepaid debit. It was launched by one of the most popular crypto exchanges. With this card, users can spend their digital assets or fiat and earn crypto rewards.

Fees and crypto rewards: Coinbase Card supports a range of cryptocurrencies that are listed on the Coinbase platform. It automatically converts crypto to fiat for purchases and ATM withdrawals. To fund the card, just link a bank account or set up direct deposit for paychecks. The platform does not charge any fees for these actions. Fees also do not apply for spending USD, GBP or supported digital assets and ATM withdrawals. Using the card is absolutely free.

US users can earn unlimited crypto rewards on every purchase. Rates vary (e.g., up to 4% back in BTC per $1 spent). UK users can also earn rewards, though specific rates may differ. Users can select and switch reward cryptocurrencies, such as Bitcoin, Ethereum, Dogecoin, and Algorand via the app.

1. Download the Coinbase app from your device’s app store and create an account, confirming your email and completing identity verification.
2. Navigate to the "Card" tab within the app. Follow the on-screen instructions to apply, which include linking a bank account or setting up direct deposit for funding.
3. Choose between a virtual card (available immediately upon approval) or order a physical card, which will be mailed (typically within 3 weeks). Identity verification is required for compliance with anti-money laundering regulations.

What’s Wirex Card: It is a prepaid card integrated with the Wirex app, which offers crypto exchange, wallet services and up to 8% cashback in Wirex Token (WXT). Wirex Card is accepted globally where Visa or Mastercard is supported. The card supports over 250 cryptocurrencies and 16 fiat currencies like USD and EUR.

Fees and limits: Wirex Card charges no annual or foreign fees. It also provides free ATM withdrawals up to $200 monthly (2% thereafter). Crypto purchases incur a 1.5% fee, and card delivery fees vary (free in the US, up to 34.99 SGD in Asia-Pacific).

Additional features: Cardholders can earn up to 8% cashback in WXT on eligible purchases, redeemable for crypto or exclusive perks. Wirex Card supports X-accounts, which means additional profit of up to 20% APR on crypto and fiat holdings with daily compounding interest and weekly payouts, with free withdrawals.

There is also a X-tras royalty program. It offers Standard, Premium, and Elite tiers with benefits like savings bonuses up to 16% annually on WXT balances.

Wirex stands out for its beginner-friendly mobile app with an intuitive dashboard for managing accounts, transactions and rewards. Customer support works 24/7.

1. Visit Wirex, select your country, enter your email, and create a password.
2. Confirm your email address via the link sent to your inbox.
3. Provide personal information (name, address, phone number) and upload a government-issued ID and selfie. KYC takes approximately 2 minutes and is mandatory.
4. Add funds via bank transfer, credit/debit card, or crypto exchange.
5. Choose a virtual card (instantly available for digital wallets) or a physical card (delivery fees apply based on region).

What’s Bybit Card: It is a prepaid Mastercard debit card, which lets cardholders spend crypto at millions of stores worldwide. The card is fully integrated with Bybit’s ecosystem and offers a convenient way to off-ramp crypto for everyday purchases.

Fees and limits: Issuing a virtual card is free, while its physical variant costs 5 EUR/GBP/USDT, depending on the user’s location. Bybit Card does not charge any annual or inactivity fees. A 0.9% fee applies for crypto-to-fiat conversions if your fiat balance is low, and foreign exchange fees range from 0.5% (EEA) to 7% (Argentina). ATM withdrawals are free up to 100 EUR/GBP monthly, with a 2% fee thereafter.

You can spend up to 5,000 EUR/GBP per transaction or daily, 50,000 EUR/GBP monthly, and 250,000 EUR/GBP annually. ATM withdrawals are capped at 2,000 EUR/GBP daily (10 withdrawals) and 10,000 EUR/GBP monthly.

Additional features: The Bybit Card offers a range of features. It is compatible with Google Pay and Apple Pay for tap-to-pay, autofill and seamless checkout experiences. Cardholders can also rarn points on every transaction, with rewards tied to Bybit’s VIP levels:

• VIP 0: 10 points per transaction, 5,000 monthly cap, 2% cashback.
• Supreme VIP: 50-point multiplier, 300,000 monthly cap, up to 10% cashback.

These points are redeemable in Bybit’s rewards market, have no expiration and are credited within 3 days. Bybit Card also provides an auto-savings feature. This one lets you earn up to 8% APR on idle crypto assets, customizable by coin. The feature supports compounding interest via auto-deduction, with seamless redemption for transactions.

1. Download the Bybit app, which is available on the App Store or Google Play.
2. Create an account with an email and password or log in if you’re an existing user.
3. Provide personal details, proof of identity, and proof of address. Verification typically takes minutes but may take up to 7 business days.
4. Apply for the card. Navigate to the “Card” section in the Bybit app. Select “Apply Now” and choose your country of residence.
5. Choose between a virtual card (instantly available) or a physical card (delivery within a few weeks).
6. Transfer cryptocurrencies or fiat to your Bybit funding account to top up the card.
7. Use the card for purchases, ATM withdrawals, or digital wallet payments.

What’s Crypto.com Visa Card: It is a prepaid card, which means you need to top it up with crypto, which then will be converted to fiat. The card is accepted at millions of stores worldwide and supports spending in 19 digital assets and three major fiat currencies (USD, EUR, GBP).

Fees and limits: Crypto.com’s card has no annual or spending fees, but some costs apply. For topping up with a credit/debit card you will have to pay a 1.5% fee. Bank transfers and crypto top-ups are typically free.

ATM Withdrawals are free up to monthly limits based on tier:

• Midnight Blue: $200 USD/month
• Ruby Steel: $400 USD/month
• Royal Indigo: $800 USD/month
• Jade Green: $1,000 USD/month
• Frosted Rose Gold: $1,000 USD/month
• Icy White: $1,000 USD/month
• Obsidian: $1,000 USD/month

In case you exceed these limits, Crypto.com charges a 2% fee. (minimum $2 USD). You will have to pay for when you need to re-issue your card–it costs $50 USD and is waived for upgrades to higher tiers by staking CRO. Foreign transaction fees are tiered, with no fees for most overseas transactions using interbank rates (subject to region).

Perks: With Crypto.com Visa Debit Card, you can get subscription rebates for Spotify, Netflix, Amazon Prime and X (formerly Twitter). There are also 10% rebates on Expedia (up to $50/month) and Airbnb (up to $100/month) for Jade Green and above. Another perk is an airport lounge access for Royal Indigo and above, with +1 guest for Jade Green and higher tiers.

Access to events like F1, UFC and UEFA for Jade Green and above. Cardholders also can earn staking rewards–up to 8% p.a. on staked CRO tokens. Higher tiers (Icy White, Frosted Rose Gold, Obsidian) receive an additional 2% p.a. on fixed-term allocations.

1. Download the ppp, which is available on iOS and Android at Crypto.com app. Then create an account or log in, completing email verification.
2. Complete KYC verification, submitting identity documents to comply with anti-money laundering regulations.
3. Choose a card tier. Midnight Blue requires no staking. For higher tiers, purchase and deposit the required CRO amount into your Crypto.com wallet.
4. Navigate to the “Card” tab in the app. Select your desired tier and tap “Stake CRO for 180 Days” or “Lock Up CRO for 180 Days.” Follow on-screen instructions to lock up CRO.
5. Order the card. Activate a virtual card instantly for use with digital wallets. If you want a physical card, order it and wait for two or three weeks to get it delivered.
6. Top up the card via bank transfers, credit/debit cards (1%+ fee) or cryptocurrencies.

What’s Binance Card: It is a prepaid Visa debit card issued by Binance, a leading crypto exchange by trading volumes. Binance Card supports 15+ digital assets and many fiat currencies.

Fees and limits: To issue either a virtual or physical Binance Card, you do not have to pay anything.

Only transaction fees apply: up to 0.9% per transaction, varying by region and card level. ATM withdrawals are free up to €290 per month. Once you exceed this amount, you will have to pay a 0.9% fee. Daily limit stands at €870 for ATM withdrawals, with a maximum of 3 transactions. Spending limits are as follows:

• Virtual Card: Up to €870 daily for purchases, with a maximum of 10 transactions per day.
• Physical Card: Up to €8,700 daily for purchases, with a maximum of 15 transactions per day.

In case you lost or damaged your Binance Card, you need to pay €25 for re-issuance.

Additional features: Binance Card supports BNB cashback program. You can earn up to 8% cashback in BNB on eligible purchases, based on card level (1–7) and determined by the average daily BNB balance in your Binance account (Spot, Funding, and Card Wallets) over a 30-day period.

The card is integrated with Google Pay, Apple Pay and Samsung Pay. It is primarily available in the European Economic Area (EEA), including countries like Germany, France and Italy, for users who complete KYC verification.

1. Create an account or log in at Binance.
2. Complete KYC Verification. Submit a government-issued ID and selfie for identity verification, typically processed within minutes.
3. Apply for the Card. Here, you will need to navigate to the “Binance Card” section in the app.
4. Choose between a virtual card (instantly available) or a physical card (delivery within 2–3 weeks).
5. Transfer cryptocurrencies to your Binance Card Wallet from your Binance account.
6. Use the card for purchases, ATM withdrawals or digital wallet payments.

What’s BitPayCard: This card, backed by Mastercard, lets you spend crypto like cash, converting it to fiat instantly. It supports 14 cryptocurrencies, including BTC, BCH, ETH, DOGE and more.

Fees and limits: BitPay’s card charges no annual or spending fees for transactions within the US. Card issuance is also free, while ATM and cashback withdrawals cost $2.50 per transaction. ATM withdrawals are also limited to three per day, totaling no more than $2,000 daily.

Additional features: The card integrates with the BitPay Wallet app, allowing users to manage their crypto, buy, store, swap and spend securely. Through BitPay Wallet, users can also pay for the bills, mortgages, etc.

As for cashback, cardholders can earn up to 15% cashback on purchases at participating retailers.

1. Download and open the BitPay app on your mobile device, available at BitPay App Store or Google Play.
2. Navigate to the card section, click the card icon, and follow the instructions to apply.
3. Provide a clear selfie and a photo of a supported identification document (e.g., State ID, Passport, Driver’s License, etc.) for identity verification.
4. Await approval, and once approved, activate a virtual card for immediate use or order a physical card.