Quick answer. Our top-rated right now: Bleap (8.9/10), MetaMask Card (8.5/10), Gnosis Pay (8.4/10). Rankings use our published scoring method and verified issuer data.
As the world of cryptocurrency continues to expand, so does the need for convenient and cost-effective ways to spend your digital assets. No-annual-fee crypto cards offer an excellent solution for those who want to enjoy the benefits of spending crypto without the burden of recurring charges. In this guide, we will explore some of the best options available, including Bleap, Gnosis Pay, MetaMask Card, Nexo Card, Bitpanda Card, and Coinbase Card. We will discuss what makes these cards stand out and how to choose the right one for your needs.
No-annual-fee crypto cards are ideal for users who want to minimize their costs while still enjoying the convenience of a crypto debit card. Here are some key reasons why these cards might be the right choice for you:
When considering a no-annual-fee crypto card, it’s important to look at factors such as supported currencies, security features, and customer service. Our curated picks—Bleap, Gnosis Pay, MetaMask Card, Nexo Card, Bitpanda Card, and Coinbase Card—each offer unique advantages that cater to different user needs.
Here are some of the best no-annual-fee crypto cards available, each with its own set of features and benefits:
When selecting a no-annual-fee crypto card, consider the following factors:
What are the common mistakes to avoid when choosing a no-annual-fee crypto card?
One common mistake is not considering the card’s supported currencies and whether they match your needs. Another is overlooking the card’s security features and customer service quality. Additionally, failing to read the terms and conditions can lead to unexpected fees or limitations.
Can I use a no-annual-fee crypto card internationally?
Many no-annual-fee crypto cards offer international usability, but it’s important to check the card’s terms and conditions for any foreign transaction fees or restrictions. Some cards may also offer better exchange rates or perks for international use.
Side by side — fees, rewards, custody and networks.
| Card | Score | Type | Networks | Annual fee | FX fee | Rewards | Custody |
|---|---|---|---|---|---|---|---|
| Bleap | 8.9/10 | — | Mastercard | None | None (0%, no markup) | Up to 20% cashback (20% streaming/gaming/AI subs; 3% rides & food delivery; 2% restaurants & supermarkets; 1% everything else), paid in USDC | Self-custodial |
| MetaMask Card | 8.5/10 | Debit | Mastercard | Virtual: free; Metal: $199/yr | No additional MetaMask fee (uses Mastercard's exchange rate) | Virtual: 1% mUSD back per transaction; Metal: 3% mUSD back on first $10,000 spend then 1% | Self-custodial |
| Gnosis Pay | 8.4/10 | Debit | Visa | — | — | Up to 5% cashback on eligible transactions, based on the amount of GNO held in wallet | Self-custodial |
| Nexo Card | 7.8/10 | Credit | Mastercard | No monthly, annual, or inactivity card fees | Weekdays: 0.2% (EEA/UK/CH), 2% (rest of world); Weekends: 0.7% (EEA/UK/CH), 2.5% (rest of world) | Up to 2% crypto cashback in Credit Mode, tiered: Platinum 2% NEXO or 0.5% BTC, Gold 1% NEXO or 0.3% BTC, Silver 0.7% NEXO or 0.2% BTC, Base 0.5% NEXO or 0.1% BTC (cashback requires balance above $5,000 in digital assets) | Custodial |
| Bitpanda Card | 7.3/10 | Debit | Visa | €0 (free card, no monthly costs) | 0% Bitpanda FX fee on non-Euro transactions (Visa mark-up fees apply) | 1% cashback on all crypto asset spending (excludes fiat, stablecoins, metals and stocks) | Custodial |
| Coinbase Card | 6.8/10 | Debit | Visa | $0 (no annual fee) | — | Optional crypto rewards on purchases, US card users only, variable reward rate (no fixed rate stated) | Custodial |