Quick answer. Our top-rated right now: Bleap (8.9/10), MetaMask Card (8.5/10), Zeal Card (8.3/10). Rankings use our published scoring method and verified issuer data.
When it comes to managing your crypto assets and spending them globally, finding a card with no foreign exchange (FX) fees is crucial. FX fees can significantly eat into your spending power, especially if you’re a frequent traveler or make purchases in multiple currencies. Our curated list of the best crypto cards with no FX fees includes Bleap, Zeal Card, Gemini Credit Card, MetaMask Card, and OKX Card. Here’s what you need to know to choose the right one for you.
Foreign exchange fees are charges applied when you make a transaction in a currency different from the card’s default currency. These fees can range from 1% to 3% of the transaction amount, which can add up quickly. Cards with no FX fees allow you to spend your crypto assets globally without incurring these additional costs, making them ideal for international travelers and frequent online shoppers in different currencies.
When considering a crypto card with no FX fee, it’s important to look at the overall package. While avoiding FX fees is a significant advantage, other factors such as rewards, security, and ease of use also play a crucial role in your decision-making process.
Bleap is an excellent choice for those seeking a seamless transition from traditional banking to the world of crypto. With no FX fees, Bleap allows you to spend your crypto assets anywhere in the world without worrying about additional charges. The card also offers robust security features and a user-friendly interface, making it a great option for both beginners and experienced crypto users.
Zeal Card stands out for its commitment to transparency and customer satisfaction. This card offers no FX fees, ensuring that you get the most out of your crypto assets when traveling or making international purchases. Additionally, Zeal Card provides competitive rewards and a variety of perks that enhance your overall experience.
The Gemini Credit Card is known for its strong security features and partnership with a reputable exchange. With no FX fees, it allows you to spend your crypto with confidence. The card also offers a straightforward rewards program, making it a solid choice for those who want to earn while they spend.
MetaMask Card is ideal for users already familiar with the MetaMask wallet. It offers no FX fees, allowing you to manage your crypto and fiat transactions seamlessly. The card integrates well with the MetaMask ecosystem, providing a cohesive experience for users who value convenience and security.
OKX Card is designed for users who prioritize flexibility and innovation. With no FX fees, it supports a wide range of cryptocurrencies, giving you the freedom to spend your assets as you see fit. The card also offers a variety of features that cater to advanced users, making it a versatile option for those who want more control over their crypto finances.
When selecting a crypto card with no FX fees, consider the following factors:
When choosing a crypto card, avoid these common mistakes:
A: Yes, all the cards listed offer no FX fees, making them ideal for international use. However, it’s always a good idea to check with the card issuer for any specific restrictions or requirements.
A: While these cards do not charge FX fees, it’s important to review the terms and conditions for any other potential fees, such as monthly or annual charges, ATM withdrawal fees, or inactivity fees.
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 |
| Zeal Card | 8.3/10 | Debit | Visa | — | No exchange fees; uses Visa mid-market rate | Up to 4% cashback (cashback managed by Gnosis Pay, paid in GNO on Gnosis Chain; requires holding GNO in the Gnosis Pay card Safe) | Self-custodial |
| OKX Card | 8.3/10 | Virtual | Mastercard (EEA); Visa/Mastercard by region | $0 (no issuance, monthly, annual or inactivity fees) | None charged by OKX; 0.1% market spread on stablecoin-to-fiat conversion | Up to 20% cashback in USDG on USDG purchases during launch (capped, tier-based); ongoing cashback rate depends on OKX VIP level with monthly limits | Custodial |
| Gemini Credit Card | 7.1/10 | Credit | Mastercard | $0 (no annual fee) | No foreign transaction fees | Up to 4% crypto back: 4% on gas, EV charging & transit (up to $300/mo, then 1%), 3% dining, 2% groceries, 1% everything else | Custodial |