A crypto debit card spends the crypto or stablecoin you already hold, converting it at the point of sale (or spending a stablecoin directly). Unlike a crypto credit card, you are spending your own money, not borrowing. Below are the crypto debit cards we track, scored the same way.
Quick answer. We track and verify 46 debit crypto cards. 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.
Why it wins. The Bleap card offers a strong combination of self-custody, cashback rewards, and fee-free transactions, making it a compelling choice for crypto-savvy users in Europe and Latin America.
A crypto debit card is the most common kind of crypto card: it spends a balance you have already funded from crypto, with no borrowing and no interest. When you pay, the provider converts the amount you owe from your crypto or stablecoin balance to local currency, and the merchant is paid in ordinary money. Running on Visa or Mastercard, a crypto debit card is accepted anywhere those networks are, including Apple Pay and Google Pay. This page ranks the crypto debit cards we track, scored on the same rubric as every card.
You load the card from a crypto or stablecoin balance — held either with the provider (custodial) or in your own wallet (self-custodial). At checkout the card authorises the purchase in local currency, converts the equivalent crypto (sometimes with a small spread), and settles in fiat. Because you can only spend what you have funded, there is no debt and, usually, no credit check.
Debit is the simplest, lowest-risk way to spend crypto: no interest, no borrowing, and no credit assessment. It suits anyone who wants to put crypto they already hold to use at everyday merchants, and it avoids the interest and liquidation risks of crypto credit products. For most users, a crypto debit card — often funded with a stablecoin for predictability — is the right default.
The costs that matter on a debit card are the conversion spread, foreign-exchange fees for spending across currencies, ATM withdrawal fees, and any top-up or annual charges. Many crypto debit cards have no annual fee, so the real differences hide in the spread and FX — read each card’s full fee schedule on its page. Our no-annual-fee and no-FX-fee rankings are useful cross-checks.
Custodial debit cards hold your funds and are simplest to use; self-custodial debit cards let you keep your own keys until you spend, reducing counterparty risk. Both spend the same way at the till — the difference is who holds your crypto beforehand.
Many crypto debit cards still pay cashback, sometimes with tiers tied to staking a token. Weigh the headline rate against its cap and conditions, and prefer stablecoin rewards if you want certainty — our cashback guide explains how to work out the real return.
Spending a volatile crypto with a debit card is a taxable disposal in many countries, while spending a stablecoin generally is not. Keep records, and treat this as general information rather than advice.
A crypto debit card suits almost anyone who wants to spend crypto simply and safely, without borrowing — the sensible default for most users. Compare the ranked options above, narrow them with the card finder, or put two side by side in the comparison tool.
Every debit card we track, 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 |
| WhiteBIT Card (Nova) | 8.4/10 | Debit | Visa | None (no opening, maintenance, closing, annual or monthly fees) | 1.5% conversion fee on non-USD payments (Visa exchange rate) on the USD card | Up to 10% cashback on selected categories (EUR card max 25 EUR/month); USD card advertised up to 10% cashback; 3% 'Cashback Lite Mode' on every purchase | 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 |
| 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 |
| MEXC Card | 8.2/10 | Virtual | Visa (Visa Platinum) | 0 (no annual fee) | No FX markup on Visa exchange rate; no crypto conversion fee | Up to 10% cashback in USDT, tiered by M-Score: Standard 4% (cap 100 USDT/mo), Premier 6% (cap 300 USDT/mo), Elite 10% (cap 800 USDT/mo); paid in USDT by 15th of following month | Custodial |
| BingX Card | 8.2/10 | Debit | Visa | No annual fee for life; virtual card issuance free (physical free for VIP) | — | Up to 5% cashback on purchases; up to 20% on subscriptions | Custodial |
| Bybit Card | 8.1/10 | — | Mastercard/Visa | Virtual: free; Physical: 5–29.99 USD/yr (varies by region) | 0.5%–7% depending on region (on top of Mastercard/Visa FX rate); e.g. EEA 0.5%, Peru 1%, Brazil 1.5%, AU/MX/APAC/GE/KZ 2%, Argentina 7% | 2%–10% cashback on everyday spending; 100% cashback on select subscriptions | Custodial |
| Bitget Wallet Card | 8/10 | Debit | Visa/Mastercard (by region) | $0 | — | 2% base assetback for all cardholders; up to 3% for new users or those meeting the $200–$400 monthly spend threshold. Assetback payable in BTC, gold, US stocks or USDC. | Self-custodial |
| Kraken Debit Card | 8/10 | Debit | Mastercard (UK/EEA); Visa (US Krak Card) | None (no monthly or annual fees) | No FX markup (passes Mastercard exchange rate without markup); a variable spread applies when spending across assets | UK/EEA: tiered cashback 0%-2% by 30-day rolling balance (Starter 0%, Lite 0.5%, Pro 1%, Elite 1.5%, Max 2%), payable in Bitcoin or fiat; US Krak Card: up to 2% cashback, up to 4% boosted on travel via Krak Concierge | Custodial |
| Tangem Pay | 8/10 | Virtual | Visa | Basic $0/mo; Plus $29.99/mo (waived with $4,500 monthly spend or $65,000 in Yield Mode); Prestige $999/year | — | Tiered cashback: Basic 1% (cap $100/mo), Plus 2% (cap $300/mo), Prestige 4% (cap $1,000/mo) | Self-custodial |
| Uphold Card | 7.9/10 | Debit | Visa | $0 (Essential); $99.99 (Elite) | 0% (Elite); 1.50% (Essential) | Essential: 2% in XRP (up to $120). Elite: 4% back on Cryptocurrency/Metals funding and 3% on Fiat/Stablecoins, paid in XRP (up to $300). | 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 |
| Wirex Card | 7.7/10 | Debit | Visa or Mastercard (varies by region) | — | — | Cryptoback rewards up to 8% | Custodial |
| Crypto Life (CL) Card | 7.7/10 | Debit | Mastercard, Visa | None (free card, no subscription fee) | — | 1% reward on total card transactions (in BTC or USDT), or 2% if reward is taken in BXX | Self-custodial |
| Cwallet Cozy Card | 7.6/10 | Virtual | Visa (Mastercard on the USD Master variant) | $0 (no monthly fee); one-time activation $0–$12 depending on tier | None (no foreign transaction fees) | USD Premium tier includes 'Extra Cashback' (amount unspecified, marked Coming Soon); other tiers none | Custodial |
| Mercuryo Card | 7.4/10 | Virtual | Mastercard | No issuance fee; €1/month maintenance only after 3 consecutive months of inactivity (waived on resuming use) | — | None at launch (referral/cashback rewards announced as coming soon) | Self-custodial |
| Volet Card | 7.4/10 | Prepaid | Visa and Mastercard | — | — | Referral reward on card activation: $2/€2 (digital), $5/€5 (plastic) | Custodial |
| SafePal Card | 7.4/10 | Virtual | Mastercard | None (zero account creation/management fees) | — | Up to 40% referral commissions on top-up fees from referred accounts (no direct spend cashback stated) | — |
| Decaf Card | 7.4/10 | Debit | Visa (per decaf.so marketing; not re-verified on fetched pages) | — | — | SAMO cash-back (stated in decaf.so marketing; not re-verified) | Self-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 |
| SpectroCoin Card | 7.3/10 | Debit | Visa | No annual fee; monthly service charge €1. Issuance: physical €5, virtual €1 | POS/online: EEA non-EUR 0.5%; international 1% | — | Custodial |
| KuCoin Card (KuCard) | 7.2/10 | Debit | Visa | EUR 10 annual maintenance (EUR 9.99 one-time issuance) | No fee on EUR transactions within Europe; 2% on foreign transactions outside Europe | Up to 3% cashback plus purchase discounts | — |
| Solayer Emerald Card | 7.2/10 | Debit | Visa | — | — | On-chain rewards / Card Points & Perks program (points-based, not fiat cashback) | Self-custodial |
| CoinZoom Visa Card | 7.1/10 | Debit | Visa | $0 | — | Up to 5% crypto back on every purchase | — |
| Gate Card | 7.1/10 | Debit | Visa or Mastercard | — | — | Up to 8% cashback, issued as points redeemable for USDT, BTC, ETH, USDC and other digital assets; referral bonus 5 USDT (referrer) + 2 USDT (referee) | — |
| Deblock Card | 7/10 | Debit | — | €0 (Standard); Premium €14.99/month; Native free with a Deblock NFT held 30+ days | — | Up to 1% cashback on card payments (Premium and Native plans; not included on free Standard plan) | Self-custodial |
| Vivid Money Card | 7/10 | Debit | Visa | — | — | 0.5% cashback on every card transaction (1.5% for Prime); up to ~4% on a chosen category; cashback payable as Crypto Rewards | Custodial |
| Shakepay Card | 6.9/10 | Prepaid | Visa | — | — | Up to 1.5% cashback paid in bitcoin on eligible purchases | 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 |
| Plutus Card | 6.8/10 | — | Visa | — | 2.5% on non-domestic transactions | 3–9% back in Pluton (PLU) Dynamic Reward Points, depending on plan tier and monthly spend | — |
| 1inch Card | 6.8/10 | Prepaid | Mastercard | — | — | — | Custodial |
| Tap Card | 6.7/10 | Debit | Mastercard | — | — | Tiered cashback paid in XTP token, based on XTP held: Essential 0.5%, Plus 1.5%, Prime 3%, Premier 4%, Platinum 6%, Prestige 8% | — |
| hi Card | 6.6/10 | Debit | Mastercard | — | — | Spend Rewards paid in HI token, by membership tier — CURRENTLY SUSPENDED (HI, Crypto and Fiat Spend Rewards suspended until further notice) | Custodial |
| Trustee Plus Card | 6.6/10 | — | — | — | — | — | — |
| Payy Card | 6.6/10 | Debit | Visa | — | — | — | Self-custodial |
| Xapo Bank Card | 6.6/10 | Debit | Visa | USD 1,000/year (Xapo Bank membership) | 0% (zero FX policy; card-network exchange rate, no Xapo markup) | Up to 1% Bitcoin cashback on qualifying purchases worldwide | Custodial |
| Embily Card | 6.5/10 | Debit | Visa (announced transition to Mastercard) | EUR 2.00 per month (monthly fee) | No additional transaction fees on purchases made in the UK or EEA | — | Custodial |
| Wallbit Card | 6.4/10 | Debit | Visa | — | — | — | — |
| CoinJar Card | 6.4/10 | Prepaid | Mastercard | — | 2.99%+ | 1 CoinJar Rewards point per $1 spent; points cover future trades or redeemed in the CoinJar Rewards Store. Purchase fee (1%) is returned as Rewards points | Custodial |
| Revolut | 6.3/10 | Debit | — | — | No exchange fees on crypto card payments; fair-usage fees may apply depending on plan. No crypto custody fees | Not for crypto card spend. Plan-based cashback exists (e.g. Metal: up to 1% outside Europe, 0.1% within Europe), payable in fiat or 5 cryptocurrencies incl. Bitcoin | Custodial |
| Bitso Card | 6.2/10 | Debit | Mastercard | — | — | Cashback paid in bitcoin on each purchase; BTC fractions accrue in Bitso+ over time | Custodial |
| Holyheld | 6.1/10 | Debit | — | CHF 0 (individuals, by invitation) / CHF 500 (companies) | — | — | Self-custodial |
| HTX Card (Huobi) | 6/10 | Debit | Visa | — | — | Cashback earnings, trading fee rebates, merchant benefits (per-tier; exact rates not published) | Custodial |
| BitPay Card | 5.8/10 | Prepaid | Mastercard | — | — | — | — |