A crypto prepaid card is loaded with funds in advance — you top it up from your crypto, and spend down the balance. It behaves like a gift card or a prepaid Visa/Mastercard rather than drawing live from an account. Below are the crypto prepaid cards we track.
Quick answer. We track and verify 25 prepaid crypto cards. Our top-rated right now: Kast Card (8.2/10), Bybit Card (8.1/10), Bitsa Card (7.9/10). Rankings use our published scoring method and verified issuer data.
Why it wins. A solid pick for globe-trotting stablecoin spenders, though it is custodial so you trade some control for convenience.
A prepaid crypto card is one you load in advance from a crypto or stablecoin balance and then spend down, much like a prepaid travel card. It carries no credit line and usually no credit check — you can only spend what you have loaded. Running on Visa or Mastercard, it is accepted anywhere those networks are, including Apple Pay and Google Pay. Prepaid and debit crypto cards overlap heavily in practice; this page ranks the prepaid options we track, scored on the same rubric as every card.
You top up the card by converting crypto to a spendable balance, and each purchase draws from that balance until it runs low, at which point you reload. Some prepaid cards convert crypto at the moment you load; others hold a crypto balance and convert at the point of sale. Either way, spending is capped at what you have funded, which makes prepaid cards predictable and easy to budget with.
The line between prepaid and debit crypto cards is thin — both spend a funded balance with no borrowing. The practical differences are in how funds are loaded and held, and sometimes in whether a full bank-style account is required. If you want the simplest possible “load and spend” experience, or you do not have or want a linked account, a prepaid card can be the easier route.
Prepaid crypto cards suit people who want tight control over spending, who prefer to fund a fixed amount rather than link a balance, or who want to give a controlled card to someone else. Because spending is capped at what is loaded, they are also a low-risk way to try a crypto card for the first time — load a small amount and see how it works.
Watch the top-up or loading fee (the main cost on many prepaid cards), the conversion spread, foreign-exchange fees, ATM charges and any inactivity or issuance fees. Because reloading is frequent on a prepaid card, a high top-up fee can quietly add up — read the full schedule before choosing.
Loading a prepaid card with a stablecoin makes budgeting even more predictable, since the balance you load holds its value and spending it avoids much of the tax complexity of a volatile coin. For a card whose whole appeal is control, a stable balance is a natural fit.
Depending on when conversion happens, loading or spending a volatile crypto can be a taxable disposal in many countries; stablecoins largely avoid this. Keep records and treat this as general information, not advice.
Prepaid crypto cards suit budgeters, first-timers, and anyone who wants a capped, load-and-spend experience without a credit line. Compare the ranked options above, narrow them with the card finder, or put two side by side in the comparison tool.
Every prepaid card we track, side by side — fees, rewards, custody and networks.
| Card | Score | Type | Networks | Annual fee | FX fee | Rewards | Custody |
|---|---|---|---|---|---|---|---|
| Kast Card | 8.2/10 | Prepaid | Visa | Standard: Free; Premium: $1,000/year; Private: $10,000/year | — | Cashback: 1.5% (Standard), 2% (Premium), 3% (Private); Premium/Private also earn +1%/+2% KAST Points | 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 |
| Bitsa Card | 7.9/10 | Prepaid | Visa | FREE €0; MOVE €0.99/mo (€8.99/yr); PRO €9.99/mo (€69.99/yr). Card issuance: physical €20, virtual €2.50 | 1.75% (international non-euro); 2% (rest of world) | Cashback up to 15% (PRO plan) | Custodial |
| BitMart Card | 7.7/10 | Prepaid | Visa | $0 (all tiers) | — | Online shopping: 4.0% new users (1st month), 3.5% thereafter. Grocery/Dining: 5.5% new users (1st month), 5.0% thereafter. ATM: up to 1000U fee-free withdrawals | Custodial |
| Volet Card | 7.4/10 | Prepaid | Visa and Mastercard | — | — | Referral reward on card activation: $2/€2 (digital), $5/€5 (plastic) | Custodial |
| Moon Virtual Card | 7.4/10 | Virtual | Visa | — | 0% (no FX / foreign transaction fees) | — | Self-custodial |
| Ripio Card | 7.4/10 | Prepaid | Visa | None (no maintenance or issuance fee) | — | 2% cashback in USDT, BTC or ETH on crypto payments; 0.5% cashback on ARS payments; first 30 days 4% (crypto) / 1% (ARS) | Custodial |
| Buenbit Card | 7.4/10 | Prepaid | Mastercard | None (free to request, activate and maintain) | — | Up to 5% reintegro (cashback) in DAI, BTC, ETH, USDC or nuARS; tiered loyalty levels (lowest 1%); cap ~ARS 10,000/month in crypto | Custodial |
| Crypto.com Visa Card | 7.3/10 | Prepaid | Visa | Midnight Blue free; Ruby $4.99/mo or $49.90/yr (or $500 CRO stake); Royal Indigo $29.99/mo or $299.90/yr (or $5,000 CRO stake); higher tiers require CRO stake | 3% on non-USD purchases and ATM withdrawals (Midnight/Ruby/Jade/Indigo); no FX fee (Rose/Icy/Obsidian) | Up to 4.5% back in CRO on spending, tiered: Ruby Steel 1.5% (up to $750/mo), Royal Indigo 2.5% (up to $1,500/mo), Rose Gold 3.5% (up to $3,000/mo then 0.5%), Obsidian 4.5% (up to $5,000/mo then 1%); Midnight Blue 0% | Custodial |
| Bit2Me Card | 7.2/10 | Prepaid | Mastercard | €0 (no maintenance fees for virtual or physical card) | — | Up to 7% cashback on all purchases; up to 39% combined with Bit2Me Earn (up to +7%) and Bit2Me Life (up to +25%) | Custodial |
| Cake Pay | 7.1/10 | Prepaid | Visa, Mastercard (per cakepay.com) | None (products sold at face value) | — | — | Self-custodial |
| 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) | — |
| Foxbit Card | 7.1/10 | Prepaid | Mastercard | None (zero anuidade) | — | Up to 1% cashback on crypto transactions (0% up to R$999; 0.5% R$1,000-R$2,999; 1% R$3,000+); no cashback on BRL transactions; 70+ Mastercard Surpreenda benefits | Custodial |
| Shakepay Card | 6.9/10 | Prepaid | Visa | — | — | Up to 1.5% cashback paid in bitcoin on eligible purchases | 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 | — |
| Belo Card | 6.8/10 | Prepaid | Mastercard | $0 (issuance, maintenance and shipping all $0) | — | Cashback in crypto, credited randomly per transaction (per belo help-center terms) | Custodial |
| 1inch Card | 6.8/10 | Prepaid | Mastercard | — | — | — | Custodial |
| Fold Card | 6.7/10 | Prepaid / Credit | Visa | $0 (Fold Bitcoin Credit Card has no annual fee; other fees may apply) | — | Bitcoin rewards: credit card earns 1.5% back in bitcoin on eligible net purchases with no cap; up to 4% possible with bonuses (e.g. DCA setup, bitcoin statement payment). Debit card also earns bitcoin rewards (rate not detailed). | Custodial |
| Takenos Card (TakeCard) | 6.7/10 | Prepaid | Visa | — | USD payments 1:1 with no adjustment; other currencies at the official Visa exchange rate (no markup stated) | — | Custodial |
| Lemon Card | 6.5/10 | Prepaid | Visa | $0 (no shipping or maintenance costs) | — | Up to 2% cashback in Bitcoin per purchase | 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 |
| 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 |
| 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 | — | — | — | — |