Bit2Me · Prepaid
Bit2Me Card review
A crypto Mastercard from Spanish exchange Bit2Me, available as physical or virtual, offering up to 7% cashback (up to 39% stacked) with no maintenance fees.
Quick answer. Bit2Me Card is a prepaid crypto card on Mastercard from Bit2Me. Rewards: Up to 7% cashback on all purchases; up to 39% combined with Bit2Me Earn (up to +7%) and Bit2Me Life (up to +25%). Annual/issuance €0 (no maintenance fees for virtual or physical card). Funds are custodial; it supports Dozens of currencies supported (full list on Bit2Me support). Availability varies by region — confirm with the issuer.
Key takeaways
- Network & type: Prepaid · Mastercard
- Rewards: Up to 7% cashback on all purchases; up to 39% combined with Bit2Me Earn (up to +7%) and Bit2Me Life (up to +25%)
- Annual fee: €0 (no maintenance fees for virtual or physical card)
- Custody: Custodial
- Coins: Dozens of currencies supported (full list on Bit2Me support)
- Apple/Google Pay: Yes
Our rating, explained
Every card is scored on the same six factors — the weighting shows how much each counts toward the overall (provisional) score. How we rate →
Who it's for
Choose it if…
- You want no annual or monthly fee
- You spend enough for cashback to add up
- You pay with Apple Pay or Google Pay
Look elsewhere if…
- You want to avoid identity verification (KYC)
- You insist on holding your own keys (this card is custodial)
How it compares to the field
Put in context against all 67 crypto cards we track and verify.
Overview
The Bit2Me Card is a prepaid Mastercard offered by Bit2Me, a cryptocurrency platform regulated by the Bank of Spain through its EMI, PECUNIA CARDS / Pecunpay. This card stands out for its impressive cashback rewards, with a base rate of up to 7% on all purchases. When combined with Bit2Me’s additional products, Earn and Life, users can potentially earn up to 39% cashback. The card has no maintenance fees for both its virtual and physical versions, making it an attractive option for those looking to integrate crypto spending into their daily lives.
Bit2Me Card supports dozens of cryptocurrencies, though the full list is available only through Bit2Me’s support channels. The card is compatible with both Apple Pay and Google Pay, offering flexibility for users who prefer mobile wallet payments. However, it’s important to note that the card is custodial, meaning Bit2Me holds the funds, which may not appeal to those seeking non-custodial solutions.
How it works
To use the Bit2Me Card, users must complete a full KYC (Know Your Customer) process, which is standard for financial products of this nature. Once verified, users can top up their card with supported cryptocurrencies. The card can be used anywhere Mastercard is accepted, both online and in physical stores.
One of the key features of the Bit2Me Card is its cashback system. The base cashback rate is up to 7%, which is already competitive compared to many other crypto cards. However, users can potentially increase this to 39% by utilizing Bit2Me’s Earn and Life products. The Earn product likely offers additional rewards for staking or holding specific cryptocurrencies, while Bit2Me Life might provide further incentives or benefits. The exact mechanisms for these additional rewards are not detailed on the card page, so users will need to explore these products to maximize their cashback.
Fees and value
The Bit2Me Card boasts no maintenance fees for either its virtual or physical versions, which is a significant advantage for users looking to minimize costs. However, the card page does not disclose fees for ATM withdrawals, foreign exchange (FX) transactions, or top-ups. This lack of transparency may be a concern for potential users who want to understand the full cost of using the card.
For those who can take advantage of the high cashback rates, the card offers substantial value. The ability to earn up to 39% cashback is a unique feature in the crypto card market. However, achieving this requires using Bit2Me’s additional products, which may involve further commitments or costs. Users should carefully evaluate these requirements to ensure they align with their financial goals.
Who it’s for
The Bit2Me Card is ideal for users who are already engaged with the Bit2Me ecosystem and are looking to maximize their crypto spending rewards. The high cashback rates, especially when stacked with Earn and Life, make it appealing for frequent spenders who can leverage these additional products. The card’s compatibility with Apple Pay and Google Pay adds convenience for users who prefer mobile payments.
However, for those who prioritize fee transparency or are not interested in using Bit2Me’s full suite of products, the card may be less attractive. The lack of disclosure on ATM, FX, and top-up fees could be a dealbreaker for some users. Additionally, the full KYC requirement and custodial nature of the card may not suit users who prioritize privacy or control over their funds.
Overall, the Bit2Me Card is a strong option for those who can take advantage of its high cashback rates and are comfortable with the Bit2Me platform. For more detailed comparisons, visit our crypto card comparison page or learn more about our rating methodology on the how we rate page.
Fees & costs
| Fee | Amount |
|---|---|
| Annual / issuance | €0 (no maintenance fees for virtual or physical card) |
| FX / spend fee | — |
| ATM withdrawal | — |
| Top-up / load | — |
| Staking / lockup | — |
Pros & cons
Pros
- Up to 7% base cashback (up to 39% stacked with Earn and Life)
- No maintenance fees on virtual or physical card
- Apple Pay and Google Pay compatible
- Issued by an EMI supervised by the Bank of Spain (PECUNIA CARDS / Pecunpay)
Cons
- ATM, FX and top-up fees not disclosed on the card page
- Highest cashback tiers require using additional Bit2Me products
- Supported-country list not stated on the card page
Supported crypto
Coins:
Our take
The Bit2Me Card offers competitive cashback rates and no maintenance fees but lacks transparency on certain fees and requires using additional Bit2Me products for maximum rewards.