1
RewardsUp to 10% cashback
Annual feeNone (card creation and holding free)
Availability100+ countries
8.7/10
A Bitcoin card either lets you spend BTC (converted to local currency at the point of sale) or pays your rewards in Bitcoin. Because Bitcoin is volatile, spending it works differently from spending a stablecoin. Below are the BTC-capable cards we track.
Quick answer. We track and verify 18 bitcoin crypto cards. Our top-rated right now: Oobit (8.7/10), Bitget Wallet Card (8/10), Bitsa Card (7.9/10). Rankings use our published scoring method and verified issuer data.
2
Bitget Wallet Card
Bitget Wallet · DebitRewards2% 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.
Annual fee$0
AvailabilityEEA & UK, Latin America (9 countries), APAC (10 regions), South Africa, Pakistan, Bangladesh
8/10
3
Bitsa Card
Bitsa (bitsacard.com) · PrepaidRewardsCashback up to 15% (PRO plan)
Annual feeFREE €0; MOVE €0.99/mo (€8.99/yr); PRO €9.99/mo (€69.99/yr). Card issuance: physical €20, virtual €2.50
AvailabilityEurope (provides a European IBAN)
7.9/10
#4
Nexo Card
Nexo · CreditRewardsUp 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)
Annual feeNo monthly, annual, or inactivity card fees
AvailabilitySelected European countries, including the EEA and the United Kingdom
7.8/10
#5
Crypto Life (CL) Card
Baanx · DebitRewards1% reward on total card transactions (in BTC or USDT), or 2% if reward is taken in BXX
Annual feeNone (free card, no subscription fee)
Availability—
7.7/10
#6
Moon Virtual Card
Moon (Pay with Moon) · VirtualRewards—
Annual fee—
Availability—
7.4/10
#7
Mercuryo Card (Spend, compatible with Ledger)
Mercuryo · VirtualRewardsNone at launch (referral/cashback rewards announced as coming soon)
Annual feeNo issuance fee; €1/month maintenance only after 3 consecutive months of inactivity (waived on resuming use)
AvailabilityEEA only (initial launch)
7.4/10
#8
Volet Card
Volet.com (formerly AdvCash) · PrepaidRewardsReferral reward on card activation: $2/€2 (digital), $5/€5 (plastic)
Annual fee—
AvailabilityGlobal digital Mastercard in 150+ countries; APAC plastic; Europe, Turkey and Israel cards
7.4/10
#9
Gemini Credit Card
Gemini · CreditRewardsUp to 4% crypto back: 4% on gas, EV charging & transit (up to $300/mo, then 1%), 3% dining, 2% groceries, 1% everything else
Annual fee$0 (no annual fee)
Availability—
7.1/10
#10
Cake Pay
Cake Labs (Cake Wallet) · PrepaidRewards—
Annual feeNone (products sold at face value)
AvailabilityMost countries supported (merchant catalog varies by selected country)
7.1/10
#11
G
Gate Card
Gate (Gate.io / Gate.com) · DebitRewardsUp to 8% cashback, issued as points redeemable for USDT, BTC, ETH, USDC and other digital assets; referral bonus 5 USDT (referrer) + 2 USDT (referee)
Annual fee—
AvailabilityAvailable in non-restricted regions (specific list not stated)
7.1/10
#12
CoinZoom Visa Card
CoinZoom · DebitRewardsUp to 5% crypto back on every purchase
Annual fee$0
Availability169 countries
7.1/10
#13
Shakepay Card
Shakepay · PrepaidRewardsUp to 1.5% cashback paid in bitcoin on eligible purchases
Annual fee—
AvailabilityCanada (all 13 provinces and territories)
6.9/10
#14
Fold Card
Fold · Prepaid / CreditRewardsBitcoin 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).
Annual fee$0 (Fold Bitcoin Credit Card has no annual fee; other fees may apply)
Availability—
6.7/10
#15
T
Trustee Plus Card
Trustee (Trustee Global)Rewards—
Annual fee—
AvailabilityCard issued in Great Britain (full country list not stated on official page)
6.6/10
#16
Xapo Bank Card
Xapo Bank · DebitRewardsUp to 1% Bitcoin cashback on qualifying purchases worldwide
Annual feeUSD 1,000/year (Xapo Bank membership)
Availability—
6.6/10
#17
Lemon Card
Lemon (Lemon Cash) · PrepaidRewardsUp to 2% cashback in Bitcoin per purchase
Annual fee$0 (no shipping or maintenance costs)
AvailabilityArgentina (ARS)
6.5/10
#18
Revolut
Revolut Ltd · DebitRewardsNot 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
Annual fee—
AvailabilityBroad (US, UK, EEA and others) — exact list not confirmed on fetched pages
6.3/10
Spending Bitcoin vs earning it
There are two kinds of "Bitcoin card". Some let you spend BTC — the card converts it to dollars or euros when you tap. Others are ordinary cards that pay your cashback in Bitcoin. Read which type each card is before choosing.
The volatility catch
When you spend Bitcoin, its value can move between the moment you top up and the moment you pay, and in many countries spending crypto is a taxable event. If you want price certainty for everyday spending, a stablecoin card may suit you better; if you want BTC exposure and rewards, a Bitcoin-rewards card makes more sense.
Compare options with the comparison tool and see how we score them on How We Rate.
Full data
Bitcoin cards compared
Every bitcoin card we track, side by side — fees, rewards, custody and networks.
| Card | Score | Type | Networks | Annual fee | FX fee | Rewards | Custody |
|---|---|---|---|---|---|---|---|
| Oobit | 8.7/10 | — | Visa | None (card creation and holding free) | — | Up to 10% cashback | Self-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 |
| 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 |
| 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 |
| 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 |
| Mercuryo Card (Spend, compatible with Ledger) | 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 |
| Moon Virtual Card | 7.4/10 | Virtual | Visa | — | 0% (no FX / foreign transaction fees) | — | Self-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 |
| CoinZoom Visa Card | 7.1/10 | Debit | Visa | $0 | — | Up to 5% crypto back on every purchase | — |
| 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) | — |
| Shakepay Card | 6.9/10 | Prepaid | Visa | — | — | Up to 1.5% cashback paid in bitcoin on eligible purchases | 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 |
| Trustee Plus Card | 6.6/10 | — | — | — | — | — | — |
| 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 |
| Lemon Card | 6.5/10 | Prepaid | Visa | $0 (no shipping or maintenance costs) | — | Up to 2% cashback in Bitcoin per purchase | 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 |