Best Crypto Credit Cards

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Once perceived as a passing trend, cryptocurrency is now going mainstream. The world’s 1st Bitcoin ETF was recently launched, and Tesla is already betting big on Bitcoin. Crypto’s popularity and capacity to change the world of traditional finance isn’t about to slow down yet — crypto credit cards are another new development in the blockchain and crypto world.

People now want the ability to spend their crypto assets and not just store them in hardware or software wallets. But what are crypto credit cards? Our guide shares the intricacies of crypto credit cards, including a review of the top 10 cards.  

Best for Rewards: Crypto.com Visa Cards

Crypto.com’s collection of Visa cards is a great option for users looking to maximize rewards. Its entry level Midnight Blue visa card is free and doesn’t require you to hold CRO in your crypto.com app wallet for a period of 6 months. The other 4 cards require you to place a CRO stake of $400, $4,000, $40,000 and $400,000.

Crypto.com’s credit cards let you enjoy some great perks including 100% cashback on your Spotify, Netflix and Amazon Prime subscriptions, 10% cashback on Airbnb and Expedia booking and airport lounge access. 

Free ATM withdrawals per month range from $200 to $1,000, depending on the card. There’s no limit to the number of free currency exchange transactions you can make per month.

0.50% per sale
Account Minimum

Best for Worldwide Spending: Coinbase Card

Funded by your Coinbase balance, the Coinbase Visa card lets you spend your crypto anywhere across the globe. Ready for use in millions of locations worldwide, the Coinbase card lets you pay with PIN, contactless or withdraw cash from any ATM. The card also provides world-class security through 2-step verification, instant card freeze and more to keep your coins secure.

The Coinbase Visa card is backed by a robust mobile app that lets you switch between coins instantly. The app also helps in managing your spending by providing transaction receipts, spending summaries and instant transaction notifications. Download the Coinbase card app on Google Play or the App Store.

Free – 1%
Account Minimum

Best for Multiple Currencies: Wirex Visa Card

Wirex offers a multi currency Visa card that lets you pay internationally without the treacherous exchange fees or hidden charges. With access to more than 150 currencies, you can use your Wirex card at more than 54 million outlets worldwide, both in-store and online. You’ll also enjoy free international ATM withdrawals.

Smart rewards are also within reach all thanks to Cryptoback™ that gets you up to 2% back in WXT on all your in-store purchases. Take your multi currency exchange a notch higher with the Wirex app that lets you effortlessly exchange 18 traditional and digital currencies at exclusive over-the-counter and interbank rates. You won’t incur any fees on fiat-to-fiat exchanges.

Conveniently track your budget and spending with instant in-app alerts for each of your cryptocurrency accounts.

Best for No Fees: Nexo Card

Dubbed the only card that lets you spend the value of your digital assets without having to sell them, the Nexo Card eliminates most of your common credit card fees — no monthly fees, no annual fees and no FX fees. Accepted by over 40 million merchants globally, simply swipe your card and the payment is deducted from the available balance.

Instantly get 2% cash back each time you tap your Nexo card to make a purchase. You can choose whether to receive the rewards in NEXO tokens or bitcoin or switch between the 2 before making a transaction. All your cashback is automatically deposited in your Nexo account. The Nexo wallet app gives you access to crypto credit lines and a high-yield earn interest account.

Your Nexo wallet is fortified with military-grade 256-bit encryption and 24/7 fraud monitoring mechanisms to protect your funds and transactions.

Best for Bitcoin Rewards: BlockFi Credit Card

While BlockFi’s Bitcoin rewards credit card isn’t available until spring 2021, you can join the waitlist to reserve your spot for the pioneer Bitcoin rewards credit card. 

Beyond unlimited 1.5% back in bitcoin on every purchase, you also stand to earn $750 or more in bonus Bitcoin rewards. All your Bitcoin rewards will be transferred to your BlockFi interest account to accrue interest monthly.

Cardholders who hold stablecoin assets like PAX, USDC or GUSD in a BlockFi interest account can earn an extra 2% APY on top of the prevailing stablecoin APY. You’ll also earn an extra $30 in bitcoin for every friend you successfully refer. Use your BlockFi credit card wherever Visa is accepted, either online or in-person.  

Best for Free Virtual Card: Crypterium Card Visa

Crypterium offers the best of both worlds if you’re looking to own a virtual and plastic card. The Crypterium prepaid payment card seamlessly connects to the Crypterium wallet so that you can spend your digital assets at your convenience. Use this payment solution for offline and online purchases as well as to withdraw fiat money from ATMs.

Turning your digital assets into cash has never been easier — withdraw up to $2,976 per month from any VISA-compatible ATMs. The Crypterium Card carries a $3.56 monthly maintenance fee that you can easily write off when you load your card with $356 each month.

Best for No Foreign Transaction Fees: Swipe Visa Card

The Swipe Visa card lets you access your wallet balance at over 60 million locations worldwide without worrying about foreign transaction fees. Card perks are also in plenty, including 8% cashback and top-brand rebates. 

You’ll have the ability to link with Google, Apple or Samsung Pay and real time security features. There is access more than 50 cryptocurrencies, stable coins and fiat currencies.

Conveniently convert and swap 1 cryptocurrency for another one with instant settlement. Download the swipe mobile app to manage your swipe visa card and activate other security features.

Best for Holding Crypto: Ternio BlockCard

The Ternio BlockCard stands out for not only supporting multiple coins but also as the only card that lets you hold your crypto assets until the point of sale. This differs from many other cards that take your crypto, convert to FIAT and place the USD value on a card. You can spend your cryptocurrencies at over 61 million merchants worldwide.

Best for Money Management: Revolut

Revolut offers more than just a crypto credit card — its spending analytics let you manage your money better. You can set budgets, receive instant spending alerts and see weekly insights to help track your spending. Exchange money without any hidden fees and get daily discounts and rewards you can actually use on retail, travel, restaurants and more.

There are no minimum amount requirements, and you can deposit or withdraw your money whenever you want without a locking period. Revolut cards come in 4 plans, including a free standard plan.

What is a Crypto Credit Card?

Crypto credit cards serve the same functions as traditional credit cards, except they let you access the spending power of your cryptocurrency holdings. Rather than being attached to your bank account, crypto credit cards link to your digital cryptocurrency wallet. Cryptocurrency cards come in a physical, virtual or prepaid form.

It’s important to note that you don’t directly pay with bitcoin or any other cryptocurrency when buying goods or services. Instead, your cryptos are 1st converted into fiat currency and sent to the merchant. Crypto credit cards are supported by MasterCard and Visa, 2 of the world’s largest financial networks. This makes it possible for you to withdraw your converted fiat currency from MasterCard or Visa ATMs.

Benefits of Crypto Credit Cards

Here are a few good reasons to love crypto credit cards:

Access Different Currencies with a Single Card

Crypto credit cards offer the best of both worlds if you’re looking to access digital assets and fiat currencies. No need to carry multiple cards since digital assets are converted into your base fiat currency each time you need to make a purchase.

Earn Rewards

Similar to conventional rewards or cashback cards, some cryptocurrency credit cards let you earn rewards for every transaction you complete. You can earn up to 5% cashback on every online or in-store purchase you make. 

Some crypto card issuers even promise to rebate your monthly maintenance fee for meeting the monthly minimum card load requirements.

Low to No Fees

You can use your crypto credit card without incurring any monthly fees, annual fees or FX fees. Some crypto-backed cards will even waive these fees if you spend or maintain the minimum required amount within a specific period.


Some crypto credit cards support multiple traditional and cryptocurrencies, which lets you pick a payment method of your choice. You won’t have to go to a currency exchange to load up on any foreign currency.

How do Crypto Credit Cards Work?

Crypto credit cards function the same as your regular credit card, except rather than using fiat currency alone, you can use crypto assets to pay for goods and services to merchants that accept them. The way a crypto credit card works depends on your provider.

At its core, you’ll send your digital assets to a dedicated crypto wallet (usually on the card provider’s platform) and load them on your credit card. Some crypto card solutions may require that you convert your digital assets into fiat currency to load them onto your card. Not all service providers require you to store your crypto assets on dedicated wallets.

Once the cryptos are loaded on your card, you’re now ready to make digital asset payments. Your crypto card will now work just as your traditional payment card would. Unless the service provider needs you to convert your digital assets into fiat currency, the coins on your card are automatically exchanged into cash once you make a purchase.

Similar to normal credit cards, a crypto card may also have different periodical limits, such as daily withdrawal limit, daily purchase limit or monthly top-up limits. Some crypto card solutions avail universal limits for all customers while others use a tiered system where you’ll access higher limits and premium features (such as airport lounge access) at higher levels.

Crypto Credit Rewards

Similar to traditional credit cards, crypto cards also carry rewards depending on how you use them. Some crypto credit cards will offer rebates in fiat currency or your preferred crypto asset for every purchase you make. Other crypto credit card solutions will waive your monthly maintenance fee for meeting the required monthly top-up amount.

Crypto Credit Variables

While crypto credit cards open up many opportunities in the world of finance, such as fast, efficient and traceable transactions, they also have their drawbacks. For starters, illegal activities with digital assets are not a new phenomenon. Bitcoin has been used for money laundering, tax evasion, contraband transactions, extortion and the theft of bitcoins.

Cryptocurrencies are still not an easy technology to use, and Bitcoin is volatile in nature, which makes operating with crypto cards a challenge for many.

The Bridge Between an Old and New Era of Finance

Cryptocurrency credit cards are opening up new opportunities in modern-day finance by letting crypto enthusiasts spend their digital assets right from their wallets. 

This new era of prominence brings with it access to numerous crypto card solutions, not forgetting the replication of premium features and cashback rewards available through traditional cards.

Frequently Asked Questions

Where can I use a crypto credit card?

Where can I use a crypto credit card?

You can use your crypto credit card at any acceptable merchant globally and any compatible ATM machine.


Are crypto credit cards safe to use?

Are crypto credit cards safe to use?

Although the emergence of crypto credit cards has introduced new concerns and unknowns, the crypto ecosystem is largely considered safe. Blockchain technology is completely transparent, self-regulated and decentralized, meaning data isn’t easy to manipulate. So yes, crypto credit cards are safe to use.


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