Remember when using crypto for everyday stuff felt impossible? Not anymore. Crypto cards are changing that — now you can spend your coins almost anywhere, just like a regular bank card.
We’ve rounded up 5 of the best crypto cards for 2025, whether you’re after rewards, flexibility, or easy fiat conversion. If you’re looking into crypto debit cards or want to find the top crypto credit cards out there right now, this list is a great place to start.
Best crypto credit and debit cards list for October 2025
Here’s a snapshot of the best crypto cards (credit or debit/prepaid) you should compare:
- Coinbase card (Visa / upcoming credit option)
- Crypto.com card (Visa)
- Gemini credit card (Mastercard)
- Bybit card (Mastercard)
- Nexo card (Mastercard)
Now let’s take a closer look at each card.
Best crypto cards 2025 – Top crypto credit and debit cards
Coinbase card
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Coinbase offers a Visa‑based crypto debit (prepaid) card that links directly to your Coinbase account. As of 2025, Coinbase also plans to launch a credit card (called the Coinbase One Card) for Coinbase One subscribers. The prepaid card auto‑converts your crypto holdings to fiat at purchase, allowing you to spend crypto at most merchants accepting Visa.
Pros & Cons
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No annual or monthly fee for the debit card
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Seamless integration with Coinbase exchange / wallet
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Crypto back rewards (variable / rotating rate) on purchases
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Beginner friendly — no need to pre‑convert crypto
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App controls: freeze/unfreeze, track transactions, etc.
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Conversion / spread costs when crypto → fiat can erode rewards
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Rewards are variable and not fixed; promotional / rotating
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No borrowing or credit line option in the debit version
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Users report support / card deactivation issues, especially overseas
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New credit option (Coinbase One Card) has additional constraints (membership, U.S. only)
Review
Fees and supported assets
- No card fees (annual/monthly) for the debit version
- Spread / conversion fee applies when converting crypto to fiat at purchase
- Supports a broad set of cryptos held in Coinbase wallet (BTC, ETH, USDC, etc.)
- For the upcoming credit card: up to 4% back in Bitcoin, no foreign transaction fees (as announced)
Security & compliance
Coinbase is a licensed and regulated exchange. The card benefits from built‑in security: two‑factor authentication, ability to freeze/unfreeze card, device protections. Because it’s tied to a regulated entity, there’s more oversight and compliance safeguards.
Availability
- Debit (prepaid) version: available in the U.S., all states except Hawaii
- Credit (Coinbase One Card): planned for U.S. only (for now) to Coinbase One members
Best for
U.S.-based crypto users — particularly those already using Coinbase — who want a simple way to spend crypto and earn rewards without needing to juggle conversions. The upcoming credit version is best for heavy spenders who will benefit from 2–4% Bitcoin rewards and are comfortable with subscription / membership models.
Crypto.com card
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Crypto.com offers multi-tier Visa prepaid and metal cards globally, with rewards and perks increasing based on CRO staking or subscription. They also launched a Crypto.com Visa Signature® Credit Card in the U.S. in 2025.
Pros & Cons
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High cashback potential (up to ~8% CRO) for top-tier holders
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Lifestyle perks like subscription rebates and lounge access
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Broad availability across Europe, U.S., Asia, LATAM
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U.S. credit card offers no annual fee and boosted rewards in the first year
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Rewards and perks heavily depend on CRO staking/lockup
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Monthly reward caps limit cashback at mid tiers
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FX and conversion fees apply for many transactions
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Top-ups often have a ~1% fee; inactivity fees may apply
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Credit card restrictions on crypto purchases and some user-reported fraud issues
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Card replacement can be costly
Review
Fees and supported assets
- No annual fee for many prepaid tiers
- Supports many cryptos on Crypto.com platform; rewards paid in CRO (convertible)
- ATM withdrawal limits vary by tier; fees apply beyond limits
Security & compliance
Regulated exchange with KYC/AML, Visa-backed card, app control features, though some users report dispute challenges.
Availability
Prepaid cards across Europe, Asia, LATAM; credit card available in U.S.
Best for
Users willing to stake CRO for premium perks and rewards, and those who want lifestyle benefits alongside crypto cashback.
Gemini credit card
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The Gemini Credit Card is a metal Mastercard credit card that awards rewards in crypto, deposited instantly after purchases. You don’t “top up” it with crypto — instead, it works like a typical credit card and pays out crypto rewards.
Pros & Cons
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No annual fee, no foreign transaction fees
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Instant crypto rewards (deposited immediately, not monthly)
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Rewards tiers: up to 4 % on gas/EV/transport, 3 % dining, 2 % groceries, 1 % on others
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Wide crypto options: choose among 50+ assets for rewards
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Only available in the U.S.
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High APR on carried balances (like many credit cards)
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Some category caps (e.g. gas reward caps)
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Because it’s a credit card, you can’t actually spend crypto — you pay in fiat via the credit card balance
Review
Fees and supported assets
- $0 annual fee
- 0% foreign transaction fees
- Variable APR (e.g. ~17%–29%) for balances carried beyond the due date
- Rewards can be redeemed in more than 50 cryptos listed on Gemini
Security & compliance
Gemini is a regulated exchange with compliance and KYC measures. The card number is omitted from the physical card for security — you access it via the app.
Standard credit card protections apply via Mastercard.
Availability
Only available to U.S. residents (all 50 states).
Best for
U.S. consumers who prefer the flexibility of a credit card, want instant crypto rewards, and will pay off balances monthly to avoid interest. Particularly good for those already using Gemini exchange and wanting control over which crypto they receive.
Bybit card
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The Bybit Card is a crypto‑linked Mastercard debit card (virtual + physical) tied to your Bybit account. You can spend your crypto, earn cashback, and even have idle balance yield until spent.
Pros & Cons
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Up to ~10% cashback depending on VIP tier
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Idle balances may earn interest (~8% APY) until you spend them
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Integration with Bybit exchange (easy transfers)
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No annual or monthly fees in many markets
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Rotating perks and subscription rebates in some regions
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Not available in the U.S. in many cases
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Lower cashback tiers may get modest returns
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Conversion and FX fees may apply (~0.5%)
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Card perks may depend on trading volume or VIP status
Review
Fees and supported assets
- No annual card fee (in supported regions)
- Conversion / crypto → fiat spread or fee (approx. 0.9%) in some markets
- Supports multiple cryptos (BTC, ETH, USDT, USDC, XRP, etc.)
Security & compliance
Bybit is a regulated exchange in various jurisdictions; the card is backed by Mastercard, which ensures standard protections.The app allows freezing, tracking, and alerts. The compliance posture will depend on your region and local crypto regulation.
Availability
Bybit card is generally not available for U.S. users in most regions as of 2025.
Best for
Non-U.S. users who trade actively on Bybit and want to combine spending, cashback, and yield in one card. Great for crypto traders who want synergies between exchange and everyday spending.
Nexo card
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The Nexo Card is a dual‑mode Mastercard crypto card (Debit + Credit) that lets you spend crypto directly or use it as collateral to borrow / spend in fiat — giving liquidity without selling your crypto holdings.
Pros & Cons
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Dual mode: Debit Mode (spend crypto) or Credit Mode (borrow against crypto)
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Up to 2% cashback in NEXO (or 0.5% in BTC) in Credit Mode, depending on loyalty tier
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Earn daily interest on unused balances (rates depend on asset & loyalty)
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No issuance, monthly, or inactivity card fees
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Free ATM withdrawals within tier limits (then fees apply)
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Mastercard acceptance, virtual + physical cards, Apple Pay / Google Pay support
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Cashback only in Credit Mode (currently not in Debit Mode)
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FX / foreign transaction fees apply for non‑local currencies; weekday / weekend differentials (e.g. 0.2% vs 2.0% weekdays, 0.7% vs 2.5% weekends)
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Physical card and full perks require higher portfolio minimums and loyalty tiers
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Conversion steps / currency mismatches may erode real rewards (user reports of net loss)
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Collateral / borrowing risk: your collateral can be liquidated if crypto value drops
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Regulatory risk / token risk: NEXO token support may change per terms & risk disclosures
Review
Fees and supported assets
- No card issuance or monthly fees
- Supports many cryptos (BTC, ETH, stablecoins, NEXO) — though some stablecoins’ fixed‑term usage is being restricted in the EEA as of 2025 (but still usable for spending)
- Free ATM withdrawals within limits by loyalty tier; beyond that ~2% fee
- FX / foreign transaction fees varying by region and day
- Cashback (Credit Mode) up to 2% / 0.5% (depends on tier)
- Idle balance interest: variable (based on assets and tier)
Security & compliance
Nexo uses KYC/AML, industry‑grade custody for assets, standard card protections, and app controls (freeze/unfreeze).
Availability
- Available in EEA, UK, Switzerland, Andorra — expanding across Europe
- Not (yet) generally available in the U.S.
Best for
European crypto holders who want liquidity without selling, want to earn interest on idle funds, and are comfortable navigating loyalty tiers, currency conversions, and the possibility that fees/FX may eat into reward benefits.
Crypto credit and debit card comparison – October 2025
| Feature | Coinbase card | Crypto.com card | Gemini credit card | Bybit card | Nexo card |
| Type | Debit (Visa prepaid), Credit (Coinbase One) | Prepaid Debit & Visa Signature® Credit | Credit (Mastercard metal) | Debit (Mastercard crypto-linked) | Dual-mode Debit & Credit (Mastercard) |
| Fees | No annual/monthly (debit); conversion/spread fees apply; Credit: no foreign fees | Mostly no annual fee; FX/conversion fees on lower tiers | $0 annual fee; 0% FX fees | No annual fee in many markets; conversion/FX fees (~0.5-0.9%) | No issuance/monthly fees; FX fees vary by day & region |
| Rewards | Variable/rotating rewards; Credit: up to 4% BTC back | Up to ~8% cashback (staking CRO tier dependent); rewards in CRO | Rewards in 50+ cryptos; up to 4% in key categories | Up to 10% cashback | Cashback in Credit Mode only (up to 2% NEXO, 0.5% BTC) |
| Supported assets | Many cryptos in Coinbase wallet | Many cryptos on platform | 50+ cryptos | Multiple cryptos (BTC, ETH, USDT, etc.) | Many cryptos incl. NEXO |
| Availability | U.S. (excl. Hawaii) and some European countries; Credit: U.S. Coinbase One subscribers only | Europe, U.S., Asia, LATAM; Credit card in U.S. | U.S. only (all 50 states) | Mostly non-U.S.; generally unavailable in U.S. | EEA, UK, Switzerland, Andorra; not U.S. yet |
| Security | Licensed & regulated; 2FA; freeze card; app controls | Regulated exchange; Visa-backed; KYC/AML; app controls | Regulated exchange; card number omitted on physical card | Regulated in some jurisdictions; Mastercard protections; app controls | KYC/AML; custody; app freeze/unfreeze controls |
| Best for | Coinbase users wanting easy crypto spending & rewards without pre-conversion; Credit card for heavy spenders | Users staking CRO seeking high rewards and lifestyle perks (subscriptions, lounges) | U.S. users wanting instant crypto rewards and credit flexibility, who pay off balances monthly | Non-U.S. crypto traders wanting cashback + yield + spending combo | European holders wanting liquidity without selling, interest on idle funds, and credit flexibility |
How to choose a crypto card
When picking a crypto card, keep these key factors in mind:
- Watch the fees: Look at all costs — annual fees, FX charges, crypto-to-fiat conversions, ATM withdrawals, and inactivity fees. Great cashback can be ruined by hidden fees.
- Check availability: Not every card works everywhere. Confirm it’s available and legal in your country, and that the issuer follows proper regulations.
- Crypto and rewards: Make sure the card supports the coins you hold and offers rewards you actually want. Some pay only in their own tokens, others let you pick.
- Card type: Decide if you want a debit card (spend what you preload), a credit card (borrow and pay later), or a hybrid that lets you borrow against your crypto without selling.
- Perks and bonuses: Look beyond cashback — travel perks, subscription discounts, and lounge access can be great — but check what you need to unlock them.
- Token holding: Some cards require holding a lot of their native tokens for the best rewards — make sure that fits your portfolio.
- Flexible rewards: The ability to choose or change your rewards token is a big plus.
- Taxes: Understand how spending or borrowing impacts your taxes where you live.
- Reputation & stability: Stick to issuers with good track records and clear regulatory compliance to avoid surprises.
FAQs
Which card has the lowest fees?
It depends! Some cards say no annual fees, but watch out for hidden stuff like FX fees. If you use your card a lot, pick one that cuts those fees for big spenders.
Which card is safest?
Go for cards from legit, regulated companies with strong security. And turn on 2FA!
Can you get crypto cards in the U.S.?
Yep, Coinbase, Gemini, and Crypto.com all offer cards here. But some foreign cards don’t.
Can you spend crypto straight from your card?
Most cards convert your crypto to cash when you buy, but a few let you borrow against your crypto so you don’t have to sell right away.
Disclosure: This article does not represent investment advice. The content and materials featured on this page are for educational purposes only.
