Best Crypto Debit Cards With Cashback and Rewards

A crypto debit card, alternatively referred to as a cryptocurrency debit card, operates similarly to a conventional debit card linked to a bank account. A crypto card empowers you to easily use your cryptocurrency holdings for everyday expenditures, withdraw cash from ATMs, and effortlessly converts your digital assets into fiat currency, such as USD, GBP, or EUR, each time you engage in a transaction.

Pros and Cons of a Crypto Debit Card

Before you choose a crypto debit card, it is important to weigh pros and cons based on your preferences, needs, and the specific features offered by different crypto debit card providers.

These are some of the benefits offered by crypto cards:

  • Convenience in Everyday Transactions: Enable you to spend cryptocurrencies for everyday purchases.
  • ATM Withdrawals: They permit cash withdrawals from ATMs.
  • Automatic Fiat Conversion: Facilitates automatic conversion of cryptocurrencies to fiat currency during transactions.
  • Security Features: The cards are often equipped with security features like two-factor authentication and contactless payment options.
  • Budgeting and Control: Allow you to manage and budget your cryptocurrency spending more effectively.

However, there are disadvantages that come with crypto cards that you need to be aware of:

  • Limited Cryptocurrency Support: Some cards support only a limited number of cryptocurrencies, restricting users who hold a diverse portfolio.
  • Transaction Fees: They incur transaction fees, including crypto to fiat conversion fees, which can impact the cost-effectiveness of using the card.
  • Potential for Regulation Changes: Subject to regulatory changes, as governments may introduce new regulations impacting the use and issuance of crypto debit cards.
  • Limited Availability: Availability may be limited in certain regions, restricting widespread adoption.

While some providers offer rewards, it’s important to note that most of them offer rewards in altcoins rather than Bitcoin. These altcoins may have limited value outside the issuer’s ecosystem, which could impact their usability and exchangeability.

List of Crypto Debit Card Providers

Below is our list of crypto debit card providers in 2024, their perks, fees, and other features. If you are looking for crypto debit cards, the providers we have selected offer physical and virtual crypto debit cards. Most crypto cards offer rewards amd cash back while some of do not require KYC.


PlastBit offers a crypto debit card with no KYC. Therefore, when applying for their crypto card, you don’t need to go through Know Your Customer (KYC) verification. It’s a good option for those who value privacy or live in places with strict rules about sharing personal financial details. With their card, you will enjoy the convenience of spending your cryptocurrency assets for everyday transactions, including purchases and withdrawals, without disclosing personal information.

Coinbase Card

Coinbase Card is one of the best crypto debit cards in USA. It is issued by Coinbase; one of the largest crypto exchange platforms. You don’t need any credit history to get it. You can earn up to 4% back in rewards anytime you make a purchase.

Coinbase stated that they had removed transaction fees on the card. However, there is a 2.49% conversion fee for non-USDC cryptos during transactions of ATM withdrawals.

BitPay Debit Card

BitPay Debit Card is another crypto debit card you can use for in-store shopping or ATM withdrawals. BitPay debit card supports thirteen cryptocurrencies and does not charge conversion fees during purchases or ATM withdrawals.

BitPay also has a companion app that you can use to freeze your card in case it got lost. You can easily reload the card from many other popular wallets. Its upsides are that it comes with minimal costs and ease of access and utility. However, it does not have reward features.

Club Swan Card

Club Swan is a membership program that offers a range of lifestyle concierge services, including the ability to make payments in both cryptocurrency and traditional currencies. Members can use their Club Swan crypto card to make purchases online and in-store, as well as withdraw cash from ATMs. The card is accepted at over 40 million retail terminals and 2.4 million ATMs worldwide.

Club Swan card is a good fit for individuals who have a high net worth and who travel frequently. The card offers a number of benefits that are attractive to these individuals, including:access to a 24/7 concierge service and discounts on a range of products and services.

Choise Debit Card

Choise, formerly Crypterium, allows you to spend your crypto assets with the card, trade between different cryptocurrencies, and even send bank transfers. The Crypterium card, which is both physical and virtual card, is linked to the Crypterium App.

Choise crypto card is supported by Visa and UnionPay and costs €14.99 or $25.00 depending on the card you are using. You can use the card to pay bills with digital assets and send crypto to any bank in the world. It is available in over 178 countries.

Wirex Debit Card

Wirex is a crypto debit card that supports multiple fiat and digital currencies. In addition to their physical card, you can also obtain a virtual crypto debit card. The Wirex card comes with lots of perks for cardholders, such as 8% cashback anytime you spend and free ATM withdrawals. You also earn interest on fiat, BTC, and ETH. You can load the card from your Crypterium wallet.

The card does not have the issuance of monthly fees. Also, it does not charge conversion fees when converting crypto to fiat and does not have maintenance fees. However, there is a 1% top-up fee with a crypto account.

Binance Visa Debit Card

Binance Visa Debit Card is issued by Binance, a cryptocurrency exchange platform. Cardholders on BNB can earn up to 8% cashback on their purchases. It does not charge transaction fees and withdrawal fees of up to 0.9%. However, U.S. and UK residents are not eligible for Binance Visa cards due to regulatory issues. It is only available in Europe.

You can also create a virtual card that you can use interchangeably with Binance’s physical card. It also comes with a companion app that you can use to control your finances.


FCF Pay is a company that offers a virtual crypto debit card that does not require any KYC. The card can be used to make purchases online or in stores anywhere that accepts Visa or Mastercard. To get a FCF Pay card, simply swap your cryptocurrency for a virtual card through the widget on their website or with the bot in their Telegram group.

The FCF Pay card has a $6 new card fee and a 4% load fee. However, you can earn cashback and discounts on your purchases through the FCF Loyalty program.

Note that the FCF Pay card does not have 3D Secure, so it cannot be used at merchants that require this security feature and the physical version of the FCF Pay card is available, but it does require KYC.


CoinDebit is a company that offers an anonymous crypto debit card. It allows you to load bitcoin onto a prepaid debit card securely, fast, and anonymously. The company was founded in 2020 and offers both virtual and physical prepaid cards that can be purchased with bitcoin.

One of the benefits of using CoinDebit is that there are no fees associated with the service. The company earns money through fees paid by the merchant to process the transaction. Another benefit of using CoinDebit is that if offers a non KYC crypto debit card. It does not require any personal information from you. This means that you can remain anonymous when making purchases with their CoinDebit card.

Moon used to offer a crypto debit card with no KYC until February 15th, 2023, when it stopped issuing the card due to termination of our contract with the card’s issuing bank. Moon will notify users via email, social, and website when they become available again.

Nexo Debit Card

Unlike most crypto cards, Nexo card lets you use your crypto as collateral to spend its fiat value at millions of merchants worldwide without having to sell it. The card is tied to Nexo’s credit lines, so all purchases are deducted automatically from your available credit line. This means that your portfolio remains intact, and you can still earn interest on your crypto holdings.

The credit line can use one or multiple assets as collateral, allowing you to spend up to 90% of the value of your crypto without selling it. You also earn crypto rewards with every purchase you make with the Nexo Card. Visa Debit Card comes with an excellent Visa debit card you can use to spend over 90 cryptocurrencies and over 20 fiat currencies. It’s a pre paid card so you need to top it up before you can use it. You can use it anywhere where a Visa card is accepted. It offers discounts and cash withdrawals from ATMs. (CDC) crypto debit card does not have issuance, monthly fee, or annual fee. You can get up to 100% back when you spend on Spotify, Netflix, and Amazon Prime and 8% back on regular purchases. It also offers free airport lounges access. However, is known for regularly changing their rewards rates.

Some of the cryptocurrencies supported include Bitcoin, Litecoin, Ether, TUSD, EOS, Ripple, PAX, and XLM. You can fund the account through bank wire, debit, or crypto transfer.

Cryptopay Debit Card

Cryptopay debit card allows cardholders to buy popular digital assets using Visa or MasterCard debit card. You can also use the card to make faster payment deposit. You can shop with confidence since the card spreads your digital assets between your hot, warm, and cold storage.

Getting Crypto Debit Cards for Anonymity or to Earn Rewards

Crypto debit cards offer a reliable means to spend your cryptocurrency assets in real-world transactions. With a number of options available, each boasting distinct features and advantages, selecting the right card involves considering factors such as fees, rewards, and supported countries and cryptocurrencies.

In this review, we’ve curated a list of best crypto debit cards currently dominating the market. Whether you prioritize online anonymity with no KYC requirements or seek to earn rewards and cashback from your purchases, there’s a card tailored to your preferences. For instance, if you’re keen on a no-KYC option, CoinDebit and PlasBit emerge as favorable choice.

Crypto Debit Cards FAQ

What is a Crypto Debit Card?

A crypto debit card is a card that lets you make day-to-day transactions using cryptocurrencies such as Bitcoin, Ethereum, and other digital assets. A majority of crypto debit cards are supported by Visa or MasterCard and you can use them to spend where Visa or MasterCard are accepted.

How do Crypto Debit Cards Work?

Crypto debit cards work the same way as prepaid debit cards. They can be loaded with cryptocurrencies and use your crypto to make purchases online and in-store from merchants.

Most crypto debit cards can convert digital currencies to fiat currencies when cardholders are making online or in-store payments. They can also be used to make cash withdrawals from ATMs in whatever fiat currency the card supports.

Where Can I Use Crypto Debit Cards?

Crypto debit cards are issued by cryptocurrency exchange platforms in partnership with major credit card services. You can use crypto debit cards to make in-store and online purchases where the card is supported. You can also use the crypto debit card to withdraw cash at any ATM where the card is supported.

Are Crypto Debit Cards Safe to Use?

Yes. Crypto debit cards are safe to use, as long as the issuer does not get hacked or go bankrupt. The going recommendation is to only load the card with money you spend, and to keep the remaining coins offline, e.g. with a hardware wallet. The cards themselves are safe to use: they come with two-factor authentication, biometric scanning, and mobile codes to ensure your assets are safe. Besides, some come with a companion app that you can use to control and secure your money.

Our goal

We want to inform you about the latest banking trends and developments, by providing comprehensive reviews of banks around the world offering virtual banking services and bitcoin based banking.

Our aim is to help you know the best bank accounts, how to open a bank account, best banks to invest and buy bitcoin, how to apply for payment and virtual cards, how to open a non-resident bank account in the US or EU, how to earn a passive income with your crypto, obtain a loan with your crypto deposits, and many other banking-related topics.