Cryptocurrency adoption has surged, with global crypto users reaching 420 million in 2024. As digital assets become mainstream, the demand for seamless integration between crypto holdings and daily transactions has grown exponentially.
Crypto debit cards fill this gap, allowing users to spend their digital assets as easily as traditional currency.
This article will explore the top places to get a crypto debit card in 2025, highlighting their features, benefits, and what sets them apart.
Key Takeaways
- Crypto debit cards bridge digital assets with everyday spending
- Leading providers include Coinbase, Crypto.com, and Binance
- Features vary by region, with rewards ranging from 1% to 8% cashback
- Card selection depends on trading volume, preferred cryptocurrencies, and regional availability
What is a Crypto Debit Card?
A crypto debit card is a type of payment card that allows users to spend their cryptocurrency holdings in real time. These cards are linked to a user's cryptocurrency wallet and can be used to make purchases online or in-store, just like a traditional debit card.
"Crypto debit cards represent the convergence of traditional finance and the crypto ecosystem, enabling real-world utility for digital assets." - Brian Armstrong, Coinbase CEO.
Benefits of Crypto Debit Cards
Crypto debit cards offer several benefits, including:
- Convenience: Crypto debit cards allow users to spend their digital assets in real time, eliminating the need for cumbersome exchange processes.
- Security: Crypto debit cards are secure, using advanced encryption and two-factor authentication to protect user funds.
- Flexibility: Crypto debit cards can be used online or in-store, making them a versatile payment option.
- Rewards: Many crypto debit cards offer rewards programs, providing users with cashback, discounts, or other incentives.
Related: How to Transfer Funds from Crypto Card to Fiat Wallet in 2024.
Best Places to Get a Crypto Debit Card
After extensive research, we've compiled a list of the top places to get a crypto debit card in 2025. Here are our top picks:
UPay Card
Best For: Crypto Card and wallet for seamless transaction
UPay is a digital asset management platform offering seamless global transactions through its integration with the Visa network. It provides fast and secure cryptocurrency payments, real-time exchange rates, and low fees. Users can apply for virtual or physical cards, track expenses, and enjoy payment compatibility across multiple currencies.
UPay also offers remittance services and complies with high-security standards, including AML and KYC verification. It supports over 55 million merchants globally and provides a transparent, convenient financial experience.
Platform Compatibility: The UPay Card is compatible with Google Pay and Apple Pay, allowing for convenient contactless payments. It operates on the global Visa network, making it usable at over 55 million merchants worldwide. Additionally, it supports multiple currencies, making it ideal for both domestic and international transactions.
Features
- Seamless global transactions within the Visa network
- Streamlined digital asset management
- Quick and easy application process
- Convenient expense tracking
- Virtual and physical card options
- Google Pay and Apple Pay integration
Cons
- Collateral Fee: Some card options, like the Precious and Euro cards, require collateral fees, which can add to the cost of usage.
- Country Availability: UPay may have limited availability depending on your location, as the platform may be restricted in certain regions.
- Limited Information on Rewards: Unlike some competitors, there is limited information on cashback or other spending rewards, which may not appeal to reward-focused users.
Uphold Card
Best for: Users seeking a versatile card with low fees and cashback rewards
The Uphold Card is a Mastercard debit card that allows users to spend various assets, including cryptocurrencies, precious metals, and fiat currencies, directly from their Uphold account. It supports over 250 digital currencies, providing extensive flexibility. Users can earn 1% cashback in GBP on eligible purchases and enjoy 0% foreign transaction fees, making it ideal for international use.
Platform Compatibility: The Uphold Card is compatible with iOS and Android devices, allowing users to manage their card through the Uphold mobile app. It supports integration with digital wallets like Apple Pay and Google Pay for contactless payments. The card can also be used worldwide wherever Mastercard is accepted, with low foreign exchange fees for international transactions.
Features:
- Eligibility: Available to all individual Uphold users in the UK; business accounts are excluded.
- Cost: The virtual card is free. A physical card can be requested for a one-time shipping fee of £9.95.
- Rewards: Rewards are credited to your GBP account by the 15th of the following month. There’s a rewards cap of £100 per month.
- Spending Limit: Users can spend up to £10,000 per day, with a maximum of 50 transactions daily.
- Foreign Use: Low foreign exchange rates, making it ideal for international use.
- Supported Currencies: Spend any national currency in your Uphold wallet. Other assets need to be converted to a national currency.
- Widely Accepted: Usable anywhere Mastercard is accepted.
- ATM Fees: £2.50 for UK ATM withdrawals and £3.50 for foreign ATM withdrawals.
Cons
- ATM Fees: Charges for both national (£2.50) and foreign (£3.50) ATM withdrawals.
- Rewards Cap: Monthly rewards are capped at £100, limiting benefits for high spenders.
- UK-Only Eligibility: Currently, only available for individual users in the UK, excluding other regions and business accounts.
- Currency Conversion Requirement: Non-currency assets need to be converted to a national currency before spending, which may involve additional steps or fees.
"Crypto debit cards enable users to convert cryptocurrency into fiat currency for everyday purchases. Linked to major networks like Visa or Mastercard, they are widely accepted by merchants globally. Many also offer rewards and mobile wallet integration, making them convenient for crypto users.
Crypto.com Card
Best for: High-volume traders seeking premium benefits
The Crypto.com Visa Card functions as a prepaid card, which operates similarly to a debit card. The main distinction is that while debit cards are directly linked to your bank account, prepaid cards require a balance to be loaded onto them. With Crypto.com, you can add funds to your card through bank transfers, other credit or debit cards, or even with cryptocurrency.
Platform Compatibility: The Crypto.com Visa Card is a prepaid card that can be used at any merchant or ATM worldwide that accepts Visa, encompassing over 40 million points of sale globally. To manage your card, you can use the Crypto.com App, which is compatible with both iOS and Android devices. Additionally, the card supports integration with digital wallets such as Apple Pay and Google Pay, allowing for convenient contactless payments.
Features:
- Up to 8% cash back on purchases
- Airport lounge access (higher tiers)
- Spotify and Netflix rebates
- No foreign transaction fees
Cons
- High Staking Requirement: Access to higher-tier benefits requires staking a large amount of CRO tokens.
- Rewards in CRO: Cashback rewards are given in CRO tokens, which are subject to crypto market volatility.
- Top-Up Fees: A 1% fee applies when topping up with a credit or debit card.
- Inactivity Fees: A monthly fee applies after 12 months of inactivity.
Coinbase Card
Best for: Coinbase users
The Coinbase Card is a Visa debit card that enables users to spend their cryptocurrency holdings directly from their Coinbase account at any merchant that accepts Visa. This card supports various cryptocurrencies, including Bitcoin (BTC), Ethereum (ETH), Litecoin (LTC), and more. Users can earn crypto rewards on every purchase, enhancing the value proposition for regular crypto users.
Platform Compatibility: The Coinbase Card can be used at any location that accepts Visa® debit cards worldwide. When you choose to spend cryptocurrency, Coinbase will automatically convert it into Pound Sterling (£) for purchases and ATM withdrawals.
Features:
- Support for multiple cryptocurrencies
- Crypto rewards on every purchase
- Direct integration with Coinbase account
- No annual fees
- Contactless payments and ATM withdrawals
Cons
- Conversion Fees: Fees apply when converting crypto to fiat for spending.
- Crypto Volatility: Spending power can fluctuate with crypto market changes.
- Tax Implications: Using crypto for purchases may create taxable events.
- Limited Availability: Not available in all countries.
Wirex Card
Best for: Global users seeking multi-currency support
The Wirex Card functions as a debit card, allowing you to spend directly from your Wirex account, including both cryptocurrency and traditional fiat funds. Unlike a credit card, it relies on your balance for transactions. If you’d rather keep your crypto holdings intact, Wirex Credit provides the option to take out a loan.
Platform Compatibility: The Wirex Card is widely accepted at over 61 million locations worldwide, wherever Visa or Mastercard is recognized. This flexibility supports both online and in-store purchases, as well as ATM withdrawals, ensuring broad coverage for all your spending needs.
Features
- Up to 8% Cryptobackâ„¢ rewards in WXT
- Supports 150+ traditional and cryptocurrencies
- Real-time conversion at interbank rates
- Free international ATM withdrawals (limits apply)
Cons
- Withdrawal limits and fees for higher amounts
- Cryptobackâ„¢ rewards vary depending on the spending amount
- Limited support for high-volume crypto traders
Nexo Card
Best for: Crypto borrowers and long-term holders
The Nexo Card offers both Credit and Debit Modes, allowing flexibility in how you access funds. In Credit Mode, you can make purchases by using your crypto as collateral, preserving its value while borrowing at rates as low as 2.9%. Debit Mode lets you spend directly from your account balance, including cryptocurrencies and stablecoins, with the option to earn daily compound interest on unused funds while also prioritizing assets for spending. Additionally, you earn crypto cashback on purchases in Credit Mode, with rewards based on your Loyalty Tier—up to 2% in NEXO Tokens or 0.5% in Bitcoin.
Platform Compatibility: The Nexo Card operates on the Mastercard network. It is globally compatible with over 100 million merchants and supports digital wallets like Apple Pay and Google Pay for seamless, contactless payments. Fully integrated with the Nexo platform, it enables users to manage spending, switch modes, and utilize multiple crypto and fiat currencies directly through the Nexo app.
- Dual Spending Modes:
- Credit Mode: Borrow against your crypto holdings with interest rates starting at 2.9%, allowing you to retain your crypto’s growth potential.
- Debit Mode: Spend directly from your available balance, including cryptocurrencies and stablecoins, while earning daily compound interest on any unspent funds.
- Flexible Asset Prioritization:
- Choose the order in which assets are spent by simply dragging and dropping them into the app.
- Automatically moves to the next available asset for large purchases, with the ability to disable specific assets from being used.
- Crypto Cashback Rewards:
- Earn cashback on every purchase in Credit Mode, with rewards paid in either NEXO Tokens or Bitcoin.
- The cashback rate is based on your Loyalty Tier, with rewards of up to 2% in NEXO Tokens or 0.5% in Bitcoin.
- The card has no hidden fees, including zero annual, monthly, or inactivity fees.
- Accepted anywhere, Mastercard is supported, enabling purchases and ATM withdrawals worldwide.
Cons
- Cashback percentages depend on your NEXO Token holdings, potentially limiting rewards for users with fewer tokens.
- While Credit Mode offers low interest rates, the cost of borrowing could increase if market conditions change or if your account collateral decreases.
- The Nexo Card may not be available in all countries, so its use is limited to specific regions.
- While cashback is available in Bitcoin, the maximum rate is capped lower than for NEXO Tokens (0.5% vs. 2%).
- Some users may have access to a virtual card only, limiting their ability to use it in physical stores without contactless payment options.
Comparison Table
Crypto Debit Card | Best For | Cashback Rewards | Fees | Supported Currencies | Special Features |
UPay Card | Crypto Card and wallet for seamless transaction | Not specified | Zero annual fees | Multiple cryptocurrencies | Seamless global transactions, Google Pay & Apple Pay integration, virtual and physical card options |
Uphold Card | Low foreign exchange rates | Up to £100/month | £2.50 (UK ATM), £3.50 (foreign ATM) | National currencies in Uphold wallet | No foreign transaction fees |
Crypto.com Card | High-volume traders seeking premium benefits | Up to 8% (based on tier) | No foreign transaction fees | Multiple cryptocurrencies | Airport lounge access, Spotify & Netflix rebates, multiple card tiers |
Coinbase Card | Coinbase users | Up to 4% | Crypto-to-fiat conversion fees | Bitcoin, Ethereum, Litecoin, and others | Integration with Coinbase app for easy use |
Wirex Card | Global users seeking multi-currency support | Up to 8% in WXT | Free up to certain limits, foreign ATM fees | 30+ cryptocurrencies | Free foreign exchange within limits |
Nexo Card | Crypto borrowers and long-term holders | Up to 2% in NEXO or BTC | No monthly or annual fees | Multiple cryptocurrencies | Crypto-backed credit line and virtual cards |
Factors to Consider When Choosing a Crypto Debit Card
When choosing a crypto debit card, consider the following factors to ensure it meets your needs:
Source: Freepik
Supported Cryptocurrencies
When selecting a crypto debit card, it's crucial to check whether the card supports the specific cryptocurrencies you frequently use. Some cards may only support a handful of popular coins like Bitcoin, Ethereum, and Litecoin, while others offer a broader range of altcoins.
The more currencies a card supports, the more flexibility you’ll have in managing your crypto portfolio and spending. This is especially important if you hold multiple assets or plan to diversify your holdings.
Cashback and Rewards Programs
Crypto debit cards often come with cashback rewards and incentives for using the card. These rewards are typically given in the form of cryptocurrency or native tokens, which can accumulate over time and provide significant value. The percentage of cashback varies by card, often depending on the card tier, and can range from 1% to 8% or higher.
Additionally, some cards offer extra perks like Spotify and Netflix rebates, airport lounge access, or even higher rewards when you stake the card issuer's token. It's important to evaluate the reward structure to maximize benefits based on your spending habits.
Fees and Charges
Crypto debit cards can come with various fees, including annual fees, monthly maintenance fees, foreign transaction fees, ATM withdrawal fees, and currency conversion fees. Some cards have no fees or waive certain charges, while others may impose high fees, especially for premium features.
It's important to understand the fee structure for each card to ensure it aligns with your financial needs. Consider cards with minimal fees or those offering fee waivers if you meet certain criteria, such as staking the platform's native token.
Geographical Availability
The availability of crypto debit cards can vary based on your location, with some cards restricted to certain countries or regions due to regulatory considerations. Make sure the card you choose is available in your country and supports the use cases you need, such as international purchases or free ATM withdrawals abroad.
For frequent travelers, finding a card with low foreign transaction fees and wide international acceptance is particularly important.
Card Type (Physical vs. Virtual)
Crypto debit cards are available in both physical and virtual forms. A physical card is ideal for in-store purchases and ATM withdrawals, while a virtual card can be used for online shopping. Some cards offer both options, providing greater flexibility for different use cases.
Assess whether you need the physical card for everyday purchases or if a virtual card would suffice for online and contactless payments through smartphone wallets.
Integration with Payment Platforms
Integration with popular payment platforms like Google Pay, Apple Pay, and Samsung Pay can make using your crypto debit card more convenient. This allows you to use your smartphone for contactless payments without needing a physical card.
For users who prefer a seamless payment experience, choosing a card that supports integration with these platforms can greatly enhance usability.
Security Features
Security is a critical factor when using a crypto debit card, given the potential risks associated with digital assets. Look for cards that offer robust security measures such as two-factor authentication (2FA), instant transaction notifications, the ability to lock and unlock the card via the app, and advanced encryption. These features help protect your account from unauthorized access and fraud.
Security remains paramount in the crypto space, with card providers investing heavily in protective measures." - Security expert Andreas Antonopoulos.
Spending Limits
Crypto debit cards often come with spending and withdrawal limits, which can be daily, weekly, or monthly. Some cards may impose low limits on free ATM withdrawals, while others allow higher spending amounts without extra fees.
It’s essential to ensure the card’s limits are suitable for your typical usage. If you plan to make large purchases or withdraw significant amounts of cash, consider a card with higher spending limits or flexible upgrade options.
Ease of Use and User Experience
The card's associated app and platform play a significant role in your overall experience. A user-friendly app can make it easier to track spending, manage your account, convert crypto to fiat, and access support. Some platforms provide additional features like budgeting tools, spending analytics, and real-time balance updates.
Choose a card that offers a well-designed and functional app to make your experience as smooth as possible.
Customer Support
Reliable customer support is essential, especially for financial products involving digital assets. Crypto debit cards can sometimes face issues like payment failures, lost cards, or account security problems.
It's important to choose a provider that offers multiple customer support channels, such as live chat, email, and phone support, with fast response times. User reviews can also help gauge the quality of customer service.
Reputation of the Card Issuer
The reputation of the card issuer is a crucial factor to consider. Established companies and exchanges with a solid track record in the crypto space are more likely to offer a reliable and secure product.
Read user reviews, industry analyses, and expert opinions to assess the issuer's reputation. Avoid cards from companies with a history of poor customer service, frequent security breaches, or regulatory issues.
Additional Features
Some crypto debit cards come with unique features that can add value, such as staking rewards, interest on crypto holdings, insurance coverage, or access to premium services like airport lounges.
Evaluate these additional benefits to see if they align with your lifestyle and financial goals. For example, if you regularly travel, a card with airport lounge access might be valuable, while a card offering interest on crypto deposits could be beneficial for long-term holders.
Final Thought
Crypto debit cards offer a convenient and secure way to spend digital assets in real time. With numerous options available, it's essential to research and compare features, benefits, and availability before choosing a card.
Our top picks offer a range of benefits, including no exchange fees, cashback rewards, and discounts on select purchases. As the demand for cryptocurrency debit cards continues to grow, we can expect to see even more innovative solutions emerge in the market.
FAQ
Yes, crypto debit cards are generally safe to use. They employ multiple security measures, including encryption, two-factor authentication, and fraud protection, similar to traditional cards.
The supported cryptocurrencies vary by provider. Most major cards support Bitcoin and Ethereum, while some offer compatibility with 50+ different cryptocurrencies.
Using a crypto debit card may trigger taxable events. Each transaction potentially involves converting cryptocurrency to fiat, which could be subject to capital gains tax in many jurisdictions.
If you lose your crypto debit card, the process is similar to losing a traditional card:
Immediately freeze the card through the provider's app
Contact customer support
Request a replacement card