The Best And Safest Crypto Debit and Credit Cards

A Complete List Of Bitcoin Debit Cards (2) (1)

In the bustling landscape of digital finance, the demand for a reliable and efficient way to spend cryptocurrencies has never been higher. Enter the realm of crypto cards, a revolutionary solution that bridges the gap between digital assets and traditional spending. From the best crypto credit card to the most user-friendly bitcoin card, the options are vast and varied. But how does one sift through the myriad of choices to find the best crypto debit card that aligns with their needs?

Whether you’re on the hunt for a bitcoin debit card with low fees or a comprehensive list of crypto debit cards that offer premium perks, this article is your ultimate guide. Dive in as we explore the top contenders in the market, ensuring you make an informed decision when choosing the best crypto card for your financial endeavors.

The list of merchants that accept Bitcoin is continuously expanding. However, it’s still not possible to purchase everything with Bitcoin. But you can now order your own Bitcoin debit card, thanks to several companies in the Bitcoin ecosystem.

It’s as simple as it sounds. Bitcoin debit cards help bridge the Bitcoin world with traditional finance. You can simply load a debit card with bitcoins or altcoins and spend them at almost any credit card accepting merchant.

It is incredibly easy to buy stuff with a crypto debit card and you will see how further down in this article.

Quick summary: Best Crypto Cards
Card NameDescriptionNotable Features
🌐 Binance CardOperated by Binance-owned crypto-commerce house Swipe. Available in Europe, with plans to launch in the US.Converts users’ crypto funds into local currency for spending.
💳 Uphold Crypto CardA versatile Mastercard debit card that allows switching between funding sources.Can be used at almost 50 million merchants and ATMs globally.
🔵 Coinbase Visa Debit CardTied to a user’s cryptocurrency balance in Coinbase wallets.Available in the UK and selected EEA countries. Supports EUR, GBP, and BTC.
🟣 Embily CardProvided by Lithuanian startup Embily. Available in the EU.Offers both plastic and virtual cards.
🏆 ClubSwan Crypto CardCaters to high-net individuals. Available globally.Subscription-based service with high spending and funding limits.
🌍 Wirex Visa Debit CardOffers USD, EUR, GBP, and cryptocurrency debit cards.Supports BTC, ETH, XRP, and LTC deposits.
🔶 BlockCardIssued by Ternio LLC. Available in the USA, with plans for the EU.Supports 13 different cryptocurrencies.
🔷 Visa CardOffered by exchange.Provides up to 8% cashback on card usage.
💰 NEXO CardOffered by Nexo, primarily known for crypto loans.Plans to launch both physical and virtual cards.
💼 BitPay VISA Debit CardAvailable to US residents from all 50 states.Each card can hold up to $25,000 in funds.

Bitcoin debit cards do not allow users to spend bitcoins directly. However, they at least allow people to store balances in bitcoin.

Bitcoin balances can be held up until the need to spend because most debit card top ups only take a couple of seconds to confirm.

In this article, we’ll take a look at seven of the market’s best Bitcoin debit cards. Bitcoin has made a lot of progress in seven years, and perhaps in the year 2025, the vast majority of the mainstream world will offer a Bitcoin payment option just as ubiquitously as they do PayPal. The world still runs on plastic. That’s why the Bitcoin business community has begun to offer more and better debit card options over the last three years.

Before we list the best crypto debit card 2023, let’s quickly glance over the benefits of these services.

Best Bitcoin Debit Cards of 2023

Pros & Cons of Using a Bitcoin Debit Card

  • The pros are pretty obvious. Now, any place that accepts credit or debit cards would accept your Bitcoin debit card as well, which means that you can now buy virtually anything with Bitcoin. The merchants get paid in their own currency by the debit company and the charge will be deducted from your Bitcoin balance, which allows you to live purely on Bitcoin.For example, Bitcoin debit card is like the traveller’s check of the digital age. I always take my Bitcoin debit card when I travel abroad, as a backup card in case my money gets stolen.
  • Centralization is the major con of a Bitcoin debit card. You need to deposit money into your account at the debit card company in order to use the crypto card. This means you’re giving control over your coins to a 3rd party. This risk is decreased by not depositing too many Bitcoins into your balance. Basically, you should deposit only an amount you can afford losing in case of a hack.
  • Also, since you are using the service of these companies it comes with a price. This means that you can’t ignore the fees that Bitcoin debit card companies charge.

Complete list of working best bitcoin cards 2023

Binance Card

binance card

Binance Card is a newly introduced cryptocurrency debit card operated by Binance-owned crypto-commerce house Swipe. It is expected to be launched in the United States soon.

The card is currently available in Europe, citizens of all EU and EEA countries are legible to get a Binance card.

Binance Visa Card automatically converts users’ crypto funds into a local currency, enabling customers to spend crypto like Bitcoin (BTC) in 60 million locations around the world.

The Binance card was officially launched in Europe in July.

Swipe, Binance owned company that issues the card, is already available in 31 countries, mainly in the European Union, including countries such as France, Germany, Italy and Spain. Although the card is not yet available in the United States, the company supports payments in euros alongside other major Fiat currencies such as the euro and pound sterling.

Upon completion of the appropriate licensing and registration, the company will open its real-time crypto-Fiat conversion, debit card and issuing services to potentially “over 200 million adults in the United States.

Uphold Crypto Card

Uphold Card is a versatile Mastercard debit card that offers users the ability to switch between funding sources, including cryptocurrencies, fiat currencies, and precious metals. This card can be used at almost 50 million merchants and ATMs across the globe, making it an ideal solution for frequent travelers or those who want a flexible payment option.

Features and Benefits of Uphold Card:

Uphold Card comes with a user-friendly mobile app that provides comprehensive market data on various assets such as metals and cryptocurrencies. This app is easy to use and intuitive, and it can mirror the desktop app. Additionally, Uphold Card provides virtual and physical cards for users in the US and UK. However, the supported cryptocurrencies and fees vary depending on the user’s location.

Fees of Uphold Card:

Users must be aware of the various types of fees associated with Uphold Card, including ATM withdrawal fees, account maintenance fees, and foreign transaction fees. The fees also differ based on the user’s location.

How to Order and Activate Uphold Card:

Ordering the Uphold debit card is a hassle-free process that can be completed quickly. Users must first verify their phone number with the 6-digit code Uphold sends during registration. After reviewing their personal details carefully, users must confirm once they’re sure everything is aligned. The card can be activated using the Uphold Card mobile app or by phone using the activation code included in the package.

Using Uphold Card:

The balance in the Uphold exchange account is linked directly to the Uphold Card, and users can deposit funds from an external credit/debit card, crypto wallet, or bank account. The assets that can be deposited and withdrawn also vary depending on the user’s location. Uphold Card can be used online or in stores that accept Mastercard, and the merchant who receives the payment is paid in their local currency regardless of which asset was used to complete the purchase.

Is Uphold Card Safe and Legitimate?

Uphold is a well-respected and trustworthy company that has been operating in the crypto community since 2014. Uphold offers users robust security features such as two-factor authentication (2FA), data server encryption, and KYC identity verification for all users. Nonetheless, some users have reported problems with the Uphold Card app, including difficulty confirming the debit card and linking their bank account.

In conclusion, Uphold Card is an excellent option for users who need to switch between funding sources and want to withdraw or spend funds at almost 50 million merchants and ATMs worldwide. However, users must pay attention to the fees and supported assets depending on their location, and some users have reported issues with the Uphold Card app.

Get Uphold Card Now

Coinbase Visa Debit Card – best crypto debit card for the US customers

coinbase card

The new Coinbase Card is directly tied to a person’s cryptocurrency balance in digital wallets managed by the eponymous digital currency exchange. This is the latest product launched by the leading crypto exchange – Coinbase. Thanks to its huge reputation in the crypto world, Coinbase card is probably the best bitcoin debit card you can get (if you’re lucky and live in a country that is supported with this service).

Coinbase Bitcoin Debit Card
AvailabilityUK, Selected EEA
Supported CurrencyEUR, GBP, BTC
Card OptionsPhysical
Card TypeVisa
Native TokenNo

The crypto card will be associated with a users Coinbase account via a separate Coinbase card mobile app that is available for both iOS or Android. The cards can be used to withdraw cash at any VISA-supported ATM’s worldwide and make point-of-sale (POS) payments with either ‘chip and pin’ or contactless technology.

There’s a 2.49 percent fee charged for each transaction using the card – made up of 1.49 in conversion fees and one percent transaction fee. However there are no maintenance fees and no additional cost for ATM withdrawals – but you will need to withdraw less than £200 per month.

Using the card in other European countries will incur a 2.69 percent fee, and outside of Europe will see a 5.49 percent charge. Coinbase says it is planning to roll out the card to other European countries soon, but there are no plans for a US launch just yet.

Embily Card – best card for EU citizens

This is relatively new card on the market, provided by a Lithunian startup Embily (through the Electronic Money Institution Walletto UAB from Vilnius). You can choose between plastic and virtual card (that is created and ready instantly).

As for the fees & limits, it is pretty close to industry standard. Limits vary and depend on your tier – tier1 has the lowest limits (€500 daily ATM limit and €2500 monthly). Third tier can cash out €2500 per day and up to €10k monthly.

Fees for Embily Card are shown below:

  • Crypto load fee: 1.00%
  • Monthly Service charge per card: 2.00 EUR
  • Card Delivery with DHL: FREE
  • ATM balance inquiry: 1.00 EUR
  • ATM disbursement: 1.50 EUR + 2.00%
  • POS transaction successful: 0.25 EUR/trx
  • Account Funding (Card-to-Card) fee: 2 EUR
  • FX mark up: 1.50%
  • Chargeback handling – per chargeback: 30.00 EUR

This card is still not available in the US but the company has already opened a waitlist and plans to launch service for US citizens in the near future.

The card is available in the EU.

Get Embily Card Now

ClubSwan Crypto Card – great for high-net individuals

Not as known as the other cards from this list, ClubSwan is an excellent choice for those with deep pockets. ClubSwan is a comprehensive crypto service that caters to the high-end client with highest spending and funding limits in the industry. Plus, they are available globally. So if you are a crypto millionaire, this one is for you.

ClubSwan is a subscription based service with 4 different tiers that range from $35 to $125 per month. You also pay a joining fee, which ranges from $129 to $2495, depending on the chosen tier.

Card limits are:

  • $15,000 loading limit per day
  • $1,500 withdrawal limit on ATMS per day
  • $500,000 – unlimited account limit (depending on the tier)

They support different global currencies like USD, EUR, GBP (and CNY and JPY in higher tiers). Once you join ClubSwan you get a 24/7 concierge and a number of different perks (like cashback rewards, lower fees on purchases and transfers of cryptocurrencies etc).

Wirex Visa Debit Card

Wirex is a card company that offers its users USD, EUR and GBP and cryptocurrency debit cards to ease the use of traditional and digital money. They are one of the most established providers of crypto cards and their piece of plastic can definitely be considered as one of the best bitcoin cards.


The cryptocurrency debit card allows BTC, ETH, XRP and LTC deposits which can be converted to fiat currencies at live rates. The cards are delivered free worldwide on order, users will pay $1.50 USD management fee per month afterwards to cater for the operational costs.

Wirex Bitcoin Debit Card
Supported CurrenciesUSD, EUR, GBP, BTC
Card OptionsPhysical/Virtual
Card TypeVisa
Native TokenWXT
Perks/Bonuses0.5% Cryptoback

Other Wirex debit card fees include $2.50 USD for any ATM withdrawal within Europe and $3.50 USD for withdrawals outside of Europe. Online and offline payment for goods and services is not charged.

Bitcoin users are eligible to the Cryptoback program that returns 0.5% of your Bitcoin every time you punch in your pin, swipe, or use contactless pay with the Wirex VISA bitcoin debit card. The Wirex cryptocurrency card can be accepted around the world anywhere VISA is accepted.


  • The availability of many options of cryptocurrency and fiat payment systems.
  • Wirex is an established card company.
  • The Wirex mobile app offers efficient transactions to users. The app can be downloaded from Google Play Store, Apple Store or open an online account with Wirex.


  • Only available in Europe locking out other investors worldwide.
  • The management fee is quite high.


BlockCard is a cryptocurrency debit card issued by a company called Ternio LLC. It is currently available in the USA and soon will support customers from the EU as well. BlockCard offers a range of products: wallet, virtual debit card, plastic card and metal card.

The card supports 13 different cryptocurrencies that can be deposited on your BlockCard and used as a paying mean at all VISA terminals as the card converts your crypto into dollars in the background. You can use it at any place that accepts Apple Pay, Google Pay, or Samsung Pay.

BlockCard Visa Crypto Debit Card
Supported CurrenciesUSD + 13 cryptocurrencies
Card OptionsPhysical/Virtual
Card TypeVisa
FeesFree or $5/month
Native TokenTERN
Perks/Bonusesup to 6.38% APY Cryptoback

One of the great features of this crypto card is its ability to send crypto instantly to anyone who has BlockCard account. You just need his username to do it. It works without BlockCard account as well, as the receiver gets a link through which he can redeem his crypto you sent him.

Just like all other crypto debit cards listed here, this one requires KYC as well but the process is automatic and you are registered with BlockCard within 5 minutes.

Another big advantage of BlockCard is the fact it charges no fees on deposits, withdrawals or transactions. Instead, they charge a flat monthly rate and for most users, that fee is waived by using BlockCard Visa Bitcoin Debit Card. Please note that banking partners of Ternio/BlockCard do charge their fees so ATM withdrawals and balance inquiries do incur a fee ($3 and $0.50 respectively).

Monthly fee for the plastic card is $0/month for spends over $750 with a $500 daily ATM withdrawal limit and $5,000 spending limit. For spends below $750, the fee is $5 per month.

The metal card is yet to be released so there are no details on it as yet.

Rewards – This is probably most attractive feature of BlockCard. Thanks to their TERN token staking program, you can get a 6.38% annual reward by using the card and staking TERN token. Rewards are dependent on the amount of TERN tokens you stake with BlockCard and range from 1% to 6% APY. Thanks to their well-designed rewards program, BlockCard is definitely a serious candidate for the best crypto card of 2023.


  • Flat monthly fee
  • Attractive cashback rewards
  • Wide range of supported cryptocurrencies


  • Currently only available in the USA Visa Card


This is a card offered by the third largest crypto exchange – exchange. It works in pair with the CRO wallet app where you can do a lot of things: buy and sell crypto, stake, earn through savings, access DeFi etc.

MCO Bitcoin Debit Card
Supported CurrencyUSD, BTC
Card OptionsPhysical
Card TypeVisa
Native TokenCRO
Perks/BonusesCashbacks & Discounts

The list of advantages for card holders rivals that of any of the best Visa rewards cards. Users can use this Visa card with no annual fees, get free shipping, receive up to 4% cashback on purchases, and select cards get unlimited airport lounge access.

Users also have the ability to spend overseas and receive interbank exchange rates. And with the Platinum Referral Reward Program it’s possible for users to receive up to $10,000 sign-on bonus!

The card has no monthly fee and offers up to 8% cashback whenever you use your Visa Card. Plus, you get a 100% cashback on Amazon Prime, Netflix, and Spotify

The card is issued and delivered FREE of charge.

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Nexois very popular service, primarily for crypto loans but they also plan to launh their own debit card – both physical and free Virtual cards for safe online purchase. Nexo wallet (you don’t own the keys, better use hardware wallets) offers zero transaction fees and you can easily use your existing funds to use with your card. There will be no monthly/annual fees.

Features of Nexo card:

  • Freeze and Unfreeze your card with a single tap.
  • Create free virtual cards for online purchases
  • Cashback on all purchases
  • Payment in local currencies
  • View your Pin and change it at any ATM

Read the full Nexo card review here.

BitPay VISA Debit Card

Although this is the newest kid on the block, BitPay’s crypto debit card is probably the most exciting of the bunch. Bitpay is a well known company in the Bitcoin ecosystem. It provides payment solutions for individuals and businesses. It is the first Bitcoin debit card that is available to US residents from all 50 states, but you must have a home address (no PO boxes), Social Security number, and government-issued ID to apply.

BitPay Bitcoin Debit Card
Supported CurrenciesUSD, BTC
Card OptionsPhysical/Virtual
Card TypeVisa
Native TokenNo

The card costs a low $9.95 to obtain and there is also no charge to change your PIN (most cards here have a $1 charge.) This card arrives 7-10 days after purchase. It works with any ATM that works with VISA cards, and can also be used online, in-person.

You will pay a fee of 3% when traveling outside of the US to cover the cost of currency conversion. There is a $3.00 fee for any ATM or cash-back withdrawals outside of the US and a $2.00 fee for ATM or cash-back withdrawals inside the US.

Benefits include the highest limits of this comparison, because each card can hold up to $25,000 in funds, and up to $3,000 can be withdrawn daily, $750 at a time. These numbers are all highest in this review, which removes the need for any verification at all.

This card is exactly what you would want in a Bitcoin debit card. Customer support has been solid and the online account is easy to use. Transfers into dollars can be done in less than one minute and no documents needed for high limits.


  • Card is accepted worldwide
  • Well known and established company
  • Plenty of security and currency options to choose from
  • Online account is easy to use
  • Solid customer support


  • It requires verification
  • It doesn’t have chip and PIN
  • It is limited to US citizens only

Services to Avoid

  • BitPlastic– It was among the first Bitcoin debit cards, but they do not appear to be innovating much. Supposedly they are TOR compatible. However, whenever I try to use their services, I get strange error messages. Maybe there is too much cyber security on my computer for them!! To get started, BitPlastic actually encourages you to use TOR email and a fake name. Your name is not printed on the card because it does not require your ID. This is a double-edged sword. You can take money out of ATM’s anonymously. However, it can be difficult to find an offline merchant who will accept a nameless card at checkout.

List of crypto debit cards – Summary

In conclusion, finding the best crypto debit card that offers cashback rewards for purchases requires careful consideration of several factors. Users should look for cards that support a variety of crypto assets and consider whether they prefer a traditional debit card linked to a crypto wallet or a dedicated crypto credit card that connects their bank accounts with their crypto accounts. Some of the most popular options on the market include the Coinbase Card and various crypto credit cards.

Users can also choose to stake tokens to earn rewards, but should keep in mind that there is typically a lock-up period of six months. It’s also important to consider whether the card has foreign transaction fees and whether it supports popular digital asset payment systems like Apple Pay, Samsung Pay, and Google Pay. By taking all of these factors into account, users can find the crypto debit card that best meets their needs and helps them maximize their rewards.

No card is perfect and most of these cards are more or less the same. The difference is only in their branding because they probably all use the same card supplier to run their business. However, the market has come a long way since BitPlastic, and just because you own Bitcoin does not mean you can’t shop conveniently, anywhere in the world.

You now have plenty of solid options for the best crypto card 2023, but I recommend to make sure the bitcoin debit card you choose is available in your country and then use the one with the lowest fees. For example, using Coinbase Card is a reasonable option if you live in the US.

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Felix Küster
Felix Küster

Felix Kuester works as an analyst and content manager for Captainaltcoin and specializes in chart analysis and blockchain technology. He is also actively involved in the crypto community - both online as a central contact in the Facebook and Telegram channel of Captainaltcoin and offline as an interviewer he always maintains an ongoing interaction with startups, developers and visionaries. The physicist has couple of years of professional experience as project manager and technological consultant. Felix has for many years been enthusiastic not only about the technological dimension of crypto currencies, but also about the socio-economic vision behind them.

  1. Why no mention of BlockCard? It’s the only crypto debit card that processes transactions on the crypto exchange.

  2. Midex also allows you to purchase crypto via credit card and its so much easier and quick than spectro.

  3. I’ve been using Wirex for a while now and can say it’s a genuine company with fair rates and the debit card is issued by Wirecard (out of Germany) which is a trustworthy issuer of debit cards here in Europe. Just wanted to say this as I don’t think it’s fair to dismiss them just like that. Just my 2 cents…

  4. No polispay either…

  5. Shift is amazing. I’ve used it for a couple of years now and love it. I would have to argue with Walle that Shift ALSO processes transactions on the crypto exchange, as this is a Coinbase card. However, sadly, Shift will be nothing be a great memory as of April 11th of this year. This is unfortunate, as Shift is a pretty solid card. It was so nice to be able to say ‘Hmmm, I don’t have enough Bitcoin so I’ll just use my Litecoin’ and instantly switch that from my phone app.

  6. You forgot the best card right now

  7. Can you link it to CoinBase?

  8. What about What do you guys think about it? Has anyone tried it? Or using it?? Thanks

  9. Hey I have used Spend in the US and it is awesome I’ve only use the virtual card which I added to Apple Pay with no problem. You do that inside the app. You also do not have to remove your assets from their wallets you just pick which asset you want tied to the Spend visa And it somehow convert that to fiat at point of sale. I highly recommend it I have the ruby metal card but again with that you must transfer your crypt of assets to you Fiat Wallet or card So the money that you sent the card will not be able to produce any profit. That’s what makes the spend card so amazing

  10. Hey there! I’ve been using Blackcatcard for a while and fully satisfied with it so would like to mention it here. I use Blackcatcard – a euro debit card with an additional option of a hot crypto wallet. That’s not crypto debit card but the hot wallet is linked to the debit card so that’s like 2 separate products in one app. Exchange rates are always ok and transactions are fast

  11. Good day, could you please advise on a crypto card to be issued for South African citizens.
    Thank you

  12. I’m looking for cards that can be used in Canada. What do you recommend?

  13. OK, do ANY of these cards NOT require taking both biometric (face selfies) and all the other private information, (copy of your Driver’s license/passport), in order to get this card?

    WTF? Why is the ‘decentralized currency’as agent of change to fiat, acting like all the others, in controlling/knowing your private data?

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