Why Choose a Crypto Debit or Credit Card?
Cryptocurrency debit and credit cards allow you to spend your digital assets at millions of merchants worldwide, converting crypto to fiat in real-time via Visa or Mastercard networks. With a surge in options as of June 2025, as noted by Emily Lai on X, these cards vary in KYC requirements, fees, rewards, and regional availability. This matrix compares the latest programs, including those from exchanges like Coinbase, Binance, and Crypto.com, to help you find the best fit.
Card Program
Features
Benefits
Jurisdiction
Other Costs
Website
Redotpay
Visa card, virtual/physical options
Global payments at 130M+ merchants, instant issuance
Global
No specific fees disclosed
Kazepay
Visa debit card, Solana integration
Tested at Solana Summit, supports SOL
Global
Fees not disclosed
Tuyo
Self-custodial Visa card, USDC payments
No KYC, borderless use, bank account numbers in US/EU/MX
Global
Varies by transaction
Orbitx
Visa Platinum/Signature, virtual/physical
Lifetime free card option, referral rewards
Select regions
1-2% forex fees, 0.5-1% deposit fees
Lemoncard
Visa prepaid card, virtual/physical
Supports multiple cryptos, easy top-up
Global
Not publicly detailed
Metamask
Virtual card via partnerships, ETH wallet integration
Supports ETH/ERC-20 tokens, seamless wallet use
Global
Varies by third-party provider
Gnosis Pay
Visa card, DAO-managed funds
Decentralized control, multi-chain support
Global
Not disclosed
Holyheld
Visa card, virtual/physical
Popular in Europe, multi-crypto support
Global (Europe focus)
No public fee structure
Argent
Non-custodial Visa card
No KYC, self-custody, ETH support
Global
Minimal fees
Kast
Visa debit card, premium metal option
100M+ merchants, 2-3 min signup, Apple/Google Pay
Global
Not disclosed
Solcard
Visa debit card, instant issuance
No KYC, Apple/Google Pay, refund option
Global
5% top-up, 2% non-USD fee
Avici
Visa card, virtual/physical
Multi-crypto support, global use
Global
Not publicly available
Cypher
Visa card, privacy-focused
Supports privacy coins, secure transactions
Global
Varies by region
Xswipe
Visa prepaid card, virtual/physical
Multi-crypto support, fast issuance
Global
Transaction-based fees
Exa
Visa card, virtual/physical
Supports emerging cryptos, global use
Global
Not detailed
Nexo
Visa card, virtual/physical
Up to 2% cashback, 20+ crypto support
Global
Annual fees apply
Coinbase
Visa debit card, 2FA, card freeze
0.5% cashback in BTC/ETH, Apple/Google Pay
US, EU, UK
No annual fees, ATM fees apply
Binance
Visa debit card, Google/Apple Pay
Up to 8% cashback with BNB, global acceptance
Global (varies by region)
No annual fees, regional transaction fees
Crypto.com
Visa debit card, tiered benefits
Up to 5% cashback, free Netflix/Spotify
Global
No annual fees, ATM fees after limit
Gemini
Mastercard credit card, no card number
Up to 4% crypto rewards, $200 bonus
US only
17.24%-29.24% APR
Wirex
Visa/Mastercard debit, interest earning
Up to 8% cashback, 35+ cryptos
Global
1% deposit, $2.50 ATM fee
BitPay
Mastercard debit, contactless payments
Instant conversion, fraud monitoring
Global (US focus)
2% + $0.25 fee, $2.50 ATM
Reap
Visa corporate credit, spend management
Bill payments, business-focused
Multiple countries
Not disclosed
Elephants.inc
N/A
N/A (music merchandise store)
N/A
N/A
Key Considerations When Choosing a Crypto Card
KYC Requirements: Most cards (e.g., Redotpay, Orbitx, Nexo) require KYC for compliance, while Tuyo, Argent, and Solcard offer no-KYC options for privacy. Check local regulations.
Features & Benefits: Look for cashback (Nexo, Binance), instant issuance (Solcard, Kazepay), or unique perks like DAO control (Gnosis Pay) or bill payments (Reap).
Jurisdiction: Most cards are global, but Gemini is US-only, and some (e.g., Holyheld) have regional strengths. Verify availability.
Costs: Fees vary widely—BitPay has explicit charges, while many (e.g., Kast, Gnosis Pay) lack public details. Always check the provider’s site.
Security features like 2FA and fraud monitoring (Coinbase, BitPay) are critical. For privacy, no-KYC cards are ideal, but ensure they meet your needs. As of June 2025, the crypto card landscape is evolving rapidly—stay updated!