Crypto cards reviewed

A crypto card is an ordinary Visa, Mastercard or, less often, American Express card with a crypto account behind it. The shop never touches crypto: Mastercard's 2021 card programme for crypto companies required crypto spending to "enter and settle on Mastercard's network as traditional fiat currency". A regulated issuer, usually a bank in the US or an e-money institution in Europe, provides the card, and the crypto company handles the conversion. Crypto cards come in three shapes:

• Debit cards that sell crypto at checkout. The Coinbase Card is issued by Pathward, a US bank, and Coinbase converts your crypto to dollars for each purchase.
• Prepaid cards you top up first. The European version of the Crypto.com Visa Card works this way: you convert crypto into a euro card balance, then spend that balance.
• Credit cards that pay rewards in crypto. These are normal credit lines from a partner bank, such as the Gemini Credit Card (issued by WebBank) or the Coinbase One Card (issued by First Electronic Bank on the Amex network).

The headline reward is only half the sum. The rest sits in the fee schedule and in the conversion itself:

• The spread or trading fee each time crypto is sold. Coinbase charges no transaction fee on its card but says a spread applies; Bitpanda's card terms debit any trading fee on the asset you spend.
• Foreign-currency, ATM and card fees. Crypto.com's European card, at its entry tier in October 2026, charges €4.99 for the physical card, 2% on ATM withdrawals above a monthly free limit, 0.2% on non-euro spending inside the EU and UK and 2% outside them, and 1% to top up the card with a debit or credit card.
• Conditions attached to the reward. Higher tiers often need a paid subscription or a locked native token: Crypto.com's top European tiers require locking CRO for 12 months.
• Membership fees on credit cards. The Coinbase One Card needs a Coinbase One plan, starting at $49.99 a year.

The main risks are tax on every crypto purchase, a balance with no deposit insurance, card programmes that can shut at short notice, and rewards that can lose value.

• Every crypto purchase can be a taxable sale. The IRS treats crypto as property, and paying for goods "of any dollar amount (example: a cup of coffee)" is a disposal you report as a gain or loss. As of October 2026, US law has no small-purchase exemption.
• The balance is not a bank deposit. The FDIC says its insurance does not cover crypto or the failure of a non-bank crypto company. A "Member FDIC" line on the card refers to deposits at the issuing bank; it does not insure your crypto. In Europe, Crypto.com's card terms say the e-money balance is not covered by deposit insurance or the UK's Financial Services Compensation Scheme.
• Card programmes can stop. In June 2020 the UK regulator halted Wirecard Card Solutions, cutting off Crypto.com and TenX cards for about four days. Visa ended its FTX card deal days after FTX's bankruptcy in November 2022, and Binance's European card stopped working on 20 December 2023.
• More programmes shut in 2026. Ready's and Solflare's cards stopped at short notice after their provider Kulipa wound down, and Cypher wound down its card after it was sold. Gnosis Pay's consumer card stops on 20 December 2026. Ready and Gnosis Pay say funds held in the user's own wallet are not affected, but the card itself stops working.
• Rewards paid in a volatile token can lose value before you spend or sell them.

Every card gets the same five weighted pillars, set out in our card scoring methodology: cashback value (30%), fees and limits (25%), which coins you can spend (20%), geographic availability (15%), and the trust and stability of the issuer and programme (10%). We score the reward you keep after conditions, not the top rate on the card art.

Two cards have published, scored reviews so far. The other cards listed on this page have no score yet.

• Crypto.com Visa Card review: tiered prepaid cards with CRO rewards.
• Coinbase Card review: a US debit card that sells crypto at checkout.
• Crypto neobanks: bank accounts and apps that hold crypto alongside your card.
• Crypto tax in the USA, 2026: how card spending shows up on your return.