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Best Crypto Cards in Kenya
Swen Keller
This article lists the best crypto cards in Kenya and covers each crypto exchange card by exploring their pros and cons, unique features, and security.
To create this crypto debit card list we got first-hand experience of each debit card, studied user reviews, and considered expert opinion.
Which is the Best Crypto Card in Kenya? Our Opinion:
Our pick for the best crypto debit card in Kenya is Choise.com.
This is primarily because unlike most physical and virtual cards offered by cryptocurrency exchanges Choise.com offers both MasterCard and Visa as payment processors.
Choise.com Crypto Card - Best Crypto Card in Kenya For Apple Pay Users
Previously known as Cyperterium, the Choise.com crypto card, unlike most crypto cards, is compatible with Apple Pay.
It is powered by Mastercard and Visa.
The Choise.com crypto card is available as a virtual crypto card and plastic card which can be used to withdraw at ATMs in over 200 countries.
You can top up your Choise.com crypto card using cryptocurrencies like Bitcoin, Ethereum, and Litecoin.
Features
Compatibility With Apple Pay
As stated earlier, the Choise.com crypto card is compatible with Apple Pay, but unlike other crypto cards, it does not facilitate transactions.
Instead, you make transactions with the crypto card through your Apple Pay account.
Security
The Choise.com crypto card is a secure crypto card protected by Ledger Vault and BitGo, 2 of the best-certified custodians of crypto assets.
The crypto card is also secured with security features like an anti-fraud protocol and a 3-layer security system.
Pros
- Supports top-up with crypto
- Offers a free virtual card
- Can be used for ATM withdrawals in over 200 countries
Cons
- It's functionality is dependent on Apple Pay
- No rebates or cashback
Crypto.com Crypto Card - Best Crypto Card For Earning High Rewards
The Crypto.com crypto card is a debit card that allows users to spend directly from their crypto balance.
The card stands out from other crypto cards for its high-earning rewards and the benefits it offers to cardholders. Cardholders and active users who stake CRO tokens receive crypto rewards and enjoy up to 10% cashback and several benefits including private jet partnership, Airbnb reimbursement, and airport lounge access on all transactions made with the Crypto.com card.
Features
Cashback Rewards
Crypto.com cardholders enjoy up to 10% cashback rewards on all eligible cash transactions.
These rewards are paid in the native token of the ecosystem, the CRO token.
The CRO tokens are instantly deposited into the cardholder’s crypto wallet once the transaction is made.
Crypto.com also offers debit card purchase rebates on subscriptions like Netflix and Spotify.
These rebates are reimbursed in the USD equivalent.
Security
The Crypto.com debit card is a secure crypto card managed directly from the Crypto.com app. It is protected with several security features including a PIN code, automatic sign-out, and multi-factor authentication.
The automatic sign-out feature automatically logs you out during periods of inactivity.
Pros
- It offers different card tiers
- Free atm withdrawals up to $1,000
- Up to 10% cashback rewards
Cons
- High rewards are only available to users who stake CRO tokens.
Coinbase Card - Best Crypto Card With Zero Spending Fees
Coinbase Card is a leading crypto card globally and one of the best in Kenya. Conbase is also one of the best exchanges to buy bitcoin and also sell Bitcoin in Kenya.
This is a Visa debit card that allows you to spend directly from your Coinbase cash balance or crypto balance.
It also gives you a convenient payment method for both online and offline purchases. It can be used anywhere Visa cards are accepted online and offline.
The Coinbase Card stands out for its zero spending fees on all cash purchases and the cashback it offers on eligible card purchases.
Cashback rewards range between 1% to 4%.
The Coinbase Card can be accessed and managed directly from the Coinbase mobile app.
Features
Coinbase Card Rewards
As stated earlier, the Coinbase card stands out for the rewards it offers cardholders on eligible purchases.
These rewards are paid in the form of crypto tokens for every purchase made using the card.
Coinbase has a list of rewards where you can choose new rewards from every month.
Security
Drawing upon our practical trials with this crypto card we can state that the Coinbase crypto card is backed by a secure exchange. The Coinbase exchange is a secure platform to buy and sell crypto in Kenya.
Available security features for the Coinbase card include card locking, card freezing, two-factor authentication, and PIN change when the card is lost.
Pros
- Zero spending fees
- Supports contactless payments
- Offers card rewards
- Supports direct crypto to USD or AUD conversion
- Integrates with Apple and Google Pay
Cons
- High ATM withdrawal fees
Comparison Table of Cards in Kenya
| NAME OF CARD | CARD PROCESSOR | REWARDS | TYPE OF CARD | CARD GENERATION FEE |
|---|---|---|---|---|
| Choise.com Card | MasterCard and Visa | No | Virtual and physical card | Free for virtual card |
| Crypto.com Card | Visa | Up to 5% cashback and other perks | Virtual and physical card | Free for the lowest card tier |
| Coinbase Card | Visa | Cashback of 1% to 4% | Virtual and physical card | No generation fee |
What is a Crypto Card?
A crypto card is a credit or debit card issued by cryptocurrency exchanges that is funded using cryptocurrencies which are then spent like fiat currency during transactions.
How does it Work?
A crypto card works like a regular debit card, which means that you must fund your exchange digital wallet with eligible digital currencies (just as you would fund your bank account) and then you can use your card to facilitate transactions in fiat currency.
The crypto card will convert the digital currencies in your Bitcoin wallet, for example, to a fiat currency like the Euro or Dollar at the Point of Sale.
Types of Crypto Cards
There are 2 types of crypto cards: virtual cards and physical cards.
The virtual crypto card simply provides you with a card number, CVV, and date of issuance which you can input when you want to make a transaction.
Virtual cards are strictly for use online and cannot be used physically for the most part.
Physical crypto cards, on the other hand, are shipped to your registered location on the exchange and can be used at local ATMs or Point of Sale machines.
How to Use Your Crypto Card
To use your crypto card, you just need to fund your digital wallet on the issuing exchange account with a supported digital currency.
Once it has been funded you can then use the card’s details if it is virtual to make payments or insert the card into an ATM if it is physical.
How to Choose the Right Crypto Card?
To choose the right crypto card you need to consider the following parameters:
- Card processor (MasterCard, Visa, American Express, etc)
- Transaction fees
- Card generation fee
- Applicable cashback and rewards for using the card
How to Get a Crypto Credit Card
Most exchanges offer crypto debit cards but you can get a crypto credit card from Gemini cryptocurrency exchange.
To find out if you qualify the exchange will run a credit check.
Final Thoughts
In summary, the crypto cards featured above represent the top options available in Kenya today. When selecting the ideal card for your needs, consider a variety of critical factors including the processors supported, fee structures, and the benefits such as cashback rewards. By carefully evaluating these parameters, you can make an informed decision that not only meets your financial requirements but also maximizes your rewards and minimizes costs in your crypto transactions.
FAQ
Most frequent questions and answers
The best card for crypto depends on your particular needs as an individual. However, some options like Choise.com crypto card offer multiple payment methods and card processors.
Crypto cards in Kenya include Choise.com card, Coinbase card, and Crypto.com card.
Some of the best crypto-friendly banks that allow you to buy crypto in Kenya include Bank of Africa, Standard Chartered Bank, and Bank of Baroda.
The best crypto exchange to buy and sell Bitcoin in Kenya is Binance. It offers several payment options, crypto pairs, and low trading fees.
Skrumble.com provides all its content for informational purposes only, and this should not be taken as financial advice to buy, trade, or sell any investment instruments or products, including but not limited to cryptocurrencies, or use any specific exchange. Please do not use this website as investment advice, financial advice, or legal advice, and each individual’s needs may vary from that of the author. Investing in financial instruments, including cryptocurrencies, carries a high risk and is not suitable for all investors. It is possible to lose the entire initial investment, so do not invest what you cannot afford to lose. We strongly advise conducting your own research before making any investment decisions. This post includes affiliate links with our partners who may compensate us.
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