Close this search box.
Picture of Luis Clark
Luis Clark
Luis is a personal finance expert who has been passionate and writing about crypto for more than five years.
Table of Contents
    Add a header to begin generating the table of contents
    1. Home
    2. /
    3. USA & Crypto
    4. /
    5. Crypto Cards USA
    6. /
    7. Best crypto Card for...

    Best crypto Card for USA 2023


    Overall Best Crypto Debit Card for USA

    $ Sign Up Bonus

    T&Cs apply


    Easy-to-Use Bitcoin Card

    $ Sign Up Bonus

    T&Cs apply


    Prepaid Card with High Withdrawal Limit

    $ Sign Up Bonus

    T&Cs apply


    Best Crypto Card with High Cashback

    $ Sign Up Bonus

    T&Cs apply


    Premium Debit Card for Welcome Bonuses

    $ Sign Up Bonus

    T&Cs apply

    A crypto card allows traders and investors to spend their crypto assets without having to manually convert or sell them for fiat currencies. These cards work like traditional debit or credit cards, but rather than being connected to a bank account, they work with cryptocurrency wallets.

    This guide compiles and compares the best crypto credit cards for investors in the US, offering a detailed look at their distinguishing features and benefits.

    Which is the best Crypto Wallet in Canada? Our Opinion:

    After extensive research, we have identified the best crypto debit cards for US crypto traders and investors. 

    1. Crypto.com Card – Overall Best Crypto Debit Card for USA
    2. Coinbase Card – Easy-to-Use Bitcoin Card 
    3. Bitpay Card – Prepaid Card with High Withdrawal Limit
    4. BlockCard – Best Crypto Card with High Cashback 
    5. BlockFi – Premium Debit Card for Welcome Bonuses

    In this best crypto card review, we dedicated extensive research to determining the best debit cards for US investors. Our research was based on cost, ease of use, accessibility, supported crypto assets, key perks, features, and incorporated security protocols. 

    The Best Crypto Cards in the USA Reviewed

    Here is a review of the best crypto cards for US crypto beginners and advanced traders.

    Crypto.com Card - Overall Best Crypto Debit Card for USA


    Crypto.com’s Visa debit card is a brilliant innovation. US residents can seamlessly spend Bitcoin, Ethereum, and other digital assets with the Crypto.com Visa card. 

    This debit card supports 48+ cryptocurrencies, making it one of the best for day-to-day transactions. Investors can choose from five-card tiers with different utilities: 

    • Obsidian: 5% cashback rewards 
    • Frosted Rose Gold & Icy White: 3% cashback rewards 
    • Royal Indigo & Jade Green: 2% cashback rewards
    • Ruby Steel: 1% cashback rewards 
    • Midnight Blue: Zero cashback rewards

    This Visa debit card is connected to the Cronos (CRO) token (Crypto.com’s utility token). Investors must purchase and hold CRO tokens for a minimum of 180 days to enjoy the benefits of the Crypto.com Visa card. All Crypto.com card holders are eligible to receive cashback rewards paid as CRO

    While the exchange offers premium credit card rewards to users who do not hold or stake CRO, Crypto.com offers more rewards to CRO stakers.

    For instance, Obsidian card holders are eligible for 5% (on active stake) and 2% (no active stake) CRO rewards on card spending. Other benefits include discounts on subscription services from Netflix, Airbnb, Spotify, and Amazon Prime for the first six months. There are also fee-free ATM withdrawals capped at $1,000 per month. 

    The Obsidian card is Crypto.com’s top-tier premium card, with a high staking requirement of $400,000 worth of CRO tokens.

    In this review, we discovered that the top Visa card tier holders are eligible for special perks, which include discount on private jets and airport lounges partnered with Crypto.com

    Although Crypto.com features amazing rewards for cardholders, it is important to note that all cashback rewards are denominated in Cronos (CRO) tokens. And users must fulfil high staking requirements to enjoy significant benefits. The Midnight Blue Visa card incurs an issuance fee of $5.37, while the others don’t.

    All card tiers have a daily ATM withdrawal limit of $2,000 and $25,000 on all in-store and online crypto spending. 

    Nevertheless, the Crypto.com Visa card is accepted in all Visa outlets. And these Visa debit cards are trusted and used by more than 10 million traders and investors globally. 

    Crypto.com crypto debit cards are protected by multi-factor authentication, including biometrics, email, PIN set-up, and authenticator verification. One of the best insurance policies also protects these cards, offering 100% protection against third-party theft, destruction, or physical damage. 



    Coinbase Card - Easy-to-Use Bitcoin Card


    The Coinbase Card is a great alternative to Crypto.com cards. Coinbase Cards simplify cryptocurrency spending. The Coinbase Card is a great entry point for US residents launching into crypto and interested in using their crypto assets as a medium of exchange.

    Coinbase customers can access 8+ crypto assets and earn crypto rewards from everyday purchases with the crypto debit card. This is quite small compared to Crypto.com’s 40+ crypto support.

     The Coinbase debit card automatically converts all crypto assets to US dollars when making contactless payments online or via physical store checkout.

    We found that US residents are not required to pay an application fee or have to be credit-checked to receive the Coinbase card. However, they must have a valid Coinbase account with a successful identity and two-step verification.

    Customers can also use the debit card to withdraw fiat money via traditional automatic teller machines (ATMs). Similar to using the crypto card for day-to-day purchases, Coinbase seamlessly converts stored assets to US dollars for ATM withdrawals. However, investors can only withdraw up to $1,000 daily. 

    The most appealing feature of the Coinbase debit card is its simple earning-rewards structure. All cardholders are eligible to earn crypto rewards on all purchases. Although there isn’t a limit to how much Coinbase rewards users can earn, there is a cap on their monthly spend allotment.

    Cardholders can choose one of five cryptocurrencies and one stablecoin to earn a specific cashback percentage. These assets include the following: 

    • XLM: 4%
    • Amp: 2%
    • Bitcoin: 1.5%
    • Ethereum: 1%
    • DAI: 1%
    • USD Coin: 1%

    Investors can redeem their crypto rewards they earn from the Coinbase Card in diverse ways. Coinbase account cardholders can transfer their crypto rewards to a crypto wallet, exchange them for other crypto assets, or stake them to earn passive income through the Coinbase mobile app.

    The Coinbase prepaid debit card has no issuance, spending, or annual fees. However, online and store purchases, including ATM withdrawals, incur a 2.49% fee.

    For example, US residents who spend $200 worth of BTC via a Coinbase Card will incur a transaction fee of 2.49%, which is $4.98. 

    The Coinbase Card integrates industry-leading security measures, which include two-factor authentication (2FA), PIN change, and Verification instant card freeze.

    We summarised all the Coinbase Card key features, but we also made an in-depth Coinbase Card Review page that you can check out.



    Bitpay Card - Prepaid Card with High Withdrawal Limit

    bitpay card review usa

    Bitpay Mastercard is another notable option for US residents keen on enjoying crypto spending with minimal cost.

    The exchange has become one of the most renowned brands in the crypto space, having launched various crypto financial products and services.

    One of these products is the innovative Bitpay Mastercard that enables the instant conversion of crypto assets, so investors can convert their spendable value instantly and earn rewards. This Mastercard is available as a virtual crypto card or physical plastic card.

    Users can access over 13 crypto assets, including major altcoins, tokens, and stablecoins. Some supported assets include Bitcoin, Ethereum, Bitcoin Cash, Litecoin, Shiba Inu, Euro Coin, USDC, ApeCoin, and DAI.

    A major benefit of this crypto credit card is its reputation; Bitpay is one of the most trusted crypto companies in the industry. Since no other crypto card company has been operating as long as Bitpay, US residents can be assured of using a card that is backed by a reputable brand.

    Another major benefit of the Bitpay debit card is its high ATM limit. While other cards like Crypto.com and Coinbase offer users a withdrawal limit of $2,000 and $1,000, Bitpay cardholders can withdraw up to $6,000 from ATMs daily. 

    US crypto traders can obtain the Bitpay Mastercard physical card for $10; if they are replacing the card, they also pay $10. Funding the Bitpay crypto card is free; however, there is a $5 inactivity fee that triggers after 90 days and a $2.50 fee for ATM withdrawals. 

    Although the Bitpay crypto card is versatile, integrating core utilities, its $6,000 withdrawal limit can be a potential security issue in the event of stolen or lost cards. 

    Bitpay protects crypto assets via its utility-integrated top security protocols like multi-signature, EMV chip, and PIN lock. The exchange also enables users to freeze their cards, allowing them to secure all transactions from cyber hacks and control how they spend. 



    BlockCard - Best Crypto Card with High Cashback

    blockcard review us

    BlockCard offers a versatile cryptocurrency debit card that allows traders and investors to spend crypto assets easily. On the 18th of May 2021, the company converged to rebrand BlockCard to “Unbanked.”

    Nevertheless, users can access 12+ cryptocurrencies, including top market movers like Bitcoin, Ethereum, XRP, and Litecoin.

    Understanding that US residents have different trading needs, BlockCard offers multiple variations of its versatile crypto debit card. The company offers a virtual card for online purchases and a fully plastic or metallic physical card for online and physical spending at outlets accepting Visa cards.

    BlockCard appeals to investors and traders because of its cashback rewards ranging from 1% to 6.38%, which is higher than for most crypto debit cards.

    Another significant feature is the BlockCard partnership in the digital space; the unique debit card is compatible with Samsung Pay, Apple Pay, and Google Pay through smart technology. Still, all cards (virtual, plastic, and metal) have a $5,000 daily spending limit, and physical cards have a $500 daily withdrawal limit.

    The BlockCard crypto card is built around the TERN token (BlockCard proprietary token). All cashback rewards are paid in TERN tokens. However, cardholders must stake a high amount of TERN to receive the best rewards and cashback bonuses. 

    US residents must be willing to stake TERN crypto tokens to gain access to the best rewards. However, this creates a concern that all listed benefits and rewards will plunge when the value of TERN drops. 

    Unlike Coinbase Card, for example, BlockCard is not free. Blockcard charges a card issuance fee of $10 for virtual and plastic cards. These cards have fee-free deposits, withdrawals, and exchange fees. Also, the minimum monthly spend amount is $750. Users who spend less incur a $5 deduction. 

    The BlockCard development team designed the crypto debit card with user safety in mind. These cards integrate 128-bit encryption technology, PIN change, two-factor authentication, and many more to secure transactions.

    We summarised all the BlockCard key features, but we also made an in-depth BlockCard Review page that you can check out.



    BlockFi - Premium Credit Card for Welcome Bonuses


    BlockFi’s crypto credit card was one of the first and most reputable cards in the crypto space. This card integrates unlimited crypto earning opportunities and great bonuses for new users, appealing to crypto spenders.

    The BlockFi credit card offers users 1.5% cash back rewards in crypto. However, US residents who sign up for BlockFi’s card will receive 3.5% cashback for crypto spending in the first three months. This bonus lasts 90 days and has a maximum reward of up to $100 worth of Bitcoin.

    The extra 2% cashback reward is a generous welcome bonus that distinguishes this card from its competitors. After the three-month welcome bonus period, the regular 1.5% cashback will commence. 

    Like Crypto.com, Coinbase, BitPay, and BlockCard crypto debit cards, US residents can use BlockFi credit cards for online purchases, physical stores, and purchases at locations supporting Visa. 

    There are no annual or foreign transaction fees. However, there are other fees, such as a $25 fine for late payments and returned payment fees of up to $37. 

    By default, BlockFi cashbacks are paid in Bitcoin; however, investors can receive rewards in any asset BlockFi supports. This includes a wide array of 15+ supported crypto assets and stablecoins like Ethereum, Dogecoin, Chainlink, DAI, Litecoin, USDC, and Uniswap. Investors can change the default asset via customizable card settings. 

    Another major feature of this innovative crypto credit card is its annual crypto-back rate increase. Whenever users spend up to $50,000 annually, the percentage of their cashback increases to 2%. They also receive a trading bonus of 0.25% worth of Bitcoin on BlockFi trades. Although trading bonuses are limited to $500 monthly, it’s another way for US residents to earn rewards through Bitcoin. 

    Earning crypto rewards is the major appealing factor of BlockFi credit cards. But since it’s a credit card, users also enjoy other perks, ranging from discounts on hotels and car rentals to travel and emergency assistance services. 

    The major disadvantage of this crypto credit card is its average 1.5% cashback, which is lower than the industry standard of 5%. 

    Nonetheless, BlockFi integrates extensive security features adopted by major competitors. These protocols include two-factor authentication, PIN change, and instant card freeze.



    Table with the Comparison of Cards Listed

    Card NameSupported Crypto AssetRewardsSecurity
    Crypto.com Visa Card48+Up to 5% cashback bonuses - Reimbursement on Spotify, Airbnb, Amazon Prime, and Netflix subscriptions.Multi-factor authentication: biometrics, email, PIN setup, and authenticator verification. PIN change, email authentication, multi-factor authentication, and best insurance policies
    Coinbase Visa Debit Card8+Up to 4% cashback bonusesTwo-factor authentication (2FA), PIN change, and Card Freezing.
    Bitpay Prepaid Debit Card13+UnspecifiedMulti-signature, EMV chip and PIN lock, and Card freezing
    BlockCard Card12+6.38% cashback128-bit encryption technology to secure transaction PIN change, and two-factor authentication
    BlockFi Credit Card15+Welcome bonus of 3.5% cashbacks - Annual spending cashback of 2% - A trading bonus of 0.25% worth of BitcoinTwo-factor authentication, PIN change, and instant card freeze.

    What Is a Crypto Card?

    Crypto cards are sophisticated payment methods that enable crypto-asset owners to spend their digital assets on products and services that charge in fiat currencies like the US Dollar. 

    Without crypto cards, early crypto traders had to convert their assets manually into fiat money via a crypto exchange. Once the conversion was complete, they would transfer the funds to their debit cards or bank accounts– waiting for the withdrawal to process before spending their funds.

    Crypto cards improve this customer experience. 

    Today, the best crypto credit cards allow investors to spend their crypto funds instantly online and offline. Crypto prepaid card holders can use their cards to shop at the same places that accept traditional debit and credit cards. These cards have gained mainstream acceptance following the growing push for crypto adoption and partnerships with VISA and Mastercard.

    Many crypto exchanges have partnered with payment companies like Visa, MasterCard, and Swipe to further simplify crypto spending and process transactions via a dedicated cryptocurrency card. 

    How Does It Work?

    A crypto card is designed to work like a regular payment card from traditional financial institutions. 

    These cards automatically convert crypto assets from the users’ wallets into the local fiat currency to complete a transaction. To increase adoption, some crypto cards pay users rewards as incentives for using the payment method. The rewards are mostly denominated in cryptocurrencies.

    Crypto cards are also designed to work at ATMs. Users can easily withdraw funds with their crypto card, making it a practical payment method.

    Types of Crypto Cards

    Crypto cards come in the form of credit and debit cards. 

    Crypto debit cards are similar to traditional prepaid cards but are not linked to regular bank accounts. Users can fund these cards using their cryptocurrencies. In some rare occasions, they can also top-up the funds on the prepaid card using traditional payment methods like ACH transfers and bank wires. Investors can use this type of card as long as funds are readily available—traders can only spend what they have in their crypto accounts.

    In contrast, crypto credit cards enable users to spend funds and defer payments over a certain period. They work like traditional credit cards; the upfront costs are charged as loans. However, users must pay off the balance monthly to avert late fees’ interest. Crypto credit cards also offer cashback rewards to their users.

    How to Use Your Crypto Card

    Crypto credit cards are relatively easy to use and similar to traditional bank-issued debit or credit cards. Investors can spend their crypto instantly by purchasing goods or services online, in-store, and by withdrawing fiat currencies from ATMs. 

    Many providers of crypto debit cards attach some form of crypto rewards to each transaction they authorize. These rewards can be in the form of crypto tokens or discounts in subscriptions like Netflix or Amazon Prime.

    How to Choose the Right Crypto Card

    The market is filled with tens of crypto credit cards. To choose the right card, consider these key factors: 

    • Supported Country: Traders should consider the countries supported by a crypto card brand. For instance, US residents can use crypto cards produced by Coinbase, Crypto.com, and Bitpay because they support the US market. 
    • Supported Crypto Assets: Before selecting a card, investors should ensure it supports their favorite crypto assets.
    • Fees: Crypto transactions often incur fees. Investors should conduct thorough research on the fees applicable to their preferred crypto card. These fees include issuance, ATM withdrawal, conversion, and any other applicable fees.   
    • Rewards: Users should consider crypto cards that offer generous perks, incentives, and rewards for their spending. 
    • Security: The best crypto card must integrate full security measures to protect users’ funds and data against any form of a data breach, theft, or loss.

    How to Get a Crypto Credit Card

    There are no hard and fast rules when it comes to obtaining a crypto credit card. Different platforms have different criteria. 

    One feature that is common to most of the platforms that issue crypto cards is a registration and KYC process. 

    To obtain a card, US traders and investors must create an account with an exchange platform or digital wallet offering these crypto credit cards. Once registration and selection are complete, the final step is to wait for delivery.

    Final Thoughts

    Crypto cards are a great payment solution for purchasing goods and services using cryptocurrencies. They are one of the best use cases for utilizing digital assets as a medium of exchange. In addition, crypto card investors can earn crypto-specific rewards and bonuses for spending their crypto assets. This comparison guide listed and compared the best crypto cards available to US residents. 

    Crypto.com’s versatile Visa card is an excellent choice for traders and investors seeking the best out of crypto cards. The debit card provides users up to 5% cashback and discounts on streaming platform subscriptions like Spotify and Netflix. Over five different card tiers are available to suit the needs of cryptocurrency traders.


    Most frequent questions and answers

    No, the Binance Visa card is not available in the United States. US residents can consider other suitable alternatives like Crypto.com, Coinbase, and Bitpay cards. 

    Traders can now buy crypto anonymously by registering on a cryptocurrency exchange that doesn’t require a know-your-customer (KYC) verification process. These exchanges include KuCoin, PrimeXBT, and PayBis. They enable investors to access the crypto market without submitting personal information.  

    Ally Bank is the best crypto-structured bank located in the United States. This bank allows traders to buy and sell crypto assets via Coinbase 24/7 and supports credit card purchases of Bitcoin and other digital assets. 

    Crypto.com card is arguably the world’s best crypto card due to its perks, utility, and rewards. There are five card tiers tailored to fit all types of investors. These cards also integrate full security features that enable investors to spend their cryptocurrencies safely. 

    Subscribe and Receive a Free Copy of Our E-book
    Bitcoin E-book on a tablet

    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.

    To view our privacy policy read here.

    You may also be interested in:
    Scroll to Top

    Subscribe & Get Your Free Bitcoin Trading E-Book!

    Simply insert your info, hit the button subscribe and you will receive an e-mail with a link to view and download the E-book. Remember to check your spam if you do not see our e-mail.