Discover the Top 10 Crypto Debit and Credit Cards of 2023

Crypto Wiki Technology


The Trust Project is a worldwide group of news organizations working to establish transparency standards.

Crypto debit and credit cards offer a great way to spend your crypto assets while enjoying the convenience of traditional payment cards. With the rise in cryptocurrency adoption around the world, more companies are introducing various types of crypto payment options, including specialized debit and credit cards.

In 2023, there will be plenty of exciting options for crypto users, including cards with competitive rewards programs and more user-friendly features. To help you find the right card for your needs, we’ve rounded up some of the best crypto debit and credit cards available in 2023.

Debit/Credit cardsProsCons
Crypto.com Visa CardNo annual fee
No credit pull required 
No ATM fees
Short lead times––instantly access and process funds
Generous cashback spending offers
A long list of exclusions of MCCs that do not earn CRO rewards
Extremely high staking requirements for most of their card tiers.
Low monthly ATM limits on lower-tier cards
Wirex Crypto Debit CardCashback and referral bonuses
Supports 150+ traditional and fiat currencies
No issuance or monthly fees
Must have a balance in Wirex WXT tokens for rewards
Swipe Crypto Debit CardA strong choice for heavy Binance traders (no withdrawal fees to Swipe Wallet).
Visa cards are supported pretty much worldwide.
4 different cards with a tier-based benefit model.
Spend crypto automatically, with no manual top-ups.
Up to 8% cashback in crypto.
No foreign transactions for certain tiers.
Rewards and benefits programs.
Google Pay, Apple Pay, and Samsung Pay
Available in the EU, UK, and USA.
No monthly fees, sign-up fees, or purchase fees!
Exchange is commission free!
Have to lockup SXP tokens to access the best rewards and cashback.
Foreign transaction fees are only free for Steel and Slate users.
A custodial wallet means you could lose access to your funds.
The project is still relatively new and changes things around A LOT (and vaguely!).
Hard to export history/usage for tax reporting purposes.
The mobile app is clunky.
Customer service agents seem to be outsourced so rarely know the answer to technical questions.
TenX Crypto Debit CardThe company behind the card was founded in 2015
Incubated by PayPal
Accompanying mobile app makes it easy to manage the TenX Visa card
A TenX virtual Visa card is available
It’s a Visa card, so it can be used in payment terminals all over the world
Only supports 4 crypto assets
No rewards program for the card
The issuing bank for the TenX Visa card faced solvency issues in 2020
Currently only available in 3 countries
Coinbase Visa$0 annual fee
Earn crypto back on every purchase
Used everywhere Visa is accepted
Debit card—no credit check required
No ATM fees
Monthly spending limits which put a cap on rewards earnings
No bonus categories for spending
Must have a Coinbase account to qualify
Binance Visa CardLow transaction and processing fees
You can use your crypto-based Visa card worldwide wherever Visa is accepted.
Binance is among the most popular and secure crypto platforms.
Taxation: For each country, you should check and make sure how crypto is taxed (if there is any and how much) because to spend your crypto, you sell it for fiat and then spend the fiat.
eToro Money CardThe platform offers an engaging communal experience
Cryptocurrency holdings may be transferred off the platform
Comprehensive educational resources
Not available in New York, Hawaii, Minnesota, and Nevada
Limited customer service
Gemini MastercardEarn 3% back on dining (on up to $6,000 in annual spending; then 1%), 2% back on groceries, and 1% back on all other purchases
Earn rewards in Bitcoin or any crypto on Gemini and receive rewards in real time for qualifying transactions
No exchange fees to acquire your crypto rewards
Manage and freeze your card from the app
No annual fee
No welcome bonus
No intro APR
Few benefits
Bitpay MastercardOne of the oldest Bitcoin companies in existence
Reputable brand
No monthly fee
Integrated into the Bitpay wallet app
No proprietary token
Available in the United States
No fees for loading bitcoin onto the card
The card isn’t free
$5 inactivity fee
Bitcoin support only
No cash back rewards or benefits
Currently only available in the United States
High ATM withdrawal limits
Nexo MastercardIt works like any other card from Mastercard and is accepted by more than 40 million merchants worldwide
Control the card from the Nexo app with features like single-tap card freezing and instant notifications on all transactions
2% cash back on all purchases
Virtual cards can be created for safer online shopping
There can be tax-related benefits to borrowing against your crypto holdings instead of selling your Bitcoin for cash
It’s not a Visa card
Can only be used by borrowers on the Nexo platform
Still in an early access phase
Best Crypto Debit and Credit Cards comparison table

1.Crypto.com Visa Card

Crypto.com Visa Card is the perfect way to get started with cryptocurrency debit cards. With Crypto.com Visa Card, users can earn up to 5% cashback in the form of CRO Rewards when purchasing goods and services from merchants who accept Visa. The more you stake, the higher level card you unlock, unlocking more benefits and perks along the way. The highest card level is Obsidian, offering up to 5% cashback on most purchases. Crypto.com Visa Card makes it easy for users to make payments with cryptocurrency anytime, anywhere. Plus, cardholders can easily convert their CRO rewards into other digital coins or even fiat currency through crypto.com’s platform.

Best Crypto Debit and Credit Cards
The Crypto.com Visa Card*​​ allows cardmembers to earn cash back in the form of CRO Rewards.

Crypto debit cards offer a convenient way to spend your cryptocurrency without going through the tedious process of converting it back to fiat money. Plus, crypto debit cards come with a host of other benefits such as easy access to funds, lower transaction fees, and higher cashback rewards compared to traditional debit cards. So if you’re looking for an easy and secure way to spend your cryptocurrency, a crypto debit card could be a perfect choice.

2. Wirex Crypto Debit Card

The Wirex crypto debit card is the perfect choice for anyone looking to spend their cryptocurrency easily and securely. The Wirex app allows you to easily convert your digital coins into fiat currency, which can then be used to make purchases or withdraw cash from ATMs. Plus, with its low transaction fees and generous rewards program, the Wirex crypto debit card is a great way to get the most out of your cryptocurrency.

Additionally, Wirex offers an incredibly convenient way to manage your crypto and fiat currencies in one place. With its intuitive interface and seamless integration with the DeFi market, it’s the perfect tool for experienced investors looking to manage their portfolio of digital assets.

Your Wirex card automatically converts to the local currency at point-of-sale, giving you seamless spending at exclusive OTC rates.

So if you’re looking for an easy and secure way to spend your cryptocurrency, consider the Wirex crypto debit card. With its low fees and generous rewards program, it’s the perfect choice for anyone wanting to get the most out of their digital coins. Plus, with its easy-to-use mobile app and worldwide acceptance, you can be sure that your crypto is always within reach. Whether you’re shopping online or at a store, the Wirex crypto debit card makes it easy to enjoy the convenience of cryptocurrency payments anytime, anywhere.

3. Swipe Crypto Debit Card

The Swipe crypto debit card is the perfect choice for anyone looking to spend their cryptocurrency easily and securely. Swipe offers a wide range of features, including low transaction fees, instant transfers, and rewards programs. Plus, with its mobile app and worldwide acceptance, you can be sure that your crypto is always within reach. Whether you’re shopping online or at a store, the Swipe crypto debit card makes it easy to enjoy the convenience of cryptocurrency payments anytime, anywhere.

Best Crypto Debit and Credit Cards
Swipe powers a robust platform that enable businesses to create card programs for users to spend cryptocurrencies globally.

Additionally, Swipe allows users to easily buy and sell digital coins with their debit cards. So if you’re looking for an easy and secure way to purchase cryptocurrency, the Swipe crypto debit card is a great choice. Plus, with its low fees and generous rewards program, it’s the perfect tool for anyone wanting to get the most out of their digital coins. With its low fees and generous rewards program, it’s the perfect choice for anyone wanting to get the most out of their digital coins.

4. TenX Crypto Debit Card

The TenX app allows users to instantly convert their digital coins into fiat currency, which can then be used to make purchases or withdraw cash from ATMs. Plus, with its low transaction fees and generous rewards program, the TenX crypto debit card is a great way to get the most out of your cryptocurrency.

Additionally, TenX provides users with convenient tools to manage their crypto and fiat currencies in one place. With its intuitive interface and seamless integration with the DeFi market, it’s the perfect tool for experienced investors looking to manage their portfolio of digital assets. So if you’re looking for an easy and secure way to spend your cryptocurrency, consider the TenX crypto debit card.

Best Crypto Debit and Credit Cards
TenX is a platform that allows its users to buy, sell, and spend crypto at the press of a button.

So if you’re looking for an easy and secure way to spend your cryptocurrency, consider the TenX crypto debit card. its easy-to-use mobile app and worldwide acceptance ensure that your crypto is always within reach. Whether you’re shopping online or at a store, the TenX crypto debit card makes it easy to enjoy the convenience of cryptocurrency payments anytime, anywhere.

5. Coinbase Visa

The Coinbase Visa debit card is one of the most popular crypto debit cards on the market. With its easy-to-use mobile app, it’s a great way to spend your cryptocurrency with ease. Additionally, Coinbase offers users an incredibly convenient way to manage their crypto and fiat currencies in one place. With its intuitive interface and seamless integration with the DeFi market, it’s the perfect tool for all investors looking to manage their portfolio of digital assets.

Best Crypto Debit and Credit Cards
Coinbase Card is accepted anywhere Visa® debit cards are accepted, at over 40M+ merchants worldwide.

Low transaction fees and a generous rewards program ensure the Coinbase Visa debit card is a great pick. So if you’re looking for an easy and secure way to spend your cryptocurrency, consider the Coinbase Visa debit card. It’s the perfect choice for anyone wanting to get the most out of their digital coins. Plus, with its easy-to-use mobile app and worldwide acceptance, you can be sure that your crypto is always within reach.

6. eToro Money Card

The eToro Money Card is the perfect choice for anyone looking to spend their cryptocurrency easily and securely with its mobile app and worldwide acceptance, you can be sure that your crypto is always within reach. Whether you’re shopping online or at a store, the eToro Money Card makes it easy to enjoy the convenience of cryptocurrency payments anytime, anywhere.

Best Crypto Debit and Credit Cards
The eToro Money card is tied directly to an eToro Money Cash Account.

Low transaction fees and rewards programs provide you with a great way to get the most out of your cryptocurrency. Additionally, eToro offers an incredibly convenient way to manage your crypto and fiat currencies in one place. Plus, with its easy-to-use mobile app and worldwide acceptance, you can be sure that your crypto is always within reach.  Get your eToro Money Card today and start spending your cryptocurrency with ease.

7. Binance Visa Card

The Binance Visa Card is one of the top crypto debit cards on the market. With its low fees, generous rewards program, and easy-to-use mobile app, it’s a great way to spend your cryptocurrency. Additionally, Binance offers users an incredibly convenient way to manage their crypto and fiat currencies in one place, offering an intuitive platform and seamless integration with the Defi market.

Register an account with Binance and apply for a Binance crypto card today!

The Binance Visa Card makes it easy to enjoy the convenience of cryptocurrency payments anytime, anywhere. So if you’re looking for an easy and secure way to spend your crypto, consider the Binance Visa Card. The Binance Visa card is a top-notch way to maximize your cryptocurrency holdings. Plus, it provides the ultimate convenience of managing both crypto and fiat currencies through one single platform. With its straightforward design, this advanced tool is perfect for seasoned investors looking to manage their digital assets portfolio without any hassle.

Whether you’re shopping online or at a store, the Binance Visa card makes it easy to enjoy the convenience of spending your cryptocurrency anytime, anywhere. Get your Binance Visa Card today and start capitalizing on all that cryptocurrency has to offer!

8. Gemini Mastercard

Gemini Mastercard is a perfect choice for anyone looking to leverage the convenience of their crypto in everyday transactions. With its easy-to-use mobile app and worldwide acceptance, you can be sure that your crypto is always within reach. Plus, with its low transaction fees and generous rewards program, the Gemini Mastercard makes it easy to get the most out of your cryptocurrency.

The new Gemini Credit Card offers up to 3% back in bitcoin (or other cryptos) or cash on every purchase. Apply today to see if you qualify!

Additionally, Gemini offers an incredibly convenient way to manage your crypto and fiat currencies in one place. With its intuitive interface, it’s the perfect tool for experienced investors looking to manage their portfolio of digital assets. So if you’re looking for an easy and secure way to spend your cryptocurrency, consider the Gemini Mastercard. Low fees and rewards programs ensure you’ll get the most out of your digital coins. Get your Gemini Mastercard today and start spending your cryptocurrency with ease.

9. Bitpay Mastercard

The Bitpay MasterCard is a great way to make payments and purchases with your cryptocurrency. With its easy-to-use mobile app and worldwide acceptance, you can be sure that your crypto is always within reach. Bitpay also offers an incredibly convenient way to manage your crypto and fiat currencies in one place, while the platform offers seamless integration with the Defi market.

BitPay makes it easy to buy gift cards for Mastercard with cryptocurrency.

If you’re searching for a protected and straightforward way to utilize your cryptocurrency, then the Bitpay MasterCard is just what you need. With very low fees and an exceptional rewards program that provides even more value, it’s the perfect choice for anyone looking to make the most of their digital coins. Additionally, its easy-to-use mobile app and global acceptance allow users to access their crypto from anywhere in the world! Get your Bitpay MasterCard now so that you can start spending with ease.

10. Nexo Mastercard

The Nexo MasterCard is the perfect choice for anyone looking to make the most of their crypto holdings. You can be sure that your digital coins are being used as efficiently as possible thanks to low transaction costs. Plus, with its easy-to-use mobile app and worldwide acceptance, you can access your crypto anywhere in the world!

The Nexo Card is mostly a normal Mastercard credit card, accepted almost anywhere, but with a twist.

Nexo also offers an incredibly convenient way to manage your crypto and fiat currencies in one place. So if you’re searching for a secure and straightforward way to use your cryptocurrency, the Nexo MasterCard is just what you need.

FAQs

What are crypto debit and credit cards?

Crypto debit and credit cards are cards that allow you to use your cryptocurrency holdings as a payment method. They work by converting the crypto assets into a fiat currency which can then be used by regular merchants. These cards make it easy for those who have invested in digital currencies like Bitcoin, Ethereum, Ripple, etc. to spend their cryptocurrency anywhere they go, just like a regular debit or credit card.

How do these cards work?

The cards are similar to traditional debit and credit cards. The user can then use the balance on the card like any other debit/credit card when making purchases. Most prepaid cards also have options for users to set up a direct deposit and online bill pay. Additionally, some prepaid cards may allow for ATM withdrawals or international transactions. It is important to read the terms and conditions of a particular card before use, as fees and other information may vary from card to card. 

What are the benefits of using a crypto debit or credit card?

Crypto debit and credit cards offer several advantages to users. First, they provide a secure way to store and transact with cryptocurrencies without the need for an exchange or other third-party provider. Instead, funds are stored securely on the card, allowing quick access when needed. Crypto debit and credit cards also enable users to spend their cryptocurrency anywhere that accepts debit or credit cards, rather than having to find a specific merchant that accepts cryptocurrency.

Are there any fees associated with using a crypto debit or credit card?

Yes, most crypto debit and credit cards charge a fee for their services. The fees vary depending on the card provider, but they generally include transaction fees, annual membership fees, and foreign exchange conversion fees. Some cards may even have ATM withdrawal fees or additional charges for using certain merchants. Before signing up for a crypto debit or credit card, make sure to read the terms and conditions to understand any associated fees.

How do I get a crypto debit or credit card?

There are many crypto debit and credit cards available. Most of these cards are issued by companies that provide digital payment services, such as Crypto.com or Wirex. You can usually find a variety of crypto debit and credit cards on each provider’s website. 

Conclusion

These are just a few of the many crypto debit cards available on the market. With so many to choose from, it’s important to do your research before selecting a card that best suits your needs. No matter which card you choose, you can be sure that these cards will make using and managing your digital coins easier than ever. When it comes to spending your cryptocurrency, there are plenty of options available. From the Gemini MasterCard and Bitpay MasterCard to the Nexo MasterCard, you can find a card that suits your needs and lifestyle. So get your crypto debit card today and start spending with ease.

Related articles:

Disclaimer

Any data, text, or other content on this page is provided as general market information and not as investment advice. Past performance is not necessarily an indicator of future results.

Moses Kimathi

Moses is an experienced freelance writer and analyst with a keen interest in how technology is disrupting the financial sector. He has written extensively on the subject of cryptocurrencies from an investment perspective, as well as from a technical standpoint. He has also been involved in trading cryptocurrencies for over two years.

Follow Author

More Articles
đź—ž Metaverse Newsletter
đź‘ľ Follow us
  YouTube Icon     YouTube Icon     YouTube Icon     YouTube Icon