Tried and tested

6 Best Crypto Debit Cards of November 2022

With crypto debit cards, you can earn cashback, rewards and more in Bitcoin, other crypto or fiat currency. We compare the best options, so you don’t have to.

1 min read

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Also consider: Best Crypto Credit Cards


Uphold Debit Card


Overall best crypto debit card

The Uphold crypto debit card can act as a store of value for anything from fiat currencies, cryptocurrencies, and even precious metals on the firm’s exchange. Apart from making purchases, you can also use it to withdraw cash, but you’ll pay some ATM withdrawal fees.

You can expect 4% cash back when you use the Uphold card to spend your cryptocurrency balance to pay for goods and services. Users can also withdraw local money in over 180 countries where the card deducts from the value of your digital asset balance without converting it into the dollar.

Best of all, there's not FX fees.


Works with Apple Pay and Google Pay


0% foreign transaction fees, no annual fees and great FX rates


They're FCA regulated

Frequently asked questions

Pros & Cons

Available as both a virtual and plastic card

Provides up to 4% rewards in XRP on purchases made using the Uphold Card

Has a 65-day cooldown period for ACH bank transfers for US-based clients

The Best Crypto Debit Card

Uphold offers a great combination of competitive cashback rewards, low fees, ease-of-use, regulation and security that make the best crypto debit card in our opinion.

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Binance Card


The best crypto debit card for cashback

The Binance Visa crypto debit card has been around since 2020, and like all other debit cards, it uses the crypto balance in your Binance account. The card has a unique transaction-push notification feature that sends a notification on your mobile app every time you make a transaction.

The card can be used anywhere you see a Visa card sign. However, you need to have an active Binance account before applying for the card. Once you receive your card and activate it, you must fund the card by transferring your crypto holdings from your spot wallet, and you’re ready to go.

Cashback rewards

The Binance visa debit card is famous for its cash back rewards, which can go as high as 8% in BNB for every eligible purchase you make. However, the amount you receive is determined by the number of Binance coins you stake. The card offers seven levels of rewards based on your average BNB balance.

Multiple Currency Support

The card supports numerous crypto tokens, including BNB (Binance Coin), BUSD (Binance USD), BTC (Bitcoin), ETH (Ethereum), and SXP (Swipe). Additionally, it supports the EUR, USD, and several other fiat currencies.

Frequently asked questions

Pros & Cons

Offers up to 8% cashback

There are no issuance fees, monthly fees, or minimum deposit fees

Binance Card is only available for residents of Europe

Great cashback rewards

Binance has the most competitive cashback rewards with up to 8% BNB cashback. This is great if you want to maximise your rewards, and you're happy to take earn in Binance's BNB token. Binance is also a well-known brand that people are familiar and comfortable with. Furthermore, there are free ATM withdrawals, no foreign exchange fees and annual fees. The only downside is that it's only available to European residents for now.

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Coinbase Card


Great for Bitcoin rewards

The best for Bitcoin rewards

Coinbase crypto debit card is a Visa card that works like a traditional debit card, enabling you to make purchases anywhere Visa is accepted. The card is linked to your Coinbase crypto account and automatically converts crypto assets to fiat currency.

When you sign up for a Coinbase crypto debit card, you choose between 1% rewards in Bitcoin and 4% in Stellar Lumens. However, there’s the freedom to switch between the two rewards systems whenever one becomes more appealing than the other.

Annual fees

They don’t charge an annual fee.

Generous Rewards

The Coinbase card offers rewards every time you shop with up to 4% back in XLM and 1% back in Bitcoin.

High withdrawal fees

Any amount over £200 / 200 € or currency equivalent per month: 2.00% of value of ATM withdrawal (per transaction)

Frequently asked questions

Pros & Cons

Intuitive mobile app

Very secure with no history of being hacked

A trusted crypto brand

A limited selection of coins

When Bitcoin matters

Coinbase is a recognisable brand in the space that offers rewards in Bitcoin. While it may be low at only 1%, some would argue it's better than earning 8% rewards in an altcoin that could go to zero.

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Wirex Card

Saving, spending, rewarding

A card with a savings account

U.K.-based Wirex offers a crypto debit card that enables you to easily hold, save, invest, and spend your crypto holdings. In addition to the physical plastic card, there is a virtual Wirex card that you can use to make payments when you shop online.

Wirex offers a multi-currency account that supports cryptocurrencies like Bitcoin and traditional currencies like USD, GBP, and EUR. Your Wirex Bitcoin wallet and crypto debit card support fiat and digital assets. You can apply for the Wirex card from most countries and use it to spend fiat and cryptocurrencies anytime, anywhere.

Crypto Savings Account

You can earn up to 16% on your savings on selected crypto and fiat currencies through a new product called Wirex X-Accounts.


Rewards pay out up to 2% in WXT every time you use your Wirex card in-store or online.

Native token

Rewards are in WXT, which are very volatile and could become completely worthless

Frequently asked questions

Pros & Cons

Fast verification process

Zero exchange fees on FX

Mobile App on iOS and Android

Up to €400 monthly ATM withdrawals and no monthly maintenance charge.

You're rewarded in WXT tokens instead of Bitcoin

They have a terrible Trustpilot score with 31% of people giving it a 1 star

A unique savings account

With such a terrible Trustpilot score, it's difficult for us to put this at the top of our list. The only reason it really makes it here is because they have a high-yield savings account that could be interesting for some users.

Open Account Card


Large range of supported cryptocurrencies

There are five different tiers of prepaid debit crypto cards. Each tier comes with various features. These are:

  • Midnight Blue: For users looking for an easy way to spend their crypto holdings. You earn 1% in rewards and can withdraw up to $200 for free from ATMs.

  • Ruby Steel: Users must stake $500 worth of CRO. You receive 2% cash back on purchases in CRO and can withdraw up to $400 for free from ATMs.

  • Royal Indigo & Jade Green: Users receive free airport lounge access, free Netflix, and 3% cash back from all purchases. You have up to $800 in fee-free ATM withdrawals.

  • Frosted Rose Gold & Icy White: For users able to lock up $50 for six months. They receive 10% off all Expedia purchases and 5% on all purchases, among other benefits.

  • Obsidian: For users able to lock up $500,000. They receive 8% cash back on all purchases, several undisclosed bonus rewards, and other merchant perks.

CRO staking

In order to get the most out of the card, you need to stake CRO. This can be risky as CRO is much more volatile than established coins like Bitcoin.


1–5% CRO, free Spotify & Netflix

Frequently asked questions

Pros & Cons

Numerous card tiers fit any lifestyle

Unreasonable CRO staking and maintaining requirements

Prolonged CRO staking periods

You lose benefits if you remove your CRO earlier than six months

Tiered-based rewards

If you're looking to maximise your rewards and you're a big believer in and their CRO token long term, then this is a great option for you. It's worth noting that while their tier-based rewards programs look very enticing, the staking requirements are significantly more demanding than other platforms. If you're unsure about the company's prospects long-term, look elsewhere.

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Juno Card


The best crypto debit card for flexibility

Whether you want to save, or spend, you can earn up to 5% in Juno Coin rewards. What makes this card really stand out is that it has up to $250,000 FDIC insurance on all balances in USD. You can also automatically invest part of every paycheck in crypto and dollar cost average.


Cashback rewards are only at 35+ participating brands. These do, however, include Amazon, Airbnb, Uber, and Netflix. These rewards are capped at $500 per year.

Native token

Cashback rewards are in their native Juno Coin. This is risky as it can be very volatile and could become worthless.

Basic user

If you have a basic account, rewards are capped at $25 per year.


It works with Apple Pay and Google Pay


There are no overdraft, withdrawal, or deposit fees

Frequently asked questions

Up to $250,000 FDIC insurance on USD cash balances

Real time chat support

No minimum balance, No monthly Fees, No overdraft fees

Earn 5% back on crypto spends

80K+ fee-free ATMs at locations like Walgreens, 7-Eleven, CVS, and more

No insurance on non-USD deposits

All rewards and benefits are in their native token

FDIC insured

What makes Juno stand out is that it is FDIC insured. It's worth noting, however, that this is only for USD balances. Still, this is very unique amongst the increasingly competitive space. If rewards, or other features are more important, then Uphold, Coinbase, and Binance are better options.

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The Difference between Crypto Debit Cards and Crypto Credit Cards Explained

Also known as a Bitcoin debit card, a crypto debit card is a physical card that allows you to access supported crypto from your digital wallet. The card enables you to access your crypto holdings whenever you’re shopping at a store that accepts payment using Visa cards.

The card platform converts your crypto into the accepted currency as you make your payment. You have to maintain a crypto assets or fiat balance in your digital wallet to use a crypto debit card.

What is a Crypto Credit Card?

Users of crypto credit cards use the money borrowed from the card issuer. The card company provides funds to increase your balance every time you buy. And like your traditional card, a crypto credit card allows you to earn rewards, though they are in the form of the cryptocurrency you use.

One key benefit of using crypto credit cards is that it’s a risk-free way for users to earn more cryptocurrency as they spend their crypto. Despite the volatility affecting the cryptocurrency market, crypto credit cardholders only risk their rewards, not their savings. This now is an excellent option for anyone who admires cryptocurrencies but is still a risk-averse skeptic.

What is a Crypto Debit Card?

A Crypto debit card works similar to a traditional debit card. However, unlike your regular card that draws from your bank account balance, a crypto debit card draws funds from your cryptocurrency account. And just like your usual card, you can use it to make purchases or ATM withdrawals.

In addition to helping convert your crypto holdings into fiat currencies, using some crypto debit cards lets you save on foreign transaction fees. The only would-be drawback involves geographical restrictions and potential taxation in some jurisdictions.

How to Choose the Best Crypto Debit Cards

The following are a few significant factors you need to give consideration when you’re choosing the best debit crypto cards:

Rewards Offered

The next consideration when comparing the best crypto credit cards is the crypto rewards they offer. As a rule of thumb, the higher the reward rate, the more cryptocurrency you will earn. You also want to be sure that the crypto coin they use as a reward isn’t too risky or volatile.

While some cards offer flat reward rates for all purchases, others offer varying rewards for different categories. Choose a card that offers higher rewards in areas with your spending habits.

Payable Fees

The best crypto debit cards should be affordable. However, be careful about specific fees. Some cards are free to use, but they charge various other fees here and there. The different hidden fees you need to interrogate include foreign transaction fees or crypto sales fees that show up after you’ve earned some crypto rewards.

Ease of Use

The best thing about having a Bitcoin debit card in your wallet is being able to convert your crypto tokens to fiat currency. You don’t want crypto debit cards with complicated processes that make you feel like you’re studying rocket science. Locate an easy-to-use card that is in line with your personal cryptocurrency needs.


What’s the need for a crypto debit card that you can’t use? Go for a crypto debit card you can use in your current location or places you love to visit. As long as a card is issued by Visa or Mastercard, it will definitely be accepted in most places. It’s the only way you can access your crypto assets 24/7.

The Best Debit Crypto Cards

Whether you’re interested in a crypto debit card that offers crypto rewards, one with the smallest fees, or one that supports many cryptocurrencies, there are different crypto debit cards to choose from. There are also different types of cards that don’t charge transaction fees or others that run intuitive mobile apps.

Whatever your definition of the best crypto debit cards, be careful to choose from the available options based on your spending and investment lifestyle. That’s because there will always be a crypto debit card based on your fees, perks, and other preferred features.

And here, we address a few nagging concerns.

Where can I use a Crypto Debit Card?

Since most Bitcoin debit cards are Visa or Mastercard branded, you can use them anywhere those brands are accepted. You can also use your crypto debit card in online stores and make free international ATM withdrawals.

Are Crypto Debit Cards Safe?

Crypto debit cards are safe as they are designed with security features. They include security codes, two-factor authentication (2FA), and biometric scanning like fingerprints. And like the traditional debit cards, you can freeze or cancel the card once you suspect fraud.

What is the Best Method for Picking a Card?

After making comparisons, interrogate different card providers to ensure security and trustworthiness. Most importantly, select a card that addresses your personal needs and is easy to use and fund.