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Best Crypto Debit Cards of February 2024

With a crypto debit card, you don't have to change your crypto into real money before you can spend it. But, they’re not like your conventional debit cards that offer cash back rewards in the form of points or miles; these new generation cards offer rewards in Bitcoin, Ether, or several other cryptocurrencies.

The Best Crypto Debit Cards Reviewed

Our guide will dissect the best crypto debit cards and give you a step-by-step guide on entering the market so you can start using crypto debit cards from the comfort of your home.

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Also consider: Best Crypto Credit Cards


Nexo: World's first dual-mode crypto card

Binance: A trusted brand with rewards to match

Coinbase: Always a great choice for beginners

Wirex: An interesting savings option

Zeply: A convenient option for Europeans The original crypto debit card

Uphold: Great rewards, features and a pleasure to use

Juno: A good choice if you want to earn Juno Coin



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

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.



Nexo Dual Mode Card



World's first dual-mode crypto card

Nexo has introduced a groundbreaking "dual mode" feature for its crypto card, seamlessly blending debit and credit functionalities. This feature is now accessible to citizens and residents of the European Economic Area (EEA). To qualify, users must undergo identity verification using a valid EEA-issued identity document, and only personal Nexo accounts are eligible for card orders.

Dual Mode Functionality

Nexo's crypto card now offers users the ability to switch effortlessly between debit and credit modes through the Nexo app, allowing real-time customization of spending.

Simplified Conversions

The dual mode aims to tackle challenges faced by crypto holders, such as the need to convert digital assets to fiat before spending, limited crypto acceptance among merchants, and the complexity of navigating multiple platforms.

Additional Benefits

Users leveraging the Nexo card in debit mode can accumulate up to 6% interest on their crypto holdings used as collateral, while credit mode offers a 2% cashback in crypto for purchases made at Mastercard-accepting merchants.

Frequently asked questions

Pros & Cons

Dual mode allows seamless switching between debit and credit, offering real-time spending control.

Debit mode users can earn up to 6% interest on collateralized crypto holdings, adding value.

Restricted to EEA residents, limiting global accessibility.

The Best of Both Worlds

For those within the EEA looking to optimize crypto spending and earn benefits, explore the Nexo Card's dual mode features; however, individuals outside this region may need to await expanded availability.



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.



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

Zero exchange fees on FX

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.



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

Very secure with no history of being hacked

A trusted crypto brand

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.



Zeply Card


Great for Europeans

Global accessibility to EEA citizens

Zeply Crypto Card, developed by the reputable Virtual Asset Service Provider Zeply in Tallinn, Estonia, is designed to simplify cryptocurrency transactions across Europe with the backing of Visa. Offering a wide array of supported cryptocurrencies, including Bitcoin, Ethereum, USDT, USDC, Solana, Litecoin, Ripple, Dogecoin, and DAI, it ensures users have diverse options for managing their digital assets. With a transparent fee structure, robust security measures such as two-factor authentication (2FA) and strict KYC procedures, and regulatory compliance upheld by a VASP license from the Estonian Financial Intelligence Unit, Zeply instills confidence in users about the security and legitimacy of their transactions.

Additionally, Zeply Crypto Card offers global accessibility to EEA citizens, enabling seamless spending both locally and internationally, supported by a user-friendly app interface that facilitates effortless management of crypto assets and convenient top-up options via Visa, MasterCard, Trustly, wire transfers, Apple Pay, and Google Pay.

Frequently asked questions

Pros & Cons

Unlike some competitors, Zeply does not offer cashback rewards, potentially missing out on attracting users who value such incentives.

Users may encounter an issuance fee of up to 6 EUR when obtaining their Zeply Crypto Card.

Zeply is currently only available in the EEA, excluding users from the US.

Zeply prioritizes security with features like 2FA and strict KYC procedures, offering peace of mind.

Zeply has clear fees for transactions like ATM withdrawals, ensuring users know what to expect.

Zeply supports 10 cryptocurrencies, including BTC and ETH, giving users flexibility in managing their assets.

Visa-backed for trust and reliability

Enjoy seamless European transactions backed by Visa, featuring diverse assets and ironclad security. While lacking cashback incentives, its streamlined approach sets it apart. 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.



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.

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. When you're shopping at a store that accepts Visa cards, you can use the card to access your cryptocurrency.

As you make a payment, the card platform changes your cryptocurrency into the accepted currency. To use a crypto debit card, you need to keep some crypto or cash in your digital wallet.

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 it. Even though the cryptocurrency market is volatile, people with crypto credit cards only risk their rewards and not their savings. This is now a great choice for anyone who likes cryptocurrencies but doesn't want to take any risks.

What is a Crypto Debit Card?

A crypto debit card works similarly to a traditional debit card. However, unlike your regular card, which 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 you convert your crypto holdings into fiat currencies, using some crypto debit cards lets you save on foreign transaction fees. The only potential drawback involves geographical restrictions and potential taxation in some jurisdictions.

How to Choose the Best Crypto Debit Cards

Here are a few important things to think about when choosing the best crypto debit cards:

Rewards Offered

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

Some cards have the same reward rate for all purchases, while others have different rates for different types of purchases. Choose a card that offers higher rewards in areas where you tend to spend more.

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 investigate 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 into 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 in 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.

No matter how you think about the best crypto debit cards, be careful to pick one that fits your spending and investing habits. 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.

Compare Fees and Rewards

The way fees and rewards are set up is one of the most important things to think about when choosing a crypto exchange debit card. Each card will have different fees for transactions, such as ATM withdrawals and online shopping, so it’s important to compare these across cards to find the best deal. Similarly, you should look at the rewards each card offers to determine which one gives you the most value for your money.

Check Security Standards

When selecting a crypto exchange debit card, make sure to check the security standards of each provider. You should look for cards that are backed by major global banks and have 3D Secure technology in place. This will add an extra layer of protection against scammers and fraudsters online and make sure that your money is always safe. Also, you should check to see if customers have to prove who they are before they can get their money. This could add another layer of security.

Evaluate Customer Support Quality

Customer service is just as important as security when it comes to choosing a crypto exchange debit card. You should make sure that the platform you choose has reliable, friendly customer service agents who are ready to help you quickly with any problems that might come up. Additionally, most platforms have active chatroom support services where you can connect with other users and crypto experts in real-time; this can be invaluable if you ever need quick advice on topics like crypto trading taxes or wallet management.

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 with traditional debit cards, you can freeze or cancel the card once you suspect fraud.

What is the Best Method for Picking a Card?

Following comparisons, question various card providers to ensure security and trustworthiness. Most importantly, select a card that addresses your personal needs and is easy to use and fund.

Best Crypto Debit Cards