The Ultimate List of the Top 6 Best Crypto Debit Cards (2024)

Are you a cryptocurrency enthusiast looking for a way to conveniently spend your digital assets in the real world? If so, you may be interested in getting yourself the best crypto debit card available in the market.

Some of the greatest crypto platforms, such asCoinbase,Bybit, and Binance, provide crypto debit cards (well, Binance used to). Based on the feedback of current crypto debit card holders, I’ve selected the ones that seem to offer the best ones. So, I’ll cover each platform, and, of course, tell you why they are worth the shot if you are looking for a crypto debit card.

Each debit card on this list has its own unique features and benefits, so it's important to pay attention and determine which suits you best. Thus, I'll be diving deeper into them in the following sections, so stay tuned!

The best crypto debit cards that will be discussed are:

• Bybit Card
• Coinbase Card
• KuCoin Card (KuCard)
• CEX.IO Card
• Crypto.com Card
• Wirex Card

Now, let's get to it!

Cashback: Up to 10%.

Fees: 0% annual fee, 1% foreign exchange fee, 0.9% crypto conversion fee, 2% ATM withdrawal fee.

Who Can Get the Card: Residents fromAustralia and EEA (excluding Croatia, Iceland, Ireland, Liechtenstein and Romania).

Bybit is a popular cryptocurrency derivatives trading platform that has launched its own crypto debit card. Bybit released the virtual crypto debit card in February 2023, while in March of the same year, it expanded the possibilities and launched the physical version of the Bybit Card!

Even though it is still quite new, the Bybit Cardcan already be considered one of the best crypto debit cards out there. And here is why:

Bybit's debit card allows users to spend their crypto assets anywhere that accepts Mastercard, making it an incredibly versatile option. If you're based in Europe, there is great news, as this is a crypto debit card people from eligible countries of the European Economic Area (EEA) can apply for. In addition to that, Australians can access it, too. However, this is not a crypto debit card UK residents can get.

Now, the digital assets accepted by Bybit’s crypto debit card include EUR, GBP, and USD for fiat currencies, and BTC, ETH, XRP, USDT, and USDC for cryptocurrencies. With this debit card, one can easily convert their crypto into fiat currency using spot, derivatives, and margin trading, and perhaps even make a profit while doing so!

Pretty nice, right?!

Well, it doesn’t end there, as with the Bybit card's multi-asset spending capability, you can manage your crypto balance and use it to pay for anything you desire.

The greatest part, though, is that the card features zero annual fees, making it a cost-effective option for those looking to use their digital assets in the real world!

There are also no cancellation fees, and the platform doesn’t charge for inactivity either. However, there is the foreign exchange fee (1%, besides the Mastercard’s foreign exchange rate), the crypto conversion fee (0.9%, on top of spot fees), and the ATM withdrawal fee after exceeding the free withdrawal limit (2%). Still, it’s a pretty good deal!

Moreover, security-wise, Bybit doesn’t disappoint!

The platform employs advanced security measures, including multi-factor authentication and real-time monitoring, to protect user accounts and funds. Additionally, Bybit uses advanced data encryption techniques to ensure that user data and personal information are kept safe and secure.

Of course, the best crypto debit card must come with great rewards! And Bybit makes sure to provide that through its Loyalty Reward program. It works like this: whenever you spend crypto, you earn points. These points can then be redeemed for cool stuff in Bybit's Rewards Market. 500 reward points convert to 1 EUR/GBP/USD.

However, do note that VIP traders get various benefits on Bybit, and those benefits include some perks for Bybit Card owners (higher reward point multipliers, a higher monthly maximum point limit, a higher cashback rate, and a higher monthly maximum cashback).

Speaking of cashback, you can earn up to 10% cashback using the Bybit Card.

Having said all of this, you might be wondering, “But, how do I get a Bybit debit card?”. It is, in fact, quite simple!

Step 1: First of all, you need to ensure you fill up all of the requirements to apply for a Bybit card:

• Your Bybit account is linked to an email and a mobile number;
• You've set up Google Two-Factor Authentication;
• You've completed KYC by doing the proof of identity and proof of address protocols.

For the last requirement, you will need your National ID or Passport - don’t forget you need to be from Australia or any eligible country in the European Economic Area (EEA). So, Bybit’s card is not ideal for those looking for an anonymous crypto debit card.

Step 2: Once you are sure everything is intact, you can apply for the card through the website and the Card Application on your phone. Check out Bybit’s website for a step-by-step tutorial!

Once verified, users can easily deposit their digital assets and start using the card for everyday transactions!

You can start using your virtual crypto debit card right after the verification process! Now, for the physical debit card, you will have to pay an issuance fee of 5 EUR/GBP/USD/USDT. Once you pay and do everything else required to apply for it, you will receive your debit card within 30 days!

That’s basically it! Overall, Bybit's debit card is a solid option for those looking for a secure, versatile, and rewarding crypto debit card. With zero transaction fees, a user-friendly interface, and a nice rewards program, it's no wonder why it's considered one of the best crypto debit cards on the market.

Cashback: Up to 4%.

Fees: No transaction fees, annual fees, or ATM withdrawal fees. However, a spread applies when buying, selling, or trading crypto.

Who Can Get the Card: Residents from the US, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, and the UK.

So, if you're looking for the best crypto debit card, you definitely want to check out Coinbase's offering.

With the Coinbase Card, you can spend your crypto assets just like you would with a regular debit card, and the best part is, you can use it anywhere Visa is accepted!

What’s more, you can easily convert your digital assets into fiat currency. Besides that, the Coinbase Card also allows you to manage your crypto funds in one place. That way, you can easily track your spending and crypto balance through the Coinbase app.

This surely helps you to have a clear overview of your expenses and stay on top of your finances!

Another great thing about the Coinbase Card is that it offers cashback rewards on every purchase. For example, if you use the card to buy groceries or pay bills, you can earn up to 4% cashback in the form of cryptocurrency.

However, the rewards and earning rates of the Coinbase debit card change every month - in other words, they are on a rotating schedule. Also, the rate depends on the type of crypto rewards you choose as your earnings.

It’s important to know that the 4% rate is historically the highest the platform has ever provided, which was the XLM (Stellar Lumens) reward. But, you can earn rewards in BTC, ETH, AMP, DAI, and more.

Again, the rates will not always be the same. Although, the benefits of spending to earn still remain!

By the way, Coinbase has a tutorial on how to buy crypto with debit card or credit card in Europe and the UK. If you want to know more about this topic, check it out on Coinbase’s website!

Now, in terms of security, the Coinbase debit card has you covered.

The card offers two-factor authentication and biometric verification to ensure that only you can access your funds. It also allows such security features as card freezing, pin change, and more. On top of that, it's backed by the same level of security as Coinbase's exchange, which means that your funds are kept in secure cold storage - by the way, Coinbase is considered one of the most secure exchange platforms on the market!

Coinbase requires KYC as part of its safety protocols, as well. In other words, users need to provide identifying documents. For example, users from the US must provide their Social Security Numbers. Thus, the Coinbase card is not meant to be an anonymous crypto debit card.

It's important to note, though, that the Coinbase debit card is only available in certain countries. So, before applying for the card, make sure that your country is eligible. In short, it is a crypto debit card UK, EU and US residents can apply for.

Overall, the Coinbase debit card is a great option for anyone looking to spend their cryptocurrency in a hassle-free and secure way. With its cashback rewards, easy-to-use interface, and top-notch security features, it's definitely one of the best crypto debit cards out there.

Cashback: Up to 4.7%.

Fees: A€9.99 issuance fee, a 2% foreign transaction fee (non-euro), a €1.50 euro withdrawal fee, a 2% non-euro withdrawal fee, and a €10 annual maintenance fee.

Who Can Get the Card: Residents from Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Iceland and Norway.

Did you know KuCoin, one of the biggest exchange platforms right now, has launched its debit card, also known as KuCard? If you didn’t, now is the perfect time to get acquainted with it! KuCard is becoming one of the best crypto debit cards on the market!

The KuCoin debit card is a Visa card that allows users to spend their crypto assets anywhere that accepts Visa, making it a convenient way to convert your crypto into fiat and make purchases both online and offline.

Besides, with the KuCoin app, you can easily manage your funds and monitor your spending!

Fee-wise, there are no cancellations and euro transaction fees! However, other fees do apply, including a €9.99 issuance fee, a 2% foreign transaction fee for transactions made not in Euro, €1.50 euro withdrawal fee, a 2% withdrawal non-euro fee, and a €10 annual maintenance fee.

KuCoin also provides custom spending limits, giving its users a lot more freedom! Moreover, there is great news for those who use Apple Pay and Google Pay, as KuCard supports both. However, when it comes to currencies, it only supports USDT and EUR, but more will be added in the future.

Now, talking about getting the KuCard, you have to take these steps:

Step 1: You need to make sure you are a resident of an eligible country/region. As of writing, it's a card that EEA residents can use, but it's not a crypto debit card UK residents can access. Also, not all EEA countries are included. So, check out the most up-to-date list of eligible countries on the KuCoin website.

Step 2: You need to create a KuCoin account and go through all of the KYC process, which is composed of the identity verification and proof of address protocols - as you probably noticed, these are the most standard protocols when applying for a crypto debit card.

By the way, before the card was launched, KuCoin held a contest with the promise to provide 1,000 USDT to whoever registered their KuCard. Initially, it was a free card;however, now, you have to pay a €9.99 issuance fee.

One of the standout features of the KuCoin debit card is the rewards program: by purchasing with KuCard, you receive cashback invarious cryptocurrencies, including BTC, ETH, USDT, KCS, and more. You can earn up to 4.7% cashback. Besides cashback, though, you can also earn vouchers, gift cards, access to airport lounges, merchant discounts, and more.

If you're hesitant towards the KuCard because it's a relatively new player in the game, don't worry. The KuCard is already touted as one of the best crypto debit cards due to KuCoin's established reputation for quality service.

With KuCoin's track record, you can trust that the KuCard will provide a reliable and user-friendly experience!

That’s because KuCoin is a great platform due to its emphasis on security. The platform implements various security measures to ensure that users' funds are kept safe, including two-factor authentication, anti-phishing codes, and multi-level security systems.

Additionally, KuCoin offers an interface that is easy to navigate, making it ideal for both beginners and experienced traders. Besides that, it has excellent customer support services, offering 24/7 support through various channels such as email, live chat, and social media.

So, overall, the KuCoin debit card is a great option for anyone looking for a reliable and convenient way to spend their crypto assets. With its rewards program, convenient usage, and strong security features, it's definitely worth considering!

Cashback: -

Fees: No annual, spending, foreign exchange, or top-up fees.

Who Can Get the Card: Residents from EEA.

CEX.IO is a reputable cryptocurrency exchange that has been around since 2013. In May 2024, the company launched the CEX.IO Card, a crypto debit card. CEX.IO is surely aiming to provide users with one the best crypto debit cards on the market.

Given its long history, it’s safe to say that CEX.IO knows what it's doing when it comes to handling cryptocurrencies. So, that much can be expected from its new debit card, right?

Here is what there is to know so far: this debit card is powered by Mastercard, which means that it’s widely accepted all over the world. You can use this card both in physical stores and online, and it is also possible to withdraw cash from ATMs using it. In addition to that, you can use it with Google and Apple Pay as well.

What’s more, it allows you to make instant purchases with your crypto or Euro - with that, you can be sure to eliminate those long waiting hours or days to cash out your crypto. The best part is that you can use over 200 cryptocurrencies for that. Just note that there are limits – you can pay up to €3,000 daily, and €10,000 monthly (or the equivalent sum in crypto).

So, the CEX.IO debit card is an all-in-one solution that combines the advantages of a Mastercard debit card, a cryptocurrency exchange, and a digital wallet.

Now, of course, CEX.IO could not really be considered a top choice if it didn’t have great fees. But, you know what, it actually has no fees (no annual, spending, commission, foreign exchange, or top-up fees)!

What about a reward program? Well, initially, CEX.IO advertised that it was coming strong with up to 5% cashback. However, the card is launched but there doesn't seem to be any cashback as of writing (though it will probably be introduced in the future).

How to get the card? Follow these steps:

Step 1: Open the CEX.IO app. That, of course, requires you tohave a CEX.IO account. In order to create one, you need to provide identifying documents, such as National ID and Social Security Number.Thus, it goes without saying that this card is not ideal for those who want a completely anonymous crypto debit card - if you really seek true anonymity, usingDEXsmight be your only option.

Requirements-wise, you need to be from one of the eligible countries in order to apply for this debit card. Currently, it's only available for users from the European Economic Area (EEA) who passed KYC (provided address verification and phone number). However, CEX.IO is looking to expand the list of qualified regions as soon as possible. It might even be a crypto debit card USA residents will be able to apply for one day!

Step 2: Go to the CEX.IO app homepage and claim your CEX.IO Card.

Step 3: Read and accept the Terms of Use (but really, read it first).

Step 4: Pick up to four assets to use for payments (euro will be added by default).

Step 5: Set the currencies you prioritize for payments. Once you do all that, your virtual CEX.IO Card will be unlocked (completely for free).

To top up your card, you can use any funding methods available on CEX.IO. For fiat deposits, this includes credit/debit card deposits, bank transfers, Google/Apple Pay and so on. Of course, the supported methods will depend on the country you reside in.

That’s basically it for the information available so far! Do note that the virtual CEX.IO crypto debit card is already available, while the physical version was expected to be launched by early 2024, but there's no information about that as of writing.

Overall, the CEX.IO debit card is a solid choice for anyone looking for a reliable and secure way to spend their cryptocurrencies. With its Mastercard-powered card that allows you to spend crypto without converting it to fiat, it’s no wonder why it’s aiming to be one of the greatest options on the market.

Cashback: Up to 8%.

Fees: A 1% card top-up fee, a 2% ATM withdrawal fee (after surpassing the free withdrawal limit), a €50 account closing fee, a card replacement fee that ranges from €45.01 to €50, a €4.99 card issuing fee, a €5 inactivity fee, a 0.2% foreign transaction fee (within the EU and UK), and a 2.0% foreign transaction fee (outside of the EU and UK).

Who Can Get the Card: Residents from the US, the UK, Australia, Singapore, Canada, and Europe. Check the full list on Crypto.com.

If you're looking for the best crypto debit card, you should definitely consider Crypto.com prepaid cards (Visa). Though, before I talk about the specifics, I need to set something straight. Are prepaid cards and debit cards the same thing?

Put simply, yes: both work just like a regular debit card, allowing users to make purchases online or in-store, withdraw cash from ATMs, and even use contactless payment methods such as Google Pay or Apple Pay.

However, there are some key differences. While debit cards are linked to your bank account or cryptocurrency wallet, prepaid cards must be loaded with funds before use. To fund your prepaid card, you can use bank account transfers, credit or debit cards, or even cryptocurrency.

Now, talking about Crypto.com, a few options of prepaid cards are offered by the platform. You have from the simplest version, the Midnight Blue, to the best one, which is the Obsidian.

The Midnight Blue card doesn’t require locking up CRO - the platform’s native token -, but it doesn’t provide CRO rewards or benefits either.

On the other hand, the Obsidian card allows the highest cashback rate (5%+ 3% for Rewards+ program members), as well as requires the biggest amount of locked up CRO. It also provides the best benefits, which include bonus rewards, exclusive merchandise, access to famous streaming platforms like Spotify and Netflix, and so on.

There are three other cards in between these two, that have cashback rates from 1% to 3% (+ 3% for Rewards+ program members)- the rest of the benefits also vary. Moreover, each one of them has different fees and limits.

Speaking of fees, there is a 1% card top-up fee, a 2% ATM withdrawal fee (after surpassing the free withdrawal limit), a €50 account closing fee, a card replacement fee that ranges from€45.01 to €50, a€4.99 card issuing fee, a €5 inactivity fee, a 0.2% foreign transaction fee (within the EU and UK), and a 2.0% foreign transaction fee (outside of the EU and UK).

Those are some hefty fees compared to other crypto debit cards on the market! Luckily, though, it doesn't charge annual fees.

Now, getting back to the tier of the card, it depends on the amount of CRO tokens bought and deposited in the crypto wallet. To hold CRO, users must first complete KYC verifications, then purchase the tokens, and finally deposit them into their crypto wallet in the app - that is, if they don’t buy CRO directly on the app.

Therefore, once you figure out how to buy crypto with debit card or other traditional payment methods, you are ready to upgrade your crypto debit card!

By the way, the mobile app provided by the platform makes it easy to manage your card and track your spending.

Thus, with up to 5 different Visa card designs available, each with variable CRO staking rewards and maximum withdrawals, there's a card for everyone! That surely makes Crypto.com an accessible choice.

Anyway, that’s it for the options of debit cards available. Now, it's important to know which countries are eligible to apply for them. While it's a pretty rare occurance, Crypto.com’s card is a crypto debit card USA residents can use! Not only that, some European countries, Australia, and Singapore are among the eligible countries, too. Check their official website to find the full list.

So, while there are a lot (and quite high) fees, the Crypto.com prepaid cards are a top choice for those looking for variety, worldwide accessibility, and pretty good reward programs!

Cashback: Up to 8%.

Fees: No fees apart from ATM withdrawal fees after surpassing the fee-free limit.

Who Can Get the Card: Residents from Australia, Austria, Belgium, Bulgaria, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hong Kong, Hungary, Iceland, Ireland, Italy, Latvia, Luxembourg, Malta, Netherlands, New Zeland, Norway, Philippines, Poland, Portugal, Romania, Singapore, Slovakia, Slovenia, Spain, Sweden, Switzerland, Taiwan, the UK.

Have you heard of the Wirex Card? It's one of the best crypto debit cards out there! Here's why:

Wirex is a digital payment platform that offers a debit card that can be funded using both traditional currencies and cryptocurrencies. With this debit card, you can spend your crypto just like you would with a traditional debit card.

It's like having the best of both worlds!

One of the biggest advantages of the Wirex card is that it allows you to spend cash, stablecoins, and, of course, cryptocurrencies worldwide, making it super convenient. You can also withdraw cash from ATMs and make contactless payments.

By the way, Wirex offers both physical and virtual crypto debit cards. The card is free - both the issuance and the delivery. What’s more, there is no annual fee. Though, it's important to note that there may be ATM withdrawal fees based on the amount withdrawn.

Moreover, you can manage your account and track your spending through the mobile app, as well as through the website - the app is available in multiple languages, which is great for global users. Besides, regarding the mobile app, it enables instant in-app alerts. That is great for your card security!

Note that, in order to create a Wirex account and, therefore, have a Wirex card, you need to go through a few KYC processes, such as identity verification, which demands, among other things, a valid National ID or Passport.

Now, one last great feature of the Wirex card that is worth mentioning is the rewards program. By spending with your debit card, you can earn up to 8% cashback in WXT, the platform’s native token! Those rewards will be instantly deposited into your Wirex account.

Overall, the Wirex debit card is a great option for those looking to easily spend their crypto and manage their finances all in one place. With its global reach, user-friendly app, and rewards program, it's definitely worth checking out!

Best Crypto Debit Card: What It is and How Can It Benefit You?

Okay, you know which are the best crypto debit cards, but do you really understand what a crypto debit card is and how it works? Put simply, crypto debit cards work by linking your cryptocurrency wallet to a physical or virtual crypto debit card, giving you access to your funds at any time.

When you use your crypto debit card to make purchases, the card provider converts your cryptocurrency into fiat currency at the current exchange rate, allowing you to spend your digital assets without having to worry about currency conversion.

Keep in mind that, in order to make a purchase with a crypto debit card, you must first have cryptocurrencies in your wallet. This means acquiring them through a traditional payment method, including debit cards. If you're not sure how to buy crypto with a debit card, or any other way, check out this guide.Now, once you've bought your crypto, top up your card, and you're good to go!

Besides simplifying the process of spending your currencies, one of the biggest advantages of the best crypto debit cards is the rewards and cashback programs, making them an attractive option for those who want to earn rewards while using their funds. Although, note that most crypto debit cards require users to stake / hold the platform’s native token in order to receive cashback rewards.

Beyond that, some cards also offer features such as travel insurance, purchase protection, and other benefits typically associated with traditional debit cards. However, crypto debit cards come with some drawbacks, as well, including geographical restrictions, taxes, and transaction/conversion fees. The good news, though, is that most debit cards are issued for free. It’s also very common for platforms to not charge annual fees.

In conclusion, a crypto debit card is an excellent way to spend your cryptocurrencies in the real world, making it easier to manage your finances and simplify your day-to-day transactions.

By linking your cryptocurrency wallet to a debit card, you can access your digital assets at any time and use them to pay for everyday expenses. When it comes to crypto wallets, consider getting a hardware wallet if you want to keep your funds especially secure. Some of the best options on the market include Ledger Nano X and Ledger Nano S Plus.

It's a huge step in the crypto industry toward wider adoption. After all, payment cards are the most popular form of payment^[1]. With so many benefits and features to choose from, it's essential to research and find the best crypto debit card for your needs. That’s where my list above will come in handy!

By the way, I’d like to make it clear that, besides debit cards, there are also crypto credit cards. However, in this article, I have only been talking about the former. Nonetheless, in case you don’t know the difference between the two, allow me to explain it to you:

A crypto credit card is used similarly to a conventional credit card – you are given a credit limit that you can spend as long as you make payments on time^[2]. When it comes to crypto credit cards, your limit is associated with your cryptocurrency holdings.

On the other hand, as the name suggests, a crypto debit card is a payment card that allows you to make purchases or cash withdrawals at ATMs using your own money.

With either option - crypto debit or credit card -, you can easily spend your cryptocurrencies on real-life expenses, goods, and services.

Pros and Cons of Crypto Debit Cards

All in all, below are the main reasons why people choose crypto debit cards (or don't).

Pros

• Allows you to use crypto for everyday purchases.
• Provides the option of earning lucrative rewards via cashback.
• Helps to avoid currency exchange fees when traveling.
• Increased asset liquidity.
• Usually can be acquired for free.

Cons

• The process of using crypto for purchases is a taxable event.
• Crypto is volatile, which means that apart from gains, you can also incur losses.
• Crypto debit cards often have geographical restrictions.

That's pretty much it! Whether you'll get a crypto debit card or not is completely your choice.

Conclusions

So, now that I've finished talking about the best crypto debit cards, let's recap a bit. These cards are super handy because they let you spend your digital assets just like you would with a regular debit card.

This means you can use your cryptocurrencies to buy things like groceries, gas, or even a new pair of shoes. But, when you're looking for a crypto debit card, there are some things you should consider. You'll want to check out the fees, security, and other features to make sure you're getting the most out of your card.

There are certainly great options out there, like the ones provided byBybit, KuCoin, and Coinbase. They each offer their own crypto debit cards with cool features and benefits. By the way, it's important to keep in mind that, while most of the cards I mentioned earlier are suitable for European residents, there are also great crypto debit cards USA residents can use.

Anyway, I hope you found the best crypto debit card for you. Good luck using it!

Other Crypto Exchanges In This Category

Here are other crypto exchange related to the category but not as favoured by BitDegree readers yet. In my personal opinion, today there are much more optimal crypto exchange in the list with the higher rating that I'd recommend for the same price range or less.

Binance Card - Up to 8% of Cashback Rewards