List of the Best Crypto Cards

Best Bitcoin Debit Card

You have cryptocurrency in your BTC wallet and want to use it to make purchases in real life? That becomes possible with Bitcoin debit and credit card. There are many available ones on the market, so it might be confusing for people who only got on the scene. After all, not every offer is straightforward. That’s where Changelly has your back, for we compiled this list of the top 10 best Bitcoin debit and credit cards for you. 

But before we dive in, let’s take a look at what benefits the Bitcoin debit card can offer to its users, and what are its drawbacks.

Bitcoin Debit Card Use Cases

Owning a card that is tied to the most famous and common type of cryptocurrency provides a wide range of opportunities. However, such financial instruments have a number of features and differences from conventional plastic cards. 

Advantages of a Bitcoin card are:

  • The card works in conjunction with traditional Mastercard and VISA payment systems, which significantly expands the scope of application;
  • Some Bitcoin cards provide the possibility to store not only virtual but also fiat money. This is convenient for easier exchange of currencies at the domestic rate;
  • Bitcoin debit cards are issued not only by banks, but also by various financial services, a significant part of which works online and anonymously, and therefore verification is not required;
  • A Bitcoin card is tied to a cryptocurrency wallet, which provides round-the-clock access to virtual money.

At the same time, BTC debit cards are not devoid of disadvantages:

  • High fees for every real-life transaction; 
  • Some cards are quite expensive;
  • They are not accepted in some stores and countries;
  • It’s hard to transfer cryptocurrency from a BTC debit card to another conventional debit card.

Top 10 Best Bitcoin Debit and Credit Cards

To help you choose the best Bitcoin card that will suit you, we’ve compiled this list with all their pros, cons, and features.

1. Wirex

Wirex BTC debit card

Where to Use: Worldwide (ATM transactions unavailable in Singapore)

Type of Card: Physical and Virtual cards available

Fees: $2.5 for EEA cash withdrawal, $3.5 for international

Supported Currencies: BTC, ETH, LTC, Dash + other crypto & fiat currencies

Wirex is an international debit card that appeared on the market in 2015 and is delivered worldwide. The limit of cash withdrawals at ATMs for unverified users is $1000, with no limits for verified users. The maximum amount on the card is $ 2000. The cash withdrawal fee is $2.5.

Wirex works in partnership with Visa and Mastercard, so you don’t have to search for “Bitcoin Accepted” signs.

A mobile application availableSMS notification monthly fee (1 dollar, euro or pound)
A large number (150+) of fiat and cryptocurrencies supportedLimits on cash withdrawals without identification
No limits on online shopping and/or exchange

2. CryptoPay

Where to Use: Anywhere where VISA is accepted

Type of Card: Virtual + Physical

Fees: Withdrawal fee is $2.5. 1% loading fee

Supported Currencies: BTC + fiat (GBP, EUR, USD)

CryptoPay is a full-fledged VISA debit card, and it can be paid wherever VISA is accepted, as well as withdraw money from an ATM.

A card can be purchased with EUR, USD, GBP, and BTCThe site is supported in English only
Both plastic and online cards are availableOnly cooperates with the Visa payment system
Card price is $0Monthly maintenance fee is 1 Dollar, Euro or Pound
Worldwide delivery is 15 USD/EUR/GBPUnverified users have low loading and withdrawal limits

3. SpectroCoin

SpectroCoin BTC debit card

Where to Use: Worldwide

Type of Card: Physical, Virtual

Fees: Withdrawal fee is $2.5.

Supported Currencies: BTC, XMR, NEM, ETH, Zcash, DASH + other altcoins + EUR, GBP, USD

SpectroCoin is a Bitcoin payment solution offering a Bitcoin wallet, an exchanger, prepaid debit cards, and transfers. It currently operates on the Visa platform, offering only prepaid Visa cards.

The website supports several languagesPhysical card issuance cost is €7
SpectroCoin debit cards can be used wherever Visa or MasterCard are acceptedA variety of fees, depending on the circumstance and the country of the user
Supports Monero, Ethereum, Zcash, Dash, and other altcoins
A low limit on card (€8000)
Free shipping of physical card

4. Tenx

Where to Use: Worldwide

Type of Card: Physical and Virtual

Fees: 0% for transactions, $2.75 for ATM withdrawal

Supported Currencies: BTC, LTC, ETH + USD

TenX offers a multi-currency wallet that supports several currencies, in particular, Bitcoin, Ethereum, and Liteocin. By linking a TenX digital wallet to a Visa card, a user can easily pay for goods in a local currency, which will withhold from his cryptocurrency account. The card can be used in all countries. Users can add funds via wire transfer or from other credit cards.

Zero spending commission$2.75 ATM withdrawal fee
$15 physical card issuance costPayPal funding is not accepted
$1.5 virtual card issuance cost4.5% foreign exchange fee

5. Coinbase

Coinbase Bitcoin Card Visa

Where to Use: Worldwide

Type of Card: Physical and Virtual

Fees: 2.49% for transactions, $2.75 for ATM withdrawal

Supported Currencies: BTC, LTC, ETH + USD

A Bitcoin debit card from Coinbase, that is tied to the user’s Coinbase account and wallet. Through it, you can easily use the stored crypto as a payment method. In addition to that, users can withdraw and deposit money at any Visa-supporting ATM all over the world. And last, but not least is the user-friendly mobile app allowing you to use a virtual card for any transaction.

No domestic transaction fees€4.95 issuance fee
Google Pay availableSmall pre-fee withdrawal limit (€200 per month), adds 1% to every transaction afterward
Easy to choose between available cryptocurrencies3% international transaction fee

6. Bitpay

Bitpay Bitcoin Card

Where to Use: Worldwide

Type of Card: Physical and Virtual

Fees: 2.49% for transactions, $2.5 for ATM withdrawal

Supported Currencies: BTC, BCH, ETH, and USD

This Bitcoin card was created by a team behind the Bitpay Wallet. With it, you can access and convert your crypto on the fly and use it to pay anywhere worldwide. Supports both prepaid Visa and Mastercard platforms, as well as a mobile app with a virtual Bitcoin card.

High spending and loading limits$10 issuance fee
No monthly feesSome conversions may require you to pay network and mining fees
No conversion fees

7. Bitwala

Bitwala Bitcoin Card Visa

Where to Use: Worldwide

Type of Card: Physical and Virtual

Fees: €0 for ATM withdrawal, some ATMs have individual fees, 1% trading fee

Supported Currencies: BTC, ETH, and Euro

Bitwala is a licensed online bank, so it comes as no surprise that they are issuing their own credit and debit cards. What is surprising is that this is a Bitcoin debit card, allowing users to use their crypto account in order to pay for services and goods. It works on a Mastercard platform, allowing users access to ATMs worldwide. Bitwala also offers access to their trading platform, connecting the card, the wallet, and trading in one package.

No fees for ATM withdrawalSome ATMs have individual fees
A full Euro bank account 
Access to the trading platform

8. Bitcoin Card Visa

Where to Use: Worldwide

Type of Card: Physical and Virtual

Fees: 2% of the transaction after the withdrawal limit

Supported Currencies: BTC, MCO, USD

A rather interesting example, MCO Bitcoin card introduces its own token in the ecosystem. By staking MCO, users can unlock better card tiers and rewards. It should also be noted that most cards are made out of composite metal, making them more sturdy to wear and tear.

No fees for ATM withdrawal before the limitSmall limits for low-tiered cards
Promo offers for various card tiers2% fees on all withdrawals after the limit is up

9. Nexo 

Nexo Bitcoin Credit Card

Where to Use: Worldwide

Type of Card: Virtual

Fees: No fees

Supported Currencies: BTC, XLM, and USD

A crypto loan platform, Nexo recently launched its own Bitcoin debit and credit card to add to its ecosystem. A Nexo card is automatically tied to the Nexo Wallet and assets its user has, so it doesn’t require any additional information or wallet to work. It also allows users to get instant access to their credit line and get a crypto loan from Nexo, with tokens/coins as collateral. 

No feesSome ATMs have individual fees
Free additional virtual cardsIt is still in Early Access
Instant cashback system

10. Uquid

Uquid Bitcoin Card

Where to Use: Worldwide

Type of Card: Physical and Virtual

Fees: $16.99 issuance fee, $2.5 ATM withdrawal fee

Supported Currencies: BTC and 80+ Altcoins, USD, GBP, EUR

Uquid ecosystem offers to its clients a choice between Bitcoin and Altcoin debit cards. The card itself is a Visa card, so it can be used worldwide, but there is a catch here. Investors from the USA will not be able to use it, so they will need to look for another option. The Uquid Bitcoin card also is usable at their trading platform, making trading and exchange more user-friendly.

No commission on spendingNot available for the USA citizens
The virtual card is linked to PaypalOnly available for already existing Uquid users
Access to the trading platformSlightly higher than average issuance fee

For those who just want to buy Bitcoin without hassle about ordering a card, there is always the option to do that through the Changelly’s widget.


With that, we can conclude our guide on the best Bitcoin cards available on the market. Now, should you want to use cryptocurrency in your life more fully, you know where to look and what to look for. With this guide, you will be able to choose the card that will best suit you or to conduct your own research if you don’t find a card that tickles your fancy. Stay safe, keep your coins stored, and look out for more crypto-financial posts.

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