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.
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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.
Benefits | Drawbacks |
A mobile application available | SMS notification monthly fee (1 dollar, euro or pound) |
A large number (150+) of fiat and cryptocurrencies supported | Limits 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.
Benefits | Drawbacks |
A card can be purchased with EUR, USD, GBP, and BTC | The site is supported in English only |
Both plastic and online cards are available | Only cooperates with the Visa payment system |
Card price is $0 | Monthly maintenance fee is 1 Dollar, Euro or Pound |
Worldwide delivery is 15 USD/EUR/GBP | Unverified 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.
Benefits | Drawbacks |
The website supports several languages | Physical card issuance cost is €7 |
SpectroCoin debit cards can be used wherever Visa or MasterCard are accepted | A 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.
Benefits | Drawbacks |
Zero spending commission | $2.75 ATM withdrawal fee |
$15 physical card issuance cost | PayPal funding is not accepted |
$1.5 virtual card issuance cost | 4.5% foreign exchange fee |
5. Coinbase
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.
Benefits | Drawbacks |
No domestic transaction fees | €4.95 issuance fee |
Google Pay available | Small pre-fee withdrawal limit (€200 per month), adds 1% to every transaction afterward |
Easy to choose between available cryptocurrencies | 3% international transaction fee |
6. Bitpay
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.
Benefits | Drawbacks |
High spending and loading limits | $10 issuance fee |
No monthly fees | Some conversions may require you to pay network and mining fees |
No conversion fees |
7. Bitwala
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.
Benefits | Drawbacks |
No fees for ATM withdrawal | Some ATMs have individual fees |
A full Euro bank account | |
Access to the trading platform |
8. Crypto.com
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.
Benefits | Drawbacks |
No fees for ATM withdrawal before the limit | Small limits for low-tiered cards |
Promo offers for various card tiers | 2% fees on all withdrawals after the limit is up |
9. Nexo
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.
Benefits | Drawbacks |
No fees | Some ATMs have individual fees |
Free additional virtual cards | It is still in Early Access |
Instant cashback system |
10. Uquid
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.
Benefits | Drawbacks |
No commission on spending | Not available for the USA citizens |
The virtual card is linked to Paypal | Only available for already existing Uquid users |
Access to the trading platform | Slightly 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.
Summary
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.