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Best Crypto Credit Cards 2021: Digital Banking, Spending & Saving

Crypto credit cards are definitely not a completely new phenomenon, but they’ve definitely entered a new era of prominence over the past year or two. Although Bitcoin was originally touted as a way to revolutionize the world of online payments, the reality is most people are just using crypto assets as stores of value or speculative trading today. Indeed, there are scaling limitations that are inherent to public, decentralized blockchains, which has opened the door for credit debit cards to become a popular option whenever a crypto enthusiast wants to spend some of their holdings in the real world.

Best Cryptocurrency Credit Cards

Wirex Visa Card

Wirex Visa

  • You can stake WXT tokens to get up to 1.5% cashback
  • One of the oldest crypto Visa cards available
  • If you stake enough WXT tokens you can get discounts on fees
  • Accepted wherever Visa is accepted
Card Type Visa
Cryptocurrencies Supported 6+
Rewards 0.5% - 1.5%
Bitpay Card

Bitpay Mastercard

  • Simple, easy-to-use Bitcoin-based Mastercard
  • Available in the United States
  • Card costs a very reasonable $10
  • No need to invest in proprietary token
Card Type Mastercard
Cryptocurrencies Supported BTC
Rewards None
Swipe Visa Card

Swipe Visa

  • Significant perks for anyone willing to stake SXP tokens
  • Dual-interface NFC/EMV cards
  • Solid integration with Apple Pay, Samsung Pay and Google Pay
  • Four different tiers of cards with different corresponding rewards
Cryptocurrencies Supported 7
Rewards 1-5% Cryptoback
Coinbase Visa Card

Coinbase Visa

  • Visa card backed by one of the most reliable companies in cryptocurrency
  • Links to your Coinbase account
  • Spend your crypto anywhere Visa is accepted
  • Switch between cryptocurrencies on the fly
Card Type Visa
Cryptocurrencies Supported 9
Rewards None Visa credit card

CRO Visa

  • Up to 8% crypto cashback on all purchases
  • Huge amount of available perks including free Netflix, Spotify and Airport Lounge access
  • Unique CRO staking model offers five different tiers of cards
  • High-quality premium metal cards
Crypto Supported 7
Rewards Up to 8% Cryptoback
Monolith Visa Card

Monolith Visa Card

  • Users retain custody of their cryptocurrency
  • Can be used anywhere Visa is accepted
  • Not currently available in the United States
  • Based entirely on Ethereum
Card Type Visa
Cryptocurrencies Supported 8
Rewards None
Nexo Credit Card

Nexo Mastercard

  • Lets you spend while retaining your cryptocurrency
  • Solid 2% cashback across the board
  • No fees
  • Accepted everywhere Mastercard is available
Card Type Mastercard
Cryptocurrencies Supported 17
Rewards 2% cashback
Plutus Visa Card

Plutus Visa Card

  • Very competitive 3% cashback on most transactions
  • Non-custodial wallet for cashback rewards
  • Additional rewards program called Plutus Perks
  • Currently only available to Europeans
Cryptocurrencies Supported Ethereum only
Rewards 3% cashback, Plutus Perks
Daily ATM withdrawal limit €300
Bitwala Card

Bitwala Mastercard

  • European cryptocurrency credit card with support for Bitcoin and Ethereum
  • Users get their own lightweight bank account to go along with card
  • Fees relatively low compared to competitors
  • No need to stake a proprietary token to use Bitwala
Cryptocurrencies Supported BTC & ETH
Rewards None
TenX Visa Card

TenX Visa Card

  • A simple cryptocurrency Visa card that just works
  • Not available in the USA
  • You can use the card pretty much anywhere Visa is accepted
  • Virtual card available
Card Type Visa
Cryptocurrencies Supported 4
Rewards None
Ternio Blockcard

Ternio Blockcard

  • Impressive cashback rewards
  • Excellent referral program
  • Accepts a variety cryptos including BTC, BAT & ETH
  • FDIC insured checking account for BlockCard customers
Card Type Visa
Cryptocurrencies Supported 13
Rewards Cashback
Visa & Mastercards stacked

Change Visa

  • European crypto debit card with support for a number of different cryptocurrencies
  • Marketed as the card for cryptocurrency investors
  • One-time fee of €4.95 for the card
  • Very low transfer fees for most cryptos
Cryptocurrencies Supported 14
Rewards Up to 2% Annual Interest
AdvCash Credit Card

AdvCash Credit Card

  • Available in Russia and most of Europe
  • Supports a variety of cryptocurrencies including BTC, ETH, LTC, BCH, XRP, and ZEC
  • Good card for users who value privacy
  • Costs $14.99 for physical card
  • Exists on the AdvCash network, which offers a number of different features
Cryptocurrencies Supported 6
Rewards None
Uphold Mastercard

Uphold Mastercard Card

  • Simple but effective card for using your crypto for everyday purchases
  • Decent 2% cashback available to users
  • Small upfront cost and no requirement to hold proprietary tokens
  • Connects to the Uphold exchange to make transactions a breeze
Cryptocurrencies Supported 30+
Rewards Up to 2% cryptoback
Crypterium Visa Card

Crypterium Visa Card

  • Fee-based crypto credit card that is available worldwide
  • Crypto assets are fully insured
  • Supports a wide variety of different digital assets including BTC, ETH and LTC
  • Solid app that makes controlling your finances easy
Cryptocurrencies Supported 10+
Rewards Not yet available
BlockFi Visa Card

BlockFi Visa Card

  • Simple but reliable way to earn 1.5% cashback in crypto
  • Backed by BlockFi, one of the most reliable crypto lending services
  • Most crypto-based cards are limited to debit but BlockFi is a legitimate credit card
  • New users earn free Bitcoin if they surpass the set spending amounts
Cryptocurrencies supported Bitcoin
Rewards 1.5% cashback rewards paid in bitcoin to your BlockFi interest account

What is a Cryptocurrency Credit Card?

While traditional debit cards are usually attached to a bank account, a crypto debit card allows the user to access the spending power of their Bitcoin and other cryptocurrency holdings. And yes, there are now even crypto credit card options available to those who wish to borrow against their cryptocurrency assets and have the ability to spend them wherever Visa or Mastercard is accepted.

Let’s take a closer look at the crypto credit card ecosystem to see if this merger of the legacy financial system and the digital money of the future could be a good option for your situation.

Do I Need a Crypto Bank Card?

There are a variety of different reasons as to why someone would decide they should opt for a crypto debit card. And for some people, the reality is a crypto prepaid card is one of their only available options for accessing the global economy.

For most people, crypto debit cards will do nothing more than simplify the process of turning crypto assets into cash that can be spent in the real world. Yes, you could hold your crypto funds on an exchange, sell those holdings, and transfer them to your bank account when you need some spending money, but this can be a time-consuming process with a difficult-to-understand user interface that doesn’t make sense in the age of digital money. Crypto debit cards give you the ability to turn your crypto assets into your local currency in a matter of minutes, and you’ll be able to use that cash at a merchant that accepts Visa or Mastercard right away. You can even withdraw physical cash from ATMs with crypto prepaid cards.

While turning cryptocurrency into cold hard cash is the main selling point of crypto debit cards, there are also other perks to consider, such as the ability to instantly access a loan backed by your crypto asset holdings or receiving cashback rewards denominated in Bitcoin or another cryptocurrency.

What’s the Difference Between a Crypto Credit and Debit Cards?

Before we go further, it’s important to differentiate between credit cards and debit cards. A debit card is a card from a financial institution like Visa or Mastercard that allows a user to make card-based payments that pull money from an account where a user has already deposited funds such as a bank account. With a credit card, the user does not necessarily need to have any funds deposited with a bank or other financial institution in order to start spending money. The user is able to spend up to a certain limit every month and is expected to pay back all the money they spent at the end of the month.

While crypto debit cards have been around for years, crypto credit cards are a relatively new phenomenon that allow users to instantly spend money that they’ve borrowed against their crypto-denominated collateral. There are also a number of crypto credit cards in the works that operate the same as traditional credit cards, with the key difference that cashback rewards are paid out in Bitcoin.

What to Look for In a Crypto Credit Card

There are nine key attributes to look for in a crypto credit card.

Ease of use

A crypto credit card needs to be easy to use. After all, the whole point of combining cryptocurrency with the traditional financial system is to make it easier to start using Bitcoin and other crypto assets for everyday payments as quickly as possible. Some crypto debit cards come with attractive rewards and benefits programs that are combined with new experiments in cryptoeconomics that are difficult to understand. For many people, finding a card that simply allows the conversion of Bitcoin into a spendable prepaid Visa card is all that is needed.


It should come as no surprise that security is an extremely important issue for anything related to the world of cryptocurrency. Crypto assets work differently from the traditional payment rails that most people have used in the past. Most important, transactions made on Bitcoin and other cryptocurrency are, generally speaking, irreversible. This means that there is no one you can call for help in a situation where you’ve lost your password or got hacked. For this reason, it’s of the utmost importance that you choose a crypto credit card that allows you to store your cryptocurrency in a secure manner.


Reliability is another key concern in the cryptocurrency space. One’s ability to spend money can be extremely important, especially when it comes to tasks like buying groceries or paying rent. You need to make sure that you’re working with a trusted brand when choosing a crypto debit card, as you don’t want to find yourself in a situation where you cannot access your funds.


While fee structures shouldn’t be the only thing that you consider when choosing between different crypto debit cards, it’s no secret that everyone wants to spend as little as possible on things like processing fees and the cost of withdrawing cash from an ATM. There are a wide variety of fee structures used in the crypto debit card space, so make sure you take a look at the terms and service before you make your decision on which card to get. If you’ve found it difficult to find the fees associated with a particular card, then that card provider may be trying to hide the real cost of using their services.


The add-on features that are included in most crypto debit cards are still somewhat limited right now, as most crypto card providers are interested in nailing down the simple process of converting crypto assets into fiat currency held on a debit card before moving onto other features. That said, most card options do have at least one differentiating feature that allows it to stand out from the rest of the options on the market. When looking at different crypto debit cards, think about your personal situation and see if there are any crypto debit cards that are better suited for your specific needs.


Having an app associated with a crypto credit card is basically a requirement at this point. You want to be able to track your balance, transactions, and every other aspect of your crypto debit card at any moment, which means you need an app to handle everything while you’re on the go. One of the most beneficial features found in crypto debit card apps these days is the ability to instantly freeze your card in a situation where it is lost or stolen.

Incentives and Rewards

It should be noted that the level of incentives and rewards that are offered for crypto credit cards is pretty limited at this time. There are a few Bitcoin debit cards that offer cashback rewards of 5% or more, but these offerings are usually packaged with a requirement to buy and hold a large amount of a proprietary token (this holds certain amount of risk). More programs that allow cashback rewards in Bitcoin are continuing to come online, but it may make more sense to think more deeply about other factors for now.


Availability is a big issue in the world of crypto credit cards because the regulations around cryptocurrencies themselves seem to be changing on a week-to-week basis. Not only are the laws changing, but companies like Visa and Mastercard will also change their own internal policies on how their partners can deal with crypto assets from time to time. Finding a card that is available globally is a bit of a difficult ask right now, so make sure that your Bitcoin card is actually available in your local country before you make a commitment.

Conversions between crypto and local currencies

There are a number of different factors to consider when it comes to how you will be able to load a crypto credit card with your cryptocurrency of choice. Which crypto assets are supported by the crypto debit card? Are there different fee structures that are triggered when different cryptocurrencies are used to top-up the prepaid card? How quickly are funds available after a deposit has been made? These are the sorts of questions you should be asking yourself when it comes to moving back and forth between crypto and fiat via a debit card.

How Do I Fund a Crypto Credit Card?

While crypto credit cards are obviously focused on making cryptocurrencies more easily spendable on a day-to-day basis, the reality is these cards oftentimes have a variety of different funding methods that can be used. Yes, for the most part, you’ll be looking to convert your Bitcoin, Ether, or other favorite cryptocurrency into your local currency on your Visa or Mastercard debit card, but it doesn’t hurt to have other options, such as direct deposit and bank wires, available to you as well. When there are a variety of different methods for topping up your crypto debit card, it makes it easier for that card to become somewhat of a replacement for a bank account because you don’t have to worry about having that bank account available for receiving certain types of payments.

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