Paying with crypto at a cafe, in a cab, or on a marketplace is now ordinary. Visa and Mastercard support hundreds of card programs tied to crypto wallets and stablecoins. Choice is the hard part. Some cards take a cut on conversion. Some put the strongest cashback behind token staking. Some block large parts of the world by geography.

This roundup covers 72 cards in six clusters. Each entry notes category, network, custody, issuance cost, conversion and FX, ATM terms when listed, cashback, region, and the main advantage. Terms change constantly, so verify with the issuer before applying. A figure written as “up to X%” almost always belongs to a top VIP tier that requires token staking; after caps, real cashback usually sits 2–4 points below the headline rate.

Exchange Cards

These custodial cards are convenient if you already trade on the exchange. Crypto sits on the exchange balance, and the card spends from there.

Crypto.com

Custodial CEX Visa. Virtual and physical issuance is $0. Conversion uses a spread, with 0% FX on top tiers. ATM withdrawals are free up to a limit. Cashback is 0–5% in CRO across six tiers and requires a CRO stake. Available in 40+ countries. Higher tiers add maximum rewards plus streaming and lounge perks.

Bybit Card

Custodial CEX Mastercard. Issuance is $0. Conversion is about 0.5–0.9% plus FX of about 0.5–1%. ATM withdrawals are free up to €100 per month, then about 2%. Cashback is 2–10%. Offered in the EEA, Australia, Latin America, and APAC, not the US. High cashback with no mandatory staking.

Binance Card

Custodial CEX Mastercard. Issuance is $0. Conversion is 0.9%. ATM terms vary. Cashback is up to 3% in BNB. Regions include Brazil, Australia, New Zealand, and other limited markets. Access to 500+ assets inside the Binance ecosystem.

Coinbase Card

Custodial CEX Visa, plus an Amex credit option. Issuance is $0. Conversion uses a spread plus 3% FX. ATM fee is $2.50 plus the operator charge. Cashback is 1–4% in crypto. Mostly US. Built for maximum simplicity for Coinbase users.

OKX Card

Custodial CEX Visa/Mastercard. Issuance varies. Conversion spread is 0.1–0.5%. ATM terms vary. Cashback is offered. Availability is by region. Among the lowest spreads on stablecoins.

Bitget Card

Custodial CEX Visa/Mastercard, with two cards. Issuance is $0. Conversion is low, with a fee-free quota. ATM fees are $2–5. Cashback is up to 8% in BGB. Regions: EEA, APAC, and the UK. High cashback for holding the exchange token.

Gate.io Card

Custodial CEX Visa Platinum. Issuance is $0. Conversion and ATM terms vary. Cashback is 1–5% in points paid in USDT, BTC, ETH, or GT. Global coverage. One of the widest asset lists.

KuCoin Card

Custodial CEX Visa. Issuance is $0. Conversion and ATM terms vary. Cashback is tiered in KCS. EEA only. Ties into the KuCoin ecosystem.

Kraken Krak Card

Custodial CEX Mastercard issued by Monavate. Issuance is $0. Conversion is spread only, with 0% FX. ATM terms vary. Cashback is about 1%. EEA and UK. Transparent fees limited to the spread.

BitMart Card

Custodial CEX Visa. Free virtual issuance. FX is 1.3%. ATM terms vary. Cashback is up to 5.5%. EU plus multi-chain support. Tiered cashback across many blockchains.

BitPay Card

Custodial CEX/fintech Mastercard. Issuance is $0. Conversion uses a spread. ATM terms vary. Rewards are in-app. US only. Loads BTC and legacy assets including LTC and DOGE.

Bitpanda Card

Custodial CEX Visa. Issuance is $0. FX is 0%. ATM terms vary. Cashback is 1%. EEA. A simple custodial option with 600+ assets.

Uphold Card

Custodial fintech Visa/Mastercard, with three cards. Elite Metal issuance is $99.99 per year. Conversion varies. ATM withdrawals are free up to $250 per month, then 2%. Cashback is up to 6% in XRP. US and UK. Moves between crypto, fiat, and metals.

Gemini Credit Card

Custodial CEX Mastercard World Elite credit card in four editions. Issuance is $0. FX is 0%. ATM withdrawals are free up to $1,000 per month. Cashback is up to 4% in crypto, including BTC, SOL, XRP, and 50 further assets. US only. Pay from a bank without selling crypto.

Cryptomus Card

Custodial CEX/fintech Visa virtual card. Issuance is low. Auto-converts USDT/USDC. Latin America, APAC, and global. Fast stablecoin top-up.

Blofin Card

Custodial CEX virtual euro card. Registration is free. FX is 0% in the EEA. No cashback. EEA. A euro virtual card.

Fintech, Neobanks, and Credit Cards

These products let you keep the asset and spend against it, or hold a multi-currency balance.

Nexo Card

Custodial credit/hybrid Mastercard with debit and credit. Free with a qualifying balance. Conversion is 0.2% in the EEA, UK, and CHF, and 2% elsewhere. ATM withdrawals are free up to €2,000 per month, then 2%. Cashback is up to 2%, and 0% in debit. EEA and UK. Borrow against collateral without selling, with interest on the balance.

Wirex Card

Custodial fintech Visa/Mastercard. Issuance is $0. Load fee is 1%, with 0% FX in many countries. ATM withdrawals are free up to about €200 per month, then 2%. Cashback is 0.5–8% in WXT. EEA, UK, and APAC. Multi-currency; 8% needs a WXT lockup plus a €9.99–29.99 monthly plan.

Xapo Bank Card

Custodial fintech/bank Visa/Mastercard from a licensed bank. Issued with a bank account. Conversion varies. Cashback is offered. Global. A full licensed Bitcoin bank.

Ledger Card

Custodial/self-bridge fintech Visa. Issuance is $0. Conversion uses a spread. ATM terms vary. Cashback is 1% in BTC. US, EEA, and UK. Pairs with the Ledger cold wallet.

Lava Card

Bitcoin credit card. Registration is free. FX is 0%. Cashback is up to 5% in BTC. US. Bitcoin credit without selling BTC.

Xplace Card

Self-custodial Solana credit product with four cards. Issuance and conversion vary. Cashback is offered. Global. Borrow USDC against crypto collateral.

Avici Card

Self-custodial Visa credit, with two cards. US, Latin America, and APAC. USDC in a smart contract becomes a credit line.

Self-Custodial DeFi Cards

Funds stay in the wallet until payment, with minimal counterparty risk.

MetaMask Card

Self-custodial Mastercard. Virtual issuance is $0; Metal is $199 per year. FX is 1% on the free card and 0% on Metal. Cashback is up to 3% on Metal. US, EEA, and UK. Spend straight from MetaMask on Linea, Base, and Solana.

Bleap

Self-custodial Mastercard using MPC. Virtual issuance is $0. FX is 0%. ATM withdrawals are free up to about $400 per month. Cashback is 2% in USDC, and up to 20% on gaming. EEA. Pure self-custody, no subscription, and 5,000+ assets.

ether.fi Cash

Self-custodial Visa in Core, Luxe, Pinnacle, and VIP tiers. Virtual is free; metal is paid. Conversion is tier-dependent. Cashback is 3%+. Global, including the US and UK. Tiers add lifestyle perks such as lounges and hotels.

Gnosis Pay

Self-custodial Visa on a Safe wallet. Issuance is €30 one-time. FX is 0%, though some report a disputed stabilization fee of about 1.5%. Cashback is up to 5% in GNO. EEA and UK. Fully on-chain settlement.

Tria Card

Self-custodial, with three cards. Conversion varies. Cashback is up to 6% and capped. EEA, UK, and US. Claims up to 15% APY and lists 1,000+ assets.

Payy Card

Self-custodial Visa using ZK proofs. FX is 0% on USD and 1% otherwise. Global. Privacy through zero-knowledge proofs.

Plasma One

Self-custodial Visa in Lite, Core, and Platinum. Conversion varies. Cashback is 2–4% in XPL plus yield. Global. Stablecoin focus with yield.

Ready Card

Self-custodial Mastercard on Starknet. Conversion varies. Cashback is up to 3% in STRK. EEA and UK. Native Starknet ecosystem.

Tuyo Card

Self-custodial Visa on Base. FX is 0% on USD. Cashback is in TUYO. Global. Apple Pay and cheap spend from Base.

Jupiter Card

Self-custodial Visa virtual card. Virtual issuance is free. Conversion varies. Cashback is 2% base, up to 4% with referrals. US, Latin America, and APAC. Jupiter/Solana ecosystem.

Solflare Card

Self-custodial Visa. FX is 1% on USDC. No cashback. EEA and UK. Spend USDC straight from a Solana wallet.

Oobit

Self-custodial Visa. FX is 0%. ATM use is at the network rate with no markup. Cashback on USDT/OOB. 150+ countries. Zero fees and tap-to-pay.

COCA Card

Non-custodial Visa on Wirex infrastructure. FX is 0%. Cashback is up to 8% with a COCA stake. EEA, UK, and APAC. 6% APY on stablecoins plus perks.

1inch Card

Self-custodial Mastercard from a DEX aggregator. Conversion is about 0–1%. Cashback is 0–1%. EEA and UK. DeFi-native spend from 1inch.

Avalanche Card

Self-custodial Visa. Cashback is not clearly stated. Europe. Spend AVAX and stablecoins with self-custody.

Solayer Card

Self-custodial Visa. Conversion is low. Cashback is tiered. Europe. Solana-DeFi integration.

Monolith Card

Self-custodial Visa. Conversion varies. No cashback. Europe. One of the oldest self-custody projects.

SafePal Card

Self-custodial Visa. Conversion varies. Cashback is low. Availability is by region. A compliant crypto-fiat bridge.

Holyheld Card

Self-custodial Visa/Mastercard. Issuance has a high upfront cost. Conversion varies. Cashback is 0.5–1% in USDC. Europe. Built for heavy, consistent spenders.

Revuto Card

Self-custodial and non-custodial. Registration is free. Conversion varies. Cashback is up to 4% in REVU. EU and UK. No-KYC, Cardano ecosystem.

Coin98 Fusion Card

Self-custodial and non-custodial. Top-up is 1%. No cashback. APAC. Multi-chain spend from Coin98.

Ruvo Card

Self-custodial and non-custodial. Brazil and the US. No IOF tax, with Apple Pay and Google Pay.

Topnod Card

Self-custodial virtual card. Cashback is offered. UK and EEA. Spend from the wallet with no top-up.

PlasBit Card

Visa, with two cards. Issuance varies. Load fee is 0.5%. ATM withdrawals are free up to €200 per month. EEA, UK, and global. Low load fee.

Stablecoin and Prepaid Cards

These cards target large spend, travel, and regions where traditional banks are not available.

RedotPay

Visa prepaid; custodial or self-custody depends on funding. Virtual issuance is $10; physical is $100 one-time. Conversion is 1% in USD and 2.2% non-USD. ATM fee is about 2%. No base cashback. 100+ countries, excluding the US, Ukraine, and Russia. High limits and leading spend volume.

Kast Card

Custodial Mastercard via Bridge/Lead Bank, with five or more cards. Issuance is tiered (Metal/Gold). Conversion is low on stablecoins. ATM access is available. Cashback is up to 3% in USD plus KAST points. Very wide reach. Multi-chain USDC/USDT with a USD/EUR account.

Kolo Card

Visa Platinum virtual card. FX is 0% on stablecoins. Cashback is 2% in BTC. 170+ countries. Sign-up via Telegram or the app.

Plutus

Non-custodial Visa. Plans are £6.99–19.99 per month. FX is 2.5%, or 0% up to €15,000 per month. ATM withdrawals are free up to €200 per month. Cashback is 3–9% in PLU with staking. UK and EEA. EUR/GBP fiat funding plus perks.

Mercuryo Card

Custodial Visa/Mastercard. Issuance varies. FX is 1%. ATM fee is 2% plus €2. Cashback is up to 3%. EEA. Fast onboarding and transparent fees.

CoinJar Card

Custodial Mastercard. Issuance is $0. Purchases carry a 1% fee. Points are up to 2%. Australia and the UK. The 1% purchase fee is offset by points.

Venmo Crypto Card

Custodial Mastercard debit. Issuance is $0. Conversion varies. Cashback is offered. US. Crypto spend inside Venmo.

YPT Card

Custodial multi-chain card. Opening cost is $10. FX is up to 1.2%. EU. Up to $100,000 per transaction with multi-chain top-up.

Geme Card

Virtual card. Registration is free. Point-of-sale FX is 0%. Cashback is offered. 170+ countries. SEPA top-up and a free virtual card.

Fiwind Card

Virtual card. Registration is free. International conversion is 1.5%. Latin America. IBAN with a regional option.

Rapidz Card

Custodial prepaid. Registration is free. Non-USD conversion is 2.5%. No cashback. US. Simple prepaid with no thresholds.

Jeton Card

Custodial prepaid. Registration is free. Conversion varies. Cashback is offered. 31 EEA countries. IBAN with wide EEA coverage.

Wavecard

Visa/Mastercard. Registration is €2.99. Fee is 1.5%. No cashback. EU with IBAN. BTC plus IBAN.

SecondFi Card

Mastercard on Wirex infrastructure. Cashback is offered. EU. Cardano-native, with on/off-ramp via Banxa.

No-KYC, Telegram, and Niche Cards

These cards focus on privacy, regional use in Africa, Brazil, and APAC, and Telegram.

Mpay Card

Self-custodial, non-custodial, no-KYC. Global. Multi-chain access through a Telegram Mini App.

Trocador Card

Self-custodial, non-custodial, no-KYC. Registration is $2 plus 3%. Conversion varies. No cashback. Global. Privacy-focused.

Antarctic Card

Neobank virtual Mastercard. Global. TON and TRC-20, with Telegram and QR payments.

Bipa Card

Bitcoin credit over Lightning. Cashback is up to 5% in BTC. Brazil plus PIX. Lightning Network with BTC cashback.

Busha Card

African prepaid. Registration is free. FX is 0% on USD. Cashback is offered. Africa. No IBAN, with a focus on the African market.

Spenda Card

African virtual card in USD/Naira. No cashback. Nigeria and Africa. Verve cards with zero maintenance.

ZAR / Zap Card

Self-custodial Visa for emerging markets. Free virtual issuance. P2P cash-to-USD plus a real US account.

BlackCat Card

Fintech Visa/Mastercard. Registration is free. Conversion varies. Cashback is 0.5–3%. EU with IBAN. A flexible fintech card with IBAN.

Corporate Cards

These cards are for business, KYB, and team spending.

Meow Card

Custodial business Mastercard. Issuance is $0 per year. Conversion varies. Cashback is 2.5% on AI. US. Built for business spend.

Whop Card

Custodial virtual euro card. Registration is free. FX is 0% in the EEA. No cashback. EEA. A corporate euro card.

DTcpay Card

Custodial corporate card. Registration is free. Domestic FX is 0%. No cashback. EU and APAC. KYB for business.

How to Choose in 30 Seconds

Fund the card with stablecoins such as USDC or USDT; that often zeroes out the conversion fee. Cashback paid in a volatile token such as CRO, WXT, or PLU can lose value; cashback in USDC is predictable. In most countries, including the US, UK, and EU, spending crypto is a taxable event. Custodial cards are simpler and carry counterparty risk. Self-custodial cards are safer on that point and take more technical know-how.

A fuller list of 350+ cards, filterable by country, is at todey.xyz/cards. This snapshot is as of mid-2026; verify current terms with the issuer before applying. Not financial advice. DYOR.

FAQ

What does “up to” cashback usually mean?

It almost always describes a top VIP tier that requires token staking. After caps, real cashback usually lands 2–4 points below the headline rate.

Does funding with stablecoins change conversion fees?

Funding with USDC or USDT often zeroes out the conversion fee. Cashback in a volatile token can lose value, while USDC cashback is predictable.

Is spending crypto a taxable event?

In most countries, including the US, UK, and EU, spending crypto is a taxable event.