If you’re new to cryptocurrency—or considering getting your first Bitcoin card—this guide is tailored specifically for you. Below, you’ll find a clear and comprehensive overview of today’s best Bitcoin credit cards, including a detailed comparison of their key features, security protections, rewards programs, and overall ease of use.
Whether you’re experimenting with digital payments for the first time or you already have experience managing crypto assets, choosing the right Bitcoin card can make a significant difference in how smoothly you buy, spend, and earn Bitcoin. In this guide, we break down six leading crypto cards that combine convenience, strong security standards, and practical rewards. These options are well-suited for both beginners exploring digital finance and seasoned users seeking more efficient ways to use Bitcoin in everyday transactions.
Top 6 Bitcoin Credit Cards: A Complete Guide for Crypto Users
Rewritten and Expanded Text:
In this comprehensive guide, we break down the six best Bitcoin credit cards currently available on the market. Whether you’re new to cryptocurrency or looking to upgrade your existing card, this review will help you identify the option that offers the right blend of security, ease of use, and valuable rewards when spending or earning Bitcoin.
Below, you’ll find a carefully curated list of the top six Bitcoin credit cards worth considering if you’re planning to buy your first crypto card or switch to a more rewarding option. Each card comes with its own standout advantages—from enhanced security features to competitive cashback rates in Bitcoin and seamless integration with popular crypto wallets. This guide highlights what makes each card unique and provides practical insights to help you get the most out of your crypto-powered spending experience.
1. Coinbase Card: One of the Best Bitcoin Debit Cards
The Coinbase Visa Debit Card is one of the most widely used Bitcoin and crypto payment cards, issued by one of the largest and most trusted cryptocurrency exchanges in the world. With this card, you can make purchases anywhere Visa is accepted, whether you’re paying with a PIN, tapping for contactless payments, or withdrawing cash from ATMs. The card is currently available across most U.S. states (with Hawaii as the main exception) and can be activated instantly through the Coinbase app or by contacting local support.
Key Features of the Coinbase Card
The Coinbase Card stands out because it automatically converts your chosen cryptocurrency—whether Bitcoin or another supported coin—into your local currency at the moment of purchase. This makes it extremely convenient to use crypto in everyday situations, from grocery shopping to online purchases.
You can spend up to your available crypto balance exactly as you would with any standard debit card. Additionally, Coinbase offers a competitive rewards program, with cashback rates of up to 4% depending on the crypto you choose to earn.
Through the Coinbase app, you can switch between supported cryptocurrencies at any time, giving you full control over how you fund your purchases. To access and manage all card features, you simply need an active Coinbase account.
Fees and Spending Limits
- International users: daily spending limit of £10,000, ATM withdrawal limit of £500.
- United States users: daily spending limit of $2,500, with ATM withdrawals capped at $1,000.
- Fees: No issuance or domestic transaction fees in the U.S. International users may face a £4.95 fee or 2.9% per transaction. Crypto conversion fees (typically 2.49%) apply on most transactions unless you pay with USDC, which carries no conversion fee in many regions.
Security and Protection
Security is one of the strongest advantages of the Coinbase Visa Card. It uses AES-256 bank-level encryption, ensuring that your financial information remains private and protected. If your card is ever lost or stolen, you can freeze it instantly through the Coinbase app or website.
Additional security layers include two-factor authentication (2FA) and strict employee background checks across all Coinbase support teams. These measures help safeguard both your personal data and your digital assets.
Customer Support
Coinbase provides extensive support resources, including a large library of self-help articles for common card-related issues. If you need personalized assistance, you can contact customer support directly through the in-app messaging system or via email using the official contact form.
Coinbase Card Mobile App
The Coinbase Card integrates fully with the Coinbase mobile app, offering an intuitive dashboard where you can manage your card, track spending, review transaction history, and monitor your crypto balances. The app is available on both Google Play and the Apple App Store, ensuring seamless access for all users.
Pros of the Coinbase Card
- Simple, everyday use of your Bitcoin and other crypto balances
- Strong, multi-layered security to protect funds
- Generous rewards program with up to 4% cashback in crypto
- Ability to earn Bitcoin on purchases
- No annual fee
Cons of the Coinbase Card
- Higher fees for users outside the United States
- Crypto conversion fee of 2.49% on most transactions (except USDC)
2. Uphold Card: Full Control Over Your Crypto Spending
The Uphold Card is an excellent choice for crypto investors who want complete control over how they spend their digital assets. Once you receive the physical card, you can select your preferred funding source directly from the Uphold app—whether Bitcoin, another cryptocurrency, or even traditional currencies stored in your Uphold account. Unlike some crypto debit cards, the Uphold Card supports both everyday in-store purchases and ATM withdrawals, charging only modest fees for cash access.
Key Features of the Uphold Card
One of the standout advantages of the Uphold Card is its precise real-time spending analytics, allowing users to track transactions and manage budgets directly from the app. You can also freeze or unfreeze the card instantly whenever needed, adding an extra layer of security.
The card charges no foreign transaction fees, making it especially appealing for travelers who want to avoid the high conversion charges typically imposed by traditional banks. You can spend crypto directly from your Uphold wallet, and the rewards structure is highly competitive—up to 4% cashback when paying with crypto and 2% when using fiat currencies.
The Uphold Card also supports digital wallets including Apple Pay and Google Pay, enabling fast, secure, contactless payments anywhere these services are accepted.
Uphold Card Fees
- New or replacement physical card: £9.95
- ATM withdrawals in the UK and EU: £2.50
- ATM withdrawals outside Europe: £3.50
Security and Compliance
Uphold emphasizes strong regulatory compliance and robust security standards. The company adheres to all applicable local and international regulations to protect customer data. It maintains PCI/DSS standards, ensuring safe storage and transmission of card information, while also implementing continuous monitoring to protect user accounts and personal data around the clock.
Customer Support
Uphold offers a comprehensive support center with detailed answers to common card-related questions. Users can also contact the support team directly through the app or via the official website whenever they need assistance with transactions, account issues, or card usage.
Uphold Card Mobile App
The Uphold Card integrates seamlessly with the Uphold mobile app on both Android and iOS. Within the app, you can manage the physical and virtual card, add it to Apple Pay or Google Pay, monitor spending activity, and switch funding sources with ease. The interface is designed for straightforward management of both crypto and fiat balances.
Pros of the Uphold Card
- Accepted at more than 50 million merchants worldwide
- No foreign transaction fees, ideal for international travel
- Full control over crypto funding sources
- Supports Apple Pay and Google Pay for fast digital payments
- Lower fees for international transfers compared to many banks
Cons of the Uphold Card
- Currently available only to customers in the United Kingdom
- ATM fees outside the UK can be relatively high
3. Binance Card: A High-Cashback, Multi-Currency Bitcoin Card
Launched in September 2019, the Binance Card quickly became one of the world’s most widely used cryptocurrency payment cards. Powered by Binance, one of the largest and most influential crypto exchanges globally, the card allows you to spend digital assets directly from your Binance wallet balance. With broad merchant acceptance and a generous rewards program, it has become a top choice for users who want to spend Bitcoin and other cryptocurrencies with ease.
Key Features of the Binance Card
The Binance Card can be used at more than 60 million merchants worldwide, automatically converting your chosen cryptocurrency into local fiat currency at the moment of purchase. It supports a wide range of digital assets, including BNB, BUSD, Bitcoin (BTC), Ethereum (ETH), and SXP, along with EUR for fiat payments.
One of its most attractive features is its tiered cashback program, which ranges from 1% to 8%, depending on how much BNB you hold in your Binance account. This makes the Binance Card one of the most rewarding Bitcoin cards available, particularly for users already invested in the Binance ecosystem.
The card is free to apply for, and once issued, it links directly to your Binance wallet, allowing for instant access to your crypto balances.
Binance Card Fees and Limits
- No monthly fees or issuance fees
- No minimum deposit required
- Daily spending limit up to €8,700, as long as you have enough balance in your Binance account
Security and Protection
The Binance Card operates under strict security protocols. User funds are stored in segregated accounts, offering protection in the event of insolvency of the card issuer, Contis Financial Services Ltd. Binance also provides real-time purchase notifications, giving users instant visibility into all card activity.
Customer Support
Binance offers multiple support options through the app and official website, including a live chat feature that connects you with support representatives for quick assistance with any card-related issues.
Binance Card Mobile App
Available for both Android and iOS, the Binance Card app allows you to track your purchases, review transaction histories, and receive instant alerts whenever the card is used. The interface is straightforward and designed to make spending with crypto as smooth as possible.
Pros of the Binance Card
- Cashback rewards up to 8%, especially attractive for BNB holders
- Supports more than 50 cryptocurrencies
- No monthly or issuance fees
- Seamless integration with your Binance wallet
Cons of the Binance Card
- Not available in several U.S. states
- Fewer crypto-to-crypto trading pairs compared to some competing platforms
4. Crypto.com Visa (MCO) Card: Premium Rewards for Travelers and Crypto Investors
The Crypto.com Visa Card, formerly known as the MCO Card, is one of the most popular metal prepaid cards in the crypto market. Issued by Crypto.com, a Hong Kong–based fintech company founded in 2017, the card offers a broad range of perks designed for both frequent travelers and everyday crypto users. From cashback rewards to premium subscription benefits, the card delivers strong value—especially for users who stake CRO tokens within the Crypto.com app for a six-month period.
The card is compatible with all digital wallets available in the app, giving users flexibility in choosing how they manage their crypto funds.
Key Features of the Crypto.com Visa (MCO) Card
Crypto.com provides five different card tiers—Midnight Blue, Ruby Steel, Jade Green/Royal Indigo, Icy White/Frosted Rose Gold, and Obsidian Black. Each tier offers its own set of benefits, with higher tiers providing more rewards in exchange for a larger CRO staking amount.
Cashback rewards range from 1% to 8%, depending on your card level and the amount of CRO you have staked. In addition to cashback, cardholders can enjoy reimbursements on popular subscriptions such as Spotify, Netflix, and Amazon Prime, plus travel discounts of up to 10% on platforms like Expedia and Airbnb.
Users who maintain their CRO stake can also unlock airport lounge access, making the card especially appealing for frequent flyers. With no issuance fees and support for contactless payments, the Crypto.com Visa Card is easy to use in everyday situations.
Crypto.com Card Fees
- No spending fees and no international transaction fees
- No monthly charges, no minimum deposit, and no maximum deposit
- Free ATM withdrawals up to $200 per month, followed by a 0.2% fee
- Unlimited foreign currency spending with zero FX fees
Security and Protection
Crypto.com prioritizes user protection and regulatory compliance. The platform provides FDIC insurance up to $250,000 for fiat funds and secures all crypto assets using 100% cold storage, enhanced by two-factor authentication.
Through a partnership with Ledger, one of the world's most trusted hardware wallet providers, Crypto.com ensures that customer assets remain secure against digital threats.
Customer Support
Users have access to a responsive support system via live chat on the Crypto.com website and mobile app. The help center also contains detailed articles that cover card usage, staking requirements, and troubleshooting.
Crypto.com Card Mobile App
The card integrates seamlessly with the Crypto.com app on Android and iOS. You can monitor your spending, check your balances, manage your card settings, and oversee your entire digital wallet—all from a single interface.
Pros of the Crypto.com Visa Card
- Cashback rewards ranging from 1% to 8%, depending on your card tier
- Earn at least 1% cashback even without CRO staking
- Subscription rebates for Spotify, Netflix, and Amazon Prime
- Travel perks including discounts and airport lounge access
- No monthly fees or international transaction fees
- Easy-to-use app and contactless payments, ideal for beginners
Cons of the Crypto.com Visa Card
- Maximum rewards require staking CRO for six months
- Staking requirements may influence liquidity and short-term investment strategy
- Users with high-reward traditional cards may not find the MCO rewards competitive
5. Nexo Card: Spend Your Crypto Without Selling It with Cashback
Nexo Card is a crypto-backed debit card powered by Mastercard that lets you spend digital assets without selling them. Launched in 2017 by the trusted Nexo platform, the card links directly to your Nexo account, giving you easy access to your funds without relying on traditional banks. It is particularly attractive for investors who want to use their cryptocurrencies in daily transactions while earning rewards, including up to 5% cashback on select purchases.
Key Features of the Nexo Card
The Nexo Card can be fully managed through the Nexo Wallet app, which allows you to freeze or unfreeze the card instantly if it’s lost or stolen. Users receive real-time notifications for every transaction and can create virtual cards for safer online shopping. Payments are processed in local currency, eliminating additional conversion fees, and a flat 2% cashback applies to all purchases. The card is accepted at over 40 million merchants worldwide, just like a standard debit card.
Fees and Limits
Nexo keeps fees minimal and transparent. There are no maintenance or transaction fees for spending or transferring from an exchange wallet to your Nexo account. ATM withdrawals are free within certain limits, depending on Nexo’s policy, and linked crypto savings accounts have very low associated fees.
Security
Nexo prioritizes security with 256-bit military-grade encryption and continuous monitoring to detect fraudulent activity. Its multi-layered protection ensures user assets are safe, while advanced monitoring and fraud prevention mechanisms add an extra layer of security.
Customer Support
Nexo offers 24/7 customer support via email (support@nexo.io) and live chat. A detailed help center is also available, providing guidance for card usage, virtual card setup, and other platform features.
Mobile App
The Nexo Wallet app, available on Android and iOS, allows users to manage their card, track transactions, request virtual cards, and oversee their digital assets from mobile or desktop.
Pros of the Nexo Card
- Spend cryptocurrency without selling it
- Cashback rewards of up to 5% on select purchases and 2% on all purchases
- Accepted at millions of merchants worldwide
- Virtual cards for secure online shopping
- Competitive interest rates (6–12%) on linked crypto and fiat balances
Cons of the Nexo Card
- Best suited for current Nexo users
- Early access may limit availability in some regions
- Primarily designed for users leveraging crypto-backed loans, which may not suit everyone
6. Bitpay Card: Bridging Crypto and Cash for Easy Spending
The Bitpay Card is a crypto-backed prepaid card issued by Bitpay, a platform founded in 2011 to manage Bitcoin and other cryptocurrency payments. The card is designed to bridge the gap between digital and traditional currencies, allowing users to spend, pay bills, and withdraw cash easily, both online and in stores. Since June 2020, the card has been issued through Metropolitan Commercial Bank and is currently available for use within the United States only.
Key Features of the Bitpay Card
The Bitpay Card allows seamless management of Bitcoin through the Bitpay Wallet app, enabling users to convert crypto to dollars and pay directly with the card. A virtual card option is available for secure online transactions. Cardholders can also access ATM withdrawals up to $60,000, providing significant flexibility in managing their funds. Payments are accepted anywhere in the U.S., whether online or in-store using a PIN.
Fees and Limits
- Card issuance or replacement: $10
- ATM withdrawals: $2 per transaction
- Foreign currency conversion outside the U.S.: 3%
- No monthly maintenance fees or fees for loading Bitcoin onto the card
Security
The Bitpay Card features EMV chip technology for enhanced security, allowing users to lock the card and control how it’s used. The Bitpay Wallet app provides comprehensive tools for managing and securing digital assets and monitoring all transactions in real time.
Customer Support
Support is accessible via the Help Center on the Bitpay website, offering FAQs and pre-filled forms for common questions. Users can also reach the support team via live chat for any card-related inquiries or issues.
Mobile App
The Bitpay app, available on Android and iOS, allows users to activate the card, set a PIN, and fully manage the card directly from their mobile device. The app makes it easy to track transactions and manage funds securely.
Pros of the Bitpay Card
- No fees for loading Bitcoin, making it easy to convert crypto into cash
- Available for use in all 50 U.S. states
- Large ATM withdrawal limits up to $60,000
- Virtual card option enhances online security
Cons of the Bitpay Card
- $10 fee for card issuance or replacement
- Limited to U.S. use, no international spending available
- Supports Bitcoin only, with no cashback or rewards on purchases
We have compared the key features of the top six Bitcoin cards to help you choose the best option for your crypto spending needs.
| Card Name | Card Type | Supported Cryptocurrencies (including Bitcoin) | ATM Withdrawal Fees | Cashback Rewards | Website |
|---|---|---|---|---|---|
| Coinbase Card | Visa | 9+ | 2.49% | Up to 4% | Link |
| Uphold Card | Mastercard | All coins available on Uphold | UK: £2.50 domestic, £3.50 international | 4% on crypto spend, 2% on fiat (XRP) | Link |
| Binance Card | Visa | 4 | Up to 0.9% | Up to 8% | Link |
| MCO (Crypto.com) | Visa | 90+ | 2% | Up to 8% | Link |
| Nexo Card | Mastercard | 20 | Not available | 2% | Link |
| Bitpay Card | Mastercard | 8 | $2.50 | None | Link |
This comparison highlights differences in card type, supported cryptocurrencies, ATM fees, and cashback rewards, making it easier to select a card that matches your spending habits and crypto investment strategy.
Best Bitcoin Cards: Conclusion
Each Bitcoin card comes with its own set of advantages and drawbacks, so the best choice depends on your spending habits and financial goals. The Nexo Card stands out for its low fees and ability to spend crypto without selling your assets, making it ideal for users seeking ease of use and cost efficiency. Uphold Card is especially suited for residents of the UK, offering the flexibility to choose which cryptocurrency to spend.
Binance and BlockFi cards offer some of the highest cashback rewards, with returns ranging from 1.5% to 3.5% per month, making them perfect for investors looking to maximize additional income. The MCO Visa Card (Crypto.com) is popular for supporting over 90 cryptocurrencies, along with extra benefits on subscriptions and travel services. Meanwhile, the Coinbase Card simplifies digital asset management with automatic crypto-to-fiat conversion at the time of purchase.
For U.S. residents, the Bitpay Card is the most practical option, accepted across all 50 states for in-store, online purchases, and ATM withdrawals.
Ultimately, the right Bitcoin card depends on your spending style and investment objectives. Whether you prioritize cashback rewards, variety of supported cryptocurrencies, ease of use, or security, there is a card tailored to your needs.