Crypto credit cards have pushed the adoption of cryptocurrencies as a method of payment like no other innovation. Holders of cryptocurrencies no longer need to use a bank account or store their value in fiat money. Instead, Crypto cards function as an effective connection between the crypto world and current economic practices. The owner holds his money in crypto until a purchase or payment is needed. That’s when the crypto credit card automatically converts the coins to fiat, often with very lucrative bonuses and cash backs! Here is a list of the top cryptocurrency Debit/Credit cards in no particular order.
Bitpay is one of the most popular crypto debit cards. It supports various cryptocurrencies such as BTC, ETH, XRP, GUSD, USDC, PAX, and BCH. This crypto card is powered by MasterCard, and is one of the best options for U.S. citizens. The card can be topped up from the Bitpay wallet. It supports eight fiat currencies. Bitpay’s currency exchange fees are 3% of the transaction cost, and a $3 extra charge if the card is used at an ATM outside of the US. More information about its fees can be found here.
Wirex is one of the most popular crypto debit cards in Europe. This VISA crypto card supports 10 cryptocurrencies: BTC, LTC, ETH, XRP, WAVES, WOLLO, DAI, NANO, XLM, and Wirex Tokens (WXT). When it comes to fiat currencies, Wirex Card supports EUR, GBP, and USD. Since it’s a VISA-card, users can use this card in any place that accepts VISA. The disadvantage of this card is that it is only available to users in Europe and Singapore.
The card charges are also not much high. It takes a £1.75/€2.25 ATM fee, and a £1.00/€1.20 monthly card support or maintenance charge. Wirex also offers zero fee SEPA transfers and supports SEPA Instant transfers. It takes a 1% fee on crypto deposits. More information about its fees can be found here.
WIREX offers a payback of up to 1.5% paid out entirely in Bitcoin. The digital payment company is planning a crowdfunder, allegedly offering its users to become “shareholders”.
The BlockCard is actually a Visa debit card, that works just like any other cryptocurrency card. It supports various cryptocurrencies such as BTC, BAT, BCH, DAI, ETH, LTC, PAX, XLM, TERN, USDT, TUSD, USDC, and XRP. One of the great advantages of this card is that its fees are pretty reasonable, with no deposit, exchange or withdrawal costs. The monthly fee is waived for users that spend at least $750 per month on the card, making it free for most of its users. No fees are charged before card activation. More information about its fees can be found here.
Additionally, BlockCard is also compatible with ApplePay, Google Pay, and blockcard Samsung Pay. Crypto payback is up to 6.38%. The BlockCard is currently available only in the US, but will be made available in 31 countries soon.
4-MCO VISA card
The MCO Visa Card is a crypto card offered by crypto.com , previously known as the Monaco Card. It is available in the U.S., Europe, as well as many countries in the APAC region (Asia-Pacific). The MCO crypto debit card currently supports the following cryptocurrencies: BTC, ETH, LTC, XRP, MCO, BAT, BNB, TUSD, and ENJ. When it comes to fiat currencies, the MCO crypto card supports payments in GBP, HKD, EUR, JPY, SGD, and AUD. This crypto card has no issuance charges and no monthly fee. More information about its fees can be found here.
Crypto.com recently announced its discontinuation of the MCO token in favor of its CRO token. Users in possessions of the former have until the 2nd of November to exchange it for the latter.
Coinbase Card is a Visa debit card that enables users to quickly and promptly spend the funds from cryptocurrency wallets in their Coinbase account. It can be used anywhere Visa is accepted, both for online and offline payments. It supports various cryptocurrencies such as BTC, BAT, BCH, ETH, DAI, LTC, XRP, XLM, REP, and ZRX.
This crypto debit card is available in 28 European countries. The issuance fee is EUR 4.95. ATM withdrawals are free up to 200 EUR or 200 GBP, after which a fee of 1% is charged. The ATM fee is between 2.69%-5.49%. More information about its fees can be found here.
The Binance card is one of the all singing-all dancing wizards of the cryptocurrency world. According to its website, with the Binance Visa Card, users can spend their cryptocurrencies at more than 60 million merchants worldwide. They simply have to transfer crypto from their wallet to their card wallet. Binance Card supports four cryptocurrencies: BTC, Swipe’s native SXP token, as well as Binance’s native token BNB and native stablecoin BUSD.
Binance crypto debit card is availabe in the EEA (European Economic Area) with more countries to be added soon. The use of the Binance Card is completely free. It doesn’t charge any subscription or maintenance fees and one of the great features is that the payments in EURO are also completely free of charges! This crypto debit card offers cash back up to 8%(!) which depends on the 30-days average BNB holdings. More information about its fees can be found here.
The Swipe crypto debit card allows users to purchase, sell, and spend their cryptocurrencies. Swipe.io enables users to transfer crypto into their Swipe Wallets, which permits users to spend those assets in fiat currencies while using regular Visa debit cards. The card also has a service token (SXP), which can be utilized as a tool for paying for the service.
Swipe was recently acquired by Binance. Binance also launched crypto debit cards for its EU and UK consumers. The card charges no inactivity or ATM fees. Ordering the card is also completely free. It’s available in the USA, Canada, Singapore, Australia, as well as 28 European countries. More information about the Swipe card fees can be found here.