Top 10 Credit Card to Spend Crypto

The main objective of the cryptocurrency industry is mainstream adoption. To achieve that, the niche needs to expand in different verticals. First, it needs to start supporting the traditional financial tools we use every day, such as credit cards. Crypto credit cards can play a vital role in driving increased public adoption. Thus allowing people to pay directly with crypto in stores and online and become more acquainted with the technology.

There are numerous benefits attached to crypto credit cards like low conversion fees if you are in a foreign land and also the removal of reliance on the traditional bank for access to cash. 

Due to the rising popularity of cryptocurrency and the numerous benefits of crypto cards, various payment networks are now looking into unveiling their crypto credit cards. While on other hand, popular payment networks like MasterCard and Visa are also bringing crypto to their network. This simply means more popularity to cryptocurrency. But before that actually happens, there are companies that offer to spend crypto with a card through their platforms. 

Let us look at these companies and their crypto cards. 

Top 10 Credit cards to spend crypto: Visa Card

The is made in Monaco (CRO) visa card was one of the first in the market when it was unveiled in 2018 in Singapore, and is being widely used globally. The platform offers its clients access to five different types of Visa crypto cards. However, all card deposits are made in the CRO token. And depending on the type of card a user chooses; he is offered different perks and terms. For example, the entry-level card comes for free, and it doesn’t require users to deposit any CRO token. But the rest of the options require deposit ranging from 50, 500, 5000 or 50,000 CRO. The card comes with 100% cash backs on Netflix, Amazon Prime and Spotify subscription. It also offers free ATM withdrawals, better exchange rates, 10 % cashback on Airbnb bookings, etc. The’s visa card can be used for payment in more than 40 million merchants worldwide.

Binance Visa Card

binance card

The Binance VISA card was announced early March 2020 but then was formally shipped on 15 December 2020. So far, the card can be gotten in over 30 European countries, including France and Germany. Contis Financial Services LTD was the former issuer of the card, authorized by the financial conduct Authority to issue e-money (Firm Reference Number: 900025) and is a VISA member. The card supports BNB, BUSD, BTC and SXP cryptocurrencies. Also, it supports the EUR fiat currency (cards in other continents support those countries fiat currencies). And there are no monthly fees, no issuance fees and no minimum deposit limits for people using the card. However, the system rewards people using the card in the form of cashback – which gives you back a certain percentage of what you used the card to pay in the form of BNB token. The more BNB you hold on Binance, the more cashback you get (up to 8%).

Coinbase Card

coinbase card

Coinbase launched their crypto debit card in April 2019 named “Coinbase Card“. The card is available in the UK and other European countries. The Coinbase card is a Visa debit card which is linked to your Coinbase account. It allows users to spend the fund that is already in their account. The users are charged a £4.95 or €4.95 physical card issuance fund when they want to obtain the card. The transaction fees apply based on your country (although it has a 2.49% cryptocurrency exchange fees) The card supports buying things online with BTC, ETH, LTC, XRP, BAT, REP, ZRX, XLM or BCH that is stored in your online Coinbase account. However, if you are from the UK/EU, they also support COSMOS, ZEC and OXT. 

If you refund a purchase when using the card, your fund will be deposited back into your cryptocurrency account using the fiat cryptocurrency exchange rate. If there are chargeback issues, the customer pays $20 processing fees, and you will also be refunded the fiat value of your purchase. However, if you are in the UK, you can earn 1% cashback in BTC or 4% cashback in XLM when you use the card.

Wirex Visa Card

The payment platform Wirex offers a multi-currency Visa card that allows its users to exchange over 13 crypto and traditional currencies such as BTC, ETH, LTC, XRP, WAVES, WLO, NANO, XLM, WRX, etc. The traditional currencies include AUD, CAD, CHF, etc. The card allows users to store, transfer and exchange between cryptocurrencies (e.g., BTC) and fiat currencies (i.e., EUR, GB and USD). The card rewards users in Bitcoin for every in-store purchase and permits the holders the power to use the cryptocurrencies in their account for everyday payments. The card comes free as there are no issuance fees attached to it. You can also use the card in over 40m+ outlets around the globe – both online, ATM and in-store. 

A feature in the card called the cryptoback allows cardholders to earn up a 1.5% cashback in BTC on all in-store purchases. Wirex charges a monthly card maintenance fee of £1. 

BitPay Mastercard

bitpay card

Launched in the USA in June 2020, the prepaid MasterCard allows its holders to make instant and seamless crypto transactions. With the BitPay card, users can make instant reloads with no conversion fees at a competitive exchange rate. Also, holders have the flexibility to see their balances, request for a new pin and reload instantly via the BitPay App. The platform charges a $10 issuance fee and $2.50 ATM fees. It supports BTC and BCH and will likely support other cryptocurrencies in future.

 In terms of fiat currencies, BitPay only supports USD for now. One unique thing is that the process of getting the card is straightforward. You can get the app in google play store or App store and load the BitPay wallet in the app, and you then ask for a card to be issued. The daily loading limit is $10,000, which is also the daily spending limit. Presently, the card does not reward cardholders. 

Swipe Visa 

swipe cards

The swipe Visa card is one of the three major products from the crypto platform. The card comes in four tier-based models (Saffran, Sky, Steel, Slate) which comes with real-time security features. The card can be used in over 50 million retail locations worldwide and allows for zero foreign transaction fees for selected users. It is also integrated with Samsung pay, google pay and Apple pay and gives users up to 5% cashback rewards. It gives 1 – 5% cashback on all purchases made; 100% cashback on Spotify, Netflix, Apple Music, Hulu and Amazon Prime.

 However, the card issuance fee is a bit high between $25 – $50 in addition to the potential staking cost. Also, the foreign transaction fees are only free for steel, and slate users and holders must stake SXP token (the swipe platforms traditional token) to gain most significant cashback rewards. The ATM fees are charged depending on the ATM providers. Currently, it supports the following cryptocurrencies; BTC, BCH, ETH, LTC, XRP, SXP XLM.  

Other Upcoming and Promising Crypto Cards include; 

FTX Card

The FTX cryptocurrency exchange was launched in February 2019 in Antigua and Barbuda. Due to the platforms focus on derivative trading, the platform is widely known as a derivative exchange. A derivative is an instrument priced based on another asset’s value (usually bonds, stocks commodities, etc.). Recently, the exchange announced that they would be launching there FTX card soon. With the card, holders can make purchases online using the funds in their wallet. Although the exchange can best be described as an entry-level exchange, we hope that the card will come with excellent features. Similar to Binance card, FTX card is also powered by Swipe. 

BlockFi Card

BlockFi is a cryptocurrency lending platform that allows users to earn up to 8.6% percent of your cryptocurrency deposit annually. Another unique feature of the platform is that it allows you to borrow against your coin. That is, you can take your coin as a loan instead of selling it when you need funds. This avoids having to sell into a down market. The platform announced in December 2020 that it was launching a Bitcoin rewards Visa credit card in early 2021. The BlockFi Visa card will earn you rewards in Bitcoin. You can earn up to 1.5% rewards rate in BTC for all card purchases with the card. Also, you are eligible to earn a bonus of $250 in BTC after spending $3,000 or more within the first three months of using the card. We are hoping that the card will come with unique features. 

Gemini Card

Gemini cryptocurrency exchange company has announced that they will be launching a Gemini credit card that works like a regular credit card later this year. This effort to launch the card has been boosted with its acquisition of Blockrize. A fintech startup that has been building a credit card with cryptocurrency rewards.  The card will earn you a reward on Bitcoin based on your purchases. The credit card will work like every other credit card and will be available in the USA. It will allow customers to earn up to 3% rewards in bitcoin and also to earn other crypto assets as well. Those rewards will be deposited in the users Gemini wallet. 

In preparation for the card’s launch this year, Gemini has opened the Gemini credit card waitlist – providing its customers and those on the Blockrize waitlist with early access. 


The NEXO prepaid card, issued by Mastercard allows customers of the top service provider to access their credit in a matter of seconds. The card can be accessed and managed right from the Nexo mobile app, which allows for card blocking/unblocking, virtual card creation, pin change, real-time transaction monitoring, etc. The card doesn’t charge for transaction fees, account maintenance, inactivity or other fees. Instead, it rewards users with 2% cashback on all cryptocurrency purchases made. Nexo accepts 23 different cryptocurrencies in its wallet, including Bitcoin, Ethereum, Litecoin, EOS, Stellar, BCH, Cardano, Ripple and NEO, etc. The card is accepted by over 40 million merchants’ worldwide. 

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Written by:  Narender Charan

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