We've tested and compared every major crypto card on fees, cashback rates, entry requirements, and everyday usability. Here are the cards worth your wallet.
Read our methodology →Our Top Pick
Up to 1% cashback on all eligible purchases, paid in GBP, EUR or Bitcoin at your choice. No monthly or annual cap. cashback · $0 annual fee · 400+ currencies
| Feature | Krak CardWinner | Gnosis Pay Card | ether.fi Cash | MetaMask Card | Deblock Card | Crypto.com Visa Card | Bybit Card | Brighty Card | Plutus Card | CL Card |
|---|---|---|---|---|---|---|---|---|---|---|
| Card Type | debit | debit | credit | debit | debit | prepaid | debit | debit | debit | prepaid |
| Network | mastercard | visa | visa | mastercard | visa | visa | mastercard | visa | visa | visa |
| Annual Fee | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $— | $0 |
| Conversion Fee | 0% explicit Kraken conversion fee. A variable spread applies when spending across assets (typically 0.3–0.5% vs interbank rate for crypto-to-fiat). | 0% from Gnosis. Only Visa FX spread applies on non-EUR/GBP transactions. | 0.2% fiat-to-crypto conversion fee. | 0–0.875% token fee depending on asset: 0% for local-currency stablecoins, 0.5% for non-local stablecoins, 0.875% for wETH. DeFi tokens free up to $1,200/month then 0.5%. | 1.99% on crypto buy/sell. 1.99% on same-chain swaps. 1.99% on cross-chain swaps. | Around 0.5% FX markup on non-EUR/GBP purchases after interbank allowance in Europe; structure varies by region. | 0.9% on crypto-to-fiat conversion at point of sale | Crypto-to-fiat conversion at ~1% all-in (conversion fee + spread). Exact fee schedule varies — check app for current rates. | 1.75% fee on crypto-to-fiat exchange (ETH/PLU to card balance). Free on higher plans. | 1.75% crypto-to-fiat conversion fee on every top-up/spend from crypto. |
| FX Fee | 0% FX fee from Kraken. Transactions abroad use standard Mastercard exchange rates (which include a small network spread of ~0.2–0.4% vs interbank). | 0% added by Gnosis. Visa network FX rate applies (~0.2–0.4% vs interbank). | 1% foreign exchange fee on all non-USD transactions. | 1% cross-border surcharge when paying merchants outside your cardholder country. | Free currency exchange up to €1,000/month, then standard rates apply. | FX markup applies above free interbank limit and for some currencies; check local fee schedule. | 0.5% in EEA/Switzerland. 1% in Australia. Up to 7% in Argentina. | FX fees from 0.3% on crypto-to-fiat. Fee-free currency exchange up to a limited monthly amount. | 2.5% on all non-domestic transactions. Domestic GBP/EUR spending is free. | 1.75% on cross-border transactions in a currency other than the card's base currency. |
| ATM Fee | 0% Kraken ATM fee. Third-party ATM operator fees may apply. | 2% per additional withdrawal | 2% per withdrawal. $250/day limit. Max 3 attempts per day (failed attempts count). | 2% per withdrawal (ATM operator may add its own fees). | Fees apply above €100/month free ATM allowance. | 2% above free monthly ATM limit | 2% | No free ATM withdrawals. Fees reported at ~6.2% of a €200 withdrawal (includes conversion + ATM fees). | ATM fees apply (exact amount varies). No free ATM allowance on any plan. | €3 per withdrawal + 1.5% of amount (UK: £2.50 + 1.5%). No free ATM allowance. |
| Cashback | Up to 1% cashback on all eligible purchases, paid in GBP, EUR or Bitcoin at your choice. No monthly or annual cap. | 1–5% on all card purchases, paid in GNO weekly. Tiers: 0.1 GNO = 1%, 1 GNO = 2%, 10 GNO = 3%, 100 GNO = 4%. Scales linearly between thresholds. +1% OG NFT boost. | 3% cashback in wETH on the first $2,000/month, 1% on $2,000–$3,000, 0.5% above $3,000. Paid monthly. | 1% cashback in mUSD on all eligible purchases. | No cashback on Standard tier. | No regular CRO cashback on Basic plan; may still earn promotional Rewards+ on specific campaigns. | ~2% at base level, up to ~10% at highest VIP tier. Paid as Rewards Points convertible to crypto. | 0.5% base cashback on all purchases, capped at $20 per month. | 3% base cashback in PLU/PLUS on eligible spend up to £250/month. Zero cashback above the cap. | 1% cashback in BTC or USDC (US) / BTC or USDT (other regions). 2% if you choose BXX (Baanx token). Paid monthly. |
| Entry Type | free | free | free | free | free | free | free | free | subscription | free |
| Supported Currencies | 400+ | 3+ | — | 9+ | — | 400+ | 7+ | 14+ | 2+ | 10+ |
| Availability | United Kingdom, European Economic Area | EU/EEA, UK, Switzerland, Argentina, Brazil | United States, United Kingdom & EEA | United States, Europe & UK, Americas (excl. US) | France | EU/EEA, United Kingdom, United States, Canada, Singapore & APAC, Australia & New Zealand, Brazil & LATAM (select), Switzerland & other Europe | EEA (most countries), France, Romania, Norway, Switzerland, Australia, Argentina, Brazil, AIFC (Kazakhstan), Asia-Pacific (selected), Mexico | European Economic Area | United Kingdom, European Economic Area | Europe & UK, United States, Americas (excl. US) |
| Visit | Visit | Visit | Visit | Visit | Visit | Visit | Visit | Visit | Visit |
Best for: UK and EEA crypto holders
Krak Card is the most transparent crypto debit card in Europe right now: zero transaction fees, zero FX fees, zero ATM fees from Kraken's side, and up to 1% uncapped cashback paid in your choice of local fiat or Bitcoin. It supports 400+ crypto and fiat assets with real-time conversion at checkout and comes at the Mastercard World Elite tier for free. The main limitations are UK/EEA-only availability, a custodial model, and uncertainty around post-promo cashback tiers after March 31, 2026.
Read Full Review →Best for: EU/UK stablecoin spenders
Gnosis Pay Card is one of the few truly self-custodial Visa debit cards on the market, letting EU, UK and Swiss residents spend EURe, GBPe or USDCe directly from a Safe smart account at any Visa merchant. With no card fees, no FX markup from Gnosis, and up to 5% GNO cashback for token holders, the economics are hard to beat — especially for on-chain natives already earning in stablecoins. However, limited geographic coverage, stablecoin-only spending, a complex onboarding flow and mixed customer support reviews mean this card is better suited to crypto-savvy users than complete beginners.
Read Full Review →Best for: ETH long-term holders
ether.fi Cash is the card for ETH long-term holders who want to spend without selling. Borrow against your staked ETH, keep earning restaking yield on your collateral, get up to 3% cashback in wETH, and avoid triggering a taxable sale — no other card does all four. The trade-offs: 1% FX fee on non-USD spending, 2% ATM fees, liquidation risk in Borrow Mode if ETH drops, and a loyalty-point system that rewards heavy users but can confuse casual ones.
Read Full Review →Best for: self-custody-maxis
MetaMask Card is one of the first truly self-custodial crypto debit cards, letting you spend stablecoins and wETH directly from your MetaMask wallet anywhere Mastercard is accepted without preloading to an exchange. The free Virtual tier gives 1% cashback in mUSD with simple setup, while the Metal tier (US-only for now, $199/year) adds a physical metal card, up to 3% cashback on the first $10k per year, no FX fees and free ATM withdrawals up to $1,200/month. The trade-offs are a complex token-fee matrix, region-limited Metal availability, and a curated token list, so it best fits active MetaMask users who already manage funds on-chain and want to spend them in daily life.
Read Full Review →Best for: French crypto users wanting a single app for banking + crypto
Deblock is the closest thing to a crypto-native Revolut we've tested: a French IBAN, Visa debit card, instant SEPA transfers and a non-custodial crypto wallet in a single app. The free tier is weak on cashback (0%) and crypto fees (1.99%), but the Premium (€10/month) and Native (NFT-gated) tiers unlock 0.49% or 0% crypto fees, up to 1% cashback, and Morpho-powered yield vaults. The limitation today is geographic — France only, with Germany and Ireland planned for 2026.
Read Full Review →Best for: Crypto.com power-users willing to stake CRO or pay Level Up subscription for better rewards.
The Crypto.com Visa Card is one of the most feature-rich crypto prepaid cards on the market, with up to 5% CRO cashback, subscription rebates and airport lounge access on higher tiers. However, the best perks require either a large CRO stake or an ongoing Level Up subscription, and rewards on lower tiers are heavily capped. Combined with custodial risk, declining CRO value, and frequent complaints about support, this card suits committed Crypto.com users more than casual newcomers.
Read Full Review →Best for: Existing Bybit traders who want to off-ramp without fees drama
The Bybit Card delivers genuinely strong cashback (2–10%) without requiring you to stake a volatile token — a real differentiator. But the tradeoffs are significant: only seven cryptos are supported for spending, conversion and FX fees stack up fast on non-EUR purchases, and availability across the EEA is uneven — some countries like France and Romania are technically available via Bybit EU but with feature restrictions that aren't clearly documented. It's a solid pick for existing Bybit users in supported countries who want an easy off-ramp. For everyone else, the limitations add up.
Read Full Review →Best for: EU-based digital nomads and crypto earners
Brighty is a solid crypto-fiat neobank for EU residents who want IBAN accounts, a Visa debit card and yield on crypto holdings in a single custodial app. The Earning Vaults (up to 10% APY, no lockup) are the standout feature. The card itself is decent but unexceptional: 0.5% cashback on the free tier capped at $20/month, up to 1.75% on Pro, with dynamic bonus categories that reward heavier spenders. The custodial model, modest cashback, and no free ATM withdrawals hold it back against the best crypto cards in Europe.
Read Full Review →Best for: UK/EEA domestic perk optimizers
Plutus offers the highest theoretical cashback rate among European crypto cards (up to 9%) and a perk system with 50+ brands (Netflix, Spotify, Aldi, Lidl, Uber, Amazon) that can offset subscription and grocery costs in practice. But the 2026 pricing overhaul removed the free tier, introduced a 2.5% FX fee, and capped eligible monthly spend at £250–£1,000 depending on plan. It's now a niche card for disciplined domestic spenders in the UK/EEA who actively manage perks and understand PLU tokenomics — not a general-purpose card.
Read Full Review →Best for: Ledger hardware wallet users
CL Card is built for one person: the Ledger hardware wallet user who wants to spend crypto without moving assets to an exchange. The 1% BTC cashback and Ledger Live integration sound good on paper, but the 3.75% combined fees on crypto-funded transactions (1.75% conversion + 2% spend fee) wipe out the rewards and then some. Unless you fund with fiat and spend domestically — in which case there are cheaper cards — the economics don't work.
Read Full Review →Every card in our comparison is evaluated across six core dimensions by our editorial team. We weigh each factor based on its impact on everyday usability and total cost of ownership.
Annual, conversion, FX, and ATM fees weighted by typical usage patterns.
Effective cashback rate across common spending categories.
Capital required, lock-up periods, and impact on reward tiers.
Number and variety of supported cryptocurrencies and fiat.
Geographic coverage and regulatory standing by region.
Platform certifications, insurance, and incident history.
Our reviews are editorially independent. We may earn a commission when you apply through our links, but this never influences our ratings or recommendations.
