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
3% cashback in wETH on the first $2,000/month, 1% on $2,000–$3,000, 0.5% above $3,000. Paid monthly. cashback · $0 annual fee · —+ currencies
| Feature | ether.fi CashWinner | Plutus Card | Bybit Card |
|---|---|---|---|
| Card Type | credit | debit | debit |
| Network | visa | visa | mastercard |
| Annual Fee | $0 | $— | $0 |
| Conversion Fee | 0.2% fiat-to-crypto conversion fee. | 1.75% fee on crypto-to-fiat exchange (ETH/PLU to card balance). Free on higher plans. | 0.9% on crypto-to-fiat conversion at point of sale |
| FX Fee | 1% foreign exchange fee on all non-USD transactions. | 2.5% on all non-domestic transactions. Domestic GBP/EUR spending is free. | 0.5% in EEA/Switzerland. 1% in Australia. Up to 7% in Argentina. |
| ATM Fee | 2% per withdrawal. $250/day limit. Max 3 attempts per day (failed attempts count). | ATM fees apply (exact amount varies). No free ATM allowance on any plan. | 2% |
| Cashback | 3% cashback in wETH on the first $2,000/month, 1% on $2,000–$3,000, 0.5% above $3,000. Paid monthly. | 3% base cashback in PLU/PLUS on eligible spend up to £250/month. Zero cashback above the cap. | ~2% at base level, up to ~10% at highest VIP tier. Paid as Rewards Points convertible to crypto. |
| Entry Type | free | subscription | free |
| Supported Currencies | — | 2+ | 7+ |
| Availability | United States, United Kingdom & EEA | United Kingdom, European Economic Area | EEA (most countries), France, Romania, Norway, Switzerland, Australia, Argentina, Brazil, AIFC (Kazakhstan), Asia-Pacific (selected), Mexico |
| Visit | Visit | Visit |
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: 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: 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 →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.
