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
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. cashback · $0 annual fee · 3+ currencies
| Feature | Gnosis Pay CardWinner | ether.fi Cash | MetaMask Card | Deblock Card | Plutus Card |
|---|---|---|---|---|---|
| Card Type | debit | credit | debit | debit | debit |
| Network | visa | visa | mastercard | visa | visa |
| Annual Fee | $0 | $0 | $0 | $0 | $— |
| Conversion Fee | 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. | 1.75% fee on crypto-to-fiat exchange (ETH/PLU to card balance). Free on higher plans. |
| FX Fee | 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. | 2.5% on all non-domestic transactions. Domestic GBP/EUR spending is free. |
| ATM Fee | 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. | ATM fees apply (exact amount varies). No free ATM allowance on any plan. |
| Cashback | 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. | 3% base cashback in PLU/PLUS on eligible spend up to £250/month. Zero cashback above the cap. |
| Entry Type | free | free | free | free | subscription |
| Supported Currencies | 3+ | — | 9+ | — | 2+ |
| Availability | EU/EEA, UK, Switzerland, Argentina, Brazil | United States, United Kingdom & EEA | United States, Europe & UK, Americas (excl. US) | France | United Kingdom, European Economic Area |
| Visit | Visit | Visit | Visit | Visit |
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: 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 →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.
