Due to several banking limitations on cryptocurrency transactions, cryptocurrency debit and credit cards are now reliable. However, nearly all of them enable you to instantaneously convert cryptocurrency to money, withdraw cryptocurrency as fiat at ATMs, and make purchases at merchant outlets that accept Visa and MasterCard using cryptocurrency.

Here is the list of 16 Cryptocurrency Credit Cards:

1. Crypto.com

At the beginning of July 2021, Crypto.com had approximately 10 million users worldwide, supporting over 100 cryptocurrencies. If the metal prepaid Visa card is used to buy cryptocurrency, users can get 8% back on their purchases.

The card can also be topped up with money in addition to cryptocurrency. The business takes more than 20 fiat currencies. It is compatible with 40 million retail stores, ATMs, and Points of Sale that display the Visa logo globally.

Key Features:

• Has the option to use the cryptocurrency card to make purchases from Netflix, Spotify, Expedia, Lounge, Expedia, Airbnb, and Prime.

• The ability to stake CRO, the platform token of crypto.com, for profit using the card and receive cashback on purchases of between 1% and 8%.

• Allows for a maximum of 5 alternative card designs, each with varied CRO staking payouts. These cards have stake requirements ranging from $0 to $400,000.

• CRO holders are not charged any monthly or yearly fees.

• There is also a mobile app.

2. Gemini Crypto Credit Card

The cryptocurrency credit card has not yet gone live but may this summer. It will be accessible to everyone on the globe and linked to MasterCard. Unlike other crypto cards that block real-time incentives for transactions, Gemini offers real-time benefits when buying Bitcoin or other cryptocurrencies on Gemini.

A maximum of 3% cashback is available on dining expenses, 2% on groceries, and 1% on other purchases. Gemini will offer 30 coins for loading. WebBank is the online lender that issues the card.

Key Features:

• Instant deposits of up to 3% in cash back into the user's Gemini account.

• Has an accompanying management app for iOS and Android. May track spending, instantaneously freezes the card via the app, etc.

• After acceptance, the credit card number may be accessed in-app using Apple Pay or Google Pay.

• Cards are made of rose gold, silver, and black metal.

• Offers live agent service 24 hours a day. Access to the card very immediately following the application.

3. Swipe Visa card

3 Cards that make up the Swipe Visa debit card include a dual interface for NFC and EMV functionality. As a result, customers can select from four possible card levels—Saffron, Sky, Steel, and Slate—each of which has a different reward percentage.

Cashback is available to customers who purchase from Netflix, Apple Music, Hulu, and Amazon Prime. Uber, Starbucks, and Airbnb benefit from increased travel cashback rewards.

The $25 base card is not required to be used to stake the tokens. You are given 1% in Bitcoin back. Sky offers 2% cash back and demands a stake of 300 SXP. If you pick the Steel option, which provides 4% cashback, you must bet 30,000 SXP to obtain the card.

Key Features:

• Users may use the card to make purchases using Apple Pay, Samsung Pay, and Google Pay integration.

• Receive 1-5% Cash Back. 10% to 100% on particular goods.

• There is no fiat loading option.

• Supports seven cryptocurrencies that may be placed onto the card for use while making purchases.

  
  

4. SoFi Credit card

For various purchases, SoFi Credit cardholders can earn incentives. At the moment, it only supports Bitcoin and Ethereum.

Key Features::

• Earn two points for every dollar spent, and you may use one point for every penny by adding it to the SoFi account.

• Get a SoFi credit card after creating a SoFi Money or Invest account and earning $100.

• With this card, you may get 2% cash back on purchases.

• When you pay the minimum amount due on time each month for 12 months, the APR is reduced by 1%.

• Depending on the creditworthiness, the annual percentage rate, or APR, for purchases ranges from 12.99% to 24.99%. APR on balance transfers ranges from 12.99% to 24.99%. APR for cash advances is 26.99%.

5. BlockFi Bitcoin Rewards Credit Card

The BlockFi credit card will be on sale in Q2 2021 when it ships to US citizens in eligible states. With this credit card, you may spend the cryptocurrency and receive rewards while reinvesting the cashback you receive.

If you maintain stable coin assets on the BlockFi Interest Account (BIA) account, you may use the credit card to earn up to 2% APY. You cannot exchange the earned Bitcoin rewards for incentives in other cryptocurrencies, and because the awards are not instant, you cannot time the gains to coincide with a rise in the price of Bitcoin.

Key Features:

• You receive 1.5% cashback in Bitcoin on all purchases.

• For spending US$3,000 in the first three months, they will give you US$250 in Bitcoin as a welcome gift.

• After 4 to 6 months of card ownership, get up to 3.5% more in rewards. Once the card is accepted, you can obtain the 3.5% Bitcoin rewards rate for the first 90 days. Additionally, if the annual spending exceeds $50,000, you can receive 2% of the money back in Bitcoin. Receive monthly benefits to the BlockFi account.

• Potential for increased interest in recommending friends. Earn $30 in bitcoin for each customer you suggest.

• Allows for the withdrawal of any cryptocurrency in the form of money at any VISA retailer, outlet, or ATM.

• No credit checks are performed to determine eligibility.

6. Wirex Visa Card

The Wirex Visa Card enables users to manage fiat and cryptocurrency accounts and carry out direct crypto-to-fiat exchanges. Users can receive cashback incentives when they use their cards to make purchases or make purchases. You may use this card to manage multi-sig accounts.

Key Features:

• On every purchase made with the card, receive 2% cashback. WXT, the platform native token that can be exchanged for any cryptocurrency, is used for cashback payments.

• Allow daily ATM withdrawals of up to S$1400 and top-ups of S$2500 for debit and credit cards.

• Provide in-app notifications. Transactional history tracking is possible with the app.

• Supports more than 150 national currencies and 36 cryptocurrencies at the moment.

• You may save up to 3% on international transactions by promptly changing cryptocurrency to local cash at merchant outlets and ATMs.

• 10 USDinWXT in commissions for referring friends.

  
  

7. Nexo MasterCard

Users of the Nexo MasterCard physical cryptocurrency credit card can borrow up to US$2 million against their cryptocurrency holdings.

You use the cryptocurrency you now have in the wallet to secure or insure the loan. Thus, you may only accept a loan whose value is lower than the value of the cryptocurrency holdings. Avoid selling cryptocurrency and closing the position. Currently, it supports over 20 coins.

Key Features::

• Earn 2% cash back rewards while using the card to make purchases or spend money.

• Has a mobile app for iOS and Android that lets you manage the card, such as freezing it and setting notifications for all transactions. Change the ATM pin if necessary.

• Establishing an account, completing KYC, and adding cryptocurrency to the wallet are requirements for applying for a loan. You are already eligible for it.

• Able to pay loan interest in fiat or cryptocurrency.

• Universally acknowledged Around the world, 40 million merchants, retailers, and ATMs accept MasterCard.

• For safer online card use, create virtual cards.

8. Crypterium Visa Crypto Card

Crypterium offers digital and physical prepaid debit cards, which may be filled with cryptocurrency via the Crypterium wallet. You may use them to exchange cryptocurrencies for fiat and then use that money to make purchases of goods and services at any location that accepts VISA, including thousands of worldwide merchant outlets and ATMs.

The virtual card may be obtained immediately, not after days. It is a sizable network that issues more than 30 000 cards and handles more than 1 million monthly transactions.

Key Features::

• Can withdraw $2,976 with the VISA card each month. Over 42 million businesses worldwide provide online and physical shopping, and there are over 200 nations where you may withdraw cash. The maximum daily load is €5000.

• Integrates with ApplePay as well.

• Touch ID, 3D Secure, quick lock/unlock for the card from the Crypterium wallet, SMS code, secret phrase verification, two-factor authentication

• 3 different sorts of cards: plastic, virtual, and the entire pack.

9. Coinbase Visa Card

The automatically-released Coinbase Card is a plastic debit card that lets users spend any cryptocurrency in their portfolio and receive rewards for each transaction. Anyone may use the card to spend cryptocurrency anyplace. Users may earn up to 4% cashback on transactions made with their Visa debit card, which is approved.

Key Features::

• No yearly, initiation, or monthly fees.

• Automatically translates all cryptocurrencies to US dollars, enables payments at stores, and performs withdrawals from ATMs with the Visa brand.

• Instant card freezing, two-step verification for top-notch security, PIN protection, or contactless withdrawals are all ways to safeguard cryptocurrency.

• Receipts for transactions, summaries of expenditures, and real-time transaction notifications through the app.

• Spending with the card earns 4% back in cryptocurrency rewards.

10. eToro Money Card

With an eToro Money account, a Bitcoin debit card is available called the eToro Money card. The account and the card are free of yearly fees, but you will be responsible for paying ATM fees and other transaction costs.

Key Features::

• The complete trading platform eToro is available to cryptocurrency enthusiasts.

• You may replenish the account by taking funds directly from the trading platform using instant transfers. After that, you may use the card to buy anything anywhere on the globe.

• You can track transactions and even make bank transfers using the related app.

• The account may be utilized to handle cryptocurrency while making regular transactions.

11. Binance

One of the biggest cryptocurrency exchanges in the world, Binance, offers users of its crypto Visa card continuous access to digital cash.

Key Features:

• This cryptocurrency Visa card is only functional when connected to a Binance account.

• This is probably the ideal Bitcoin debit card for you if you already have an account and are located outside the United States.

12. Venmo Credit Card

The Venmo credit card offers a function called cashback to Crypto that allows users to automatically buy cryptocurrencies with cash-back rewards they have earned from using their card. A modest spread (or margin) between the price of cryptocurrency on the market and the current exchange rate will be charged by Venmo.

Key Features:

• There are four types of cryptocurrency: bitcoin, Ethereum, litecoin, and bitcoin cash. It will then be possible for users to sell and hold their cryptocurrency using Venmo.

• You don't have to pay an additional transaction charge if you choose the option for the cashback to be purchased automatically when you use cryptocurrency. But each monthly transaction will have a spread that will change the coin's value.

13. BitPay Mastercard

This Bitpay debit card is not only one of the most significant cryptocurrency debit cards on the market right now, but it is also associated with a respectable crypto player. BitPay has assisted traders in making the most of their Bitcoin since 2011. Owners may utilize their Bitcoin holdings daily with the BitPay Mastercard, which functions in tandem with the BitPay Wallet.

Key Features:

• The $10 one-time price for the card applies to all 50 states, and it is widely accepted.

• Adding more Bitcoin to the card costs nothing, and there are no monthly fees.

• Remember that the BitPay Mastercard can only be used to purchase Bitcoin; it cannot be used to purchase other cryptocurrencies.

14. SALT Card

The SALT card, in contrast to current choices, will let users utilize cryptocurrency assets as collateral for loans. This makes it one of the top cryptocurrency credit cards for users who desire a greater credit limit and have a sizable quantity of digital currency.

Key Features:

• Crypto fans are registering in droves for the queue for the card even though no release date has been announced.

• The SALT Credit Card will provide bitcoin as an incentive for making purchases, similar to some of the other leading cryptocurrency credit cards around the globe.

• One of the most significant cryptocurrency credit cards will soon be available, thanks to SALT, a well-known lending firm in the cryptocurrency community.

15. Celsius Credit Card

Cryptocurrency fans have eagerly anticipated the launch of Celsius's new Bitcoin credit card for months since the firm has long been a pioneer in decentralized finance. It will function as a crypto Visa card that can be used for ATM withdrawals and purchases throughout the Visa network.

Key Features:

• Flexibility is a priority for this Bitcoin credit card.

• Stablecoins, fiat currency, or the crypto rewards from the card will all be accepted as payment methods for cardholders.

• Celsius will not charge any yearly fees, ATM fees, or even late payment costs.

• There is a queue for those who want the Celsius Credit Card, which is scheduled to launch sometime in 2022.

16. Voyager Mastercard

Voyager has made the decision, like many other cryptocurrency exchanges, to provide consumers with a crypto debit card. Even for a Bitcoin credit card, that kind of incentive rate would be remarkable, and it's nearly unheard of for a debit card. The Voyager Mastercard has no yearly charge and gives you access to ATMs worldwide.

Key Features:

• You can manage the cards using an intuitive interface, and you'll get routing and account numbers to make transactions easily.

• The Voyager Mastercard is undoubtedly one of the most significant crypto debit cards accessible for anyone with a Voyager account.

• Cardholders can get up to 3% on purchases made with the card.

• The Voyager Mastercard offers significant payback incentives, which is different from typical debit cards.

Things to Consider When Buying a Credit Card

Ease of use

An easy-to-use crypto credit card is necessary. After all, the idea of integrating cryptocurrencies with the established banking system is to make it as simple as possible to begin utilizing Bitcoin and other crypto assets for regular payments. Some cryptocurrency debit cards provide enticing rewards and perks schemes and novel, challenging crypto economic experiments. Finding a card that only enables the conversion of Bitcoin into a usable prepaid Visa card suffices for many people.

Security

It shouldn't be surprising that security is a crucial concern for anything in the bitcoin industry.

Unlike the conventional payment rails that most people have previously used, crypto assets operate differently. The most significant is that, in general, transactions done with Bitcoin and other cryptocurrencies are irreversible. This implies that if you forget the password or are hacked, there is no one you can call for assistance. This is why you must pick a bitcoin credit card that enables you to keep the cryptocurrency safely.

Rewards and Incentive

It should be mentioned that there are now very few incentives and prizes available for crypto credit cards. A few cryptocurrency debit cards offer cashback bonuses of 5% or more. However, these deals are typically accompanied by a demand to purchase and keep a significant quantity of a proprietary token. The number of programs that accept Bitcoin cashback incentives is still growing, but for the time being, it would be wiser to focus more on other aspects.

Reliability

Another major issue in the world of cryptocurrencies is reliability. The capacity to spend money might be crucial, particularly when undertakings like grocery shopping or rent payments.

When selecting a crypto debit card, you should make sure you're working with a reputable company since the last thing you want is to be unable to access the money.

Fees

Although fee structures shouldn't be the only factor you take into account when comparing various crypto debit cards, it's no secret that everyone wants to spend as little money as possible on expenses like processing fees and the cost of ATM withdrawals. Make sure you review the terms and services before deciding which card to buy because many different cost structures are utilized in the crypto debit card sector. If you've had trouble locating the fees for a specific card, the card issuer may attempt to conceal the actual cost of utilizing their services.

Features

As most crypto card providers are interested in perfecting the straightforward process of converting crypto assets into fiat currency held on a debit card before moving on to other features, the add-on features currently included in most crypto debit cards are somewhat limited.

App

At this time, having an app connected to a crypto credit card is essentially necessary. You need an app to manage everything while you're on the move if you want to be able to track the balance, transactions, and every other part of the crypto debit card at any time. One of the most valuable features available in crypto debit card apps today is the ability to freeze the card if lost or stolen immediately.

Availability

In the realm of crypto credit cards, accessibility is a significant problem because it seems like the laws governing cryptocurrency are constantly changing. Make sure the Bitcoin card is genuinely offered in the own country before you commit because it might be challenging to find one that is now accessible worldwide.

Conclusion

The bitcoin market is expanding rapidly. Many people, however, are unaware of how this works and what it takes to participate in this ground-breaking sector.

Because they enable consumers to make purchases with their cryptocurrencies without having to exchange their coins into fiat money first, cryptocurrency credit cards are growing in popularity daily.

This implies that you may use the cryptocurrency whenever you want as a form of payment without being concerned about losing money due to changes in exchange rates or other variables that could influence the value of the coins at any particular moment.

FAQs

Do I need to acquire a crypto card?

Regular cryptocurrency users are advised to utilize cryptocurrency debit or credit cards since they enable quick conversion of Bitcoin and other cryptocurrencies to fiat at merchant locations and ATMs that accept Visa and MasterCard.

Can Bitcoin Go Bust?

Even if Bitcoin's price fluctuates wildly based on market variables, it is currently more difficult to go to zero. Price changes in response to internet hype, supply, and demand. The cryptocurrency price has historically dropped over 80%, potentially highly unstable.

How does a cryptocurrency debit or credit card operate?

When applying for a debit or credit card from a company that offers cryptocurrency, you must first establish an account, provide identification, and deposit the requisite amount of platform tokens or cryptocurrency. Alternatively, you can apply for the card for free.

How Can I Get a Debit Card for Bitcoin?

Cryptocurrency exchanges often offer Bitcoin debit cards, and applying for one typically opens an account and a digital wallet. Some additionally demand that consumers undertake the Know Your Customer (KYC) verification process to confirm their identity.

Some cards also need purchases, with varying costs. Others cost $400, $4,000, or more and need you to invest in their proprietary token currency to receive better rewards.

Is it Safe to Use Bitcoin Debit Cards?

With sophisticated security features like two-factor authentication, biometric scanning, and mobile codes, most Bitcoin debit cards are as secure to use as most popular credit cards. Through a mobile app, cardholders typically may instantly freeze or cancel their card.

But other people believe Bitcoin debit cards to be less secure than offline digital wallets. Technically, maintaining money in mobile wallets or online exchanges and moving money from a wallet to the company that issues debit cards can raise the danger of cyber-attacks.