Best Bitcoin Debit Cards of 2023 (2024)

Best Bitcoin Debit Cards

Best Bitcoin Debit Cards

Coinbase is our top overall choice for a Bitcoin debit card. You can use it anywhere Visa is accepted, supports up to eight different cryptocurrencies, and features robust security.

Founded in 2012, Coinbase is one of the most popular digital currency exchanges in the world. Its Coinbase Card lets cardholders spend their cryptocurrency anywhere Visa is accepted. Its support for multiple currencies, easy currency conversion, and top-notch security make it the best Bitcoin debit card overall.

Coinbase Card supports up to eight cryptocurrencies, including Bitcoin, Ethereum, and Litecoin, and requires cardholders to have a Coinbase account. The card automatically converts your preferred cryptocurrency in your Coinbase wallet on demand, so you don’t need to keep a fiat currency balance in your account.

Coinbase Card also offers a number of security and convenience features, including a mobile wallet app, two-factor identification, instant card freeze, spending tracking, and more. Cardholders can use their card to make online and in-store purchases and withdraw cash at any Visa-supported ATM in the world.

Residents of the U.K. and Europe must pay a £4.95 or 4.95 € issuance fee for a Coinbase Card, while U.S. residents can get the card for free. Coinbase also charges a number of fees, including a 2.49% cryptocurrency liquidation fee.

If you’re looking for a low-fee Bitcoin debit card, BlockCard is a great option. This card comes with minimal fees and doesn’t charge any deposit, exchange, or withdrawal fees.

Developed by financial technology company Ternio, BlockCard lets cardholders make purchases with their cryptocurrency of choice wherever Visa is accepted. It features a flat account management fee and no deposit, exchange, or withdrawal fees, putting it in top place as the best low-fee card.

BlockCard offers some of the lowest pricing we’ve come across. The company charges a $10 activation fee as well as a monthly administrative fee of just $5, which is waived if the cardholder spends more than $750 per month in non-cash transactions. BlockCard charges no deposit, exchange, or withdrawal fees and just $3 for domestic ATM cash withdrawals ($3.50 international).

To use BlockCard, cardholders must purchase (or “stake”) native Ternio tokens called TERN with USD or cryptocurrency, which is converted to fiat money during the time of purchase. The card supports over 14 cryptocurrencies, including Bitcoin, Ethereum, Litecoin, and Stellar Lumen. BlockCard also offers up to 6.38% back in cryptocurrency. At the time of writing, cardholders could get 6% back with a stake of 145,000 TERN, which would cost about $1,158.

Use the link on our page and get a $10 credit when depositing your first $100.

Wirex comes with lots of customer perks for cardholders. These include cashback of up to 8%, free ATM withdrawals, and the ability to earn interest on fiat, BTC, and ETH currencies.

Wirex is a digital payment platform established in 2014 that released a Visa-backed cryptocurrency debit card one year later. The card offers rewards in WXT and is our selection as the best for cardholder perks.

The Wirex card supports 150+ traditional and fiat currencies and nearly a dozen fiat currencies in Europe and a few Asian and Pacific countries, and U.S. cardholders pay no issuance, monthly, or withdrawal fees.

The Wirex card is one of the few cards to offer cashback rewards of up to 8% cashback in cryptocurrency. There is free standard delivery with no fees for maintenance or reissue of the card. Wirex Visa offers free ATM withdrawals up to about $400 per month.

Wirex has a new feature, X-Accounts which offers users the ability to earn up to 16% interest on fiat and up to 10% interest on BTC and ETH.

BlockFI Interest Accounts (BIAs) are no longer offered to new clients who are U.S. persons or persons located in the United States. Existing clients that are U.S. persons or located in the United States will be unable to transfer new assets to their BIAs. The BIAs have not been registered under the Securities Act of 1933 and may not be offered or sold in the United States, to U.S. persons, for the account or benefit of a U.S. person, or in any jurisdiction in which such offer would be prohibited.

BlockFi is a good choice for customers looking for a Bitcoin credit card with a generous 1.5% cash back, with 2% after $30,000 of yearly spending.

Cryptocurrency wealth management company BlockFi launched the first Visa Bitcoin credit card in July of 2021. Instead of drawing on cardholders’ Bitcoin holdings, the card offers 1.5% cash back per purchase in Bitcoin with bonus Bitcoin rewards making it our choice as the best for cashback.

BlockFi’s card has a credit limit like any other credit card and can be used to make purchases wherever Visa is accepted. The card also offers 1.5% cash back on every transaction, which is converted to Bitcoin and placed in the cardholder’s BlockFi account. This bonus increases to 2% after $30,000 of annual spending.

BlockFi also offers a bunch of other nice bonuses, including 0.25% back in Bitcoin on eligible trades (up to a maximum of $500 each month) and $10 in Bitcoin for every client referral.

BitPay is our top pick for cryptocurrency enthusiasts living in the U.S. The card features no exchange fees in the U.S. and can be used anywhere MasterCard is accepted.

While many Bitcoin debit cards are only offered in Europe, Bitcoin payments processor BitPay launched a U.S.-only debit card in 2016. With support for major currencies, no exchange fees in the U.S., and a large maximum account balance, it’s our choice as the best for U.S. residents.

The BitPay card supports seven major cryptocurrencies, including Bitcoin and Ethereum, as well as six different fiat currencies. You can use the card anywhere Mastercard Prepaid cards are accepted and withdraw cash from Mastercard-supported ATMs. BitPay supports Apple Pay and added a new virtualcard option for those that do not want or need a physical card.

BitPay charges no transaction fees for purchases made within the U.S. but does charge 3% to cardholders traveling abroad to cover the cost of currency conversion. There is also a $2.50 fee to withdraw cash from an ATM. Finally, Bitpay charges no conversion fee to load the card, although network and miner fees may apply.

The BitPay card has higher transaction and balance limits than other cryptocurrency cards, allowing cardholders to load or spend up to $10,000 per day, make three $2,000 ATM withdrawals per day, and hold a maximum balance of $25,000.

BitPay will not ship cards to a P.O. Box, and applicants need to provide a driver’s license and Social Security number.

If you’re looking for a card that supports a wide range of cryptocurrencies, then a card from Crypto.com is a great option. It features support for 80+ cryptocurrencies and over 20 fiat currencies.

Crypto.com offers seven different metal Visa debit cards that let cardholders spend over 80+ cryptocurrencies and 20+ fiat currencies anywhere a Visa card is accepted, which is why we chose it as the best for the variety of cryptocurrencies supported.

In order to buy each of the Crypto.com cards, cardholders must stake an amount of the company’s native CRO tokens (formerly MCO). At the time of writing, a CRO token costs $0.13. Prices vary for each card and start at $0 and increase to $400,000.

Crypto.com’s most popular (and affordable) $400 Ruby Steel card offers 1% back on every purchase, a 100% rebate on a yearly Spotify subscription, and no ATM withdrawal fees for up to $400 per month.

Crypto.com’s other cards offer 0% to 5% back, rebates on more streaming services, and no ATM withdrawal fees.

Cardholders who don’t want to spend $400 on a Visa card can also opt for Crypto.com’s Midnight Blue card, which offers no ATM fees for up to $200 of withdrawals each month.

Nuri is a good choice for customers looking for a no-fee Bitcoin debit card. This card doesn’t charge any issuance, monthly, or withdrawal fees.

Established in 2015 and only available in the EU, Nuri is considered one of the first crypto banking services allowing European citizens to buy and sell cryptocurrencies using their bank account. The company’s debit card charges no issuance, monthly, or withdrawal fees and can be used anywhere Visa is accepted.

Cards are delivered within two weeks of ordering them from the Nuri App. Nuri also charges no monthly, ATM, or withdrawal fees, although some operators may charge ATM fees.

Nuri’s bank account services allow customers to buy and sell Bitcoin and Ethereum through a bank account that offers standard mobile banking features. Any cryptocurrencies bought are converted to Euros in the Nuri account and can be accessed by the Visa debit card for easy purchasing.

The Nuri Visa debit card also offers advanced 3D security features, allowing users to authenticate online payments using biometrics, a mobile code, or a security phrase. Cardholders can also block their card in an emergency or report it stolen using the Nuri app.

Binance is our top pick for a cashback Bitcoin debit card. The card features an impressive 8% cashback.

Founded in 2017, Binance rose to become the world’s largest cryptocurrency exchange by volume just one year later. In 2020, the company partnered with Swipe to offer a Visa debit card that offers 8% cashback, making it our choice as the best for cashback.

The Binance Visa Card charges no issuance or monthly fees and only charges up to a 0.9% transaction fee for transactions and ATM withdrawals. Note that ATM operators may charge an additional fee. The card supports 12 cryptocurrencies, including Bitcoin and Ethereum.

Similar to Coinbase, the Binance Visa Card holds cryptocurrency in your wallet and only converts what’s needed at the time of purchase. The card can be used for in-store and online purchases anywhere Visa is accepted.

Although the Binance Visa Card’s cashback rate is the highest rate we’ve come across, it comes with a catch. Cardholders must have a balance of 600 Binance Coins, known as BNB, and receive their cashback reward in BNB.