Best Bitcoin Debit Cards

Use cryptocurrency to buy online, in stores, and withdraw cash from ATMs

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Bitcoin debit cards let individuals make online or in-person purchases or withdraw cash from ATMs using Bitcoin, even if the vendors and ATMs don’t accept cryptocurrency. Instead of exchanging Bitcoins into local currencies, cardholders preload their debit card with a set amount of cryptocurrency which is then automatically converted at the time of purchase.   

We looked at nearly a dozen Bitcoin debit cards based on fees, perks, cashback rewards, currencies supported, and more. Here are our top picks.

The Best Bitcoin Debit Cards for 2021

Best Overall : Coinbase

Coinbase

Coinbase

Launched by leading crypto exchange of the same name, the Coinbase card automatically converts cryptocurrency stored in multiple wallets and can be used anywhere Visa is accepted. Its quick conversion, ease of use, and security features make it our choice as the best overall.

Pros
  • Can be used anywhere Visa is accepted

  • Pay using multiple cryptocurrency wallets

  • Multiple security features

Cons
  • Coinbase account required

  • Charges excessive fees

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 are why we chose it as the best bitcoin debit card overall. 

Coinbase Card supports up to nine 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, 1% for withdrawing over the daily limit, and 2% for using the card abroad.

Best Low-Fee Card : BlockCard

BlockCard

BlockCard

BlockCard is a U.S.-based Visa cryptocurrency debit card that offers flat monthly pricing and no deposit, exchange, or withdrawal fees, making it our pick as the best low-fee card.

Pros
  • No transaction, exchange, or withdrawal fees

  • Flat monthly fee

  • Cashback rewards

Cons
  • Must buy Ternio tokens to make purchases

  • Know Your Customer (KYC) verification

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 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).

In order 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 13 cryptocurrencies, including Bitcoin, Ethereum, Litecoin, and Stellar Lumens. BlockCard also offers 1% to 6% back in cryptocurrency. At the time of writing, cardholders could get 6% back with a stake of 145,000 TERN which would cost $2,800.

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

Best for Cardholder Perks : Wirex

Wirex

 Wirex

Crypto payments platform Wirex offers a no-fee Visa debit card with direct Bitcoin cashback rewards, Bitcoins for referring friends, and more, making it our top choice as the best for cardholder perks.

Pros
  • Cashback and referral bonuses in Bitcoin

  • Supports 19 cryptocurrencies

  • No issuance or monthly fees

Cons
  • Not available in the U.S. until early 2021

  • Must have a balance in Wirex WXT tokens for rewards

Wirex is an EU-only digital payment platform established in 2014 that released a Visa-backed cryptocurrency debit card one year later. The card is one of the few that offers rewards directly in Bitcoin rather than tokens and is our selection as the best for cardholder perks.

The Wirex card supports 19 cryptocurrencies and nearly a dozen fiat currencies in Europe and a few Asian and Pacific countries and will be available in the U.S. in early 2021.  Cardholders pay no issuance, monthly, or withdrawal fees and only a 1% fee to fund accounts with cryptocurrencies.

The Wirex card is one of the few cards to offer cashback rewards in Bitcoin rather than tokens. These include up to 1.5% back on all in-store purchases, $10 in Bitcoin for referring a friend, and other instant rewards paid out in Satoshis, a subunit of Bitcoin.     

As with many cryptocurrency cards that offer perks, Wirex requires cardholders to maintain a balance of staked native tokens called WXT in order to access the best benefits. A balance of 50,000 WXT ($450), offers 0.75% Bitcoin back for in-store purchases while 500,000 WXT ($4,500) offers 1.5% back in Bitcoin.

Best for Cashback : BlockFi

BlockFi

BlockFi

The upcoming BlockFi Bitcoin credit card will offer 1.5% cashback in Bitcoin on every purchase and bonus Bitcoin rewards based on spending, snaring our top spot as the best for cashback.

Pros
  • 1.5% cashback

  • 3.5% cashback in months 4-6

  • $250 Bitcoin for spending $3,000 in the first 3 months

Cons
  • $200 annual fee

  • Only supports Bitcoin

Cryptocurrency wealth management company BlockFi will launch the first Visa Bitcoin credit card in the Spring of 2021. Instead of drawing on cardholder’s Bitcoin holdings, the card offers 1.5% cashback 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. As a signup bonus, new cardholders will get $250 in Bitcoin if they spend $3,000 within the first three months. The card also offers 1.5% cashback on every transaction which is converted to Bitcoin and placed in the cardholder’s BlockFi account. This bonus increases to 3.5% in months four to six of card ownership up to a maximum of $100.

BlockFi also offers a bunch of other nice bonuses, including 2% extra APY on stablecoins stored in a BlockFi Interest Account (paid in Bitcoin up to $200), 0.25% back in Bitcoin on eligible trades (up to a maximum of $500 each month), and $30 in Bitcoin for every client referral. BlockFi also charges an annual fee of $200 for its card.

Best for U.S. Residents : BitPay

BitPay

BitPay

BitPay offers a U.S.-based cryptocurrency debit card that can be used all over the world with no conversion fees when used within the U.S.

Pros
  • Available in all 50 states

  • Can be used anywhere in the world

  • No conversion fees within the U.S.

Cons
  • Social Security number and driver’s license needed to apply

  • Can’t ship card to a P.O. Box

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 six major cryptocurrencies, including Bitcoin and Ethereum, as well as eight different fiat currencies. The card can be used anywhere MasterCard is accepted and to withdraw cash from MasterCard-supported ATMs. BitPay supports Apple Pay and added a new virtual card 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.

Best Variety of Cryptocurrency Supported : Crypto.com

Crypto.com

 Crypto.com

Crypto.com is one of the first cryptocurrency exchanges to offer a debit card and accepts over 90 cryptocurrencies, making it our choice as the card with the best variety of cryptocurrency supported.

Pros
  • Supports over 90 cryptocurrencies

  • No issuance or monthly fees

  • Rebates on streaming services

Cons
  • Must purchase Crypto.com’s CRO tokens

  • Cards with better perks are expensive

Crypto.com offers seven different metal Visa debit cards that let cardholders spend up to 90 cryptocurrencies and six fiat currencies anywhere a Visa card is accepted, which is why we chose it as the best for its variety of cryptocurrency 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, with prices for each card at 5,000 CRO ($650), 50,000 CRO ($6,500), 500,000 CRO ($65,000), and even five million CRO ($650,000).

Crypto.com’s most popular (and affordable) 5,000 CRO Ruby Steel card offers 2% back on every purchase, a 100% rebate on a yearly Spotify subscription, no ATM withdrawal fees for up to $400 per month, and interbank exchange rates for up to $4,000 of exchanges each month.   

Crypto.com’s other cards offer 3% to 5% back, rebates on more streaming services, no ATM withdrawal fees, and interbank exchange rates for currency exchanges with higher monthly limits.  

Cardholders who don’t want to spend $650 on a Visa card can also opt for Crypto.com’s Midnight Blue card, which offers 1% back and no ATM fees for up to $200 of withdrawals each month.

Best No-Fee Card : Bitwala

Bitwala

Bitwala

Bitwala is our choice as the best EU no-fee card because it lets cardholders pay using Bitcoin and Ethereum wherever Visa is accepted with no issuance or monthly fees.

Pros
  • No issuance or monthly fees

  • Established crypto banking service

  • Advanced security features

Cons
  • Only available in Europe

  • Requires a Bitwala account

  • Only supports Bitcoin and Ethereum

Established in 2013 and only available in the EU, Bitwala 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.

Like most cryptocurrency debit cards, the Bitwala Card can be issued in both physical and virtual forms. There is no charge to get a card, which ships in seven to 10 days or in three to five days for a 69 € expedite fee. Bitwala also charges no monthly, ATM, or withdrawal fees, although ATM fees may be charged by some operators. Cardholders may also be charged standard Visa exchange rates on ATM withdrawals.

Bitwala’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 Bitwala account and can be accessed by the Visa debit card for easy purchasing.

The Bitwala 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 Bitwala app.

Best for Cashback : Binance

Binance

 Binance

Binance offers a Visa debit card with no administrative or processing fees and 8% cashback, leading us to select it as the best Bitcoin debit card for cashback.

Pros
  • Offers 8% cashback

  • No issuance or monthly fees

  • Convert crypto on demand

Cons
  • Only available in Europe

  • Balance in Binance’s cryptocurrency required for cashback rewards

Founded in 2017, Binance rose to become the world’s largest cryptocurrency exchange 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 five 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 6,000 Binance Coins, known as BNB, and receive their cashback reward in BNB. As of December 2020, a BNB costs $32, bringing a 6,000-BNB investment to $192,000. 

Bottom Line 

The rise of Bitcoin debit cards is offering more options to make online and in-store purchases and even withdraw cash from places that don’t accept cryptocurrencies. With so many choices available, we picked Coinbase as the best overall due to its on-demand currency conversion, ease of use, and security features.

BlockCard wins the best no-fee card with a flat $5 monthly service fee and no transaction, exchange, or withdrawal fees while Wirex takes the spot as the best for cardholder perks with cashback rewards issued directly in Bitcoin.

Those looking for even better rewards will like BlockFi’s 1.5% cashback in Bitcoin on all purchases which increases to 3.5% in months four to six of card ownership making it our choice as the best for cashback. We also chose BitPay as the best for US residents due to its availability in all 50 states and no transaction fees for purchases made within the US. 

Finally, Crypto.com secures our top spot as the best variety of cryptocurrencies supported with a staggering selection of 90 cryptocurrencies.

Compare Providers

  Card   Why We Picked It   Notable Features
Coinbase Best Overall Auto conversion of cryptocurrencies on demand
BlockCard Best Low-Fee Card Flat monthly fee with no transaction or exchange fees
Wirex Best for Cardholder Perks Cashback and referral bonuses in Bitcoin
BlockFi Best for Cashback 1.5% cashback increasing to 3.5% in months 4-6
BitPay Best for U.S. Residents Available in all 50 states and usable anywhere in the world
Crypto.com Best Variety of Cryptocurrency Supported Supports over 90 cryptocurrencies
Bitwala Best No-Fee Card No issuance, monthly, or ATM withdrawal fees
Binance Best for Cashback Card with no fees and 8% cashback

Frequently Asked Questions 

How Do Bitcoin Debit Cards Work?

Bitcoin debit cards (also called crypto debit cards) act like prepaid debit cards that can be loaded with cryptocurrency to make online and in-store purchases from merchants that don’t accept cryptocurrencies. 

These cards convert stored Bitcoins or other cryptocurrencies into whatever fiat currency is needed to make a purchase. Bitcoin debit cards can also be used to withdraw cash from ATMs in whatever fiat currencies the card supports. 

How Do I Get a Bitcoin Debit Card?

Bitcoin debit cards are typically issued by cryptocurrency exchanges and usually require individuals to create an account and/or digital wallet in order to apply for a card. Some also require users to validate their identity using the Know Your Customer (KYC) verification process.

Some cards must also be purchased, with fees set around $6. Others require you to make an investment in their native token currency in order to get better benefits, with costs coming in at $450, $650, or higher.   

Where Can I Use a Bitcoin Debit Card?

Bitcoin debit cards are issued in partnership with major credit card services (usually Visa) and can be used online or in-store wherever the major credit card is accepted. Cardholders can also withdraw cash at any ATM supported by the credit service.

It’s important to note that Bitcoin debit cards can only be issued to residents of specific regions, most commonly Europe. The cards also support certain fiat and cryptocurrencies and will charge cardholders for converting crypto into fiat currencies that are considered foreign.  

Are Bitcoin Debit Cards Safe To Use?

Most Bitcoin debit cards come with advanced security features like two-factor authentication, biometric scanning, and mobile codes that make them as safe to use as most major credit cards. Cardholders can also freeze or cancel their card instantly, usually through a mobile app.

Nonetheless, some consider Bitcoin debit cards less secure than offline digital wallets. Technically, transferring funds from a wallet to the debit card provider can increase the risk of cyber-attacks, as can keeping funds on mobile wallets or on online exchanges.      

How We Chose the Best Bitcoin Debit Cards

We looked at nearly a dozen Bitcoin debit cards for this review. Our first consideration was to find cards that were easy to use and created a seamless transition from cryptocurrency conversion to purchase or withdrawal.

Security was also important, and we made sure to choose cards that offered the same level of security as traditional debit and credit cards as well as quick ways to freeze or cancel a card. Although price wasn’t a prime factor, we did highlight a few cards with low to no fees as well as those that offered cashback and other perks.