Best Bitcoin Debit Cards

Coinbase's bitcoin debit card has great flexibility and security features

We publish unbiased product reviews; our opinions are our own and are not influenced by payment we receive from our advertising partners. Learn more about how we review products and read our advertiser disclosure for how we make money.

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.

The best Bitcoin debit cards charge few fees and come with perks like cash back rewards and mobile apps. They should also support multiple types of cryptocurrencies, such as Bitcoin, Ethereum, and Litecoin. Bitcoin debit cards should come with robust security features to help protect your funds.

Best Bitcoin Debit Cards of 2021

Best Overall : Coinbase


Coinbase

Coinbase

  • Fees: 2.49% cryptocurrency liquidation fee
  • No. of Crypto Supported: 9
  • Rewards: 4% back
Why We Chose It

Coinbase is our top overall choice for a Bitcoin debit card. It can be used anywhere Visa is accepted, supports up to nine different cryptocurrencies, and features robust security.

Pros & Cons
Pros
  • Can be used anywhere Visa is accepted

  • Pay using multiple cryptocurrency wallets

  • Multiple security features

Cons
  • Coinbase account required

Overview

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.

Best Low-Fee Card : BlockCard


BlockCard

BlockCard

  • Fees: $5 monthly fee, $3 ATM withdrawal fee, $2 foreign transaction fee
  • No. of Crypto Supported: 13
  • Rewards: 1% to 6% cashback
Why We Chose It

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.

Pros & Cons
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

Overview

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 about $1,158.

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

Best for Cardholder Perks : Wirex


Wirex

 Wirex

  • Fees: 1% fee to fund accounts
  • No. of Crypto Supported: 25
  • Rewards: Up to 2% cashback
Why We Chose It

Wirex comes with lots of customer perks for cardholders. These include cashback of up to 2%, free ATM withdrawals, and the ability to earn interest on fiat, BTC, and ETH currencies.

Pros & Cons
Pros
  • Cashback and referral bonuses

  • Supports 25 cryptocurrencies

  • No issuance or monthly fees

Cons
  • Must have a balance in Wirex WXT tokens for rewards

Overview

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 25 cryptocurrencies 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 and only a 1% fee to fund accounts with cryptocurrencies.

The Wirex card is one of the few cards to offer cashback rewards up to 2% 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 about $300 per month.

Unlike other cryptocurrency cards that offer perks, Wirex does not require a minimum balance to earn rewards. 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.

Best for Cashback : BlockFi


BlockFi

BlockFi

  • Fees: $0 annual fee, $0 foreign transaction fee
  • No. of Crypto Supported: 1
  • Rewards: 1.5% cashback, 3.5% cashback in the first 90 days
Why We Chose It

BlockFi is a good choice for customers looking for a Bitcoin creditcard with generous cashback. The card earns a flat 1.5% cashback, plus 3.5% cashback in the first 3 months.

Pros & Cons
Pros
  • 1.5% cashback

  • 3.5% cashback in the first three months

Cons
  • Only supports Bitcoin

Overview

Cryptocurrency wealth management company BlockFi launched the first Visa Bitcoin credit card in July 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. 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% for the first three months of card ownership up to a maximum of $100.

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 $30 in Bitcoin for every client referral.

Best for U.S. Residents : BitPay


BitPay

BitPay

  • Fees: 3% foreign transaction fee, $2.50 ATM withdrawal fee
  • No. of Crypto Supported: 6
  • Rewards: None
Why We Chose It

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.

Pros & Cons
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

Overview

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 Prepaid cards are 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

  • Fees: No annual fee
  • No. of Crypto Supported: 90
  • Rewards: Up to 8% cashback
Why We Chose It

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 90 cryptocurrencies and over twenty fiat currencies.

Pros & Cons
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 require more money staked

Overview

Crypto.com offers seven different metal Visa debit cards that let cardholders spend over 90 cryptocurrencies and 20+ 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 $0.17. Prices vary for each card and start at $0 and go up to $400,000.

Crypto.com’s most popular (and affordable) $400 Ruby Steel card offers 2% 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 1% to 8% 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 1% back and no ATM fees for up to $200 of withdrawals each month.

Best No-Fee Card : Nuri


Nuri

Nuri

  • Fees: None
  • No. of Crypto Supported: 2
  • Rewards: None
Why We Chose It

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.

Pros & Cons
Pros
  • No issuance or monthly fees

  • Established crypto banking service

  • Advanced security features

Cons
  • Only available in Europe

  • Requires a Nuri account

  • Only supports Bitcoin and Ethereum

Overview

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 it from the Nuri App. Nuri also charges no monthly, ATM, or withdrawal fees, although ATM fees may be charged by some operators.

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.

Best for Cashback : Binance


Binance

 Binance

  • Fees: Up to a 0.9% transaction fee for transactions and ATM withdrawals
  • No. of Crypto Supported: 30
  • Rewards: 8% cashback
Why We Chose It

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

Pros & Cons
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

Overview

Regulators have banned Binance in the U.K.

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 30 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. As of September 2021, a BNB costs $362.95, bringing a 600-BNB investment to $217,770. 

Final Verdict

There are lots of options when it comes to Bitcoin debit cards. Whether you’re looking for a card that offers impressive cashback rates, supports lots of different currencies, or charges few fees, there are a variety of different cards to choose from. Overall, our top pick for a Bitcoin debit card is Coinbase.

The Coinbase Bitcoin debit card can be used anywhere Visa is accepted, making it one of the most versatile and flexible cards available. It supports up to nine cryptocurrencies, and automatically converts your preferred cryptocurrency in your Coinbase wallet. The card comes with robust security features to protect your funds, and you can make purchases both online and in stores.

Compare The Best Bitcoin Debit Cards

Company Fees  Cryptocurrencies Supported Rewards Availability
Coinbase
Best Overall
2.49% cryptocurrency liquidation fee 9 4% Anywhere Visa is accepted
BlockCard
Best Low-Fee Card
$5 monthly fee, $3 ATM withdrawal fee, $2 foreign transaction fee 13 1% to 6% cashback U.S.
Wirex
Best for Cardholder Perks
1% fee to fund accounts 25 Up to 2% cashback EU
BlockFi
Best for Cashback
None 1 3.5% cashback for the first 90 days, 1.5% cashback after Anywhere Visa is accepted
BitPay
Best for U.S. Residents
3% foreign transaction fee, $2.50 ATM withdrawal fee 6 None U.S.
Crypto.com
Best Variety of Cryptocurrency Supported
None 90 8% cashback Anywhere Visa is accepted
Nuri
Best No-Fee Card
None 2 None European Economic Area
Binance
Best for Cashback
Up to a 0.9% transaction fee for transactions and ATM withdrawals 30 8% cashback Europe, excluding the UK

Guide to Choosing the Best Bitcoin Debit Cards

Do You Need a Bitcoin Debit Card?

Whether or not a Bitcoin debit card makes sense for you depends on if, and how, you use cryptocurrency. If you’re content with a regular debit card and don’t regularly use cryptocurrency to make purchases, then a Bitcoin debit card may not be necessary. On the other hand, if you regularly favor cryptocurrency over fiat currency when shopping, a Bitcoin debit card could make your life easier.

Pros of a Bitcoin debit card:

  • Spend cryptocurrency even at venues who don’t typically support it
  • Ability to earn cashback rewards in cryptocurrency for transactions
  • Many cards support multiple types of currency
  • Robust security features to protect your account

Cons of a Bitcoin debit card:

  • Many cards charge fees
  • Not all Bitcoin debit cards are available in all areas
  • High volatility makes cryptocurrency less predictable than fiat currency
  • May not be necessary if you don’t shop using cryptocurrency

Comparing Bitcoin Debit Cards

When comparing Bitcoin debit cards, there are a few features that you should be sure to take into account. These include:

  • Fees: Many, but not all, Bitcoin debit cards come with fees. These can include monthly maintenance, foreign transaction, and ATM withdrawal fees. You should look for a card that charges as few fees as possible.
  • Rewards: Some Bitcoin debit cards come with rewards like cryptocurrency cashback. These rewards can seriously boost your earning potential, so it’s a good idea to look for cards with generous cashback.
  • Supported currencies: Not all Bitcoin debit cards support other currencies. Depending on what type of cryptocurrency you prefer, you should make sure to choose a card that supports it.
  • Availability: Some Bitcoin debit cards are only available in certain geographic areas, such as the EU or U.S. You should look for a debit card that works where you live.
  • Other perks: Added perks are a nice additional bonus for Bitcoin debit cards. These can include basic perks like waived ATM fees and unique ones like free Spotify memberships.

Applying for a Bitcoin Debit Card

After you’ve decided which Bitcoin debit card works best for you, you’ll need to apply for a card. To use a Bitcoin debit card, there are a few steps you’ll need to take, including:

  • Creating a Bitcoin wallet
  • Buying Bitcoin from a reputable exchange
  • Connecting the card to a wallet
  • Funding the card
  • Using the card to make purchases

Some cards require users to validate their identity before being approved. Others require users to purchase a card or make an investment in the card’s native currency. You can transfer Bitcoin from the debit card to fiat currency via an exchange or Bitcoin ATM.

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 that vary. Others require you to make an investment in their native token currency in order to get better benefits, with costs coming in at $400, $4,000, 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.      

Methodology

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.

Article Sources

Investopedia requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy.
  1. Coinbase. "Coinbase Card for the EU and UK." Accessed September 22, 2021.

  2. Ternio. "What are the fees to use the card?" Accessed September 22, 2021.

  3. Wirex. "Wirex Fees and Limits." Accessed September 22, 2021.

  4. BlockFi. "Crypto Credit Card." Accessed September 22, 2021.

  5. BitPay. "What fees will I pay to use the BitPay Card." Accessed September 22, 2021.

  6. Crypto.com. "Cards." Accessed September 22, 2021.

  7. BBC. "Binance: Watchdog clamps down on cryptocurrency exchange." Accessed September 22, 2021.