Top 10 Crypto Cards for 2026 (Updated)

What Are Crypto Cards?

Crypto cards include credit, debit, and prepaid cards, which allow holders to spend their digital assets in their everyday life. These cards are typically issued by cryptocurrency exchanges and financial institutions, enabling users to make purchases and even withdraw fiat currency using their digital assets. 

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Key Takeaways

• Crypto cards are a type of payment card that allows holders to spend their digital assets — just like fiat money — in their everyday life.

• There are three main types of crypto cards, and they include debit, credit, and prepaid cards.

• These cards make it easy to spend cryptocurrency like traditional money, whether online or in physical stores, without needing to manually convert to fiat first.

• In this article, we’ve curated a list of the top crypto cards in the market, highlighting features, costs, and fee structure.

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While cryptocurrency has a growing presence in the global finance industry over the past decade, these digital assets are yet to be widely adopted and accepted by governments and businesses worldwide.

As a result, it's not that easy for people to use cryptocurrencies in the real world, which potentially discourages widespread adoption of digital assets. To tackle these challenges, we are seeing the introduction of different solutions to enable users to spend their cryptocurrencies in the real world, including crypto cards. 

Types of Crypto Cards

Crypto cards basically eliminate the need to convert cryptocurrency into fiat currency before spending, bridging the gap between digital assets and traditional finance. Now, these cards come in different types; credit, debit, and prepaid. Each type offers unique characteristics, catering to different needs and preferences.

Crypto debit cards, for instance, work by linking directly to a digital asset wallet. When you make a purchase, the card automatically converts the required amount of crypto into fiat currency at the point of sale. This type of card is convenient for everyday spending and can be used both online and in physical stores. Additionally, users can withdraw cash from ATMs that support the card.

Meanwhile, crypto credit cards operate similarly to traditional credit cards except that they offer rewards in cryptocurrency. Users can make purchases and pay off the balance later, earning crypto rewards in the process. These cards often come with benefits, such as cashback, making them an attractive option for those looking to maximize their crypto holdings.

Finally, crypto prepaid cards are another type of crypto cards. It allows users to load specific amounts of cryptocurrency, which are then converted to fiat currency for various purposes. These cards are particularly useful for budgeting, as users can only spend the preloaded amount, thereby helping them manage their finances more efficiently. 

How Do Crypto Cards Work?

Crypto cards operate similarly to traditional debit or credit cards. To begin using a crypto card, one must first choose a card service provider and sign up for an account on their platform. This process may involve verifying their identity by providing personal information and necessary documents. This step is especially crucial for complying with Know-Your-Customer (KYC) regulations.

Once the account is created and verified, users can then link their cryptocurrency wallet to the crypto card account. Although some cards come with built-in wallets, users can transfer cryptocurrency from their external wallet to the card's wallet. 

When making purchases physically, users can swipe, insert, or tap their card at the payment terminal. Then, the required amount of cryptocurrency is converted to fiat currency in real-time, ensuring the latest exchange rate. For online shopping, you enter your card details at checkout, and the conversion happens. If you need to withdraw cash, you can use the crypto card at compatible ATMs, with the cryptocurrency converted at the time of withdrawal.

Most notably, crypto cards often come with standard security features such as a PIN, chip, and two-factor authentication (2FA) to ensure the safety of transactions. Additionally, providers monitor transactions for suspicious activity and allow users to freeze their cards immediately, if they are lost or compromised.

Below is a comprehensive list of the top crypto cards, covering both custodial and non-custodial options. Here, we'll highlight their various features, offerings, and benefits to users.

Nexo Card: Dual-Functionality Crypto Card

This section is brought to you by Nexo.

A top crypto card to make the cut is from Nexo, a cryptocurrency lending platform. The Nexo custodial card is especially popular amongst cryptocurrency users for its dual-mode functionality, offering both credit and debit options.

Features

The Nexo card connects to users’ available balance on the platform. It operates in two modes; credit and debit, which users can switch between at any time.

• Credit mode: Allows users to put up their crypto as collateral, allowing them to make purchases without selling their assets. This mode helps users retain the upside potential of their assets while accessing funds at borrowing rates starting from 2.9%. Users will also enjoy up to 2% crypto cashback on purchases (up to $200), while earning interest on assets not used as collateral.

• Debit mode: Enables users to spend cryptocurrencies and stablecoins (EUR, GBP, and USD) directly. Card holders can earn daily compound interest of up to 14% on their balance. Users can also prioritize which assets to spend first, ensuring maximum efficiency.

The Nexo card supports various cryptocurrencies, including BTC, ETH, and stablecoins like USDT. It is currently available to residents of the European Economic Area (EEA) and the UK.

Cost and Fees

Activation of the virtual Nexo card is free upon deposit of at least $50 to the Nexo account. Meanwhile, the physical cards are shipped at no cost with a portfolio balance of at least $500 and a Gold Loyalty tier. Users are tiered based on the ratio of NEXO tokens against the rest of their portfolio, where tiers only apply if the user's account balance is above $5,000 in digital assets.

In credit mode, borrowing rates start at 2.9% and can go up to 18.9% per annum, allowing users to access funds without selling their crypto. The debit mode does not charge any monthly, annual, or inactivity fees.

When using the Nexo card, users can earn up to 2% cashback in NEXO tokens or 0.5% in BTC for purchases made in credit mode (based on their loyalty tier). In the debit mode, users earn daily compound interest based on their loyalty tier, reaching up to 14% in NEXO tokens or 12% in-kind. The Nexo card also provides up to €2,000 / £1,800 free AIM withdrawals per month, after which a 2% fee (minimum of 1.99 EUR/GBP) applies. 

Coca: Non-Custodial VISA Card With Real-World Rewards

This section is brought to you by Coca.

COCA is a stablecoin-native challenger bank with a Visa card built for real-world spending — with rewards paid in stablecoins.

The card works with Google Pay and Apple Pay and connects to a non-custodial wallet secured by MPC and biometric recovery, so users always maintain control of their assets.

COCA offers cashback, yield on balances, cashback on subscriptions, and hotel discounts, all while allowing users to spend crypto anywhere Visa is accepted — over 80 million merchants.

Users from 54 supported countries — including the EEA, UK, Switzerland, Monaco, Australia, Hong Kong, Singapore, Brazil, Mexico, and Argentina — can order a COCA card with KYC. The COCA app itself is available globally and can be used without KYC by anyone in the world.

COCA is backed by Stellar, Funfair and Wirex and it was named #1 Product of the Day on Product Hunt and won the "Next Financial Revolution" award at CONF3RENCE 2024.

Features

• Buy, sell, send, and receive supported cryptocurrencies directly in-app.

• Spend stablecoins anywhere Visa is accepted — online or in-store.

• Earn 1%–8% cashback in USDC or EURC through the COCA Loyalty Program.

• Get 50% cashback on subscriptions like Netflix, Spotify, Amazon Prime, and ChatGPT.

• Enjoy up to 50% off hotels via COCA Travel, plus cashback on bookings.

• Earn 6% APY on your stablecoin card balance — no lockups, funds stay liquid.

• Full self-custody setup: COCA doesn't hold your keys.

• Supports USDC, USDT, EURC, and EURS across major EVM and Layer 2 networks.

Costs and Fees

COCA offers users:

• 0% FX fees

• No annual or monthly fees

• Free virtual card issuance

• No ATM withdrawal fees up to $200 monthly

• Zero-fee swaps across 15+ blockchains with smart routing.

Bitget Wallet Card: Spend Crypto Like Cash With 0-Fee Allowance

This section is brought to you by Bitget Wallet.

Bitget Wallet is one of the world’s largest self-custodial Web3 wallets with over 80 million users globally. Built to make crypto simple, secure, and practical for everyday finance, Bitget Wallet lets users trade, earn, and pay using crypto, offering a full payment stack, including a crypto debit card, QR payments, bank transfers, and an integrated in-app shop.

The Bitget Wallet Card is a virtual crypto debit card (physical coming soon) issued via regional partners on the Mastercard and Visa networks, letting users top up with USDT and USDC and spend at millions of merchants worldwide. 

Features

• Global Spending: Pay with USDT or USDC at millions of merchants that support Mastercard or Visa, both online and in-store.

• Wide Availability: The card works across over 50 markets, including Europe, Latin America, and Asia Pacific.

• Fast Activation: Applications are completed directly in the Bitget Wallet app, including KYC, with a virtual card issued immediately upon activation and funding.

• Wallet Integration: Seamlessly connect the card to major payment platforms like Apple Pay, Google Pay, Alipay, WeChat Pay, Line Pay, and use it on platforms like Amazon and TikTok.

• Monthly 0-Fee Allowance: Cardholders receive a monthly 0-fee quota (typically $400, or $600 for specific campaigns/partners), where Bitget Wallet refunds common card-related costs that often total 2%–7%, enabling crypto spending at rates closely tracking Google’s real-time FX with no hidden markups.

• Multi-chain Top-up: Fund the card with USDT and USDC from the Bitget Wallet across supported networks, including Ethereum, Tron, Solana, Base, and Arbitrum.

• High Limits: Daily spending limits are typically up to $12,000, with an annual cap around $150,000, suitable for regular spending and travel (exact limits vary by issuing bank).

• Customization: Users can personalize their virtual card with multiple exclusive Bitget Wallet card designs.

Cost and Fees

• No Recurring Fees: Bitget Wallet Card charges zero annual, monthly, or Bitget-Wallet-imposed top-up/conversion fees.

• Refunded Fees (within quota): Within the 0-fee quota, Bitget Wallet fully refunds FX fees, top-up/conversion fees, and hidden FX spread/slippage.

• Post-Quota Fees: Once the monthly 0-fee allowance is exceeded, standard card fees set by the issuing partner apply, generally around 1%-2.2% per transaction.

• Network/ATM Fees: Funding the card incurs only normal blockchain network (gas) fees. ATM withdrawal fees are set by the regional issuing partner and local banks.

Brighty: EU-Regulated Crypto & Fiat Banking With FX Fees as Low as 0.3%

This section is brought to you by Brighty.

Brighty is a Lithuanian-based neodigital banking app that seamlessly integrates traditional fiat currencies with cryptocurrency management in a single platform. Founded in 2021 and headquartered in Vilnius, Lithuania, Brighty is fully regulated and licensed within the EU, and is available to residents of all EU and EEA countries.

The platform offers both virtual and physical VISA debit cards, as well as a virtual Mastercard, that allow users to spend either crypto or fiat currencies. Users can open multiple account types including IBAN accounts (EUR, USD, GBP), stablecoin wallets (USDC, EURT), and cryptocurrency wallets (BTC, ETH, ADA, and more). Brighty automatically converts crypto to fiat in the background when making purchases, eliminating the need for manual conversions. Brighty charges FX (foreign exchange) fees starting from, with competitive crypto-to-fiat conversion rates starting from 0.3%.

Brighty automatically converts crypto to fiat during purchases. With the Pro plan, you can exchange up to 5,000 EUR for free, and anything above that is charged at 0.4%. With the Plus plan, 2,000 EUR is free, and the remaining amount is charged at 0.5%. On the free plan, the fee is 0.6%. For business clients, a flat 0.3% rate applies.

Brighty stores client assets securely with $250M insurance coverage, featuring bank-grade crypto vaults with Fireblocks custody.

Features

• Multi-currency IBAN accounts (EUR, USD, GBP, AED) and support for 14+ cryptocurrencies including BTC, ETH, ADA, XTZ

• Stablecoin accounts (USDC, EURT, EURA)

• SEPA, SWIFT, and Faster Payments support for transfers

• Free instant transfers between Brighty users and no blockchain fees for swaps within Brighty

• Virtual and physical VISA cards with Apple Pay and Google Pay integration

• Earn 5% on your crypto card balance and up to 20% from vaults and AI investments (based on historical data)

Cost and Fees

Brighty offers four subscription tiers:

Feature	One (Free)	Plus	Pro
Monthly Cost	€0	~€6-8	~€18
Annual Cost	€0	~€72-96	~€216
Virtual Card	✓	✓	✓
Physical Card	✗	✓	✓
Earning Vault APY	Lower tier*	Mid tier*	Up to 10.41%
Card Earning APY (on USDC balance)	Lower tier*	Mid tier*	Up to 5%
IBAN	Transfers to self	Transfers to third parties	Transfers to third parties
ATM Withdrawal (only for physical card)	N/A	EEA (€3.50) Non EEA ( €3.50 + 3.5%)	EEA (€3.00) Non EEA ( €3.00 + 3%)

*Exact APY percentages for One and Plus tiers are not publicly disclosed. Rates are tiered with Pro receiving maximum advertised rates.

Transfer Fees:

• Receiving money (crypto or fiat): Free and unlimited

• Sending fiat: Low fees (lowest on Plus and Pro plans)

• Crypto transfers: Standard blockchain network fees apply

• In-app transfers between Brighty users: Free

For more information around fees, please see: https://help.brighty.app/en/articles/8263403-fees-and-limit

Cypher: Non-Custodial Debit Card With Crypto Rewards

This section is brought to you by Cypher.

Cypher backed by Y Combinator and Coinbase ventures  is a non-custodial prepaid VISA card that enables users to spend cryptocurrency at over 40 million point-of-sale terminals worldwide across 160+ countries. The platform distinguishes itself through its extensive multi-chain compatibility, supporting over 1000+ cryptocurrencies across 15 blockchains, including Ethereum, Optimism, Base, Solana, Hyperliquid and Cosmos and most EVM-compatible chains.

Users maintain complete control over their crypto assets until the moment of conversion for spending. The card can be loaded directly from any non-custodial wallet or external exchange, with crypto-to-fiat conversion happening instantly in the background. Cypher offers both virtual and physical cards, with the virtual card available immediately upon KYC completion.

The platform operates in two tiers: a Standard plan with a free virtual card and a Premium plan that includes a metal physical card. 

Features

Core Wallet & Card Features:

• Support for 1000+ tokens across 15 blockchains

• Non-custodial model — users retain full control until transaction

• Instant free virtual card upon KYC completion

• Physical card options: plastic (Standard) or metal (Premium)

• Apple Pay and Google Pay integration

• Multiple cards per account for family spending management

• No token staking requirements to access the card or features

Security Features:

• PCI DSS and ISO compliant

• Fraud protection up to $300 (Premium users)

• Card freeze functionality for unauthorized transaction prevention

• 3D Secure authentication

Spending Limits:

• Standard: $50,000 daily / $150,000 monthly

• Premium: $200,000 daily / $500,000 monthly (get personalised, even higher spend limits on request)

Rewards & Promotions:

• Standard cashback: Every spend made with the Cypher Card earns CYPR, the protocol’s native token.

• Premium cashback: Premium members receive 2× rewards on all spends.

• Boosted rewards: Spending at top listed merchants can offer up to 30–60% in rewards

Cost and Fees

Annual Fees:

• Standard: $0

• Premium: $199 (includes metal card with free worldwide shipping)

Issue/Shipping Fees:

• Virtual card: $0

• Physical Plastic Card(Standard): $50 shipping fee

• Metal card(Premium): Free worldwide shipping (included in annual fee)

Card Load Fees:

• Standard:

  • USDC: 0.5%

  • Other cryptocurrencies: 1%

  • Low liquidity tokens: 1% to 3%

• Premium:

  • USDC: 0% (Free)

  • Other cryptocurrencies: 0.5%

Foreign Exchange (FX) Fees:

• Standard: 1.75% forex markup fee (note: banks may add 0.25% to 1% additional fees)

• Premium: 0.75% forex markup fee (note: banks may still add 0.25% to 1% additional fees)

ATM Withdrawal Fees:

• Standard: 3%

• Premium: 2%

Other Fees:

• Standard blockchain network/gas fees apply for crypto transfers.

• No additional conversion fees beyond the stated load fees.

• Bank-initiated fees may apply depending on your financial institution.

Coinbase Card: Debit Card With Crypto Rewards

The Coinbase Card is a debit card designed by one of the world’s largest crypto exchanges, allowing users to draw on their Coinbase account crypto balances to make payments in crypto. The crypto card stands out for its ability to turn everyday purchases into crypto rewards.

Features

The Coinbase Card is a Visa debit card that offers several features, including; 

• Support for cryptocurrencies including Bitcoin (BTC), Ether (ETH), and USDC.

• Earn cashback rewards in the form of cryptocurrencies.

• Card is valid anywhere Visa debit cards are accepted.

• Zero spending and annual fees.

• Robust security features, like two-factor authentication, card freezing, and PIN change.

• Available in Europe, the UK, and the US (excluding Hawaii). The rewards program and some features are US-only.

Cost and Fees

The Coinbase Card does not charge annual fees or spending fees, making it a cost-effective option for users. However, network transaction fees (e.g. gas fees) still apply for transferring cryptocurrency off the platform and are always disclosed at the time of the transaction. 

Also, fees for buying, selling, or converting cryptocurrencies on Coinbase depend on factors like payment method and order size. While spending with the Coinbase card has no transaction fees, ATM operators may charge fees for withdrawals.

Now, this card offers flexible funding options, allowing users to link their bank accounts or deposit part of their paycheck into Coinbase with zero fees. The setup process is straightforward, with no credit check or requirement to stake assets to become eligible. 

Coinbase One Card: Upcoming

The Coinbase One Card is coming in Fall 2025, and is currently in a waitlist phase. This will be a credit card (unlike the above Coinbase Card which is a debit card), issued by First Electronic Bank. The Coinbase One Card will be only available for Coinbase One members, which has a membership cost of $4.99/month or $49.99/year. There is no annual fee, nor foreign transaction fees.

Coinbase One Card users will enjoy the following rewards:

• Base rewards: 2% back in Bitcoin on every purchase
• Tiered rewards: Up to 4% back in Bitcoin based on assets held with Coinbase
• Reward tiers: 2%, 2.5%, 3%, or 4% depending on your Coinbase asset holdings
• Reward currency: All rewards paid in Bitcoin (BTC)

There are additional cardholder benefits as well , including travel insurance and AMEX experiences.

Coinbase One Card vs. Coinbase Card

Feature	Coinbase Card (Current)	Coinbase One Card (New)
Card Type	Debit Card	Credit Card
Funding Source	Your Coinbase wallet	Credit line
Rewards	Up to 4% in various cryptos	Up to 4% in Bitcoin only
Membership Required	No	Yes (Coinbase One)
Annual Fee	None	None
Availability	Currently available in supported regions	Fall 2025 launch for supported regions

Bybit Card: Earn Interest on Idle Assets

The Bybit card is a crypto debit card offered by Bybit, a prominent centralized cryptocurrency derivatives trading platform. This custodial crypto card stands out for its plethora of benefits, which comes with zero staking requirements.

Features

The Bybit card is a Mastercard debit card that offers convenient transaction and card management for users through a dashboard on Bybit web and app. This card features;  

• Support for multiple cryptocurrencies, including BTC, ETH, XRP, USDT, and USDC.

• Loyalty rewards with points redeemable for vouchers and cryptocurrencies, and up to 10% cashback.

• Auto-Savings function that allows Bybit Card users to earn interest on assets in Flexible Savings, which can be unstaked and spent at any time. 

• Integration with Google and Apple Pay.

• Only available for users in Australia and European Economic Area (EEA) countries. 

Cost and Fees

ATM withdrawals are free for the first 100 EUR/GBP each month, with a 2% fee thereafter. Spending limits are set at 5,000 EUR/GBP daily, 50,000 EUR/GBP monthly, and 250,000 EUR/GBP annually.

ether.fi Cash: Non-Custodial Cashback Credit Card

A new card to watch in the non-custodial card is ether.fi’s credit card – Cash. Users can load their account with fiat money from their traditional bank account, or any non-custodial wallet. At time of writing, users can enjoy 3% cashback on all purchases across all card levels. 

Features

ether.fi’s Cash acts as a spending account that lets users borrow against and spend their ether.fi balance in the physical world. Unlike other decentralized cards, ether.fi's Cash is a credit card.

• Crypto as collateral: Users can borrow against your crypto for credit card purchases, and can soon pay for their card balance with native yields.

• Spend crypto in the physical world: Accepted anywhere VISA is accepted, with no need to off-ramp or incur transfer fees to use crypto in the real world.

• Non-custodial: Your crypto assets belong to you, and neither ether.fi nor any third-party can access your keys.

• Gasless transactions: You don’t have to pay for gas on any transactions using your Cash account.

There are different tiers for card holders based on their loyalty tier:

• Core: Ideal for users who want to use the card for everyday transactions. Users get 1 free physical card and 3 virtual cards. It has no annual fees, and a spending limit of $30K a day.

• Luxe: Users who need more cards and require a higher spending limit might find Luxe a better fit for them, as users get 2 free physical cards and 10 virtual cards. It has no annual fees, and a spending limit of $50K a day.

• Pinnacle: Ideal for users in the crypto space, as it comes with 1 free conference per year. It also comes with 5 free physical cards, and 50 virtual cards. It has no annual fees, and a spending limit of $100K a day.

• VIP: This is by invitation only, and offers unlimited virtual cards.

Cost and Fees

Regardless of your tier, however, there is a fixed 2% fee and a limit of 3 withdrawals a day for ATM withdrawals.

There is also a FX rate of 1% across all tiers, which applies if you are using the card for non-US dollar transactions. There are plans to include native EURO support soon. 

MetaMask: Bringing Worldwide Accessibility to the MetaMask Wallet With Mastercard

The MetaMask Card will let users spend their crypto in everyday transactions wherever Mastercard is accepted. Users can designate tokens for their MetaMask wallets and set spending limits, while maintaining complete access to their funds until they complete a transaction. When a transaction takes place, the MetaMask Card will convert available tokens into fiat currency.

The MetaMask Card runs on Linea, a zkEVM Layer 2 that offers lower gas fees and faster transaction processing, enabling instant payments.

Features

• Supported tokens: Six tokens worldwide – USDC, USDT, wETH, EURe, GBPe, and aUSDC. For US users, USDC and aUSDC are the only supported tokens. 

• Mobile payment integration with Apple Pay or Google Pay.

• Available in Argentina, Brazil, Colombia, Mexico, Europe (excluding Czechia, Estonia, Latvia and Lithuania), and the UK. On the US side, the early access has ended at time of writing, although there is a waitlist for an upcoming launch.

There are two options for card holders to choose from:

• Virtual card: This is only a virtual card and is free to use, with users earning 1% crypto cashback in USDC for all eligible transactions. It has a limit of $10,000 per transaction, and $15,000 per day.

• Metal card: A premium physical metal card that offers exclusive benefits like 3% back on the first $10,000 spent yearly (1% thereafter), higher spending and ATM withdrawal limits, and exclusive access and perks. It has a limit of $20,000 per transaction, and $30,000 per day.

Cost and Fees

For the virtual card, there are no annual or maintenance fees. For the premium Metal card, there is a $199 annual subscription fee. 

There are no fees for stablecoins in the cardholder’s local currency, although foreign currency stablecoins incur a 0.5% fee for transactions. DeFi tokens incur no fees up to $1,200 per month, then 0.5%, while other cryptocurrencies like wETH incur a 0.875% fee.

There are also network gas fees, ATM withdrawal fees (2%), and cross-border fees of 1% for Virtual cards (free for Metal).

KAST: Multi-Chain Cards with Enhanced SOL Staking Rewards

The KAST Card enables users to spend stablecoins and crypto at over 100 million merchants and ATMs globally without requiring a traditional bank account. Users can create their card in minutes through a 2-3 minute KYC process and start spending instantly. The card automatically converts crypto to fiat at the point of purchase, eliminating the need for pre-conversion or preloading funds.

The KAST Card runs on multiple blockchain networks and offers multi-chain support for flexibility, while providing virtual USD bank accounts that function like traditional banking.

Features

• Supported tokens: USDC, USDT, and USDe with multi-chain compatibility across various blockchain networks.

• Mobile payment integration with Apple Pay and Google Pay.

• Global availability in over 150 countries (excluding India and China due to regulatory restrictions).

• Unlimited spending limits: No daily transaction limits, with ATM withdrawal allowance up to $20,000 per day.

• SOL staking integration: Earn up to 21% APY through KAST validator with 0% commission + 100% MEV kickback.

• KAST Points Program: Earn points on every transaction for potential future airdrops and rewards.

KAST offers two distinct card categories:

Regular KAST Cards:

• Standard (K Card): Free option with 4% rewards on all spending in 2025 and earn KAST points on staked SOL.

• Premium (X Card): $1,000/year with 8% rewards, 2x KAST points on staked SOL, and premium metal card.

• Limited (Founders Edition): $5,000 one-time payment with 8% rewards, VIP concierge access, 2x KAST points on staked SOL, and no recurring fees.

Solana Cards (with enhanced SOL staking benefits):

You must stake SOL with the KAST validator in your Solana wallet and connect your Solana wallet to the Solana Card.

• Solana Card (Standard): Free with 4% rewards on all card spend, earn KAST points on staked SOL, and receive 3.5-7% APY.

• Solana Illuma (Premium): $1,000/year with 8% rewards on all card spend, 2x KAST points on staked SOL, and receive 7-14% APY.

• Solana Gold: $10,000/year with 12% on all card spend, VIP concierge access, earn 3x KAST points on staked SOL, and receive 14-21% APY. There is also Solana Solid Gold, which is by invite only. Most of the benefits are the same as Solana Gold. 

Bitcoin Cards

• Bitcoin Silver Card: Free with 4% rewards on card spend and earn KAST points on staked SOL.

• Bitcoin Black Card: $1,000/year with 8% rewards on all card spend and 2x KAST points on staked SOL.

Cost and Fees 

Annual fees range from free for regular Standard cards ($2 in certain countries) to $10,000 for Solana Gold. 

Transaction fees include ~0% crypto-to-fiat conversion costs (among the lowest in the industry) and a 2% foreign transaction fee for international purchases.

ATM fees are notably higher: 5% for local withdrawals and 10% for international ATM usage, with no free withdrawal allowances offered. Network gas fees are minimal and variable depending on the blockchain used.

Comparing The Top Crypto Cards 

Crypto Card	Type	Annual Fees	ATM Withdrawal Fees
Nexo	Credit and Debit	None	Limited free withdrawals based on loyalty tier. Subsequent withdrawals are subject to 2% fees
Coca	Debit	None	None globally up to $200 monthly
Bitget Wallet Card	Debit	None	ATM withdrawal fees are set by the regional issuing partner and local banks.
Brighty	Debit	€0 - €216	EEA (€3.00 - €3.50, dependent on plan) Non EEA (€3.00 - €3.50 + 3 - 3.5%, dependent on plan)
Cypher	Debit	$0 for Standard, $199 for Premium	Standard 3%, Premium 2%
Coinbase	Debit	None	None. ATM operator fees may apply
Bybit	Debit	None	Free for first 100 EUR/GBP each month, 2% fee thereafter
ether.fi Cash	Credit	0.01 - 1 ETH	Fixed 2% fee, $10K limit, and 3 withdrawals a day
MetaMask	Debit	None (Virtual), $199 (Metal)	2% ATM withdrawal fees
KAST Regular Cards	Debit	Free - $10,000 (depending on tier)	$3 + 2% local, $3 + 2% (+2% FX) international

Final Thoughts

Crypto cards offer an easy and seamless way to manage and spend digital assets, similarly with regular payment cards in traditional finance. These cards provide users with convenience, enhanced security, and unique benefits, including cashback rewards, staking options, and subscription packages. That said, choosing a suitable crypto card can be a complex decision-making process involving a few relevant considerations, such as taxes, custody, flexibility, regulations, and more.

Always do your own research before choosing any crypto cards or staking any digital assets. This article is only meant for informational purposes and should not be taken as financial advice.