Best Bitcoin Debit Cards

Use your cryptocurrency for purchases

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Bitcoin debit cards allow you to spend your cryptocurrency anywhere debit cards are accepted. If you have a sizable balance of Bitcoin, Ethereum, or other supported currencies, you may be able to spend that balance just like you would money in a regular bank account. Each time you use the card, the amount is deducted from your Bitcoin account and converted into the merchant’s currency, such as U.S. dollars.

If you own Bitcoin, getting started with a Bitcoin debit card is easy. To help you figure out the best one for you, we scoured the market to find the best Bitcoin debit cards, focusing on costs, fees, ease of use, and more.

Best Bitcoin Debit Cards in 2021

Best Overall : BitPay

BitPay

BitPay

Why We Chose It: We chose the BitPay card as our best overall because it lets you reload your card from your crypto wallet with no conversion fees charged by BitPay.

What We Like
  • Prepaid card designed to be loaded from your cryptocurrency wallet

  • No conversion fees when reloading your card

  • Widely accepted debit card works for purchases and ATM withdrawals

What We Don’t Like
  • Social Security number and driver’s license needed to apply

  • Monthly inactivity fee after 90 days

  • 3% foreign transaction fee

The BitPay Prepaid Mastercard is a fairly simple and straightforward prepaid debit card that makes it easy to spend crypto from a linked BitPay wallet with low costs. To use the BitPay card, you have to move crypto into your BitPay wallet. Once it’s there, you can turn cryptocurrencies into dollars on your card. You may incur network fees for both the transfer and conversion, but you won’t pay any added BitPay fees for these transactions.

BitPay does require a Social Security number and driver’s license needed to apply. Using the card at an ATM requires a $2.50 fee. A $5 monthly inactivity fee applies after 90 days with no transactions. If you use the card outside of the U.S., a 3% foreign transaction fee applies. However, there are no monthly maintenance fees, and BitPay also allows you to buy gift cards from your account. 

BitPay supports Apple Pay and added a new virtual card option for those that do not want or need a physical card. While the card doesn’t feature any rewards, the simplicity and low costs make it a top choice for anyone looking for an easy way to use Bitcoin for purchases.

Runner Up, Best Overall : Coinbase

Coinbase

 Coinbase

Why We Chose It: The Coinbase Card is a secure, easy-to-use, Visa-supported debit card that converts multiple types of cryptocurrencies to local currency so users can make purchases and ATM withdrawals.

What We Like
  • High daily spending limit

  • Supports 9 cryptocurrencies

  • Available in 49 U.S. states

What We Don’t Like
  • Substantial fees for non-U.S. users

  • Must have a Coinbase account

Available only to Coinbase users, the Coinbase Card is a Visa-backed card available in the U.S. (with the exception of Hawaii) and internationally that allows cardholders to spend their bitcoin and other cryptocurrencies most anywhere Visa is accepted (there is a list of exclusions). You can use it for PIN purchases and ATM withdrawals, and using the app, you can make contactless purchases as well. And, at sign up, you can select from one of two rewards options so you can get money back on your purchases. 

Coinbase Card supports nine cryptocurrencies and how much you can spend is directly related to your bitcoin balance, just like your traditional debit card, up to a ₤10,000 daily limit for purchases and ₤500 for ATM withdrawals for international users. For U.S. users, the daily spending limit is $2,500 and the ATM withdrawal limit is $1,000. 

The card (and your personal information) is protected by security features including two-step authentication, instant card freeze via the website or app, bank-level AES-256 encryption, and all Coinbase employees are subject to a background check. 

There is no card issuance or transaction fee for U.S. users, although overseas users must pay ₤4.95 and 2.9%, respectively. The card also comes with a host of other fees, so make sure to check the fee chart (available on the website) before signing up for a card.

Best for Multiple Cryptocurrencies : CoinZoom

CoinZoom

 CoinZoom

Why We Chose It: CoinZoom supports nearly four dozen coins in an account that’s linkable to the CoinZoom Visa.

What We Like
  • 41 cryptocurrencies available to link to your debit card

  • Instant transfer of crypto to USD when you make a purchase

  • Five card versions with rewards up to 5% back

What We Don’t Like
  • Significant ZOOM coin stake required for best rewards

  • Cashback rewards paid in ZOOM token

  • One-time $10 fee for most cards

CoinZoom is an exchange that supports 41 different cryptocurrencies, including the most popular options like Bitcoin and Ethereum, and it offers a Visa debit card that works with all of its supported cryptocurrencies. The card is free after a $10 setup fee, waived on the top-tier Black version. You can link your debit card to any crypto asset you hold through the CoinZoom app for purchases.

There are multiple tiers to choose from. The introductory Select tier requires depositing 1,000 ZOOM coins, currently worth $66. The highest tier, the Black Card, requires holding 100,000 coins worth $6,635. Rewards are also paid in ZOOM.

Depending on the tier you choose, you could qualify for trading fee discounts at CoinZoom, rewards of up to 5% back, and other perks. All cards work at ATMs and anywhere Visa is accepted.

You can change the currency your card uses at any time, which is great if you want to swap between spending different coins you’ve amassed over the years. The ability to spend without first converting to Bitcoin could lead to big network fee savings. Even if you just have one or two currencies, however, it’s still a solid offering that’s worth checking out.

Best for Rewards : Crypto.com

Crypto.com

 Crypto.com

Why We Chose It: Crypto.com offers cards that include 100% back on popular streaming services and up to 8% back on regular purchases.

What We Like
  • Get 100% back on Spotify, Netflix, and Amazon Prime with some card versions

  • Up to 8% rewards on regular card purchases

  • Enhanced rewards available with Expedia and Airbnb for top card levels

  • Airport lounge access benefits available

What We Don’t Like
  • Must stake (deposit) a large balance of CRO coins to get the best rewards rates

  • Huge staking requirements for best card versions with top rewards and benefits

Crypto.com offers five different versions of its Visa debit card with an interesting rewards program that includes amazing benefits if you’re willing (and able to afford) to stake enough CRO (Crypto.com coin). However, there’s a basic version with 1% rewards that doesn’t require any staking.

The higher-tier cards require staking at least 5,000 CRO for the Ruby Steel version, 50,000 for the Jade Green or Royal Indigo version, 500,000 for the Icy White or Frosted Rose Gold version, or a massive 5 million for the Obsidian card. As of this writing, 1 CRO is worth about $0.15. That means you have to stake an equivalent of about $768 for the second tier and $768,000 for the top card. That’s not viable for most people, but those entrenched in cryptocurrency may be able to swing it.

The card also requires you to hold a lot of CRO to earn the best rewards and gives you rewards in CRO, which you may not be comfortable with compared to more popular coins like Bitcoin and Ethereum. But as you go up the scale to higher-tiered cards, you get up to 8% back on purchases and 100% on streaming services like Netflix, Spotify, and Prime. The top three tiers also include Airport Lounge Access through Lounge Key.

The cards have monthly ATM and exchange limits for free. However, there’s a 2% fee for ATMs and a 0.5% fee for exchanges. There are not many other card fees, but you could have fees to buy, hold, and exchange crypto charged by Crypto.com. 

If you’re a cryptocurrency high roller and want to keep your debit card spending and rewards on the blockchain, the Crypto.com card could be a good choice.

Best for Foreign Transactions : Wirex

Wirex

 Wirex

Why We Chose It: The Wirex Visa Debit card supports free international ATM withdrawals and no exchange fees when using the card anywhere in the world.

What We Like
  • Free fiat-to-fiat currency exchanges

  • No fees for international ATMs or debit card use

  • Store and pay with multiple crypto and fiat currencies

What We Don’t Like
  • Not yet available in the United States

The Wirex Travelcard is connected to the Wirex app, which supports over 150 fiat and cryptocurrencies. It includes free international ATM withdrawals and automatically converts to the local currency so you never have any foreign exchange fees. Even better, the card features 1.5% rewards back to your BTC account.

Fiat-to-fiat transfers are free, but you will have to pay Wirex fees for cryptocurrency exchanges. There’s no monthly maintenance fee, and the Wirex rewards program issues its rewards in Bitcoin rather than tokens.

The Wirex Visa debit card isn’t yet available in the U.S., but recent moves by the company make it appear that we could see a U.S. prepaid or debit card from Wirex soon, as the company recently received its first license in Georgia. Hopefully, it will expand to the rest of the country because its debit card is great for those who enjoy international travel.

Best for International Users : Crypterium

Crypterium

Crypterium

Why We Chose It: The Crypterium card is available for free with no monthly maintenance fees as long as you meet minimum activity requirements.

What We Like
  • Free card (only pay delivery fees)

  • No maintenance fee with minimum monthly deposit

  • Virtual card available instantly

What We Don’t Like
  • Card optimized for EU-based users

  • €2,99 monthly fee unless you deposit at least €299 every month

Crypterium makes a Visa debit card that’s designed for those in the Eurozone first, but it’s available to users in the United States, too. You can choose between a virtual card, plastic card, or both.

As long as you load the equivalent of €299 (approximately $360 as of March 2021) per month to the card, there are no monthly fees. If you don’t make that minimum deposit, however, it may not be an ideal choice.

The only other noteworthy fees are a €14.99 ($18) charge to have the physical card delivered and a 2% fee for topping up your account. There’s also a 2.5% foreign transaction fee and €0.25 fee when making an online or Apple Pay payment.

The Crypterium (CRPT) Wallet holds many popular coins and is backed by the CRPT token. It is available in more than 180 countries, making its debit card a versatile choice.

Final Verdict

If you’re heavy into cryptocurrency, a Bitcoin debit card can help you tap into your balance to buy just about anything. It can be overwhelming to pick a card since there are so many choices, but any of the options on our list is a good place to start based on your needs and what you’re looking for in a card. 

If you need a place to start, consider our best overall choice, BitPay, an easy-to-use, low-cost, Mastercard-backed debit card that supports a number of different currencies.

Compare Providers

Provider   Type of Card   Unique Feature
BitPay
Best Overall
Mastercard Easy to use and low cost
Coinbase
Runner Up, Best Overall
Visa High daily spending limit
CoinZoom
Best for Multiple Cryptocurrencies
Visa Works with 41 currencies
Crypto.com
Best for Rewards
Visa Up to 8% rewards and 100% on select streaming services
Wirex
Best for Foreign Transactions
Visa No foreign transaction or foreign ATM fees
Crypterium
Best for International Users
Visa Available in 180+ countries

Best Bitcoin Debit Cards FAQ

What Is a Bitcoin Debit Card? 

A Bitcoin Debit Card is a type of debit card that allows you to spend directly from your cryptocurrency balance in the local currency. For example, a local store purchase in the United States may be converted from Bitcoin to USD for the transaction to complete.

It’s not that much different from a traditional debit card, except that you fund your account with card-supported cryptocurrency rather than cash. 

How Do Bitcoin Debit Cards Work?

In most cases, Bitcoin debit cards are connected to a cryptocurrency wallet. You can choose between supported currencies when using your wallet. This lets you use Bitcoin, Ethereum, and other cryptocurrencies to make purchases in dollars, euros, and other fiat currencies.

However, make sure you look out for the cost of a Bitcoin debit card, which may include card fees plus regular cryptocurrency transfer or exchange costs. These fees can quickly dip into your balance, leaving you with less available purchasing ability. You may be able to earn rewards to help offset those costs, depending on the card you chose.

What Can I Buy With a Bitcoin Debit Card? 

You can use a Bitcoin debit card anywhere its brand is accepted. Most are Visa or Mastercard branded, which can be used widely around the world.

Besides traditional online or brick-and-mortar purchases, you can typically use Bitcoin debit cards at ATMs to withdraw cash in the local currency.

How Do I Get a Bitcoin Debit Card?

To get a Bitcoin debit card, you will need a funded Bitcoin wallet with a Bitcoin debit card provider. After funding your account, you can request a Bitcoin debit card. You may get both virtual and physical cards for added security when buying online.

Are Bitcoin Debit Cards Secure?

It is safe to use Bitcoin debit cards. Most of them come with security features like two-factor authentication, security codes, and biometric scanning like fingerprints. Some cards even offer key secure cards protected by firewall encryption. And, like traditional debit cards, you can freeze or cancel the card if you suspect fraud. 

However, you do need to take some precautions, as you would storing your regular debit card data, as having all of your information online can put you at risk for hacking or identity fraud. 

Methodology

To pick the best Bitcoin debit cards, we looked at about a dozen providers from around the world. All companies must provide secure and trustworthy products to make the list. We also focused on pricing, supported currencies, supported countries, and ease of use.

All of the cards on this list offered support for multiple cryptocurrencies, were available for use worldwide, and were easy to use and fund.