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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 2022
Investing in cryptocurrencies, Decentralized Finance (DeFi), and other Initial Coin Offerings (ICOs) is highly risky and speculative, and the markets can be extremely volatile. Consult with a qualified professional before making any financial decisions. This article is not a recommendation by The Balance or the writer to invest in cryptocurrencies nor can the accuracy or timeliness of the information be guaranteed.
Best Overall : 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.
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
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 and 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
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.
High daily spending limit
Supports over 50 cryptocurrencies
Available in 49 U.S. states
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. (except 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, ATM withdrawals, and the app for contactless purchases. The card also offers rewards so you can get up to 4% back on your purchases.
Coinbase Card supports 50+ 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, bank-level AES-256 encryption, and all Coinbase employees are subject to a background check.
There is no card issuance fee but a 2.49% transaction fee for U.S. users. 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
Why We Chose It: CoinZoom supports 50+ coins in an account that’s linkable to the CoinZoom Visa.
52 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
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 52 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 cryptocurrency asset you hold through the CoinZoom app for purchases.
There are multiple tiers to choose from. The introductory Select tier requires you to hold 2,000 ZOOM worth $169.54. The highest tier, the Black Card, requires holding 100,000 coins worth $8,477. 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
Why We Chose It: Crypto.com offers cards that include 100% back on popular streaming services and up to 8% back on regular purchases.
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
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, a basic version with 1% rewards doesn’t require any staking.
The higher-tier cards require staking at least $400 in CRO for the Ruby Steel version, $4,000 for the Jade Green and Royal Indigo versions, $40,000 for the Icy White and Frosted Rose Gold versions, or $400,000 for the Obsidian 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 give you CRO rewards, 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 limits for free ATM transactions and exchanges; there’s a 2% fee for ATMs and a 0.5% fee for exchanges if you go beyond those limits. There are not many other card fees. However, you could have fees to buy, hold, and exchange crypto charged by Crypto.com, and fees vary by card tier.
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
Why We Chose It: The Wirex Mastercard in the EEA and a Visa debit card in the APAC region support free international ATM withdrawals and no exchange fees when using the card anywhere in the world.
Free fiat-to-fiat currency exchanges
No fees for international ATMs or debit card use
Store and pay with multiple crypto and fiat currencies
Not yet available in the United States
The Wirex Travelcard is connected to the Wirex app, which supports a handful of fiat currencies and more than 30 cryptocurrencies—including the Euro, GBP, USD, Bitcoin, and Ethereum. It includes free international ATM withdrawals and automatically converts to the local currency, so you never have any foreign exchange fees.
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 offers Cryptoback rewards of up to 2.0% cashback in cryptocurrency when spending in a store or online with your card.
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. Its debit card is great for those who enjoy international travel.
Best for International Users : 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.
Free card (only pay delivery fees)
No maintenance fee with minimum monthly deposit
Virtual card available instantly
Card optimized for EU-based users
€2,99 ($3.46) monthly fee unless you deposit at least €299 ($346) 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 $345 as of November 2021) per month to the card, there are no monthly fees. However, if you don’t make that minimum deposit, it may not be an ideal choice.
The only other noteworthy fees are a €14.99 ($17) 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 ($0.29) 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.
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 option 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.
|Provider||Type of Card||Unique Feature|
|Mastercard||Easy to use and low cost|
Runner Up, Best Overall
|Visa||High daily spending limit|
Best for Multiple Cryptocurrencies
|Visa||Works with 52 currencies|
Best for Rewards
|Visa||Up to 8% rewards and 100% on select streaming services|
Best for Foreign Transactions
|Visa||No foreign transaction or foreign ATM fees|
Best for International Users
|Visa||Available in 200+ countries|
Best Bitcoin Debit Cards FAQ
What Is a Bitcoin Debit Card?
A Bitcoin Debit Card is a 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 watch 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 choose.
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 worldwide. 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.
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.