Spending crypto at a coffee shop, in a taxi, or on a marketplace is routine. Visa and Mastercard have linked hundreds of card programs to crypto wallets and stablecoins. The challenge is volume. Some programs take a cut on conversion. Others gate the strongest cashback behind token staking. A few restrict large regions by geography.
This page covers 56 cards grouped into six clusters. Each entry lists category, network, custody, issuance cost, conversion and FX, ATM terms, cashback, region, and the main advantage. Figures reflect mid-2026 conditions. Terms shift often, so check with the issuer before you apply. “Up to” rates almost always apply only to the top VIP tier that requires staking the platform token. Actual cashback after caps usually sits two to four points lower.
Exchange Cards (CEX-Linked, Custodial)
These work well if you already trade on the exchange. Crypto stays on the platform balance and the card spends from there.
Crypto.com
Visa network, custodial. Virtual and physical cards cost nothing to issue. Conversion includes a spread; higher tiers get 0% FX. ATM withdrawals are free up to a limit. Cashback runs 0–5% in CRO across six tiers and requires a CRO stake. Available in more than 40 countries. Higher tiers deliver the strongest rewards plus streaming and lounge access.
Bybit Card
Mastercard, custodial. Issuance is free. Conversion sits around 0.5–0.9% plus FX of roughly 0.5–1%. ATM gives 100 € free each month, then about 2%. Cashback ranges from 2% to 10%. Coverage includes the EEA, Australia, LatAm, and APAC but excludes the US. High cashback without mandatory staking is the standout.
Binance Card
Mastercard, custodial, free to issue. Conversion costs 0.9%. ATM terms vary. Cashback reaches up to 3% in BNB. Regions are limited to places such as Brazil, Australia, and New Zealand. Access to more than 500 assets inside the Binance ecosystem is the advantage.
Coinbase Card
Visa (with an Amex credit option), custodial, free to issue. Conversion includes a spread plus 3% FX. ATM withdrawals cost $2.50 plus the operator fee. Cashback sits between 1% and 4% in crypto. Availability is mostly US. Maximum simplicity for existing Coinbase users is the main plus.
OKX Card
Visa or Mastercard, custodial. Issuance varies. Conversion spreads run 0.1–0.5%. ATM terms vary. Cashback is available. Regions depend on the market. One of the lowest spreads on stablecoins is the feature.
Bitget Card
Visa or Mastercard (two cards), custodial, free to issue. Conversion is low and includes a fee-free quota. ATM fees sit at $2–5. Cashback can reach 8% in BGB. Coverage covers the EEA, APAC, and UK. High cashback for holding the exchange token stands out.
Gate.io Card
Visa Platinum, custodial, free to issue. Conversion and ATM terms vary. Cashback runs 1–5% in points that can be USDT, BTC, ETH, or GT. Listed as global. One of the widest asset lists is the advantage.
KuCoin Card
Visa, custodial, free to issue. Conversion and ATM terms vary. Cashback is tiered in KCS. Region is EEA. Integration with the KuCoin ecosystem is the key point.
Kraken Krak Card
Mastercard issued by Monavate, custodial, free to issue. Conversion is spread only with 0% FX. ATM terms vary. Cashback is about 1%. Coverage is EEA and UK. Transparent fees limited to the spread are the plus.
BitMart Card
Visa, custodial. Virtual issuance is free. Conversion includes 1.3% FX. ATM terms vary. Cashback reaches up to 5.5%. Region covers the EU and multi-chain support. Tiered cashback across many blockchains is the feature.
BitPay Card
CEX/fintech, Mastercard, custodial, free to issue. Conversion is by spread. ATM terms vary. Cashback comes as in-app rewards. Region is US. It loads BTC plus legacy assets such as LTC and DOGE.
Bitpanda Card
Visa, custodial, free to issue. Conversion carries 0% FX. ATM terms vary. Cashback is 1%. Region is EEA. Access to more than 600 assets and a simple custodial setup are the advantages.
Uphold Card
Fintech, Visa or Mastercard across three cards, custodial. The Elite Metal version costs $99.99 per year. Conversion varies. ATM gives $250 free each month, then 2%. Cashback reaches up to 6% in XRP. Coverage is US and UK. The anything-to-anything model for crypto, fiat, and metals is the standout.
Gemini Credit Card
Mastercard World Elite (credit, four editions), custodial, free to issue. Conversion carries 0% FX. ATM allows $1,000 free each month. Cashback reaches up to 4% in crypto (BTC, SOL, XRP and more than 50 others). Region is US. You pay from a bank account without selling your crypto.
Cryptomus Card
CEX/fintech, Visa virtual, custodial. Issuance is low-cost. Conversion auto-converts USDT or USDC. ATM is not applicable. Cashback is not listed. Coverage includes LatAm, APAC, and global. Fast stablecoin top-up is the plus.
Fintech, Neobanks and Credit Cards
These let you keep the asset and spend against it, or hold a multi-currency balance.
Nexo Card
Credit/hybrid Mastercard (debit plus credit), custodial. Issuance is free with a qualifying balance. Conversion is 0.2% in the EEA, UK, and CHF zones, 2% elsewhere. ATM allows €2,000 free each month, then 2%. Cashback reaches up to 2% (0% on debit). Coverage is EEA and UK. You can borrow against collateral without selling and earn interest on the balance.
Wirex Card
Fintech, Visa or Mastercard, custodial, free to issue. Conversion is 1% on load and 0% FX in many countries. ATM gives about €200 free each month, then 2%. Cashback ranges from 0.5% to 8% in WXT. Coverage is EEA, UK, and APAC. Multi-currency support exists; the 8% rate needs a WXT lockup plus a €9.99–29.99 monthly plan.
Xapo Bank Card
Fintech/bank, Visa or Mastercard, custodial under a licensed bank. Issuance requires a bank account. Conversion varies. ATM details are not listed. Cashback is available. Region is global. It functions as a full licensed Bitcoin bank.
Ledger Card
Fintech, Visa, mixes custodial with self-bridge, free to issue. Conversion is by spread. ATM terms vary. Cashback is 1% in BTC. Coverage is US, EEA, and UK. It pairs with the Ledger cold wallet.
Lava Card
Bitcoin credit product. Issuance is free after registration. Conversion carries 0% FX. ATM is not applicable. Cashback reaches up to 5% in BTC. Region is US. You get a Bitcoin credit card without selling BTC.
Xplace Card
Credit, Solana-based (four cards), self-custodial. Issuance varies. Conversion varies. ATM is not applicable. Cashback is available. Region is global. You borrow USDC against crypto collateral.
Avici Card
Credit, Visa (two cards), self-custodial. Issuance, conversion, ATM, and cashback details are not listed. Coverage includes US, LatAm, and APAC. USDC sits in a smart contract that opens a credit line.
Nsave Card
Fintech prepaid, custodial. Issuance details are not listed. Conversion can reach 1.5% FX. ATM is not applicable. Cashback is not offered. Focus is emerging markets. APR or yield on the balance is the feature.
Self-Custodial and DeFi Cards
Funds stay in your wallet until the payment moment, which keeps counterparty risk low.
MetaMask Card
Self-custody Mastercard. Virtual issuance is free; the Metal version costs $199 per year. Conversion is 1% FX (free on Metal) or 0% on Metal. ATM is not applicable. Cashback reaches up to 3% on Metal. Coverage is US, EEA, and UK. You spend straight from MetaMask on Linea, Base, or Solana.
Bleap
Self-custody Mastercard using MPC. Virtual issuance is free. Conversion is 0%. ATM allows about $400 free each month. Cashback is 2% in USDC (up to 20% on gaming). Region is EEA. Pure self-custody, zero FX, no subscription, and support for more than 5,000 assets are the advantages.
ether.fi Cash
Self-custody Visa with Core, Luxe, Pinnacle, and VIP tiers. Virtual is free; metal versions are paid. Conversion depends on the tier. ATM is not applicable. Cashback starts at 3% and higher. Coverage is global plus US and UK. Tiers unlock lifestyle perks such as lounges and hotels.
Gnosis Pay
Self-custody Visa that uses a Safe wallet. Issuance is a one-time €30 fee. Conversion is listed as 0% (some reports mention a disputed ~1.5% stabilization fee). ATM is not applicable. Cashback reaches up to 5% in GNO. Coverage is EEA and UK. Settlement is fully on-chain.
Cypher Card
Self-custody Visa Platinum (two cards). Issuance details are not listed. Conversion varies. ATM is not applicable. Cashback is paid in $CYPR. Coverage reaches more than 150 countries. Support for more than 500 tokens, Apple Pay, Google Pay, and wide reach are the features.
Tria Card
Three self-custody cards. Issuance details are not listed. Conversion varies. ATM is not applicable. Cashback reaches up to 6% (capped). Coverage is EEA, UK, and US. Claims include up to 15% APY and support for more than 1,000 assets.
Payy Card
Self-custody Visa that uses zero-knowledge proofs. Issuance details are not listed. Conversion is 0% on USD and 1% FX. ATM is not applicable. Cashback is not listed. Region is global. Privacy comes from the zero-knowledge proofs.
Plasma One
Self-custody Visa with Lite, Core, and Platinum tiers. Issuance details are not listed. Conversion varies. ATM is not applicable. Cashback is 2–4% in XPL plus yield. Region is global. Focus is stablecoins combined with yield.
Ready Card
Self-custody Mastercard on Starknet. Issuance details are not listed. Conversion varies. ATM is not applicable. Cashback reaches up to 3% in STRK. Coverage is EEA and UK. It is native to the Starknet ecosystem.
Tuyo Card
Self-custody Visa on Base. Issuance details are not listed. Conversion is 0% on USD. ATM is not applicable. Cashback is paid in TUYO. Region is global. Apple Pay and low-cost spends from Base are the pluses.
Jupiter Card
Self-custody Visa virtual. Virtual issuance is free. Conversion varies. ATM is not applicable. Cashback is 2% base and up to 4% with referrals. Coverage is US, LatAm, and APAC. It sits inside the Jupiter/Solana ecosystem.
Solflare Card
Self-custody Visa. Issuance details are not listed. Conversion is 1% FX on USDC. ATM is not applicable. Cashback is not offered. Coverage is EEA and UK. You spend USDC straight from a Solana wallet.
Oobit
Self-custody Visa. Issuance details are not listed. Conversion is 0%. ATM runs at the network rate with no markup. Cashback applies to USDT and OOB. Coverage reaches more than 150 countries. Zero fees and tap-to-pay are the features.
COCA Card
Self-custody Visa built on Wirex infrastructure and non-custodial. Issuance details are not listed. Conversion is 0% FX. ATM is not applicable. Cashback reaches up to 8% with a COCA stake. Coverage is EEA, UK, and APAC. It offers 6% APY on stablecoins plus perks.
1inch Card
Self-custody Mastercard from the DEX aggregator. Issuance details are not listed. Conversion is roughly 0–1%. ATM is not applicable. Cashback is 0–1%. Coverage is EEA and UK. It is DeFi-native from 1inch.
Avalanche Card
Self-custody Visa. Issuance, conversion, and ATM details are not listed. Cashback is not clearly stated. Region is Europe. You spend AVAX and stablecoins under self-custody.
Solayer Card
Self-custody Visa. Issuance details are not listed. Conversion is low. ATM is not applicable. Cashback is tiered. Region is Europe. Integration is with Solana-DeFi.
Monolith Card
Self-custody Visa. Issuance details are not listed. Conversion varies. ATM is not applicable. Cashback is not offered. Region is Europe. It is one of the older self-custody projects.
Stablecoin-Focused and Prepaid Cards
These suit larger spends, travel, and regions where traditional banks are limited.
RedotPay
Stablecoin Visa prepaid. Custody depends on funding method. Virtual costs $10 once; physical costs $100 once. Conversion is 1% on USD and 2.2% on non-USD. ATM is about 2%. Base cashback is none. Coverage reaches more than 100 countries (excludes US, UA, RU). It leads by spend volume and offers high limits.
Kast Card
Stablecoin Mastercard (Bridge/Lead Bank, five-plus cards), custodial. Issuance is tiered (Metal/Gold). Conversion is low on stablecoins. ATM is available. Cashback reaches up to 3% in USD plus KAST points. Reach is very wide. Multi-chain USDC/USDT plus USD/EUR accounts are the features.
Kolo Card
Stablecoin Visa Platinum virtual. Issuance details are not listed. Conversion is 0% FX on stablecoins. ATM is not applicable. Cashback is 2% in BTC. Coverage reaches more than 170 countries. Sign-up works via Telegram or the app.
Plutus
Stablecoin Visa, non-custodial. Plans cost £6.99–19.99 per month. Conversion is 2.5% FX or 0% up to €15k per month. ATM allows €200 free each month. Cashback is 3–9% in PLU with staking. Coverage is UK and EEA. EUR/GBP fiat funding plus perks are available.
Mercuryo Card
Stablecoin Visa or Mastercard, custodial. Issuance varies. Conversion is 1% FX. ATM costs 2% plus €2. Cashback reaches up to 3%. Region is EEA. Fast onboarding and transparent fees are the pluses.
CoinJar Card
Stablecoin Mastercard, custodial, free to issue. Conversion is 1% on purchases. ATM is not applicable. Cashback comes as points up to 2%. Coverage is Australia and UK. The 1% purchase fee is offset by the points.
Venmo (crypto)
Stablecoin Mastercard debit, custodial, free to issue. Conversion varies. ATM is not applicable. Cashback is available. Region is US. Crypto spend sits inside the familiar Venmo app.
YPT Card
Stablecoin multi-chain, custodial. Opening costs $10. Conversion reaches up to 1.2% FX. ATM is not applicable. Cashback is not listed. Region is EU. Limits go up to $100k per transaction with multi-chain top-up.
Geme Card
Stablecoin virtual. Issuance is free after registration. Conversion is 0% at POS. ATM is not applicable. Cashback is available. Coverage reaches more than 170 countries. SEPA top-up and a free virtual card are the features.
Rapidz Card
Stablecoin prepaid, custodial. Issuance is free after registration. Conversion is 2.5% on non-USD. ATM is not applicable. Cashback is not offered. Region is US. Simple prepaid with no thresholds is the feature.
No-KYC, Telegram and Niche Cards
These focus on privacy, regional markets, or Telegram integration.
Mpay Card
No-KYC, non-custodial, self-custodial. Issuance, conversion, ATM, and cashback details are not listed. Region is global. No-KYC, multi-chain support, and a Telegram Mini App are the features.
Trocador Card
No-KYC, non-custodial, self-custodial. Issuance is $2 plus 3% registration. Conversion varies. ATM is not applicable. Cashback is not offered. Region is global. Privacy focus and no-KYC are the points.
Bipa Card
Bitcoin credit on Lightning. Issuance, conversion, and ATM details are not listed. Cashback reaches up to 5% in BTC. Coverage is Brazil plus PIX. Lightning Network plus BTC cashback are the advantages.
Corporate Cards
These target business, KYB, and team spending.
Meow Card
Corporate Business Mastercard, custodial. Issuance is $0 per year. Conversion varies. ATM is not applicable. Cashback is 2.5% on AI spend. Region is US. It is built for business spend.
Whop Card
Corporate virtual EUR, custodial. Issuance is free after registration. Conversion is 0% FX in the EEA. ATM is not applicable. Cashback is not offered. Region is EEA. Corporate euro card is the feature.
How to Choose in 30 Seconds
Fund the card with stablecoins such as USDC or USDT. That step often removes the conversion fee. Cashback paid in a volatile token (CRO, WXT, PLU) can lose value. Cashback in USDC stays predictable. In most countries (US, UK, EU) spending crypto is a taxable event. Custodial cards are simpler but carry counterparty risk. Self-custodial cards are safer yet need a bit more technical know-how.
The full list of more than 350 cards, filterable by country, is at todey.xyz/cards. Everything above is a mid-2026 snapshot. Verify current terms with the issuer before you apply. This is not financial advice. Do your own research.
FAQ
Why do “up to” cashback rates usually deliver less?
The headline number almost always applies only to the top VIP tier that requires staking the platform token. After caps and lower tiers, the effective rate typically lands two to four points below that figure.
Does funding with stablecoins reduce fees?
Yes. Loading USDC or USDT frequently eliminates the conversion fee that applies when other cryptocurrencies are spent.
What is the practical difference between custodial and self-custodial cards?
Custodial cards keep funds on the exchange or provider balance and are simpler to use. Self-custodial cards leave assets in your wallet until the payment moment, which lowers counterparty risk but requires more technical comfort.