5 Best Crypto Debit Cards in 2024

Best Crypto Debit Cards

Crypto debit cards bridge the gap between cryptocurrency and traditional finance, allowing users to spend their digital assets in everyday transactions. Our team evaluated over 35 cards and identified the top 5 options available. We considered factors such as fees, rewards, ease of use, and global acceptance. Below is a comparison table of the best crypto cards.

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1. Bybit

The Bybit Card allows users to spend their cryptocurrency securely across 39 countries across Europe and the Americas. As a Mastercard debit card, it draws funds directly from your Bybit Funding Account, automatically converting crypto to fiat if needed. This card supports over 1,300 cryptocurrencies and is accepted by over 90 million Mastercard merchants worldwide. 

The card offers no annual fees and a rewards program that allows cardholders to earn loyalty points on every transaction. The cashback rate is between 2% for VIP 0 and 10% for Supreme VIP. There is also a rewards market where users can spend their points to redeem cryptos, shopping vouchers (Airbnb, Ikea & Uber) and games. It can be integrated with both Google Pay and Apple Pay. 

• Card Type: Both Physical & Digital Mastercard.
• Supported Countries: 39 Countries.
• Fees: 0.5% - 7% Forex Fees & 0.5% - 0.9% Crypto Conversion Fee.
• Daily Limit: Between $5,000 - $13,500 USD.

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2. Gate.io

The Gate.io Visa card is a versatile payment solution that enables users to seamlessly convert and spend their cryptocurrency at over 80 million Visa-accepting merchants worldwide. Available primarily in the European Economic Area (EEA), the card offers instant crypto-to-fiat conversion, allowing for both online and in-store purchases. 

Users can manage their card, track spending, and access rewards through the Gate app. The card also provides benefits such as 1% cashback on everyday spending and additional perks for VIP users with up to 7% cashback on hotel or flight purchases. There are over 2,100 digital assets available to spend on the Gate card.

• Card Type: Both Digital and Physical Visa Card.
• Supported Countries: 30 Countries.
• Fees: 0.2% - 2% Forex Fees, 0.9% Crypto Conversion Fee & 1% ATM Withdrawal Fee.
• Daily Limit: $26,600 USD.

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3. KuCoin

The KuCard is a crypto Visa card offered by KuCoin, designed to integrate crypto spending into everyday life. With real-time crypto-to-fiat conversion, users can effortlessly use their digital assets for purchases at millions of VISA stores worldwide. The KuCard supports 700 tokens and offers exclusive benefits, such as 4.7% cashback on purchases and discounts at partners. 

It is compatible with Google Pay and Apple Pay, enhancing the convenience of transactions. The KuCard is available to residents of the European Economic Area (EEA) and other select countries, with a simple application process requiring identity verification. Additional rewards include vouchers, gift cards, merchant discounts and access to airport lounges worldwide.

• Card Type: Digital Visa Card.
• Supported Countries: 28 Countries.
• Fees: 2% Forex Fee, Annual Ree of €10 and a one-time fee of €9.99 is charged when a new KuCard is issued. 
• Daily Limit: $22,220 USD.

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4. Binance

The Binance Card is a crypto debit card that enables users to convert and spend their cryptocurrencies at over 60 million merchants worldwide, both online and offline. The card is available to residents in the European Economic Area (EEA) and select other countries, with a straightforward application process that requires identity verification. 

Users can access a virtual Binance Card immediately after ordering, with the option to add it to Apple Pay, Google Pay or Samsung Pay for convenient mobile payments. The physical card typically takes up to 45 days to arrive, and it can be activated via the Binance Card Dashboard. It provides between 0.1% - 8% cashback based on the amount of BNB held.

• Card Type: Physical and Digital Visa Card.
• Supported Countries: 31 Countries.
• Fees: 2% Forex Fee & 2% ATM Withdrawal Fee. Additional conversion fees may apply and will be displayed before completing transaction.
• Daily Limit: $960 for the Virtual Card and $9,600 for the Physical Card.

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5. MEXC

The MEXC MasterCard is available in select countries within the European Economic Area (EEA). This card supports global online shopping through the MasterCard network, offering a simple and secure way to spend crypto. The application process is straightforward, requiring advanced KYC verification, and users can activate the card online immediately upon approval.

With features like 3D Secure (3DS) for enhanced transaction safety and real-time alerts, the card ensures both convenience and security. Users can top up the card with their crypto balance, and it offers competitive transaction fees. There are no cashback rewards for this card.

• Card Type: Digital Mastercard.
• Supported Countries: 32 Countries.
• Fees: 1% Top-up Fee and 2% transaction fee.
• Daily Limit: The single transaction limit is $3,000 USD, the monthly transaction limit is $30,000 USD, and the card capacity is $100,000 USD.

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What is a Crypto Card?

A crypto card is a payment card, similar to a traditional debit or credit card, that allows users to spend cryptocurrency directly or convert it to fiat currency at the point of sale. These cards have gained significant popularity, with Visa reporting that crypto debit cards hit $2.5 billion in the first quarter they were launched. 

They often come with rewards programs, low fees, and compatibility with major payment networks, making them increasingly attractive to both crypto enthusiasts and mainstream consumers looking for flexibility in their payment options. The growing acceptance of cryptocurrency by merchants and improved regulatory clarity have further propelled their adoption.

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How to Choose a Crypto Card

When choosing the best crypto debit card, several key factors should be considered to ensure it meets your financial needs and lifestyle. Start by evaluating the exchange’s security, supported cryptocurrencies, associated fees and rewards or loyalty programs. New investors should review our methodology:

1. Prioritize Exchange Security: Start by evaluating the security protocols of the exchange offering the card. Look for strong measures like cold storage, 2FA, and regular security audits. Ensure the exchange has a solid reputation for reliability and user trust.
2. Consider Geographical Availability: Verify that the card is available and fully functional in your country.
3. Identify Your Crypto Needs: Make sure the card supports the cryptocurrencies you hold and plan to spend.
4. Compare Fees: Check transaction, foreign exchange, and ATM withdrawal fees to minimize your costs.
5. Look at Rewards and Benefits: Consider cards that offer cashback or other perks to enhance your spending value.
6. Make Your Decision: Choose the card that best meets your security, functionality, and cost needs.

By following these steps, you can make an informed decision, selecting a crypto debit card that not only fits your spending habits but also provides robust security for your digital assets.

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Are Crypto Debit Cards Safe?

Crypto cards can be safe to use when issued by reputable providers like Visa or Mastercard and when users follow best practices for security. These cards typically include features like two-factor authentication, encryption, and fraud protection, similar to traditional debit or credit cards. 

However, the safety of a crypto card also depends on the security of the underlying exchange. Users should choose cards from well-established platforms with a strong security and regulatory compliance track record and stay informed about potential risks, such as hacking or unauthorized access, to ensure their funds remain protected.

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Bottom Line

In conclusion, choosing the right crypto debit card in 2024 involves prioritizing exchange security, supported cryptocurrencies, fees, and rewards. The top options include the Bybit Mastercard, Gate.io Visa, KuCoin’s KuCard, Binance Visa, and MEXC Mastercard. By considering these factors, you can find a card that best fits your needs and securely integrates cryptocurrency into your everyday spending.