Best crypto cards in United Kingdom

The Crypto.com Visa Card offers up to 5% CRO cashback, access to airport lounges, and Netflix/Spotify rebates depending on the tier. Stake CRO to upgrade.

The Nexo Card lets you spend your crypto as collateral, borrowing against your assets instead of selling. Earn up to 2% cashback in Bitcoin or NEXO tokens.

The MetaMask Card is a non-custodial Mastercard that spends stablecoins straight from your self-custody MetaMask wallet, with no exchange in the middle. The free virtual card pays 1% back; a metal tier with up to 3% is announced but not yet available to order.

COCA is a self-custodial Visa debit card secured by MPC technology, letting users spend stablecoins directly from a wallet they control while holding a Malta-based IBAN in their own name. Cashback scales from 1% up to 8% depending on how many COCA tokens are staked, with the free entry tier capped at a small monthly limit. The virtual card issues instantly for free and a physical card is available for a small one-time fee.

Kast offers a no-KYC virtual crypto Visa card you can load with USDT, USDC, or other stablecoins. Spend globally with no monthly fee.

The ether.fi debit card lets you earn restaking yield while you spend. Powered by Visa, integrated with EigenLayer restaking protocol.

Plasma One is a non-custodial, virtual-only Visa spending card issued by Rain on the Plasma stablecoin chain, holding USD stablecoins that convert at 0% at the point of sale. It runs a tiered model (Lite, Core, Platinum) where Core and Platinum are unlocked by paying a monthly fee or staking XPL, with cashback scaling from 2% up to 4% paid in XPL. FX fees drop from 1% to 0% at higher tiers, and no physical card is available yet as of mid-2026.

Tria is a self-custodial Visa card that spends USDC and USDT directly from a user-controlled wallet across 150+ countries with 0% FX fees. It comes in three tiers (Virtual, Signature, Premium) carrying monthly fees from roughly $2 to $21, and rewards spending with Tria Points worth an effective 1.5% up to 6% cashback. ATM access is available at about $1 plus 1%, with crypto-to-fiat conversion costing around 0.4%.

Plutus is a DeFi rewards Visa card. Earn up to 3% cashback in PLU tokens, with perks including Netflix and Spotify rebates.

Trustee Plus is a Mastercard tied to a non-custodial crypto wallet where you keep your keys. It converts BTC, ETH, USDT and 30+ assets to euros at the point of sale for roughly 0.5%, pays up to 2% cashback in crypto, and is popular across Ukraine and Eastern Europe.

The Ledger Crypto Life (CL) Card lets you spend BTC, ETH, SOL and stablecoins funded from your Ledger wallet, with 1% cashback in BTC, USDC or USDT depending on your country. It works across the EEA, UK, US and parts of the Americas.

Wirex is a multi-currency card supporting 40+ currencies including 20+ cryptocurrencies. Earn Cryptoback rewards in WXT on every purchase.

Kolo is a virtual Visa Platinum card (issued by Rain) that you top up with crypto such as USDT, BTC or ETH and spend in 60+ countries, with conversion handled automatically at spend time. Unlike its self-custody peers in this batch it is custodial, so the wallet provider controls access to funds. It pays Bitcoin cashback and a 10 USDC activation deposit that is returned as spendable balance; it is not available in the United States.

Tuyo is a self-custodial virtual Visa card that lets users spend USDC (primarily on Base) directly at Visa merchants while holding their own private keys, backed by a US bank account number. It charges no annual, monthly, issuance or FX fees and advertises an unusually high daily spend limit up to $200,000. Instead of crypto cashback it runs a points program (TUYOs) plus a quirky Buy Now Pay Maybe feature and a referral scheme.

RedotPay is a Visa prepaid crypto card from Hong Kong that you top up with BTC, ETH, USDT, USDC or SOL and spend at over 130 million merchants. Virtual issuance costs $10 and the physical card $100, with no monthly fee.

ZEN.com is an EU-regulated multi-currency Mastercard with a built-in crypto on and off ramp. Hold 28 fiat currencies and 13 cryptocurrencies in one account, spend with 0% FX on the top plan, and earn instant cashback at selected partner merchants (there is no flat cashback on everyday spending).

Lava Card is a virtual Visa card tied to Lava's Bitcoin-backed lending platform, funded by depositing USDC on Solana and earning up to 5% cashback in Bitcoin. The product emphasizes self-custody with on-chain proof-of-reserves and charges no monthly, FX, or conversion fees, and is available in 200-plus countries. There is no physical card and no ATM access as of this review.

Jam is a no-KYC virtual Visa card you open with just an email and top up with USDT, spending up to $250,000 a day from a wallet you control. There's no ID check and no bank, but the convenience costs about 4.2% per conversion.

Based Card is a Visa debit card from Based, a self-custodial app built on the Hyperliquid ecosystem, funded with SOL, USDC, or USDT across Arbitrum, Polygon, and Solana. Cashback ranges from 2% to 4% paid in the BASED token, with higher tiers adding perks such as airport lounge access and streaming credits but requiring a stake of $500 or more to issue a card. Virtual cards are free while physical metal cards cost around $50.

KeyOne is a non-custodial virtual Visa you issue inside a Telegram bot and add straight to Apple Pay, topping up with USDT or USDC from a wallet whose keys never leave your device. The free Basic plan charges 0.8% per top-up (0% on the €120/year Premium), and you can spend in 200+ countries.

Banxe is a UK-focused all-in-one crypto and fiat account whose debit card is currently available only to UK residents and settles primarily in GBP. It advertises no annual, monthly or issuance fees and up to 2% cashback capped at 50 GBP per month, with a 10,000 GBP daily transaction limit and 3D Secure protection. The offering is a physical card without a dedicated IBAN or Apple Pay support.

Spritz Finance is a US-based crypto payments app whose Visa card is issued through Pathward and funded directly from a self-custodied wallet in real time. It supports a very broad range of assets across many chains and charges no monthly, issuance or FX fees, with crypto-to-USD conversion advertised from about 0.5% up to roughly 2%. The newer premium tier adds a physical card and up to 5% cashback on travel, dining and hotels. It is available in 140-plus countries.

Payy is a non-custodial, virtual-only Visa card built on private stablecoin payment infrastructure, letting users spend USDC and USDT directly from a self-custodied wallet across 230+ countries. It charges no annual or issuance fees, a 1% FX markup and 0% conversion (gas only), with Apple Pay support. Instead of cashback it runs a points program that rewards holding a balance and pays 10,000 points per referral. There is no physical card, IBAN, or ATM access.

The Xapo Card is a premium metal debit card bundled with Xapo Bank membership, spending BTC, USD, USDC and USDT with a USD account issued in the holder's name. It stands out for near-frictionless spending: 0% FX, only a ~0.1% BTC/fiat spread, free ATM withdrawals up to $100/month, and Bitcoin cashback of up to 1%, all backed by very high spending limits and 100+ country coverage. The trade-off is the steep annual membership (~$1,000), which makes it a fit for high-balance users rather than casual spenders.

Tevau is a Hong Kong-licensed crypto spending app offering a USDT-funded card usable anywhere Visa is accepted, with a EUR Mastercard variant also available. Virtual cards issue instantly after KYC, while a physical card costs about 100 USD to order. It is custodial, supports only USDT across Arbitrum, BSC and Tron, and charges roughly a 1% top-up plus a 1.2% FX and 1.9% ATM fee. There is no cashback, but the card reaches 200-plus countries.

Onboard offers USD-denominated virtual prepaid cards funded from stablecoins or local currency and usable wherever Visa is accepted, aimed at cross-border spenders in emerging markets. It supports USDC and USDT across Ethereum, Polygon, BSC and Tron, with a low ~0.35% conversion cost but a 2% plus 0.5 USD fee on non-USD transactions and a small 3 USD issuance fee. A 10 USD welcome bonus and referral rewards are available, and coverage spans 190-plus countries. There is no cashback beyond occasional promotional campaigns.

THORWallet Card is a non-custodial, self-custody Mastercard tied to THORWallet's multichain DeFi wallet, spending stablecoins with no top-up fee and instant on-chain conversion. It comes in tiered plans (Basic, Premium, Swiss Banking) whose FX markups range from 0.5% to 1.5%, with a Swiss IBAN and up to 2% cashback on the Premium tier. Staking the $TITN token unlocks fee rebates, and it is available in 175+ countries including the US. Virtual cards ship on all tiers; physical cards are Premium-only.

The Bitcoin.com V-Card is a prepaid physical card from Bitcoin.com that lets users load and spend several cryptocurrencies, including BTC, ETH, USDT, USDC, and TON, converted to euros. It carries relatively high costs, with a 75 EUR issuance fee, a 1 EUR monthly fee, and 2% charges on both currency conversion and ATM withdrawals, and it offers no cashback. The card supports Apple Pay and is available in 170-plus countries.