Best crypto cards in United States

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 Coinbase Card is a Visa debit card linked to your Coinbase account. Earn up to 4% crypto back on purchases. Available in US and select EU countries.

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.

Tangem Pay turns Tangem's hardware wallet into a Visa card: your USDC stays on-chain in a contract you control until you tap, so no company holds your funds. It's free to issue, live in about five minutes, with an FX markup on non-USD spend.

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%.

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.

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.

Phantom Cash is a virtual prepaid Visa card built into the Phantom wallet that keeps funds on-chain on Solana until the moment of purchase, so users retain self-custody until they spend. Issued via Lead Bank, it adds to Apple Pay and Google Pay and requires identity verification, which also unlocks bank transfers and on/off-ramps. It currently launched to US users only, with no cashback and no physical card at this stage.

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.

Fold is a Bitcoin rewards debit card. Earn BTC on every purchase with a physical Visa debit card. Available only in the United States.

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).

The Gemini Credit Card is a US-only World Elite Mastercard issued by WebBank that pays rewards instantly in a choice of 50+ cryptocurrencies deposited to a linked Gemini account. It carries no annual fee and no foreign transaction fee, earning up to 4% back on gas, EV charging and transit, 3% on dining, 2% on groceries and 1% on everything else. As a true credit card it requires a credit check (roughly 670+ score), and rewards conversion carries an approximate 1.74% spread.

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.

The BitPay Prepaid Mastercard lets you convert your crypto to dollars and spend anywhere Mastercard is accepted in the US.

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.

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.

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.

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.

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.