Discover the Top Crypto Cards of 2026 - The Ultimate Guide to Secure and Convenient Spending

Xapo Bank is a fully licensed private bank and Virtual Asset Service Provider (VASP), regulated by the Gibraltar Financial Services Commission (GFSC). With the Xapo Bank debit card, members can spend globally in USD & BTC for purchases and ATM withdrawals. There are no hidden fees on card payments, including foreign transactions. Cashback is unlimited and up to 1% on every transaction in Bitcoin. The card comes with high spending limits and is available in 100+ countries.

The global debit card is one of the many benefits of Xapo Bank’s premium membership ($1000 USD annually). Notable benefits include the Xapo Bank app, trusted BTC storage since 2013, BTC-backed loans up to 1 million USD, savings on BTC trading fees, setting up beneficiaries, earnings in BTC on BTC and USD savings, among others.

Crypto.com is one of the world's leading cryptocurrency platforms, serving over 100 million users globally. The Crypto.com Visa Card allows users to spend their crypto holdings anywhere Visa is accepted, with instant conversion to fiat currency at the point of sale.

The card offers tiered rewards based on CRO staking levels, with cashback rates ranging from 1% to 5% on all purchases. Higher tier cardholders enjoy additional benefits including free Spotify, Netflix, and Amazon Prime subscriptions, as well as airport lounge access and exclusive member rewards.

Crypto.com emphasizes security with features like two-factor authentication, biometric login, and cold storage for the majority of user funds. The platform is regulated in multiple jurisdictions and maintains comprehensive insurance coverage for digital assets held in custody.

Beyond the card, Crypto.com offers a full suite of crypto services including trading, staking with competitive APY rates, DeFi wallet integration, and NFT marketplace access. The ecosystem is powered by the native CRO token, which provides additional utility and rewards throughout the platform.

Ready is a self-custodial crypto neobank alternative. Their mobile app lets you buy Bitcoin and stablecoins easily, earn yield, and spend stablecoins with the Ready Card. It bridges the gap between crypto investing and everyday spending.

Ready is the easiest way to earn yield on Bitcoin. You can stake Bitcoin natively or through liquid staking, earning staking rewards directly in the app. You can borrow USDC against your Bitcoin at low variable interest rates (~0.08%) while your Bitcoin collateral continues to earn yield (~2.5%). The borrowed USDC can be spent instantly with the Ready Card, unlocking liquidity without selling a single satoshi. You can also lend Bitcoin to earn passive income. All three features are fully self‑custodial and integrated into Ready.

The Ready Card lets you spend USDC anywhere Mastercard is accepted. All cards are fully self-custodial and come with 0% FX fees, so you always get the best rate when spending USDC abroad or online.

There are two tiers of Ready Cards: Metal and Lite. Metal is the premium version – it offers 3% cashback and perks like cashback boosts, free bridging, and a beautifully designed physical card. Lite is free, but still includes essential features.

Ready makes self-custody simple. They’ve been building wallets since 2017 and pioneered features like no seed phrase, social recovery, and subsidising user gas fees. Security features include fraud protection and 2FA, and they’ve never lost customer funds. Their open-source smart contracts are regularly audited and have held over $1B in total value locked. Even Binance, OKX, and Kraken use them for Starknet deposits and withdrawals.

Ready is the next evolution of neobanks. It combines investing, spending, and self-custody in one app. If you’re looking to earn yield on Bitcoin or spend your crypto without fees, Ready is exactly what you need.

The Coinbase Credit Card is exclusively available to Coinbase One members at no added charge. Annual membership starts at $49.99 per year and unlocks a comprehensive suite of benefits designed to maximize your crypto experience.

Key membership benefits include zero trading fees on the first $500 per month in trades (a spread applies), boosted USDC rewards at 3.75% APY on the first $10K (then 3.35%), and 5% more staking rewards on ETH, SOL, and other eligible assets. Members also receive $120 in annual transaction credits, providing $10 per month in sponsored smart wallet gas on Base.

The credit card integrates seamlessly with the Coinbase platform, offering a premium experience for serious crypto users. The card supports Apple Pay and Google Pay for convenient in-store purchases. Users can manage their card through the Coinbase app, tracking spending and accessing all membership benefits in one place.

Terms Apply. Credit card and membership benefits are subject to eligibility requirements. Always verify terms before signing up.

Nexo stands as one of the most established and comprehensive digital asset platforms, serving over 7 million clients across 150+ jurisdictions since 2018. What began as a pioneer in crypto-backed lending has evolved into a full-spectrum wealth platform offering instant credit lines, high-yield savings up to 15% APY, perpetual futures trading, and the award-winning Nexo Card powered by Mastercard.

The platform's crypto-backed Credit Line remains its flagship offering, enabling clients to unlock instant liquidity by borrowing against Bitcoin, Ethereum, and 40+ other digital assets without credit checks or lengthy approval processes. With loan-to-value ratios up to 50% for major cryptocurrencies and borrowing rates starting at 2.9% APR for Platinum tier members, Nexo delivers competitive terms that preserve your crypto exposure while providing necessary liquidity.

Nexo's commitment to security is demonstrated through partnerships with industry-leading custodians including Ledger Vault and Fireblocks, with custody facilities insured via Lloyd's of London and Arch Insurance. The platform combines institutional-grade infrastructure with user-friendly interfaces across web and mobile applications, making sophisticated financial tools accessible to both retail users and institutional clients managing significant portfolios.

Beyond lending, Nexo offers Flexible and Fixed-term Savings products with daily interest payouts, Smart Routing technology that optimizes swap execution across multiple exchanges, and advanced trading tools including perpetual futures with up to 100x leverage on select contracts. The loyalty program rewards NEXO token holders with enhanced rates, reduced fees, and up to 2% crypto cashback on card purchases, creating meaningful incentives for long-term platform engagement.

The Bitcoin.com V-Card bridges the gap between digital currencies and traditional finance, allowing users to spend their crypto assets effortlessly. With support for multiple cryptocurrencies, global merchant acceptance, and robust security features, the V-Card offers a comprehensive solution for everyday spending. VERSE token holders benefit from exclusive perks, making the V-Card an integral part of the Bitcoin.com ecosystem.

Advertiser disclosure: This is sponsored content and we may receive a referral bonus if you apply for the Gemini Credit Card. It does not influence our evaluations or recommendations and our opinions are our own.

The Gemini Credit Card is the only instant* crypto rewards credit card that provides a seamless way for consumers to acquire bitcoin, ethereum, or 50 cryptos back on every transaction.

Cardholders earn 4% back on gas and EV charging**, 3% back on dining, 2% crypto back on groceries, and 1% crypto back on all other purchases, with rewards automatically deposited into their Gemini account.

Additionally, they can change their selected crypto reward as often as they like which allows them to earn a wide variety of cryptocurrencies over the course of each month.

Cardholders will be able to use the Gemini Credit Card anywhere Mastercard is accepted and can choose from among 50+ types of cryptocurrencies currently supported for rewards on Gemini's exchange platform, including bitcoin, ether, dogecoin and other tokens.

Additional features of the Gemini Credit Card include:

No annual fees: The Gemini Credit Card has no annual fee and no foreign transaction fees***. There are no exchange fees to receive crypto rewards****.

Instant access: After approval, customers can instantly access a digital version of their Gemini Credit Card on the Gemini mobile or web application. In addition, consumers can add the card to their mobile wallet and begin making purchases online, in-app, and at the point of sale.

Security-first design: Sensitive information, such as the 16-digit card number, is removed from the physical card and only accessible to cardholders via the Gemini mobile or web application.

Stainless steel: The Gemini Credit Card's sleek, stainless steel card is made from 75% recycled material and is available in three color options including silver, rose gold, and black.

World Mastercard® Benefits: Customers can receive access to exclusive offers with select merchants such as Lyft, Instacart, and ShopRunner, as well as Mastercard's Priceless® Experiences. The Gemini Credit Card will include advanced security features including Mastercard ID Theft Protection™, Zero Liability and Price Protection.

Disclosures:

*Issued by WebBank. Some exclusions apply in which rewards are deposited when the transaction posts.

**4% back is available on up to $200 in spend per month (then 1% on all other Gas at the pump and EV charging purchases that month). Spend cycle will refresh on the 1st of each calendar month.

***Rates & Fees apply.

****Fees may be incurred for selling or converting your crypto rewards.

SolCard offers a seamless bridge between the Solana blockchain and everyday spending. By allowing users to top-up their cards with SOL, SolCard enables quick and easy transactions both online and in physical stores through integration with Apple Pay and Google Pay. With no annual fees and instant issuance, SolCard provides a convenient solution for those looking to utilize their cryptocurrency holdings in daily life.

The platform emphasizes user privacy by not collecting personal information during the card issuance process. Users can enjoy the flexibility of topping up their cards with SOL and benefit from features like easy refunds and a straightforward fee structure. Whether you're shopping online or tapping to pay in-store, SolCard simplifies the process, making it an attractive option for crypto enthusiasts and everyday users alike.

Additionally, SolCard supports a wide range of merchants globally, enhancing its usability across various spending categories. The integration with major mobile payment platforms ensures that users can make purchases effortlessly, aligning with modern payment preferences. Overall, SolCard stands out as a versatile and user-friendly option for integrating cryptocurrency into everyday transactions.

Bitrefill is the go-to platform for anyone looking to use cryptocurrency for everyday purchases. With a vast catalog of gift cards, vouchers, and mobile top-up options, Bitrefill allows users to pay for services and products in over 170 countries using popular cryptocurrencies like Bitcoin, Ethereum, Litecoin, Dogecoin, USDT, and USDC. Its seamless payment process ensures instant delivery, so you can access your gift cards or mobile refills in seconds. Whether you’re topping up your phone, buying groceries, or indulging in entertainment, Bitrefill makes it easy to live on crypto.

One of Bitrefill’s standout features is its ability to operate without requiring registration, allowing users to make purchases anonymously while still ensuring fast and reliable service. For those who frequently shop with crypto, Bitrefill’s rewards program offers a way to earn discounts and cashback, providing additional value for loyal customers. The platform supports a wide range of industries, including retail, gaming, travel, and food delivery, making it versatile enough to cover most of your spending needs. Bitrefill is also committed to expanding its services, constantly adding new brands and countries to its network.

Security and customer satisfaction are at the core of Bitrefill’s operations. The platform uses secure crypto payment processing and does not store sensitive data, ensuring your privacy is always protected. With its intuitive interface and reliable service, Bitrefill has become a trusted choice for crypto enthusiasts looking to integrate digital currency into their daily lives. Whether you’re looking to simplify bill payments or find the perfect gift, Bitrefill provides an efficient, secure, and rewarding solution for crypto-powered transactions.