The world of digital finance continues to evolve, and cryptocurrency debit and credit cards are at the forefront of this transformation. While traditional banks still impose restrictions on crypto transactions, a new wave of financial platforms is bridging the gap between digital assets and everyday spending. These cards allow users to spend crypto seamlessly, earn rewards, access cash at ATMs, and even earn interest—all without selling their holdings.
This guide explores the top crypto debit and credit cards available in 2025, highlighting their features, benefits, and key considerations for users worldwide.
How Crypto Debit and Credit Cards Work
Crypto cards link your digital wallet to a physical or virtual payment card, enabling you to spend cryptocurrency like regular money. Most operate on Visa or Mastercard networks, ensuring global acceptance. When you make a purchase, the platform automatically converts your crypto into fiat currency at the point of sale.
There are two main types:
- Debit Cards: Spend only what you’ve deposited in your account.
- Credit Cards: Borrow against your crypto holdings (without selling them) to access a credit line.
These tools are ideal for users who want to leverage their crypto assets for daily transactions while maximizing rewards and minimizing friction.
👉 Discover how to start using crypto for everyday purchases with a secure, high-reward card.
Top Crypto Cards in 2025
Infini Meow & Rabbit Cards
Infini offers Mastercard/Visa debit cards—Meow Card and Rabbit Card—designed for global crypto users. These cards support Apple Pay, Google Pay, and Alipay, ensuring wide compatibility. They use real-time exchange rates close to Google’s FX data, with minimal foreign transaction fees on small purchases.
Key Features:
- Virtual card available instantly after basic registration ($500 spending limit)
- Unlimited spending after KYC verification (passport required; Chinese ID not accepted)
- Up to 6.62% APY on stored assets via partnerships with secure protocols like Morpho, Usual, and Ethena
- No fees for USDT/USDC to USD conversion
- 1% transaction fee per purchase
- Currency conversion fees: ~1%–1.5% (Meow), or 1% + $0.5 (Rabbit)
Note: Cards cannot be overdrawn. Frequent failed transactions or refunds (over 20%) may result in card suspension. A 2% fee applies to active refunds.
👉 Learn how to earn daily interest while spending your crypto effortlessly.
Nexo Mastercard
The Nexo Mastercard stands out as the only crypto credit card that lets you spend without selling your assets. By collateralizing your crypto, you gain access to a flexible credit line—up to $2 million depending on your holdings.
Benefits:
- Supports around 20 major cryptocurrencies as collateral
- Earn cashback in crypto: 2% in NEXO, 0.5% in BTC, or other supported tokens
- No annual or monthly fees
- Free ATM withdrawals (1/month for basic, 10/month for Platinum)
- Interest rates start at 0%, based on tier
- Backed by Credissimo and compliant with FinCEN regulations
This card is perfect for long-term holders who want liquidity without exiting positions.
Crypto.com Metal Card
With over 10 million users globally, Crypto.com offers one of the most rewarding card programs. The metal prepaid Visa card delivers up to 8% cashback on purchases like Netflix, Spotify, Airbnb, and Uber.
Features:
- Rewards scale with CRO staking level (top-tier Obsidian requires $400K in CRO)
- Free airport lounge access at 1,000+ locations across 400 airports
- Up to $1,000 monthly ATM withdrawal fee rebates
- No annual or monthly fees for CRO stakers
- App integration with Apple Pay, Google Pay, and real-time spending analytics
Crypto.com excels for frequent travelers and high-spending users seeking premium benefits.
Coinbase Card
The Coinbase Card is a Visa debit card that lets you spend directly from your crypto portfolio and earn up to 4% cashback in crypto rewards.
Pros:
- Instant conversion of any crypto to USD at checkout
- Works anywhere Visa is accepted
- No registration, monthly, or annual fees
- Real-time transaction alerts and two-factor security
- Freeze card instantly via app
Drawbacks:
- 1% fee on ATM withdrawals over £200/€200 monthly
- 2% foreign transaction fee outside the U.S.
Ideal for Coinbase users who want seamless integration between trading and spending.
Uphold Debit Card
Uphold offers both virtual and physical Mastercard options that support crypto, fiat, commodities, and precious metals.
Standout Features:
- Earn 4% cashback in XRP on every purchase
- No activation or annual fees
- FCA-regulated (UK Financial Conduct Authority)
- Integrates with Apple Pay and Google Pay
- Real-time spending analytics dashboard
This card is excellent for users diversifying beyond pure crypto into multi-asset portfolios.
Gemini Credit Card
Gemini’s credit card delivers real-time rewards—a rare feature in the industry. You earn:
- Up to 3% back on dining
- Up to 2% on groceries
- Up to 1% on all other purchases
Rewards are instantly credited to your Gemini account in crypto. Issued by WebBank, it’s a metal Visa card with 24/7 customer support and full app control.
You don’t need to be an active trader to apply, but you’ll need a Gemini account to receive rewards.
Other Notable Mentions
- Spend It: A no-KYC virtual Visa card funded via ETH, BTC, USDC, or USDT. Load $50–$750 and start spending within minutes. Works with MetaMask and supports Apple Pay.
- Dupay: A compliant prepaid card service supporting TRC20, BEP20, and Polygon networks. Convert USDT to USD/EUR/GBP for global spending.
- Choise: Offers virtual and plastic cards with fast issuance. Supports 36 cryptos and 150+ fiat currencies. Daily limit: €5,000.
- Swipes: NFC-enabled physical cards with up to 5% cashback (100% on select platforms). Requires SXP staking with a 6-month lock-up.
- SoFi Credit Card: Earn 2% cashback; rewards can be redeemed as Bitcoin or Ethereum. Competitive APRs with on-time payment incentives.
Frequently Asked Questions (FAQ)
Q: Do I need to sell my crypto to use these cards?
A: For debit cards, your crypto is converted at point of sale—but you don’t manually sell it. Credit cards like Nexo let you borrow against your holdings without selling.
Q: Are crypto cards safe?
A: Yes, most are issued by regulated institutions and offer features like instant freeze, two-factor authentication, biometric verification (Touch ID), and fraud monitoring.
Q: Can I use these cards internationally?
A: Absolutely. Cards based on Visa or Mastercard networks work globally—in stores, online, and at ATMs.
Q: How do I earn rewards?
A: Most cards offer cashback in crypto (e.g., 2% in BTC or NEXO). Some distribute rewards instantly (Gemini), while others accrue daily or monthly.
Q: Is KYC required?
A: Most platforms require KYC for full functionality. However, some (like Spend It) offer limited no-KYC options.
Q: Can I withdraw cash from ATMs?
A: Yes—most cards support ATM withdrawals in local currency. Limits and fees vary by provider.
Final Thoughts
Choosing the right crypto card depends on your goals:
- Want maximum rewards? Go with Crypto.com (up to 8%).
- Need credit without selling assets? Choose Nexo.
- Prefer instant rewards? Gemini leads the pack.
- Looking for no-KYC flexibility? Try Spend It or Volet.com.
- Seeking high APY + spending freedom? Infini offers compelling yields up to 6.62%.
As adoption grows, these financial tools are making crypto spending more accessible, secure, and rewarding than ever before.
👉 Start earning more from every purchase—explore top-tier crypto card benefits today.