Crypto Credit Card Comparison

Comprehensive guide to crypto-backed and crypto rewards credit/debit cards

Source of truth note: Current Score values are generated from the visible columns in CRYPTO_CARDS.md via scripts/sync_table_scores.js (2026-04-visible-columns-v3). If a long-form section below mentions older rankings or manual bonuses, trust the main comparison table.

Current generated snapshot: EtherFi Cash (92, Self-custody DeFi, 🟢), Ethena Pay (84, Non-US AVAX-cashback spend card (47 listed jurisdictions; EU coming soon), 🟢), Bleap (83, MPC self-custodial wallet, Mastercard (custody labelled CeFi: issuing bank and card funding path not stated), 🟢), and Plasma One (81, USDT spend card, 🟢). Regenerated from CRYPTO_CARDS.md by scripts/sync_table_scores.js using methodology 2026-04-visible-columns-v3.

Current Top Rows (generated)

Last Updated: October 17, 2026 (market sweep: see sweep log; re-check of issuer pages on 2026-10-15, see Recheck log; earlier Oct 2026 issuer-source verification: see Verification Log. Custody: KAST, 1inch, Jupiter, CryptoSpend/Wayex, CoinJar, Spendly, Bitget Wallet Card, and Nummus Wallet Card are CeFi/card-platform; OKX Card is Exch because OKX Pay holds the balance.)

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Custody Model Taxonomy

WalletRadar intentionally keeps three primary custody labels for crypto cards, but the labels classify the card spend path, not the provider's broader wallet marketing.

Hybrid products should be classified by the actual card spend path. If a product includes a non-custodial wallet but requires users to deposit, convert, preload, or transfer assets into a card balance before spending, the primary label is 📋 CeFi. The non-custodial wallet integration can be documented in notes, but it should not earn the self-custody custody signal unless official card docs say assets remain user-controlled until authorization or purchase.

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Card Categories

By Card Type

Credit Cards

• EtherFi Cash - Non-custodial DeFi credit card
• Gemini Credit Card - Traditional credit card with crypto rewards
• Nexo Card - Crypto-backed credit line
• Tria Card - Self-custodial Visa credit card (1,000+ cryptos)
• Avici Money - Collateral-backed Visa credit card

Debit Cards

• MetaMask Card - Self-custodial Mastercard debit card
• Solflare Card - Self-custody Solana debit card (UK/EEA)
• Kast Card - Stablecoin Visa debit card (partner-custody, tiered rewards)
• ThorWallet Card - Non-custodial Mastercard with Swiss IBAN
• Amp Pay Black Card - Solana-powered debit card
• Payy Card - Privacy-preserving Visa debit card
• Coinbase Card - Debit card with instant crypto rewards
• Crypto.com Visa - Prepaid debit card with tiered rewards
• Binance Card - Debit card with BNB rewards (Brazil only)
• Wirex Card - Multi-crypto debit card
• Uphold Card - Multi-crypto debit card (US, UK, EU)
• Plutus Card - EU/UK debit card
• Swissborg Card - EU debit card
• Fold Card - Bitcoin rewards debit card
• CoinJar Card - Australia Bitcoin rewards card
• CryptoSpend Card - Australia multi-crypto rewards card (Wayex custodial app/card)
• Kontigo Card - USDC neobank card (Discontinued Jan 2026)

Prepaid Cards

• Tuyo Card - Self-custodial Visa prepaid (USDC on Base)
• Fuse Wallet Card - Virtual Visa prepaid (Solana smart wallet)
• Spendly Card - Privacy-focused virtual prepaid cards
• BitPay Card - Bitcoin prepaid card
• Shakepay Card - Canada Bitcoin rewards prepaid card

By Reward Currency

Bitcoin Rewards

• Fold Card
• Shakepay Card
• Kontigo (10% BTC - Discontinued)
• BitPay Card (spending, not rewards)

Multi-Crypto Rewards

• EtherFi Cash (ETH, BTC, Stables)
• MetaMask Card (MetaMask Rewards points + crypto cashback)
• Tria Card (TRIA tokens - up to 6%)
• ThorWallet Card (Multi-currency support, no cashback currently)
• Amp Pay (Multi-crypto, no cashback)
• Coinbase Card (BTC, ETH, others)
• Gemini Card (BTC or 50+ cryptos)
• Wirex Card (USD cashback)
• Uphold Card (XRP, BTC, ETH, others)
• CryptoSpend Card (BTC, ETH, others)

Stablecoin-Focused (No Traditional Rewards)

• Kast Card (Kast Points - 1.5-3% cashback by tier)
• Solflare Card (No cashback, raffle rewards until Feb 2026)
• Fuse Wallet Card (No rewards)
• Payy Card (No rewards - privacy-focused)
• Tuyo Card (TUYO tokens)
• Spendly Card (No rewards)
• Avici Money (No rewards - collateral model)

Token-Specific Rewards

• Crypto.com Visa (CRO)
• Binance Card (BNB)
• Nexo Card (NEXO)
• Plutus Card (PLU)
• Swissborg Card (CHSB)

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Detailed Card Reviews

Coinbase Card

Website: coinbase.com/card

Overview: The Coinbase Card is a debit card that allows users to spend crypto and earn crypto rewards. It's linked directly to your Coinbase account.

Key Features:

• Instant crypto rewards (no waiting for statement)
• No credit check required
• Supports multiple cryptocurrencies
• US-only availability
• Business Support: ❌ Personal only

Rewards Structure:

• Base: 1% cash back in crypto
• Coinbase One subscribers: Up to 4% cash back
• Rewards paid in BTC, ETH, or other supported cryptos

Fees:

• Annual Fee: TBD
• Foreign Transaction Fee: TBD
• ATM Fee: Standard ATM fees may apply
• Crypto Conversion: Spread fees apply

Requirements:

• Coinbase account
• US residency
• KYC verification

Best For:

• Coinbase users who want simple crypto rewards
• Users who prefer debit cards over credit cards
• Those who want instant rewards

Limitations:

• US only
• Requires Coinbase account
• Debit card (no credit building)

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Crypto.com Visa Card

Website: crypto.com/cards

Overview: The Crypto.com Visa Card is a prepaid debit card with tiered rewards based on CRO token staking. Higher staking tiers unlock better rewards and perks.

Business Support: ✅ Yes (Crypto.com Business accounts available)

Key Features:

• Tiered reward system (0.5% to 8%)
• Additional perks at higher tiers (Netflix, Spotify, etc.)
• Global availability (varies by region)
• Prepaid debit card

Rewards Structure:

• Midnight Blue: 0.5% cash back (no stake required)
• Ruby Steel: 2% cash back ($400 CRO stake)
• Royal Indigo/Jade Green: 3% cash back ($4,000 CRO stake)
• Frosted Rose Gold/Icy White: 5% cash back ($40,000 CRO stake)
• Obsidian: 8% cash back ($400,000 CRO stake)

Additional Perks (Higher Tiers):

• Netflix/Spotify rebates
• Airport lounge access
• Higher ATM withdrawal limits
• Crypto.com Exchange fee discounts

Fees:

• Annual Fee: TBD
• Foreign Transaction Fee: TBD
• Staking Lock: 6 months (for staking tiers)

Requirements:

• Crypto.com account
• CRO staking for higher tiers (optional for base tier)
• KYC verification

Best For:

• Users willing to stake CRO for better rewards
• Those who want additional perks (Netflix, Spotify, etc.)
• Global users (availability varies)

Limitations:

• 6-month staking lock for tier benefits
• CRO token value volatility risk
• Prepaid card (no credit building)

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Gemini Credit Card

Website: gemini.com/credit-card

Overview: The Gemini Credit Card is a traditional credit card that earns crypto rewards. It's issued by WebBank and offers flexible crypto reward options.

Business Support: ❌ Personal only

Key Features:

• Traditional credit card (builds credit)
• Choice of BTC or 50+ cryptos as rewards
• No annual fee
• US-only availability

Rewards Structure:

• Base: 1% cash back
• Category bonuses: Up to 4% in specific categories
• Rewards paid in BTC or another supported crypto (user choice)

Fees:

• Annual Fee: $0
• Foreign Transaction Fee: 0%
• Standard credit card interest rates apply

Requirements:

• Credit check required
• US residency
• Gemini account
• KYC verification

Best For:

• Users who want to build credit
• Those who prefer credit cards over debit cards
• Gemini exchange users

Limitations:

• US only
• Requires credit check
• Credit card interest if balance carried

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Nexo Card

Website: nexo.com/card

Overview: The Nexo Card is a crypto-backed credit card that uses your crypto holdings as collateral for a credit line. Available in EU and UK.

Business Support: ✅ Yes (Nexo Business accounts available)

Key Features:

• Crypto-backed credit line
• No credit check required
• Spend without selling crypto
• EU/UK availability

Rewards Structure:

• Up to 2% cashback ✅ Verified
• Additional rewards in NEXO tokens (for NEXO holders)
• Dual-mode: Debit Mode (spend digital assets) and Credit Mode (borrow against crypto)

Fees:

• Annual Fee: $0 ✅ Verified (No monthly/annual/inactivity card fees)
• Foreign Transaction Fee: 0% (FX/ATM terms vary by tier and region)
• Interest on credit line (varies by collateral)

Requirements:

• Nexo account
• Crypto collateral
• EU/UK residency
• KYC verification

Best For:

• Users who want to spend without selling crypto
• EU/UK residents
• Those with crypto holdings to use as collateral

Limitations:

• EU/UK only
• Requires crypto collateral
• Credit line interest rates

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Binance Card

Website: binance.com/en/cards

Overview: The Binance Card is a debit card linked to your Binance account, offering BNB rewards and instant crypto-to-fiat conversion.

Business Support: ✅ Yes (Binance Business accounts available)

Key Features:

• Instant crypto-to-fiat conversion
• BNB rewards
• Global availability (varies by region)
• Debit card

Rewards Structure:

• Up to 8% cash back (varies by BNB holdings)
• Rewards paid in BNB

Fees:

• Annual Fee: $0
• Foreign Transaction Fee: 0%
• Conversion fees may apply

Requirements:

• Binance account
• KYC verification
• Availability varies by region

Best For:

• Binance exchange users
• Global users (where available)
• Those holding BNB

Limitations:

• Availability varies by region
• Requires Binance account
• Debit card (no credit building)

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Wirex Card

Website: wirexapp.com/card

Overview: The Wirex Card is a multi-crypto debit card. As of 2026-10-15 the issuer's page (wirex.one) advertises Wirex One: "up to 8% cashback in USD on every purchase", "Zero-fee FX and ATM worldwide" and availability in "130+ countries". Secondary reports (SpendNode, June 2026) say the older WXT rewards and paid subscription tiers were replaced by a WPAY-based membership; wirex.one did not state this, so the annual/monthly fee is shown as TBD.

Business Support: ✅ Yes (Wirex Business accounts available)

Key Features:

• Multi-crypto support
• Cryptoback™ rewards (up to 8%)
• Global availability (varies by region)
• Debit card

Rewards Structure:

• Up to 8% cashback, paid in USD (wirex.one, 2026-10-15). Older "Cryptoback" in WXT: superseded per secondary reports.

Fees:

• Annual / monthly fee: TBD (older table said €0-€29.99/mo; not stated on wirex.one)
• Foreign Transaction Fee: 0% ("Zero-fee FX", wirex.one)
• ATM: "fee-free ATM withdrawals worldwide" (wirex.one; limits not stated)
• Cardano Card (issued by Wirex): ends 2026-10-31 as Wirex drops custody, per Altcoin Buzz 2026-10-13 quoting the card's official X account (secondary; X post not fetched)

Requirements:

• Wirex account
• KYC verification
• Availability varies by region

Best For:

• Multi-crypto users
• Global users (where available)
• Those wanting USD-denominated cashback

Limitations:

• Availability varies by region
• Requires Wirex account
• Debit card (no credit building)

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Fold Card

Website: foldapp.com

Overview: The Fold Card is a Bitcoin rewards debit card available in the US, offering rotating category bonuses.

Business Support: ❌ Personal only

Key Features:

• Bitcoin-only rewards
• Rotating category bonuses
• US-only availability
• Debit card

Rewards Structure:

• Base: 1% in Bitcoin
• Rotating categories: Up to 5% in Bitcoin
• Rewards paid in BTC

Fees:

• Annual Fee: $0
• Foreign Transaction Fee: 0%

Requirements:

• US residency
• KYC verification

Best For:

• Bitcoin-focused users
• US residents
• Those who want Bitcoin-only rewards

Limitations:

• US only
• Bitcoin rewards only
• Debit card (no credit building)

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Plutus Card

Website: plutus.it

Status: ✅ Active (✅ Verified December 2025)

Overview: The Plutus Card is a debit card available in EU and UK, offering PLU token rewards. Base rate is 3%, can climb to 9% via loyalty tiers.

Business Support: ❌ Personal only

Key Features:

• PLU token rewards (PLUS Rewards)
• EU/UK availability
• Debit card
• No fees ✅ Verified ("No fees. No Catch.")

Rewards Structure:

• 3% base cash back ✅ Verified
• Up to 9% via loyalty tiers ✅ Verified
• Rewards paid in PLU token (PLUS Rewards)
• Additional perks with PLU staking
• Up to £10 back monthly at 50+ Perks ✅ Verified

Fees:

• Annual Fee: £0 ✅ Verified
• Foreign Transaction Fee: 0%

Requirements:

• EU/UK residency
• KYC verification

Best For:

• EU/UK residents
• Those interested in PLU token
• Debit card users

Limitations:

• EU/UK only
• Requires Plutus account
• Debit card (no credit building)

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Swissborg Card

Website: swissborg.com

Status: ⚠️ Verification Required - /card returns 404 in headless Chromium.

Overview: The Swissborg Card is referenced in older materials, but the official site does not surface a card product page. Treat details as unverified until a current card page is published.

Business Support: ❌ Personal only

Key Features:

• CHSB token rewards
• EU availability
• Debit card

Rewards Structure:

• 1-2% cash back
• Rewards paid in CHSB token

Fees:

• Annual Fee: TBD
• Foreign Transaction Fee: TBD

Requirements:

• EU residency
• KYC verification

Best For:

• EU residents
• Swissborg ecosystem users
• Those interested in CHSB token

Limitations:

• EU only
• Requires Swissborg account
• Debit card (no credit building)

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Shakepay Card

Website: shakepay.com/card

Status: ✅ Active (✅ Verified December 2025)

Overview: The Shakepay Card is a Bitcoin rewards debit card available in Canada.

Business Support: ❌ Personal only

Key Features:

• Bitcoin-only rewards
• Canada-only availability
• Debit card
• No credit checks ✅ Verified

Rewards Structure:

• Up to 1.5% cash back in Bitcoin ✅ Verified
• Rewards paid in BTC
• Automatically settled to bitcoin balance in Shakepay account

Fees:

• Annual Fee: $0 ✅ Verified (No annual fees)
• Foreign Transaction Fee: 0%

Requirements:

• Canada residency
• KYC verification

Best For:

• Canadian residents
• Bitcoin-focused users
• Debit card users

Limitations:

• Canada only
• Bitcoin rewards only
• Debit card (no credit building)

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BitPay Card

Website: bitpay.com/card

Overview: The BitPay Card is a prepaid debit card that allows spending Bitcoin, available in the US.

Business Support: ✅ Yes (BitPay Business accounts available)

Key Features:

• Bitcoin spending
• US-only availability
• Prepaid card

Rewards Structure:

• No cash back rewards
• Focus on Bitcoin spending utility

Fees:

• Annual Fee: $0
• Foreign Transaction Fee: 0%

Requirements:

• US residency
• KYC verification

Best For:

• Bitcoin users who want to spend BTC
• US residents
• Prepaid card users

Limitations:

• US only
• No rewards program
• Prepaid card (no credit building)

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Uphold Card

Website: uphold.com

Status: ⚠️ Verification Required - /card and /debit-card time out in headless Chromium.

Overview: The Uphold Card has been listed historically, but current card landing pages time out in headless Chromium. Treat all card details as unverified until Uphold publishes an active card page.

Business Support: ✅ Yes (Uphold Business accounts available)

Key Features:

• Multi-crypto rewards (XRP, BTC, ETH, others)
• Tiered rewards (1-4%)
• Global availability (varies by region)
• Debit card

Rewards Structure:

• Base: 1% cash back
• Higher tiers: Up to 4% cash back
• Rewards paid in XRP, BTC, ETH, or other supported cryptos

Fees:

• Annual Fee: TBD
• Foreign Transaction Fee: TBD

Requirements:

• Uphold account
• US, UK, or EU residency (varies)
• KYC verification

Best For:

• Multi-crypto users
• XRP holders
• Global users (where available)

Limitations:

• Availability varies by region
• Requires Uphold account
• Debit card (no credit building)

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CoinJar Card

Website: coinjar.com/au/card

Status: ✅ Active (✅ Verified February 2026)

Overview: The CoinJar Card is a crypto debit card for Australia. The official AU card page confirms no monthly fees and rewards points on spend.

Business Support: ❌ Personal only

Key Features:

• Rewards points on every purchase (1% transaction fee returned)
• Australia-only availability
• Mastercard debit card (digital + physical)

Rewards Structure:

• 1% transaction fee returned as CoinJar Rewards points

Fees:

• Annual Fee: $0
• Purchase fee: 1% (returned as Rewards points)
• ATM withdrawal: 1%
• Foreign Transaction Fee: 2.99%

Requirements:

• Australia residency
• CoinJar account
• KYC verification

Best For:

• Australian residents
• Bitcoin-focused users
• Debit card users

Limitations:

• Australia only
• Bitcoin rewards only
• Debit card (no credit building)

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CryptoSpend Card

Website: cryptospend.com.au (no response 2026-10-17); current site wayex.com

Overview: The CryptoSpend Card is a multi-crypto rewards debit card available in Australia.

Business Support: ❌ Personal only

Key Features:

• Multi-crypto rewards
• Australia-only availability
• Debit card

Rewards Structure:

• 1% cash back in crypto
• Rewards paid in BTC, ETH, or other supported cryptocurrencies

Fees:

• Annual Fee: $0
• Foreign Transaction Fee: 0%

Requirements:

• Australia residency
• CryptoSpend account
• KYC verification

Best For:

• Australian residents
• Multi-crypto users
• Debit card users

Limitations:

• Australia only
• Requires CryptoSpend account
• Debit card (no credit building)

Custody Model: 📋 CeFi / custodial app wallet. June 2026 recheck moved this from self-custody because official Wayex materials describe Wayex as a custodial wallet where the user does not see the private key; Wayex also advertises optional self-custody for advanced users, but the card row tracks the default card/app spending model.

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EtherFi Cash

Website: ether.fi/cash

Status: ✅ Active (✅ Verified January 2026 via browser automation)

Overview: EtherFi Cash is a DeFi-native, non-custodial crypto credit card. It allows users to borrow against and spend their ether.fi balance in the real world without selling their crypto. Available for individuals, families, and businesses.

Business Support: ✅ Yes (Corporate cards available for crypto-native businesses)

Key Features:

• Non-custodial: Your crypto remains in your control ✅ Verified
• Crypto-backed credit: Borrow against your ether.fi balance
• No monthly minimums: Repay anytime
• No spending limits: All tiers have no spending limits
• Apple Pay & Google Pay: Contactless payments supported ✅ Verified
• Global acceptance: Over 100 million locations worldwide
• Family cards: Coming soon (family member cards with controls)
• Virtual & Physical cards: Multiple cards per account

Rewards Structure:

Current Promotion: 3% cashback on ALL purchases until December 31

Fees:

• Annual Fee: $0 ✅ Verified (Free Club membership)
• Foreign Transaction Fee: 1% (0% for VIP tier) ✅ Verified
• ATM Fee: 2% ✅ Verified
• Monthly minimums: None ✅ Verified

Cardholder Benefits:

• Airport Companion lounge access (all tiers)
• Concierge service (all tiers)
• Priority 24/7 support (Luxe+)
• Crypto conference lounge access (Luxe+)
• Exclusive hotel discounts up to 65% (all tiers)
• Event passes - crypto, sports, and more (Pinnacle+)
• Crypto concierge (Pinnacle+)
• EtherFi Ventures Access (VIP only)

Purchase Protection & Insurance:

• Price protection: Up to $2K
• Purchase protection: Up to $10K
• Extended warranty: Up to $10K
• Auto rental insurance: ✅
• Baggage delay coverage: Up to $500
• Baggage loss coverage: Up to $1K

Referral Program:

• 1% Cashback on referral purchases
• 10% points on referral deposits

Supported Assets:

• ETH (Ethereum)
• BTC (Bitcoin)
• Stablecoins (value-accruing stables)
• Other ether.fi ecosystem assets

Requirements:

• EtherFi account (join The Club for free)
• KYC verification
• No credit check required (crypto-backed)

Best For:

• DeFi users who want a self-custody spend path
• Users who want to spend without selling crypto
• Businesses needing corporate crypto cards
• Users seeking full control over their funds

Limitations:

• Requires ether.fi ecosystem participation
• 1% FX fee (not 0% like some competitors)
• Some features marked as "coming soon" (family cards, event passes)

Custody Model: 🔐 Self-custody spend path

• Your crypto stays in your control
• Card is issued separately from ether.fi protocol

Historical Score Breakdown (legacy manual 85 points):

Note: Ether.Fi Cash card is not affiliated with the ether.fi protocol and issued subject to separate terms provided by Issuer.

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MetaMask Card

Website: metamask.io/card

Status: ✅ Active (Launched April 2025, global rollout Q2 2025)

Overview: The MetaMask Card is a self-custodial Mastercard debit card developed by MetaMask in partnership with Baanx and Mastercard. It enables users to spend cryptocurrency directly from their MetaMask wallet without pre-loading funds or custodial wallets.

Business Support: ❌ Personal only

Key Features:

• Self-custodial: No pre-loading, funds stay in your wallet until spent
• Smart contract authorization: Payments verified on-chain in <5 seconds
• Apple Pay & Google Pay support: Contactless payments
• Virtual & Metal cards: Virtual card free, Metal card $199/year
• Global acceptance: 150M+ Mastercard merchants worldwide
• Multiple stablecoins: mUSD, amUSD, wETH, EURe, GBPe, USDC, aUSDC, aBasUSDC, USDT

Rewards Structure:

• 1 MetaMask Rewards point per $1 spent
• Crypto cashback rewards
• Exclusive benefits from global partner network

Fees:

• Annual Fee: $0 (Virtual), $199 (Metal)
• Foreign Transaction Fee: 0%
• Maintenance Fee: None

Requirements:

• MetaMask wallet
• KYC verification
• Available regions: US (excl. NY, VT), Canada, Mexico, Brazil, Colombia, Argentina, EU, UK, Switzerland

Best For:

• MetaMask users wanting self-custodial spending
• Users who prefer not to use custodial card services
• International travelers (0% FX fees)

Limitations:

• Not available in NY and Vermont
• Metal card has $199 annual fee
• Apple Pay not yet available (coming soon)

Custody Model: 🔐 Self-custody via smart contracts

Score: 76

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Tria Card

Website: tria.so

Status: ✅ Active (Beta launched October 2025, 250K+ users)

Overview: Tria Card is a self-custodial Visa credit card that enables spending from 1,000+ cryptocurrencies while maintaining full control of private keys. Part of Tria's cross-chain neobank platform with gas-free transactions.

Business Support: ❌ Personal only

Key Features:

• Self-custodial credit card: Spend from 1,000+ cryptos
• Three tiers: Virtual (free), Signature, Premium
• Gas-free transactions: Cross-chain swaps without manual gas fees
• Global availability: 150+ countries
• Apple Pay & Google Pay: Mobile wallet support
• Daily limits: Up to $1M depending on tier
• Airport lounge access: Premium tier benefit

Rewards Structure:

Important: Cashback displayed in USD but redeemable only for TRIA tokens 3 months after TGE. Token value volatility risk applies.

Fees:

• Annual Fee: $0
• Foreign Transaction Fee: 1% (on international transactions in USD)
• Deposits/Withdrawals/Top-ups: $0 (promotional)

Requirements:

• Tria wallet account
• KYC verification
• No staking required

Best For:

• Users wanting high cashback rewards
• Multi-chain crypto holders
• Self-custody advocates

Limitations:

• Rewards in TRIA tokens (not USD) - value risk
• 3-month wait post-TGE for redemption
• Beta stage platform

Custody Model: 🔐 Self-custody

Score: 72

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Solflare Card

Website: solflare.com/card

Status: ⚠️ Paused. solflare.com/crypto-card (2026-10-15): "Solflare Cards are paused today while we move to a new issuing partner", cards "expected to return in August" (not met). SpendNode (secondary, 2026-07-29): paused 2026-07-28 after issuer Kulipa wound down. Funds stay in the self-custodial wallet.

Overview: Solflare Card is the first self-custody crypto debit card on Solana, enabling instant USDC spending worldwide without top-ups, custodians, or hidden fees. Developed in partnership with Mastercard and Bridge.

Business Support: ❌ Personal only

Key Features:

• Self-custodial: First true self-custody card on Solana
• No top-ups required: Instant conversion at point of sale
• Zero hidden fees: All fees displayed on transaction statements
• Mastercard network: 110M+ merchants worldwide
• Google Pay support: Apple Pay coming soon
• Multi-factor authentication: 2-of-3 key approval system

Rewards Structure:

• No traditional cashback
• Raffle rewards: Until Feb 14, 2026
• Each transaction = raffle points/tickets
• Prizes include cars (ending with Porsche 911 GT3)
• Live leaderboard tracking

Fees:

• Annual Fee: $0
• Foreign Transaction Fee: 0%
• Top-up fees: $0
• Conversion fees: Transparent, shown per transaction

Requirements:

• Solflare wallet
• KYC verification
• UK or EEA residency

Best For:

• Solana ecosystem users
• Users wanting self-custody without complexity
• UK/EEA residents

Limitations:

• UK/EEA only (not global)
• No traditional cashback
• Apple Pay not yet available
• Temporary raffle rewards only

Custody Model: 🔐 Self-custody (2-of-3 multisig)

Score: 72

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Kast Card

Website: kast.xyz

Status: ✅ Active (150+ countries, multiple tiers available)

Overview: Kast is a stablecoin banking platform offering Visa debit cards that let users spend USDT, USDC, and USDe across 100M+ merchants worldwide. Features tiered cashback system with Kast Points.

Business Support: ❌ Personal only (virtual USD bank accounts available)

Key Features:

• Card tiers: Standard, Premium, Private
• Stablecoin-native: USDT, USDC, USDe support
• Virtual USD accounts: ACH and Fedwire support
• 24/7 support: Available across all tiers
• Instant virtual cards: Available in <2 minutes post-KYC

Rewards Structure:

Fees:

• Annual Fee: $0 (Standard) to $10,000/year (Private)
• Foreign Transaction Fee: 2% (on non-USD transactions)
• Standard Physical Card: Free (pay shipping $40)
• ATM Withdrawal: $3 + 2% (USD), additional 2% FX fee (non-USD)
• Small transaction fee: $0.25 per transaction under $20

Requirements:

• Kast account
• KYC verification (virtual card in 2 minutes)
• Available in 150+ countries

Best For:

• Stablecoin holders
• Users wanting tiered rewards
• International users needing USD accounts

Limitations:

• Annual fees for higher tiers
• Rewards in Kast Points (not USD)
• Some tiers very expensive ($10K/year)
• Card funding uses partner custody / KAST treasury handling rather than user-controlled keys

Custody Model: 📋 CeFi / partner custody. June 2026 recheck moved this from self-custody because official KAST terms say user-transferred virtual assets are sold to KAST and then managed by a custodian for KAST, not held for the user.

Score: 76

---

ThorWallet Card

Website: thorwallet.org/cards

Status: ✅ Active (100+ countries, new program launching 2026)

Overview: ThorWallet offers Mastercard debit cards directly from your non-custodial DeFi wallet, with Swiss IBAN access and fee-free USDC top-ups. New card program launching in 2026 with enhanced features.

Business Support: ❌ Personal only

Key Features:

• Non-custodial: Full ownership of funds
• Swiss IBAN: SEPA payments from crypto account
• Three card tiers: Standard (free), Gold, Platinum
• 40M+ merchants: Mastercard acceptance
• Multiple payment platforms: PayPal, Apple Pay, Google Pay, Samsung Pay
• New 2026 program: Instant activation, fee-free USDC top-ups

Rewards Structure:

• No traditional cashback currently
• Tier benefits vary by card level
• Standard tier: Free in-app access

Fees:

2026 Program Updates:

• Physical and virtual cards
• Instant activation from day one
• USD-denominated cards
• Fee-free USDC top-ups

Requirements:

• THORWallet app
• KYC verification
• Available in 100+ countries

Best For:

• Cross-chain DeFi users
• Users wanting Swiss IBAN access
• Multi-currency crypto holders

Limitations:

• No cashback rewards currently
• Upgrade fees for Gold/Platinum
• Some features "coming soon"

Custody Model: 🔐 Self-custody spend path

Score: 70

---

Amp Pay Black Card

Website: getamp.pay (domain dead as of 2026-10-17; link removed)

Status: ✅ Active (Solana-powered payments)

Overview: Amp Pay Black Card is a Solana-powered crypto debit card enabling instant spending of USDC and SOL with low transaction fees. Part of the Amp Pay decentralized payment platform.

Business Support: ❌ Personal only

Key Features:

• Solana-powered: Low fees, fast transactions
• Crypto-to-fiat conversion: Instant at point of sale
• USDC deposits: Convert SPL tokens to USDC
• Savings vault: Auto-swap to Carrot token for yield
• Decentralized platform: Built on Solana blockchain

Rewards Structure:

• Up to 4% cashback on select purchases
• Potential yield through Carrot token savings vault
• Low fee structure on Solana network

Fees:

• Annual Fee: $0
• Foreign Transaction Fee: 1% (on non-USD transactions)
• USD transactions: $0
• Transaction fees: Low (Solana network)

Requirements:

• Amp Pay account
• Wallet with Solana SPL tokens
• KYC verification

Best For:

• Solana ecosystem users
• USDC/stablecoin spenders
• Users prioritizing low fees over rewards

Limitations:

• No cashback rewards
• Limited to Solana ecosystem
• Newer platform (less established)

Custody Model: 🔐 Self-custody

Score: 68

---

Payy Card

Website: payy.network or docs.payy.network

Status: ✅ Active (Launched August 2025 by Polybase Labs)

Overview: Payy Card is the first non-custodial, privacy-preserving stablecoin Visa card. Built by a former Apple engineer, it uses zero-knowledge proofs to enable private crypto spending without revealing transaction data on public blockchains.

Business Support: ❌ Personal only

Key Features:

• Privacy-first: Zero-knowledge proofs hide transaction details
• Self-custodial: Spend USDC from Payy Wallet
• No public blockchain exposure: Transactions remain private
• Visa acceptance: Global merchant network
• Non-custodial architecture: You control your USDC

Rewards Structure:

• No cashback currently
• Focus on privacy rather than rewards

Fees:

• Annual Fee: $0
• Foreign Transaction Fee: 0%
• Standard Visa fees may apply

Requirements:

• Payy Wallet
• USDC holdings
• KYC verification

Best For:

• Privacy-conscious users
• USDC holders
• Users wanting self-custody with privacy

Limitations:

• No cashback/rewards
• USDC only (no multi-crypto)
• Very new platform (August 2025 launch)

Custody Model: 🔐 Self-custody with ZK privacy

Score: 66

---

Tuyo Card

Website: tuyo.com/card

Status: ✅ Active (41 countries, TUYO rewards program)

Overview: Tuyo Card is a self-custodial Visa prepaid card enabling USDC spending on Base blockchain. Features TUYO token rewards program with planned TGE in early 2026.

Business Support: ❌ Personal only

Key Features:

• Self-custodial: Full control of USDC on Base
• Visa prepaid card: Virtual available now, physical coming soon
• Apple Pay & Google Pay support: Mobile wallet integration
• 41 countries: US, Spain, EU, LATAM (NOT Australia)
• TUYO rewards: Points per dollar spent

Rewards Structure:

• TUYO tokens for every dollar spent
• Seasonal multipliers available
• TGE planned early 2026
• Not traditional cashback

Fees:

• Issuance Fee: $0
• Monthly Fee: $0
• USD transactions: $0
• FX spread: Up to ~1% (non-USD transactions)

Requirements:

• Tuyo account
• USDC on Base blockchain
• KYC verification
• Residency in supported countries

Best For:

• USDC holders on Base
• Users in supported 41 countries
• Early adopters wanting token rewards

Limitations:

• NOT available in Australia (despite @itstuyo handle)
• Only USDC (no multi-crypto)
• TUYO token value risk
• FX spread on non-USD

Custody Model: 🔐 Self-custody on Base

Score: 65

---

Fuse Wallet Card

Website: fusewallet.com

Status: ⚠️ Verify (fusewallet.com advertises the card; card terms not read)

Overview: Fuse Pay is a virtual Visa prepaid card integrated into the Fuse Solana smart wallet, enabling stablecoin spending directly from your wallet. Partnership with Bridge for payment processing.

Business Support: ❌ Personal only

Key Features:

• Solana smart wallet: 2-of-3 multisig, no seed phrases
• Virtual Visa prepaid: Issued by Lead Bank
• Bank transfers: ACH (US) and SEPA (EU) support
• No seed phrase: Multi-factor authentication instead
• Squads Protocol: Built on Solana's smart account standard

Rewards Structure:

• No cashback currently
• Focus on utility and security over rewards

Fees:

• Annual Fee: $0
• Foreign Transaction Fee: 0%
• Standard Visa prepaid fees may apply

Requirements:

• Fuse wallet (iOS)
• US residency (except NY, LA, FL, AK)
• KYC verification
• Stablecoin holdings

Best For:

• Solana ecosystem users
• US residents wanting stablecoin spending
• Users preferring no seed phrase model

Limitations:

• US-only (excludes 4 states: NY, LA, FL, AK)
• Virtual card only (no physical)
• No cashback/rewards
• iOS only currently

Custody Model: 🔐 Self-custody (2-of-3 multisig)

Score: 64

---

Spendly Card

Website: usespendly.com

Status: ✅ Active (180+ countries, instant virtual cards)

Overview: Spendly provides instant no-KYC virtual prepaid cards funded with cryptocurrency. Turn crypto into usable cards in seconds with support for multiple cryptocurrencies.

Business Support: ❌ Personal only

Key Features:

• No KYC: Minimal info required
• Instant cards: Available within minutes
• Apple Pay & Google Pay: Mobile wallet support
• 180+ countries: Global availability
• Multiple cryptos: BTC, ETH, SOL, BNB, XRP, LTC, USDC, USDT
• Flexible balances: $25 to $10,000 per card

Rewards Structure:

• No cashback
• No subscriptions
• Focus on convenience and privacy

Fees:

• Annual Fee: $0
• Subscription: None
• Card creation: Per-card pricing (one-time)
• Funded with crypto: 1:1 conversion minus fees

Requirements:

• Minimal KYC
• Cryptocurrency holdings
• Supported: USDC (SOL, ERC20, BEP20), USDT (TRC20, ERC20, SOL, BEP20), BTC, ETH, SOL, BNB, XRP, LTC

Best For:

• Privacy-focused users
• No-KYC spending needs
• Travelers needing quick cards
• Small to medium transactions

Limitations:

• No cashback
• Prepaid only (reload required)
• Per-card fees
• Virtual only (no physical)

Custody Model: 📋 CeFi / prepaid top-up conversion. June 2026 recheck found official Spendly terms describing crypto top-ups and card loading, but no official statement that users retain keys or self-custody through card spend.

Score: 71

---

Avici Money Card

Website: avici.money

Status: ✅ Active (3 years operating, turned 3 on Jan 3, 2026)

Overview: Avici is a self-custodial neobank offering a collateral-backed Visa credit card. Users post crypto as collateral to unlock spending limits without selling their assets.

Business Support: ⚠️ Coming (Business cards mentioned as upcoming)

Key Features:

• Collateral-backed credit: Lock crypto, get spending power
• Self-custodial: Full control of funds
• Physical card: Coming soon (currently virtual)
• Apple Pay & Google Pay: Mobile wallet support
• Real-time collateral: Smart contract backing

Collateral Model:

• Post $500 crypto → Get $500 spending limit (1:1 ratio)
• Crypto locked in smart contract
• Provider fronts payment, crypto backs position
• Liquidation risk if collateral value drops

Rewards Structure:

• No cashback currently
• Focus on crypto preservation rather than rewards

Fees:

• Annual Fee: $0
• FX Fee: 1% (promotional), up to 3% standard
• Cross-border fees: Up to 3%
• ATM withdrawal fees: Apply
• Penalty fees: Late payment, returned payment, liquidation events

Requirements:

• Avici account (iOS/Android)
• Cryptocurrency holdings for collateral
• KYC verification

Best For:

• Users wanting to avoid selling crypto
• Holders with volatile assets
• Users comfortable with collateral risk

Limitations:

• 1-3% FX fees (higher than competitors)
• Liquidation risk if collateral drops
• Multiple potential penalty fees
• No cashback rewards
• Collateral lock-up required

Custody Model: 🔐 Self-custody (smart contract collateral)

Score: 59

---

Kontigo Card (DISCONTINUED)

Website: kontigo.com

Status: ❌ Discontinued (Card program shut down January 2026)

Overview: Kontigo was a USDC-focused neobank offering stablecoin cards with Bitcoin cashback, primarily serving Latino markets. Card program was terminated by Rain in January 2026 following banking access issues and a $340K hack.

Timeline of Issues:

• December 2025: JP Morgan and Checkbook cut banking access citing Venezuela compliance risks
• January 2026: $340K USDC stolen from 1,005 user accounts
• January 2026: Rain shut down card program
• Status: Company refunded affected users but card program remains closed

Previous Features (When Active):

• 10% BTC cashback on purchases
• USDC wallet and stablecoin card
• 10% USDC yield
• USDT credit line
• Tokenized US stock investment

Business Support: ⚠️ Was available

Why Score is Low (38):

• -20 points: Card program discontinued
• -10 points: Security breach ($340K hack)
• -5 points: Banking access terminated
• Remaining points: Previous features when operational

Best For:

• Latino market users (Service discontinued)

Current Status: Do not recommend - card program shut down

Score: 38 (Discontinued)

---

Bleap

Website: bleap.finance (fetched 2026-10-15)

Status: ✅ Live in Europe, Mexico and Brazil ("more countries planned").

Overview: Mastercard debit card on an MPC wallet. Issuer entity: Bleap SIA (Latvia), MiCA CASP licence No. 27-55/2026/14 from Latvijas Banka; parent Bleap Ltd (UK). The page does not name the card-issuing bank.

Rewards (USDC): 20% on streaming, gaming and AI subscriptions; 3% on rides and food delivery; 2% at restaurants and supermarkets; 1% on everything else.

Fees: card issuance free; no monthly or annual fee; no markup on crypto-to-fiat conversion; no FX fee on non-EUR payments; ATM free up to EUR 400 per month.

Custody Model: Page says wallets are self-custodial MPC ("No single party, including Bleap, ever holds your complete key"). The table labels the spend path 📋 CeFi because the page does not say funds stay user-controlled until authorization, and the issuing bank is not named.

Unverified: spending limits, business support, card-issuing bank.

---

Tangem Pay

Website: tangem.com/en/tangem-pay (fetched 2026-10-15)

Status: ✅ Basic and Plus available; Prestige on waitlist; welcome bonus and boosted rates "coming soon".

Overview: Visa card issued by Rain (Visa Principal Member). Basic is Visa Platinum, Plus is Signature, Prestige is Infinite.

Rewards: Basic 1%, Plus 2%, Prestige 4%; monthly caps $100 / $300 / $1,000. Basic is free; Plus is $29.99/month (waived at $4,500 monthly spend or $65,000 in Yield Mode); Prestige is $999/year (coming soon). ATM fee 4% / 2% / 1%. Daily spend limits $10,000 / $50,000 / $100,000. Bank top-up Basic: $1 ACH or $10 FedWire.

Custody Model: Main assets stay in the non-custodial Tangem Wallet, but only the balance loaded onto the card can be spent, so the table labels the spend path 📋 CeFi.

Availability: table shows "Select countries (list unverified)". The fetched page lists no issuing countries ("150+ countries" refers to merchant acceptance). The coordinator's review cites an issuer FAQ saying some US states are excluded; that text was not visible on the fetched (truncated) page, so it is unconfirmed here. The table lists the available tiers only (Basic 1%, Plus 2%); Prestige 4% / $999 per year is waitlisted.

Unverified: FX fee, countries where cards can be opened, KYC wording.

---

Phantom Cash Card

Website: phantom.com/cash (fetched 2026-10-15)

Status: ⚠️ Early rollout. The page says the card is "launching first in the U.S., except in New York". SpendNode (secondary) dates the US launch 2026-03-31.

Overview: Visa card issued by Lead Bank; Bridge Ventures LLC is program manager; Phantom is platform provider. Spends the CASH stablecoin balance. Identity verification is required for the card (handled by Stripe).

Rewards / fees: no cashback stated. "Fees may apply"; amounts, FX and annual fee not listed (TBD).

Custody Model: 📋 CeFi (prepaid card balance held with issuer and program manager).

---

Kraken Card (Krak)

Website: kraken.com/features/crypto-card; US launch post blog.kraken.com/product/krak/us-launch (fetched 2026-10-15)

• UK/EEA: virtual Mastercard debit card issued by Monavate; up to 2% back in BTC or EUR (0.5% from EUR 200, 1% from EUR 1,000, 1.5% from EUR 10,000, 2% from EUR 50,000 average balance); "no transaction, FX or ATM withdrawal fees" (a variable spread applies when spending across assets).
• US: Visa debit card issued by Lead Bank (Stripe technology), launched 2026-08-18; up to 2% in USD or BTC; "No hidden fees, monthly fees, or annual fees"; FX fee not stated. Support page (support.krak.app/articles/us-krak-card-cashback-overview) lists 0.5% / 1% / 1.5% / 2% at USD 200 / 1,000 / 10,000 / 50,000, but the US cashback terms (krak.app/legal/us-card-cashback-terms) list 1% / 1.5% / 1.75% / 2% at USD 1,000 / 10,000 / 75,000 / 150,000 and say tiers may change. The two Kraken pages conflict; only "up to 2%" is consistent.

---

Reap

Website: reap.global

Status: ✅ Active (✅ Verified December 2025 via browser automation)

Overview: Reap is a business-focused payment platform offering corporate Visa credit cards with flexible bill repayment in fiat or digital currencies. The Reap Card is a secured corporate credit card with advanced spend control, easy access, and additional perks.

Business Support: ✅ Yes (Business-focused platform)

Key Features:

• Corporate Visa credit card (Physical & Virtual)
• Flexible bill repayment (Fiat currency or Stablecoins)
• Advanced spend control and team management
• Multi-currency support (USD, HKD)
• Mobile app access
• Card-level and team-level spend controls

Rewards Structure:

• Cash Back: 0% (No cashback rewards)
• Rewards: Stablecoin repayment option available

Fees:

• Annual Fee: $0 ✅ Verified (FREE)
• Foreign Transaction Fee: 2% ✅ Verified (FX fee)
• ATM Withdrawal Fee: 2% ✅ Verified
• Monthly Bill Repayment: FREE ✅ Verified (Fiat or Stablecoins)
• Late Fee: May apply (amount not specified)

Requirements:

• Business account required
• Collateral: 1:1 ratio ✅ Verified (Credit limit = 100% of collateral)
• Available in: 200+ countries globally including US, EU, UK, Canada, Hong Kong, Singapore, Australia, and more

Best For:

• Businesses needing corporate credit cards
• Companies wanting stablecoin payment options
• Multi-currency treasury management
• Teams requiring spend control and expense management

Limitations:

• Business accounts only (no personal accounts)
• Requires collateral (1:1 ratio)
• Limited currency support (USD, HKD)
• Geographic availability varies by region

⚠️ Verification Required - Cloudflare Protected:

• Website Access: Entire website protected by Cloudflare - visit reap.global directly in browser with JavaScript enabled
• All Pages Protected: Homepage, /about, /help, /docs, /blog, /contact, /features, /solutions, /api, /privacy, /terms, /pricing all require Cloudflare challenge
• Card Products: Need to verify if physical/virtual cards are offered
• Crypto Features: Need to verify crypto payment processing capabilities
• Rewards: Need to verify if rewards program exists
• Fees: Need to verify fee structure from website (check pricing page when accessible)
• Availability: Need to verify geographic regions served
• Footer Links: Check footer for additional documentation links that may contain product information

Key Features (Unverified - Needs Confirmation):

• Business payment solutions platform
• Crypto payment processing (needs verification)
• Global payment infrastructure (needs verification)
• Business-focused services

Rewards Structure:

• ⚠️ Verify on website - May focus on payment processing rather than consumer rewards
• May not offer traditional card rewards

Fees:

• Annual Fee: ⚠️ Verify on website
• Foreign Transaction Fee: ⚠️ Verify on website
• Processing fees: ⚠️ Verify on website

Requirements:

• Business account required (likely - needs verification)
• KYC/verification required (likely - needs verification)
• Geographic availability: ⚠️ Verify on website

Business Support: ✅ Yes (Business-focused platform - confirmed)

Best For:

• Businesses needing payment processing solutions
• Companies looking for business payment infrastructure
• Organizations requiring crypto payment capabilities (verify)

Limitations:

• Business accounts only (not for personal use - needs verification)
• ⚠️ Need to verify specific card product availability
• ⚠️ Need to verify crypto rewards structure (if applicable)

Action Required: Please visit reap.global directly in a web browser to verify:

1. Card product offerings (if any)
2. Crypto payment features
3. Fee structure
4. Rewards program (if applicable)
5. Geographic availability

Notes:

• Website protected by Cloudflare - manual verification required
• All information marked with ⚠️ needs verification from official website
• See docs/VERIFICATION.md for verification checklist

---

---

Rewards Comparison

Highest Cash Back Rates

Headline maximums; many require staking or tiers, and several are unverified (see CRYPTO_CARDS.md for current figures).

1. Wirex Card - Up to 8% (USD cashback; per wirex.one)
2. Plasma One - Up to 4% in XPL (Platinum tier)
3. Gemini Card - Up to 4%
4. Crypto.com Visa - 0-4.5% by tier (issuer page, Oct 2026)
5. Ethena Pay - 4-5% in AVAX, falling by monthly-spend band
6. Kast - 1.5-3% by tier
7. Crypto.com Royal Indigo/Jade Green - 3% (with $4k CRO stake)
8. Plutus Card - 3% (PLU rewards)
9. Gemini Card - Up to 4% (category bonuses)

Base Cash Back Rates (No Staking)

1. Plutus Card - 3%
2. Coinbase Card - 1% (up to 4% with subscription)
3. Uphold Card - 1% (up to 4% with higher tiers)
4. Gemini Card - 1% (up to 4% categories)
5. Crypto.com Midnight Blue - 0.5%
6. Fold Card - 1% base (up to 5% categories)
7. Shakepay Card - Up to 1.5%
8. Swissborg Card - 1-2%
9. CoinJar Card - 1% (rewards points)
10. CryptoSpend Card - 1%

---

Fee Analysis

Annual Fees

All cards listed: $0 annual fee

Note: Some premium tiers or subscription services may have fees (e.g., Coinbase One for higher rewards)

Foreign Transaction Fees

All cards listed: 0% foreign transaction fees

This is a significant advantage over traditional credit cards

Other Fees

• ATM Fees: Vary by card (check individual terms)
• Crypto Conversion Fees: Spread fees may apply (check individual terms)
• Staking Lock Fees: Crypto.com requires 6-month lock for tier benefits
• Credit Card Interest: Gemini and Nexo charge interest if balance carried

---

Eligibility & Requirements

Credit Check Required

• Gemini Credit Card - Yes (traditional credit card)
• Nexo Card - No (crypto-backed, uses collateral)

Staking Requirements

• Crypto.com Visa - Optional ($0 to $400k+ CRO)
• Binance Card - Optional (BNB holdings affect rates)
• Plutus Card - Optional (for additional perks)
• Other cards - None required

Account Requirements

• Most cards require an account with the issuer (Coinbase, Gemini, etc.)
• KYC verification required for all cards
• Geographic restrictions apply (see below)

---

Geographic Availability

US Only

• Coinbase Card
• Gemini Credit Card
• BitPay Card
• Fold Card

EU/UK

• Nexo Card (EU, UK)
• Plutus Card (EU, UK)
• Swissborg Card (EU)
• 1inch Card (EU, UK)

Canada

• Shakepay Card

Brazil Only

• Binance Card (January 2026 Update: Now Brazil-only, not global)

Global (Multi-Region)

• Gnosis Pay (January 2026: EEA, UK, Brazil, Argentina, Mexico, Colombia, Philippines, Thailand, Japan, Singapore; October 2026: consumer card being wound down, see Recheck log)
• Crypto.com Visa Card
• Wirex Card
• Bleap (EU, Mexico, Brazil only; listed for completeness)
• EtherFi Cash (100M+ merchants worldwide)
• Hi Card
• KuCard (excludes US)
• Revolut Crypto
• RedotPay

Regional Notes

• Uphold Card - US, UK, EU regions ⚠️ (card pages time out)

Note: Availability within "global" regions varies - verify on official websites before applying

---

Security & Trust

Considerations

1. Regulatory Compliance: Verify cards are licensed in your jurisdiction
2. Insurance: Check if funds are insured (FDIC, etc.)
3. Company Track Record: Research company history and security incidents
4. Token Volatility: Staking requirements expose you to token price risk
5. Lock-up Periods: Crypto.com requires 6-month staking lock

Trust Indicators

• Established Companies: Coinbase, Gemini, Binance, Crypto.com
• Regulatory Status: Check licensing in your jurisdiction
• Security Audits: Research if cards/platforms have been audited
• User Reviews: Check community feedback and reviews

---

Tax Considerations

Important Notes

⚠️ Tax Implications Vary by Jurisdiction

US Considerations:

• Crypto rewards may be taxable as income
• Spending crypto may trigger capital gains/losses
• Consult a tax professional

EU/UK Considerations:

• Tax treatment varies by country
• Some jurisdictions treat crypto rewards differently
• Consult a tax professional

General:

• Keep records of all transactions
• Track reward earnings
• Document crypto conversions
• Consult a tax professional familiar with crypto taxation

---

Business Account Support

Cards with Business Account Support

Crypto.com Visa Card

• Website: crypto.com/cards
• Business Support: ✅ Yes
• Notes: Crypto.com offers business accounts with card access

Nexo Card

• Website: nexo.com/card
• Business Support: ✅ Yes
• Notes: Nexo Business accounts available with card access

Binance Card

• Website: binance.com/en/cards
• Business Support: ✅ Yes
• Notes: Binance Business accounts available

Wirex Card

• Website: wirexapp.com/card
• Business Support: ✅ Yes
• Notes: Wirex Business accounts available

BitPay Card

• Website: bitpay.com/card
• Business Support: ✅ Yes
• Notes: BitPay Business accounts available

Uphold Card

• Website: uphold.com
• Business Support: ✅ Yes
• Notes: Uphold Business accounts available

Reap

• Website: reap.global
• Business Support: ✅ Yes (Business-focused platform)
• Notes: Business payment solutions platform offering crypto payment processing. Verify specific card products and features on website.

Cards with Personal Only

• Coinbase Card
• Gemini Credit Card
• Plutus Card
• Swissborg Card
• Fold Card
• Shakepay Card
• CoinJar Card
• CryptoSpend Card

---

Best for Building Credit

• Gemini Credit Card - Traditional credit card reports to credit bureaus

Best for High Cash Back (No Staking)

• Plutus Card - 3% base (EU/UK)

Best for Bitcoin Rewards

• Fold Card - Up to 5% (US)
• Shakepay Card - Up to 1.5% (Canada)

Best for Multi-Crypto Rewards

• Coinbase Card - BTC, ETH, others (US)
• Gemini Card - BTC or 50+ cryptos (US)
• Wirex Card - Multi-crypto (Global)

Best for No Staking Required

• Coinbase Card - 1-4% (US)
• Gemini Card - 1-4% (US)
• Plutus Card - 3% (EU/UK)
• Fold Card - Up to 5% (US)

Best for Staking Rewards

• Crypto.com Visa - Up to 8% with CRO stake
• Binance Card - Up to 8% with BNB holdings

Best for EU/UK Users

• Nexo Card - Crypto-backed credit (EU, UK)
• Plutus Card - 3% PLU rewards (EU, UK)
• Swissborg Card - 1-2% CHSB rewards (EU ⚠️ unverified)

Best for Global Users

• Crypto.com Visa - Tiered rewards (Global)
• Binance Card - BNB rewards (Global)
• Wirex Card - Multi-crypto (Global)
• Uphold Card - Multi-crypto (US, UK, EU ⚠️ unverified)

Best for Australia

• CoinJar Card - 1% rewards points
• CryptoSpend Card - 1% multi-crypto rewards

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Verification Log (October 2026)

Retrieved 2026-10-10 from issuer pages unless marked (secondary). Page text was treated as data. Many issuer sites blocked fetches (403/404/429); fields that could not be confirmed were set to TBD or left as previously published and are listed under Unverified. Sources per card: EtherFi (ether.fi/cash, etherfi.gitbook.io legal docs), Plasma One (plasma.org/personal), KAST (kast.xyz, Terms of Service effective 2026-07-07), Ethena Pay (pay.ethena.fi), Crypto.com (US fees), Ready (terms, The Defiant), KuCard (terms), MetaMask (FAQ), 1inch (1inch.com/card), ThorWallet (thorwallet.org/cards), Gnosis Pay (gnosispay.com), Gemini, Plutus (fees, terms), RedotPay (help), Jupiter (docs), Avici (docs), Wayex, Shakepay (agreement), Meow (terms), Solflare (solflare.com/crypto-card), Tuyo (card), Slash (terms), Binance (Brazil FAQ), Kraken (FAQ), Swissborg (FAQ), CoinJar, OKX (explainer), Uphold (The Block, secondary).

Changes

Market sweep (2026-10-17)

Web sweep for cards launched, changed or discontinued since about 2026-07-15. All access dates 2026-10-17. "Secondary" means a news, review or aggregator page, not the issuer.

Added rows

Changed rows

Dead or paused, context for existing rows

• Kulipa (card issuer for Ready and Solflare) halted operations around 2026-07-29. Ready and Solflare say it held no customer balances; the Kulipa CEO denies insolvency and cites an undisclosed structural change. No primary Kulipa statement found. (The Defiant, Condia)
• Moonwell Card (built on Cypher): purchases stopped after 2026-08-07, withdrawals closed 2026-09-06. Not given its own row; Cypher's row covers the shutdown.

Watchlist fold-in (2026-10-17, third pass): eight watchlist cards were checked against issuer pages where reachable (fetch access dates 2026-10-17; secondary = news, review or aggregator page). Six became rows with TBD for anything unstated; one is a duplicate of an existing row, one is discontinued. Row count 57 to 63.

Link fixes (external-link sweep, 2026-10-17): Payy site is payy.network (payy.link redirects); wirexapp.com/card needs www.; getamp.pay and ampay.com, and cryptospend.com.au, gave no response and are shown as text, not links.

Watchlist retry (2026-10-17, second pass): Lava Card was added as a row after lava.xyz/card was read (up to 5% BTC, no annual fee, no FX fee; issuing bank unnamed). Still unconfirmed (details above): MEXC Card (launch release only, cashback cap conflicts), Pionex Card (third-party table only), BitMart Card (exchange wind-down; no card-specific notice; bitmart.com/card 403), ThorWallet card (thorwallet.org/cards.html: Basic $5 one-off, Premium $124 one-off with 0.5% USDC, FX 1.5%; FAQ snippet conflicts), Tria Lite ($20/yr secondary only; a Jan 2026 legal disclosure reportedly lists $25), Orbi Mexico (SoFi BIN sponsor, no terms), Gate Card / Gate Money (press release 2026-10-09, no issuer or fees), Gate US Card (Lead Bank per snippets), Square/Block Bitcoin credit card (2026-10-13 reports only).

Recheck (2026-10-15)

Second pass on 2026-10-15 using WebFetch/WebSearch and scripts/verify-crypto-cards.js (Playwright). Many issuer pages state no numbers or blocked the fetch; those fields are listed under Unverified (2026-10-15).

Checked and unchanged (primary page matched the table): EtherFi network Visa (gitbook), Ethena Pay (4-5% AVAX, ~1% FX, $0 fees, ATM $1 + 0.65%), Plasma One (2/3/4% tiers, Visa/Rain), MetaMask (1% virtual, 3% on first $10,000 Metal, $199/yr, US/UK signups closed), Kast (1.5/2/3%, $0/$1,000/$10,000 per year, Visa), Nexo (0.5-2%, FX 0.2-2.5%, issuer DiPocket), Bitpanda (1% crypto spend, FX 0%), Shakepay (up to 1.5%, no annual fee, Visa), CoinJar (1% points, 2.99% FX, Mastercard/EML), Meow (1.5% base rate, no annual fee), Slash (Free 1.5% / Pro 2%, 1% FX min $0.40, Visa/Column), ThorWallet (0.5% Premium, $124 one-off, 1.5% FX, Mastercard), ToonPay (Starter 1%, 2% FX, $12 KYC, $80 card), Plutus (FX 2.5%, ATM 2.5%, card EUR/GBP 9.99), KuCard terms (EEA, Visa, Wallester), Binance Brazil (Pomelo, Mastercard, no physical issuance fee), Reap (Visa principal, live HK and Mexico), RedotPay (issuance $10 virtual / $100 physical), Fold (Visa, Sutton Bank), Gnosis Pay network (Visa Europe, Monavate).

Unverified (2026-10-15): EtherFi cashback/fees (ether.fi/cash HTTP 429; Playwright got a Vercel security checkpoint; gitbook page gives no rates). Coinbase (HTTP 403; the Coinbase One Card, Amex, is described only by search snippets), Revolut (403), Uphold (403), Bybit (fetch timeout; a January 2026 press release says Bybit EU added BTC cashback at 2-10%, which conflicts with the "Non-EEA" row, secondary), 1inch cashback/regions (page states neither), Wayex/CryptoSpend 1% cashback and BTC/ETH rewards (page states neither), Reap 0% cashback and 2% FX (page lists no amounts), Hi Card (hi.com mentions no card), BitPay (page has no status; reports conflict), Amp Pay (TLS certificate expired), Payy and Tria card terms, Kontigo, Spendly, Bitget activation fee and FX range, Plutus annual fee and region, Kraken US FX fee and US cashback tiers (two Kraken pages disagree), Binance CIS relaunch (Mastercard/Immersve, February 2026, secondary only), Crypto.com US Visa Signature credit card (1.5-6% CRO per Crypto.com event page via search snippet, not fetched), Fold Bitcoin Credit Card ("up to 5% back in bitcoin" on foldapp.com, no terms), Moonwell Card (shut 2026-08 with Cypher, secondary).

Custody

Not added on 2026-10-10: Bleap (added 2026-10-15 from bleap.finance with custody labelled CeFi). Added 2026-10-10 from primary pages: Bitpanda Card and Cypher Card (inactive). Fetch results: tangem.com/en/pay 404, tangem.com/en/tangem-pay/ fetched; exa.fi redirects to a domain-sale page; ledger.com/ledger-cl-card 404 (shop.ledger.com/pages/cl-card-crypto-card fetched); safepal.com/en/crypto-card 404; Coinbase pages 403; holyheld.com/card 404.

Cypher: primary pages confirm the acquisition by Nium and the shutdown. Cypher's own notice of termination (Notice Date 2026-07-08) states a Service End Date of 2026-09-06 on which "the Cypher Card will be deactivated"; the wind-down page gives 2026-08-08 for card cancellation. Both are Cypher primary sources and differ; the row is inactive either way. Custody and region are not verified from a primary page and are TBD.

Unverified

Cashback rates for EtherFi (2-3%) and its ATM/annual fee; Plasma membership prices (page names Rain as issuer); Tria, Fold, Revolut, Bybit, Hi Card, ThorWallet issuer details; Payy card terms; BitPay status (reportedly US program ended 2023, secondary); Kontigo "discontinued" (homepage still promotes the card); Uphold and Coinbase terms (403, snippets only); Nummus issuer.

New candidates (not added; no official fee/issuer data to fill a row)

COCA Visa (coca.xyz; "non-custodial", up to 8%, issuer Wirex secondary), Wirex One / SecondFi self-custodial relaunch, Mercuryo x Mastercard, Sana onchain (Rain), Western Union Stablecard (custody unclear). Ethena Pay was added and updated to live beta.

Not added after primary-page check (2026-10-10), reason:

• Tangem Pay (added as a row on 2026-10-15 with region marked unconfirmed; tangem.com/en/tangem-pay/): live (Basic available), Rain issuer, 1/2% cashback on available tiers (Prestige 4% waitlisted), Plus $29.99/mo; custody described as main assets in non-custodial wallet with a separate loaded card balance, and countries that can open cards are not listed; FX fee in a tariffs PDF not read. Region unconfirmed.
• Ledger CL Card (shop.ledger.com, withcl.com/legal): live in EEA, UK, US, CA, CH, CO, MX, BR; 1% BTC/USDC/USDT; fees not on retrieved pages; custody conflicting (shop page: account operated by Monavate; withcl.com: "Spend crypto from self-custody"). Custody unresolved.
• Oobit (oobit.com): live-looking, "up to 10%", card free; custody, region and FX not stated (US via Bakkt).
• SafePal Card (safepal.com/en/bank): Fiat24-based Mastercard; custody, regions, cashback and card fees not stated.
• Exa Card: exa.fi is a domain-sale redirect; exact.ly covers the protocol only and does not mention the card.
• Holyheld: holyheld.com mentions no card (a CHF business membership product); /card 404.
• Coinbase One Card (Amex): see changes table; official pages returned 403.

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Last updated: October 15, 2026 - Comprehensive score recalculation with verified data. Key corrections: Ready Card 3% (not 10%), Binance 3% (not 8%), Crypto.com base 0%. Clarified card spend-path custody scoring.