Best Crypto Debit Cards in 2022
Crypto Investments

Best Crypto Debit Cards in 2022

As more countries and international regulators adopt bitcoin and other crypto assets and put laws in place, cryptocurrencies are more widely used than ever before. As a result, there have been more crypto debit card providers entering the market to boost crypto acceptance and facilitate crypto transactions. 

Whether you’re just getting your feet wet in the cryptocurrency market and looking to make some money while you shop or you’re a seasoned pro who enjoys seeing what new opportunities arise as the market crypto develops, here are some of the best crypto debit cards that you can enjoy as you make your purchases and earn rewards: 

1. Visa Card

This is a prepaid card made for holders of cryptocurrency that want to transact fluidly between fiat and cryptocurrency. This means that you will have to fund it before you can make use of it. The Visa Card comes with the added advantage of purchase rebates in the form of CRO tokens (the native token of the exchange), other rewards, and exclusive access. The Visa Card is currently available to users in the United States (except New York), Europe, the United Kingdom, Canada, Australia, and Asia-Pacific regions.


Rewards that come with this card are determined by the card tier of the user. They include purchase rebates, reimbursement on subscriptions, and access to premium services, such as Spotify, Netflix, Amazon prime, and Airbnb, Airport lounge access, bonus reward, Private Jet partnership, and exclusive merchandise, depending on the card tier.

Here are the current tiers, staking fees, and monthly card limit on ATM withdrawals.

  1. Midnight Blue: $0 CRO stake, no cash back, and $200 withdrawal limit.
  2. Ruby Steel: $400 CRO stake, 1% cash back, and $400 withdrawal limit.
  3. Royal Indigo & Jade Green: $4,000 CRO stake, 2% cash back, and $800 withdrawal limit.
  4. Frosted Rose Gold & Icy White: $40,000 CRO stake, 5% cash back, and $1000 withdrawal limit.
  5. Obsidian: $400,000 CRO stake, 5% cash back, and $1000 withdrawal limit.

Note: These cards attract an additional 2% fee on withdrawals above the stipulated limit.

Supported Cryptocurrencies and Fees Visa card currently supports over 25 coins, including Bitcoin, Ethereum, Litecoin,  Stellar, EOS, and Paxos Standard. charges a 1% top-up fee via a debit card and a 2.99% top-up fee via a credit card. There is also a 0.4% taker & maker fee on trading volume of $0 – $25,000.


  • Rebates back on all purchases.
  • Interest return on all CRO staking.
  • Fiat and Crypto option for top-up and withdrawal.
  • In-app option to change pin and freeze card in case of loss.


  • Expensive staking of a minimum of $400 to enjoy card benefits.
  • High volumes of notifications that can cover up relevant information.
  • Transactions on visa cards do not affect users’ credit scores. 

2. Coinbase Visa Card 

This is a Visa debit card from the Coinbase crypto trading platform that connects to the Coinbase wallet, allowing users to earn and spend crypto when they make purchases. The Coinbase debit card can be used at any Visa-accepting payment terminal, online checkout, or ATM. The Coinbase debit card is available to customers in more than 30 countries, including the United States, the United Kingdom, and other European countries.


Coinbase debit card provides cardholders the benefit to earn up to 4% back on all purchases. Another standout benefit of this card is security; Coinbase offers 256-bit encryption, bank-level security, authentication mechanisms, and fraud protection facilities to safeguard the assets of customers.

Supported Cryptocurrencies and Fees

The Coinbase card supports multiple cryptocurrencies that can be held in the Coinbase wallet. Right now, users can hold Bitcoin, Ethereum, Bitcoin Cash, Litecoin, Ripple, Stellar, Augur, 0x, The Graph, and other supported crypto assets.

There are no annual fees charged for using the Coinbase card. The card provider however charges a flat 2.49 percent transaction fee, as well as a 2.49% crypto liquidation fee.


  • Up to 4% cash back on all purchases.
  • Spend your Crypto instantly.
  • A wide range of supported cryptocurrencies to choose from.
  • The card is accepted globally .
  • Mobile App that provides ease of use, as well as a way to monitor spending and track balance.


  • Cryptocurrency Liquidation Fee of 2.49%
  • The is currently an application waitlist for the Coinbase card.
  • Do not offer the consumer protections that credit cards do.

3. Binance Visa Card

Binance card is another debit rolled out by the largest crypto exchange in the market. The card allows you to spend your crypto assets wherever Visa is accepted after it has been funded using the Binance Card App, or funding wallet. The Card rewards your account with a cashback of 0.1% to 8% on every eligible purchase, which is paid back as BNB in the user’s wallet. 

The Binance card is currently supported in selected European countries, including Aruba, Austria, Belgium, Bulgaria, Croatia, the Republic of Cyprus, Czech Republic, Denmark, Estonia, Finland, France, French Guiana, Germany, Gibraltar, Greece, Guadeloupe, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Martinique, Mayotte, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, and Sweden.

Supported Cryptocurrencies and Fees

At the moment, the Binance visa card supports the conversion and spending of BNB, BUSD, USDT, BTC, SXP, ETH, EUR, ADA, DOT, XRP, AVAX, SHIB, LAZIO, PORTO,  and SANTOS. The Binance visa cards are free and customers only have to pay a first-time compulsory top-up fee of $15.


  • Over 50 supported cryptocurrencies.
  • Low transaction and processing fees.
  • Accepted by over 60 million merchants worldwide.
  • An option for automatic top-up is available.


  • To qualify for the maximum 8% cashback, you must spend an average of 6000 BNB.
  • To receive higher rewards, one must wait until the end of the month.

4. Wirex Mastercard

The Wirex card was originally issued by Visa and was the second cryptocurrency company to become a major member of the company. Because Mastercard and Visa are the two most widely recognized debit card brands in the world, the Wirex card is a generally accepted mode of payment across thousands of merchants. 


Wirex offers a rewards program called Cryptoback. When you use your Wirex Card at any merchant, you can earn up to 2% cash back in WXT. 

Supported Cryptocurrencies and Fees

Wirex MasterCard accepts Euros, Pounds, stablecoins, and other cryptocurrencies such as Bitcoin, Dogecoin, Ethereum, Litecoin, Ripple Stellar, and Nano at any Mastercard merchant in more than 40 countries, including Australia, New Zealand, and the majority of Europe. 

There are no monthly fees, card issuance fees, or domestic transaction costs. However, there is a $2.50 ATM fee per withdrawal.


  • You can earn up to 2% cash back on all in-store purchases. 
  • More than 150 fiat and cryptocurrency currencies are accepted. 
  • Account funding is easy and seamless. 
  • Little to no fees are charged.


  • The rewards are low compared to other card providers. 
  • It is costly to exchange cryptocurrency for fiat currency. 
  • Users must stake a proprietary token to enjoy the best rewards.
  • It is not available in the United States, Japan, and a few other major countries.

Bottom Line

Crypto debit cards are an excellent way to put your money to work while earning cash rewards. Each card has its unique set of restrictions and benefits, guaranteeing that everyone can find one that meets their transaction and investment needs.