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Looking to Spend? Top 5 Crypto Credit & Debit Cards

Now that you have bought crypto and have chosen your wallet – how do you spend? A look at the top 5 crypto credit & debit cards on the market today. Credit Card

Did you know that the credit card is one of the most popular options on the market? Allowing payments using 90 different cryptocurrencies is just one of its perks. is already well-known as one of the best crypto apps out there, and its crypto-backed card acts like a prepaid card that can be topped up when needed, using a credit/debit card, FIAT currency, or cryptocurrency. There is only one catch – if you want to use the Visa card, you’ll need to hold CRO tokens or’s native currency. And once you have the card? You’ll be able to manage it through the mobile app. makes it simple for users to instantly purchase crypto on the app, fund the card’s balance, and pay for goods and services.

The Visa credit card can be used in over 40 million places worldwide and even allows US-based users to top up using PayPal to appeal to a broader audience. You can even make ATM withdrawals with it! If you’re interested, explore the five tiers of the card, each of which offers different features and benefits, like cashback or rebates from companies like Netflix, Spotify, and Airbnb.

Did we mention that there are no monthly fees, the card is completely free, and there are no transaction fees when using the card locally or overseas?


Founded in 2015 by Danial Daychopan, Plutus is a next-generation finance app that offers the same financial services as challenger banks to empower their customers. The Plutus Visa card was launched in the UK and Europe to hold ETH and PLU tokens in a non-custodial wallet. Those tokens can then be converted to fiat currency via a decentralised exchange when the card needs to be used – and their crypto-assets can be spent at over 60+ million merchants.

The Plutus card is popular thanks to its cashback rewards for popular companies like Netflix, Spotify, and Prime, and many other benefits paid out in ‘PLU’ tokens, or the Plutus native currency. Namely, cardholders earn 3% back in PLU crypto rewards every time their card is used! Thanks to the rewards program, its user base has snowballed, prompting its card expansion to the United States early in 2023.

Making it easy for users to link their cryptocurrency wallet to their credit card, Plutus lets you spend your crypto with complete control over your assets.

BlockFi Bitcoin Rewards Credit Card

BlockFi exists to give you more ways to earn Bitcoin, Ethereum, and other crypto rewards. Only available to US residents in qualified states (NY is excluded), users must have a BlockFi account to apply (business accounts are not accepted at this time). BlockFi is exciting because users get to choose the cryptocurrency in which their rewards are paid, so long as the assets are offered in the United States. For example, Bitcoin, Ethereum (ETH), Dogecoin (DOGE), Litecoin (LTC), Chainlink (LINK), PAX Gold (PAXG), Basic Attention Token (BAT), Uniswap (UNI), or Bitcoin Cash (BCH) are offered at the same 1.5% rewards rate. But cardholders can also use stablecoin rewards to earn 1.5% back in Gemini Dollar (GUSD), USD Coin (USDC), Paxos Standard (PAX), Multi-Collateral Dai (DAI), or Binance USD (BUSD). Perhaps BlockFi’s best feature is changing the crypto asset reward whenever you want!

There are no annual fees or foreign transaction fees, up to 10% back at thousands of brands and restaurants, 1.5% back on every purchase, up to 10% back at thousands of brands with BlockFi Offers, 2% back after $30K of annual spend, and 0.25% on eligible crypto purchases and trades. In other words, the BlockFi Rewards Visa Signature Card card gives you instant access, no matter what you’re after.

Coinbase Visa Card

Coinbase considers its card the easiest and quickest way to spend crypto worldwide. Namely, the Coinbase Visa debit card is funded by the user’s Coinbase balance, which is spendable at millions of locations around the world. Allowing the user to pay with contactless, PIN, or cash withdrawal from any ATM, the Coinbase Visa card enables you to choose which crypto to pay with through the app, with a seamless transition between Bitcoin, Ethereum, and others. In addition, your card is secure thanks to two-step verification and instant card freeze as just some of the perks.


So, what makes the Nexo Card so good? Well, unlike most cards, it lets you keep your crypto rather than sell it. For example, when using most debit crypto cards, your digital assets are sold and converted to fiat, and that’s a taxable event. However, when using the Nexo Card, users spend without selling their crypto, and no taxable event will occur.

Accepted by over 90 million merchants around the world, Nexo also allows users to earn up to 2% in NEXO or up to 0.5% in BTC, change your reward type to NEXO to get up to 2% back, save on foreign transaction fees for up to €20,000 per month, get up to 10 free ATM withdrawals every month, and a monthly withdrawal limit of up to €10,000.

Furthermore, credit line rates start from 0% APR1, there are no minimum monthly repayments, and Apple & Google Pay integration is available. And if you don’t have your physical card? The virtual Nexo Card can be used with a single tap, allowing you to spend from your phone instantly!


Daniela Rogulj

Daniela Rogulj

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