Best Bitcoin Debit Cards of 2022

Written by Brian LatchfordUpdated: 30th Dec 2021
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Back in 2008, Bitcoin was created as the first cryptocurrency, which essentially means a virtual currency.

While there were many faithful followers almost right away, few, if any, believed it would be the ignitor it has been to the crypto world that now has over 4,000 cryptocurrencies in existence.

However, Bitcoin remains the powerhouse, and it is not even close. As Bitcoin stabilizes, nears the completion of its 21 million mined coins, and institutions begin to understand its importance, you are now seeing many of the largest banks and companies adopt Bitcoin.

This has caused Bitcoin to become the global currency, with some larger institutions using it to hedge against their other investments.

Once you own Bitcoin, you may wonder how you can get access to spending it. This article will reveal the best bitcoin debit cards.

These debit cards allow you to use your Bitcoin (or another select cryptocurrency) at ATMs and stores.

At A Glance: Best Bitcoin Debit Cards

  • Coinbase Debit Card: Best Overall Bitcoin Debit Card
  • BitPay Prepaid Card: Runner Up
  • BlockFi Visa Credit Card: Best for Cash Back
  • Visa Debit Card: Best for Rewards
  • Wirex Visa Debit Card: Best for International Travel
  • Binance Debit Card: Best for Ease
  • BlockCard: Best for Low-Fees
  • Nexo: Best for Additional Features
  • Crypterium Visa Card: Best for Foreign Transactions
  • Monolith Visa Debit Card: Best for Ethereum Enthusiasts

Best Bitcoin Debit Cards (Ranked, Reviewed, & Analyzed)

#1. Coinbase Debit Card

Coinbase Debit Card


  • Coinbase is one of the most trusted names when it comes to cryptocurrency. It just went through an IPO itself, bringing even more attention to the crypto world.
  • Coinbase utilizes the 2FA security feature.
  • Multiple cryptocurrencies are available via Coinbase.
  • Coinbase’s debit card is a Visa debit card and can be used anywhere Visa is accepted.
  • Your Coinbase debit card can be added to your Apple and Google Pay accounts soon.
  • Coinbase has an app on iOS and Google Play that allows you to monitor your Coinbase account.
  • Earn up to 4% back in rewards when you make a purchase using your Coinbase debit card.
  • No annual fee.
  • Better support than most other cryptocurrency companies.


  • One of the biggest drawbacks to Coinbase is that its fees are higher than most others. You incur a 2.49% fee when using your Coinbase debit card and even more expensive for members outside of the USA.
  • Hawaii residents are not eligible for a Coinbase debit card.
  • 2% additional fee on usage outside the USA.

Our Thoughts

If you are looking for a crypto debit card that acts just like your bank debit card, Coinbase is a great option.

Although their fees are a little higher, the ease of use and the comfort of knowing they are a publicly-traded company help offset some of those fees.

As more competition enters this space, Coinbase will no doubt have to lower some of its fees to remain competitive.

>> More: Coinbase Debit Card Review

#2. BitPay Prepaid Card

BitPay prepaid Debit Card


  • Bitpay is a prepaid debit card that can be used anywhere Mastercard is accepted.
  • You can get a virtual Bitpay card to use online.
  • Unlike with Coinbase, Bitpay is available in all 50 states.
  • No transaction fees if used within the USA.
  • Bitpay debit card has higher limits at $10,000 spend per day, $2,000 ATM withdrawal (up to three times a day), and you can hold up to $25,000 on your Bitpay debit card.
  • Between crypto and fiat, Bitpay supports more than a dozen currencies.
  • Bitpay app is available on both iOS and Google Play.
  • $0 monthly fee.


  • Bitpay charges a $2.50 ATM fee.
  • If you do not use your Bitpay debit card for 90 days, you will be charged a $5 inactivity fee.
  • Transactions outside the USA will incur a 3% fee.
  • The Bitpay card costs $10.

Our Thoughts

If you do not plan on using the Bitpay Mastercard debit card outside the USA, you will find that the Bitpay debit card offers higher limits and lower fees than other cryptocurrency debit cards.

>> More: BitPay Debit Card Review

#3. BlockFi Visa Card

BlockFi Credit Card


  • BlockFi is a Visa credit card, not a debit card, in which you earn Bitcoin when you use your BlockFi credit card.
  • You earn 1.5% cashback, in the form of Bitcoin, when you use your BlockFi Visa credit card.
  • If you spend $3,000 within the first 90 days, you will receive a $250 in Bitcoin bonus.
  • You can earn $30 in Bitcoin for every referral.
  • You will earn interest on your bitcoin rewards.
  • BlockFi offers 3.5% bitcoin rewards in months 4 to 6 of owning the BlockFi credit card.
  • You can now trade currency on the BlockFi app as well as wire funds.
  • Face and Touch ID security features are enabled.
  • You can earn up to 8.6% interest on your cryptocurrency.


  • There is a high $200 annual fee.
  • BlockFi currently supports Bitcoin only.
  • With BlockFi being a credit card, you will need to be approved to receive a card. This is dependent on your credit score.

Our Thoughts

BlockFi is a Visa credit card that allows you to earn 1.5% cashback in the form of Bitcoin. If you are looking for a credit card and a way to earn Bitcoin without buying it, this is the perfect card for you!

BlockFi Visa credit card does come with a higher-than-normal credit card annual fee of $200, which does damper some of the excitement.

>> More: BlockFi Credit Card Review

#4. Debit Cards


  • supports more than 90 cryptocurrencies
  • 5 different card options
  • You can fund your prepaid Visa card using fiat or other cryptocurrencies.
  • None of the 5 cards have any monthly fees since they are prepaid Visa cards, but they all have their own “stake” (read “our thoughts” below for an explanation) requirements.
  • App is available in the Apple and Google Play store.
  • USA residents are covered up to $250,000 of FDIC insurance.
  • uses Multi-Factor Authentication (MFA) for enhanced security.
  • There is 24/7 live customer support.


  • You have to purchase CRO tokens.
  • The number of cards can be confusing.
  • To apply for a Visa card, you must stake CRO tokens for a period of 180 days.

Our Thoughts offers more than 90 cryptocurrencies. However, they offer a plethora of bitcoin debit cards. It has five different Visa prepaid card options, with each option having its own perk and “stake” needed.

Stake means the holding of CRO ( token) in your wallet for a period of 6 months. Once you understand the stake required, you can benefit from generous rewards.

Here are the 5 bitcoin debit cards offered by

  • Obsidian requires a $400,000 stake and earns 8% CRO (’s token) rewards plus 100% of your Spotify, Netflix, and Amazon Prime membership. You also earn 10% off your Expedia and Airbnb reservations. You + 1 Guest can enjoy Airport lounge access as well. Extra perks include access to Private, eligible to earn additional interest, exclusive merchandise welcome pack, and Private Jet Partnership. You can withdraw up to $1,000 free via ATM. Private gives access to OTC block trades of CRO, research reports, inheritance service, industry events access, and priority customer service.

  • Frosted Rose Gold & Icy White requires a $40,000 stake and earns 5% CRO rewards. You then enjoy the same benefits as the Obsidian card, minus Airbnb, and the Private Jet Partnership. You can withdraw up to $1,000 free via ATM.
  • Royal Indigo & Jade Green requires a $4,000 stake and earns 3% CRO rewards. Extra perks include 100% of your Spotify and Netflix reimbursement plus Airport lounge access. You can withdraw up to $800 free via ATM.
  • Ruby Steel requires a $400 stake and earns 2% CRO rewards. The added perk is 100% of your Spotify membership reimbursed. You can withdraw up to $400 free via ATM.
  • Midnight Blue requires a $0 stake and earns 1% CRO rewards. There are no additional perks. You can withdraw up to $200 free via ATM.

#5. Wirex Visa Debit Card

Wirex Bitcoin Debit Card


  • Wirex supports 22 crypto and traditional currencies.
  • The multicurrency Wirex Visa debit card automatically converts to local currency when you pay abroad at the best possible live interbank exchange rates.
  • No exchange fees.
  • Spend over 150 currencies at more than 61 locations worldwide.
  • Cryptoback rewards pay back up to 2% in WXT (Wirex token).
  • 1.5% back on all in-store purchases for eligible cardholders.
  • Instant in-app alerts on all your transactions.
  • Refer a friend and receive $10 in Bitcoin


  • To be eligible for cashback and other benefits, you need to have a stake in WXT. The more your stake, the more rewards. 50,000 WXT qualifies you for 0.75% cashback in Bitcoin. 500,000 WXT qualifies you for 1.5% cashback in Bitcoin.
  • Just now entering the USA, primarily an EU presence.
  • The max allowed on the card is $20,000.

Our Thoughts

Wirex offers great perks and easy conversion to local currency at no additional cost if you travel, especially internationally. Wirex is just being rolled out if you are in the USA, so you may have to wait for access.

#6. Binance Visa Card

Binance Debit Card


  • Binance is the largest crypto exchange and now has its own Visa debit card
  • The Binance Visa debit card has zero fees
  • You can earn up to 8% cashback in BNB (Binance token) for eligible cardholders.
  • Hold crypto in your Binance card wallet and only exchange when you are making payments.


  • There is a 0.9% ATM transaction fee.
  • You need to average 600 BNB’s (Binance token) over the last 30 days to qualify for 8%.
  • The Binance Visa debit card only supports five cryptocurrencies.

Our Thoughts

Binance is the largest crypto exchange, so you can take comfort in knowing your money is safe. Binance also rewards its most invested cardholders by offering up to 8% in rewards every time you use the Binance Visa debit card.

However, you will need to have about $150,000 in your account to be eligible for the highest tier.

#7. BlockCard

BlockCard Crypto Card


  • BlockCard offers 24/7 customer support
  • You receive a virtual card right away while you wait for your plastic BlockCard visa debit card.
  • No fees to deposit, exchange, or withdraw funds.
  • If you have a stake of 145,000 TERN (BlockCard token), you can earn up to 6% cashback.
  • A metal card is coming soon but will cost $50.


  • The daily spending limit is lower than other debit cards at $5,000.
  • Daily ATM withdrawal is only $500.
  • $10 activation fee, which covers the cost of the card.
  • There is a monthly fee of $5, but that can be waived if you have more than $750 in non-cash transactions per month.
  • There are fees for just about everything else outside of no deposit, exchange, and withdrawal fees.
  • You will need to have a stake in TERN to use the BlockCard Visa debit card.

Our Thoughts

The BlockCard is a crypto fintech Visa debit card powered by Ternio. You can convert cryptocurrency into fiat and use it anywhere Visa is accepted.

Unfortunately, there are fees for just about everything, making this card less appealing than most other options.

#8. Nexo Card

Nexo Bitcoin Debit Card


  • The Nexo card is a Mastercard debit card accepted at more than 40 million merchants.
  • There are no monthly or annual fees for the Nexo card and no FX fees.
  • The Nexo card can be ordered through the Nexo app that is available in the Apple and Google Play store.
  • You receive 2% cashback on all purchases.
  • Nexo offers flexible repayment options.
  • You can have multiple virtual cards, which are great when dealing with online merchants.
  • Payments are made in local currencies.
  • Real-time notifications can be set up to alert each time your card is used.
  • Freeze and unfreeze your Nexo card from within the Nexo app.


  • Nexo’s business model is similar to a margin account where you essentially borrow the funds without converting your crypto at the time of purchase. This is great unless your crypto portfolio drops suddenly, which means your purchases would cost you more.
  • With wide fluctuations in crypto, your loan to value (LTV) terms can change often.

Our Thoughts

Nexo has taken a different approach when it comes to providing fiat and cryptocurrency transactions in that they essentially provide you a loan against the crypto in your wallet at the time of the purchase when you use your Nexo debit card.

You can then decide to repay that loan via fiat, so your crypto portfolio doesn’t change. The downside is if your crypto portfolio suddenly tanks, you can be left with having to add additional funds to cover your transactions.

#9. Crypterium

Crypterium Debit Card


  • Crypterium offers a Visa prepaid debit card that has touchless technology.
  • The Crypterium card is free. You just pay for shipping and handling.
  • There is a €2.99 per month fee but is waived if you add at least €299 per month to your card.
  • You can add the Crypterium Visa card to your Apple wallet.
  • You will receive your virtual card within minutes of signing up.
  • Spend limits of €5,000 per month in online and offline retailers.
  • Higher ATM limits of €2,500 per month.
  • Touch ID, Face ID, and 2FA are all security features embedded within the Crypterium app.
  • Block and unblock your Crypterium card within the app.
  • There is 24/7 customer support.


  • Europe-centric, so if you are in the USA, you will need to convert their fees.
  • There is a 2% “top-up” fee.
  • Not available on Google Pay yet.
  • A fee of €0.25 is charged for point-of-sale use.

Our Thoughts

If you are looking for a secure cryptocurrency prepaid debit card with an EU-centric play, Crypterium Visa debit card is the card you are looking for.

While there are no huge advantages for using the card, in the form of cashback rewards other card offers, you will find the overall fees on the Crypterium card are low.

#10. Monolith Visa Debit Card


  • There are zero insurance fees, monthly fees, no minimum deposits.
  • Multiple funding options (debit card, credit card, and cash).
  • Low ATM fees of €0.85 after your two free uses per month
  • The Monolith Visa debit card can be used anywhere Visa is accepted.


  • Monolith charges you 1.75% to use the card.
  • There is a 2% fee to fund the card unless you fund with DAI or TKN tokens.
  • Low withdrawal limits of about €350.
  • Low maximum card balance of €8,000.
  • No cash back rewards.
  • Not currently available in the USA.

Our Thoughts

The Monolith Visa debit card is different from the other options because it is supported by the Ethereum network rather than Bitcoin.

If you are partial to the Ethereum network and not located within the USA, this is a Visa debit card for you!

>> More: What Is Ethereum?

Bitcoin Debit Cards FAQs

Here are some frequently asked questions when it comes to Bitcoin debit cards.

How Do Bitcoin Debit Cards Work?

Bitcoin debit cards work the same as any other debit card. Whether it is Visa or Mastercard branded, you can use your Bitcoin debit card anywhere Visa or Mastercard is accepted (as long as you have cryptocurrency on your card to spend).

How Do I Get a Bitcoin Debit Card?

As you can see from this article, there are many different Bitcoin debit card options to choose from. Find the one that you feel is best suited for you, then go to their website and order the card.

Most will provide you a virtual card right away while you wait for the physical debit card to be delivered via mail, usually within 10 business days.

>> More: Best Cryptocurrency Exchanges

Where Can I Use a Bitcoin Debit Card?

Depending on if your Bitcoin debit card is Visa or Mastercard branded, you can use your Bitcoin debit card anywhere Visa or Mastercard is accepted.

Are Bitcoin Debit Cards Safe to Use?

Yes, Bitcoin debit cards are safe to use. You will have many safety features, both on the card as well as on the app integrated into the card (available on most Bitcoin debit cards), plus no fraud liability if your card is lost or stolen.

>> More: Is Cryptocurrency Safe?

What Is the Best Bitcoin Debit Card?

There are many variances between Bitcoin debit cards. You will need to decide which features (e.g., cashback rewards, loans against your crypto balance, travel rewards, etc.) are most important to you.

In general, here are a few things to consider:

  • Rewards
  • Transaction Fees
  • Security
  • Ease of Use

Bottom Line: Best Bitcoin Debit Cards

It is clear that Bitcoin is here to stay and is becoming more integrated into large global investments. As more retailers begin to accept Bitcoin, you will see even a larger shift in Bitcoin holdings.

The number of Bitcoin debit cards in circulation will continue to increase. As with most investments, you will want to make sure that your Bitcoin debit card is provided to you by a company that has been around for years.

From there, select the Bitcoin debit card that offers you the most perks that are important to you, whether that is traveling rewards, cash back rewards, or Bitcoin rewards.

It is important to note that many Bitcoin debit card providers make you “stake” (hold) their own token so keep that in mind.

Brian Latchford
Brian Latchford

Brian is a serial entrepreneur that loves financial technology and personal finance. From working with start-ups to creating his own recruiting company, Brian knows first hand what it takes to manage money. Throughout his career, Brian has become a respected writer covering topics in personal finance, business, and financial technology.