Best Crypto Credit & Debit Cards 2022

With more people than ever holding cryptocurrency, ‘crypto cards’ have become increasingly popular. These cards work much like regular credit and debit cards, except they allow you to spend your cryptocurrency holdings easily – with no need to convert into FIAT currency before doing so.

With that in mind, this guide will discuss the best crypto credit cards in detail, reviewing the top providers on the market and showing you how to get started using a highly-rated crypto card today – all from the comfort of your own home.


Best Crypto Credit Cards List

Presented below are six of the best crypto credit cards available on the market right now. We’ll review each of these cards individually in the following section, discussing their fees, rewards, and availability.

  1. eToro Money CardOverall Best Crypto Credit Card
  2. Excellent Crypto Card Offering Up To 8% Cashback
  3. BlockFi Best Crypto Card for Restriction-Free Cashback
  4. Nexo – Great Mastercard Crypto Card with Apple Pay Support
  5. Celsius – Upcoming Crypto Card with Zero Fees
  6. Gemini – Premium Crypto Credit Card with Instant Reward Payout


Best Crypto Cards Reviewed

If you regularly invest in Bitcoin (or any other cryptos), having a dedicated crypto Visa card can significantly streamline your purchasing activities. Since these cards link directly to your crypto balance, there’s no need for lengthy conversion processes – which often results in cost savings in the long term.

With that in mind, let’s dive in and review the best crypto cards that were highlighted in the previous section, ensuring you’ve got a clear understanding of your options.

1. eToro Money Card – Overall Best Crypto Credit Card

etoro reviewOur recommendation for the best crypto credit card on the market is the eToro Money card. If you aren’t aware, eToro is one of the world’s leading online brokers, boasting over 24 million registered users. The platform has an exceptional reputation for security, boasting regulation from leading organizations such as the FCA, ASIC, CySEC, FinCEN, and FINRA.

eToro has recently launched its own crypto card, providing a way for users to spend their crypto balance like they would with FIAT currency. The card itself is linked to your eToro Money account, which is separate from your eToro trading account. eToro users must create an eToro Money account before using the card – although the process is seamless and can be completed digitally.

etoro crypto card review

The eToro Money card acts like a Visa debit card, allowing you to spend your crypto holdings anywhere that Visa is accepted. There are no setup costs or monthly fees associated with the eToro Money card – and you can even use the card worldwide with highly competitive exchange rates. eToro users with up to $25,000 of realized equity can complete £650 ($849) worth of fee-free withdrawals per month, whilst users with over $25,000 of realized equity can complete up to £1,000 ($1,306) worth of withdrawals per month for free.

Another great benefit of eToro Money is that users can make fee-free deposits from as little as $10. You can also facilitate instant withdrawals from your eToro Money account, making it simple to use your funds for trading and spending. Finally, eToro Money even provides users with a unique sort code and account number, making it simple to send and receive funds!

Additionally, eToro also offers one of the best crypto wallets so you can store all your digital assets in one safe and convenient place.

Cryptoassets are a highly volatile unregulated investment product. 

2. – Best Crypto Card with up to 8% Cashback logoAnother great option to consider is the credit card. The card comes accompanied by one of the best crypto apps on the market, allowing users to trade more than 250 digital currencies. Aside from the trading aspect,’s dedicated Visa card is one of the best on the market, allowing users to spend their crypto holdings online or in person.

The card has no annual fees and allows top-ups via FIAT currency or crypto. There are five card tiers, each offering a specific cashback amount. The highest tier, Obsidian, provides an impressive 8% cashback on eligible transactions. However, this tier is only accessible by users that stake £300,000 ($391,530) worth of CRO –’s native token. card review

The only tier that doesn’t require any CRO staking is the Midnight Blue tier, which offers 1% cashback on eligible purchases. Cashback distributions are paid in CRO and are instantly deposited into your crypto wallet on the app. In terms of payments, our research for this card review found that you can use the card worldwide, with competitive exchange rates offered.

Each card tier comes with a specific fee-free withdrawal amount per month, starting at £180 ($234) for the Midnight Blue tier. Users are also offered a minimum of £1,800 ($2,349) of free currency exchange transactions per month, with anything above this costing 0.5%. Finally, higher tiers also provide exclusive benefits, such as airport lounge access, priority customer service, and merchandise welcome packs. is also considered one of the best crypto staking platforms that beginner investors can access in 2022.

Cryptoassets are a highly volatile unregulated investment product.

3. BlockFi – Best Crypto Card for Restriction-Free Cashback

blockfi review If you’re looking for a user-friendly crypto rewards credit card, then BlockFi is also worth considering. Although BlockFi is perhaps best known for its crypto lending services, the platform also offers a dedicated Visa card that offers an unlimited 1.5% cashback on every purchase. Furthermore, with no annual fees or FX fees, the BlockFi card is one of the most cost-effective on our list.

Although users can earn a minimum of 1.5% on all purchases, denominated in BTC, BlockFi also runs an introductory offer where new users can receive an impressive 3.5% on eligible purchases – capped at $100 worth BTC. Users can also refer a friend and earn $30 worth of BTC if they use the BlockFi crypto card. Notably, users who spend over $50,000 annually on the BlockFi card will receive 2% cashback on all purchases, rather than the standard 1.5%. As such, Blockfi has also become popular as one of the best crypto interest accounts for 2022.

blockfi card review

Although BlockFi does require ‘good’ credit to utilize their card, the pre-approval process will not affect your credit score. There are also no monthly spending limits once the card is obtained, and BlockFi even provides 0.25% reimbursements on all eligible crypto trades made using the card. Overall, due to these factors, BlockFi’s Visa card is undoubtedly one of the best crypto credit cards available in the market right now.

Cryptoassets are a highly volatile unregulated investment product.

4. Nexo – Great Mastercard Crypto Card with Apple Pay Support

nexo review

The Nexo Card is one of the most user-friendly crypto cards on our list and is accepted by over 40 million merchants worldwide. There are no monthly fees or inactivity fees to worry about, with users obtaining up to 2% cashback on all purchases. The great thing is that Nexo allows users to decide whether they want the cashback denominated in BTC or NEXO – Nexo’s native token.

Another great feature of the Nexo Card is that it can connect with Google Pay and Apple Pay, meaning contactless payments are accepted. Nexo also allows users to create ‘virtual cards’ with unique credentials, making online transactions much safer. Furthermore, if you wish to make withdrawals, Nexo enables users to withdraw up to €10,000 ($10,958) from ATMs per month.

nexo card review

When you make payments with the Nexo card, the purchase is made in the local currency. This means that you save on FX fees, up to a total of €20,000 ($21,917) per month. Finally, aside from the crypto card, Nexo also offers one of the best crypto interest accounts, offering a remarkable 17% APR on eligible coins.

5. Celsius – Upcoming Crypto Card with Zero Fees


The Celsius card is an upcoming crypto card offered by Celsius – a financial services platform focusing on crypto. The platform allows users to earn up to 17% APY on qualified cryptocurrencies – one of the highest rates on the market. Due to this, Celsius has been expanding rapidly over the past year and now boasts over 1.6 million registered users.

In terms of the Celsius card itself, this looks set to be the best crypto credit card for users interested in high rewards with zero monthly fees. The card will offer weekly rewards on your crypto holdings, although the specific percentages are unclear. Since the card is designated as a credit card rather than a debit card, Celsius will allow users to repay the balance using FIAT, stablecoins, or rewards.

celsius card review

The Celsius website provides the option to join the waiting list for this crypto card, which will enable priority updates and entry for exclusive surprises. Finally, as one of the best crypto loan sites, Celsius offers crypto-backed loans from as little as 1% APR.

6. Gemini – Premium Crypto Credit Card with Instant Reward Payout

gemini logo

The final option to consider if you’re looking for the best crypto credit card is Gemini. As you may already know, Gemini is one of the world’s leading cryptocurrency exchanges and was founded by the Winklevoss Twins. Gemini provides various crypto-based services, including the upcoming ‘Gemini Credit Card’.

This card promises to offer crypto rewards on every purchase, with up to 3% cashback offered on eligible transactions. Users can decide whether they’d like rewards to be paid in BTC, ETH, or a selection of 50+ cryptos. In terms of costs, the Gemini Credit Card will charge no annual fees, no FX fees, and no exchange fees.

gemini crypto card review

Interestingly, Gemini pledges to offer instant rewards, removing the need to wait until the end of the month for reward amounts to be distributed. The card itself is aesthetically pleasing, with users able to choose between a black, silver, or rose gold colour scheme. Finally, since the Gemini Credit Card will leverage the scale of the Mastercard network, users will be able to make transactions pretty much anywhere in the world.

Best Crypto Credit Cards Comparison

As you’ll now be aware, many of the best crypto exchanges offer crypto cards that provide direct access to your trading balance. To help streamline the process of choosing between them, the table below presents the supported coins, fees, rewards, and availability of each crypto card mentioned in the previous section – allowing for easy comparison between the providers.

Provider Supported Coins Fees Rewards Availability
eToro Money Card 50+ No monthly fees Automatically accrue staking rewards on eligible coins Anywhere that Visa cards are accepted  90 No monthly fees Up to 8% cashback Anywhere that Visa cards are accepted
BlockFi  8 No monthly fees 3.5% cashback for the first 90 days of use; 1.5% cashback after this point Anywhere that Visa cards are accepted
Nexo 32+ No monthly fees Up to 2% cashback on all transactions Anywhere that Mastercard cards are accepted
Celsius 50+ No monthly fees Not announced yet (waiting list) Not announced yet (waiting list)
Gemini 50+ No monthly fees Up to 3% cashback on transactions Anywhere that Mastercard cards are accepted

How do Crypto Cards Work?

So, how do these crypto cards work? Essentially, crypto cards function in precisely the same way that regular credit or debit cards operate. Users of crypto cards will usually receive a physical card (either Visa or Mastercard), complete with a card number, expiry date, and CVV/CVC number. This ensures that the card can be used online, physically using a card machine, or contactless.

However, unlike regular bank cards, these crypto cards are backed using the cryptocurrency held in the account that you have with the card provider. For example, if you opt for an eToro Money card, the holdings you have in your eToro Money account will be used to facilitate transactions. This means you can buy Bitcoin (or any other supported crypto) and use your digital currency holdings to pay for goods and services.

crypto credit cards

Notably, the merchant does not receive payment in crypto. Instead, when you make a purchase using your crypto card, the necessary funds are automatically converted into FIAT currency in real-time by the card provider. Therefore, the merchant receives payment in their desired currency, whilst you can still use crypto to fund the purchase. Ultimately, this presents a ‘win-win’ scenario for all involved.

Alongside significantly streamlining the purchasing process, crypto cards also come with various additional benefits. Most cards will offer cashback on crypto purchases to entice people to use them, with cashback rates often being higher than traditional bank cards. Many providers also provide fee-free ATM withdrawals up to a certain threshold or reductions in FX fees.

Cryptoassets are a highly volatile unregulated investment product. 

Crypto Debit Cards vs Crypto Credit Cards

When researching the best crypto cards, you’ll likely notice that certain providers use the term ‘credit card’ whilst others opt for ‘debit card’. Although this can seem confusing, these terms can usually be used interchangeably. This is because crypto cards that offer credit facilities are not yet offered on the market.

Therefore, all of the crypto cards mentioned on our list will technically be termed debit cards, as they are backed by your account balance. Essentially this means that you cannot spend more than you have available and cannot borrow extra funds from the provider in the form of credit.

Benefits of Crypto Credit Cards

As you will likely be aware by now, crypto credit cards offer a variety of practical benefits for cardholders. Detailed below are three of the main advantages to consider:

Lucrative Rewards

Many of the crypto cards noted within this guide will offer impressive rewards to cardholders in the form of cashback. Cashback within the context of crypto cards will be paid in crypto – with the specific crypto either being the provider’s native token or a widely-used coin such as BTC. The best crypto credit card for cashback rewards is likely the one offered by, which provides up to 8% cashback on the highest tier.

Make Payments Using Crypto

As expected, the main benefit of crypto cards is the ability to spend your crypto holdings easily and instantly. If you made a successful crypto trade and wished to use the proceeds without a crypto card, then you’d have to convert the crypto into FIAT and send the funds back to your bank account – which can be a lengthy process. However, crypto cards are designed to streamline the process, allowing users to spend the crypto they have in their balance as if it was FIAT, whilst leveraging the power of the Visa or Mastercard network.

etoro crypto card benefits

Can Be Used Abroad

Finally, most crypto cards (including the eToro Money card) can be used abroad with competitive exchange rates. This is great for people that travel frequently, as it offers an ‘all-in-one’ spending solution. Furthermore, certain crypto card providers will even waiver foreign exchange fees up to a certain threshold, offering an attractive alternative to using a traditional bank card.

How to Choose the Right Crypto Credit Card for You

Although the list presented earlier has provided an overview of the best crypto cards, it may still be challenging to decide between them. Ultimately, this decision will be based on your unique circumstances and needs, so it’s vital to conduct all of the necessary research.

To help with the decision-making process, here are five of the main factors to bear in mind when choosing a crypto credit card:


Fees are obviously something to consider, as there’s no point opting for a crypto card if it’s going to cost you an excessive amount each month. Luckily, most crypto cards are reasonably priced and may even be cheaper to use than some traditional debit cards.

etoro crypto card fees

The most common fees to be aware of are monthly/annual account fees and ATM withdrawal fees. For example, the credit card fee is non-existent for withdrawals up to £180 ($234) per month on the Midnight Blue tier. The provider also offers a minimum of £1,800 ($2,349) worth of free currency exchange transactions per month.


Much like many crypto staking platforms, crypto credit cards often come accompanied by rewards in the form of crypto. Many of the cards presented on our list offer cashback, although most tend to have eligibility criteria attached. 

Supported Cryptos

The best crypto credit cards offer support for a selection of cryptocurrencies, rather than just one or two. The eToro Money card is an excellent example of this, as it allows users to use over 50 different cryptos to facilitate payments. This means users can buy Ethereum and numerous other altcoins and use these digital currencies to pay merchants.

eToro crypto trading

Eligibility Criteria

Due to the nature of these crypto cards, some providers will have eligibility criteria that would-be users must meet. A few providers will require users to have good credit scores before being able to use the card, whilst others may require a certain amount of their native token staked. 


Finally, the card’s usability is a crucial factor to consider, as this will ensure you can use the card in the same manner as a traditional debit card. Fortunately, all of the cards presented in this guide utilize the Visa or Mastercard network, meaning they are accepted by merchants worldwide. Interestingly, since the funds are automatically exchanged into FIAT before payment, the merchant won’t know that you are using a crypto-backed debit card.

How to Qualify for and Use a Crypto Card

Finally, let’s take a look at the process of obtaining and using a crypto card. As noted earlier, we recommend opting for the eToro Money card, as there are no monthly fees and support for over 50 cryptos.

With that in mind, the six quick steps below will walk you through how to acquire an eToro Money card, all from the comfort of your own home.

Step 1 – Open an eToro Account

Head to eToro’s website, click ‘Join Now’, and provide the requested details to open a trading account. Following this, click ‘Complete Profile’ and upload proof of ID (e.g. passport) and proof of address (e.g. bank statement) to verify your account.

etoro sign up

Cryptoassets are a highly volatile unregulated investment product.

Step 2 – Create an eToro Money Account

The eToro Money account is entirely separate from your new eToro trading account – so you will have to set one up before being eligible for eToro’s crypto card. eToro Money accounts are only accessible by members of the ‘eToro Club’, which essentially means you must have a minimum of $5,000 of realized equity in your trading account. You can easily opt-in for eToro Money through the eToro website if you meet these criteria.

etoro money account

Step 3 – Receive Crypto Card

Once your eToro Money account is opened, eToro will automatically send your crypto card to the address you provided during the verification process. 

Step 4 – Make a Deposit

Before buying the crypto for use with your new crypto card, you’ll have to make a deposit. eToro charges no conversion fees for USD-denominated deposits and allows funding from as little as $10. In terms of payment methods, eToro currently accepts the following:

  • Credit card
  • Debit card
  • Bank transfer
  • PayPal
  • Skrill
  • Neteller

Step 5 – Buy Crypto

Type the name of the cryptocurrency you’d like to buy into the search bar and click ‘Trade’. Enter your desired position size (minimum $10) in the order box that appears and click ‘Open Trade’.

etoro buy BTC

Step 6 – Use eToro Money Card

Finally, head over to your ‘Portfolio’ section, click on the crypto you’d like to transfer, and click ‘Transfer to Wallet’. This will move your crypto holdings over to your eToro Money account, where you can then use them to facilitate purchases made using your eToro Money card.

etoro crypto visa card

Best Crypto Credit Card – Conclusion

To summarize, this guide has presented everything you need to know about the best crypto debit cards, covering the top providers and the benefits of using these cards. With crypto adoption increasing every month, crypto cards are likely to become more prevalent as we move forward – meaning now could be the ideal time to get involved.

If you are looking to set up a crypto credit card today, we’d recommend using the one offered by eToro. The eToro Money card ties directly to your account balance, allowing you to spend your crypto holdings freely. What’s more, there are no monthly fees to use this crypto card – and eToro even provides a handy auto-staking feature so you can generate a return on eligible holdings.

etoro review

Cryptoassets are a highly volatile unregulated investment product.

Frequently Asked Questions on Crypto Credit Cards

Is there a crypto credit card?

What crypto cards are there?

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Author: Traciwininger

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