Best Crypto Cards 2024 : Binance Card Alternatives

The best crypto cards, debit and credit, which allow users to spend cryptocurrency holdings at traditional merchant locations, have rapidly developed, resulting in a wide variety on the market. 

While numerous companies offer these card services, our experts combined a list of the 8 best crypto cards that serve as alternatives to best crypto card Binance:

✔️ Uphold 

✔️ Nexo

✔️ Bitpay

✔️ Coinbase


✔️ Mastercard-backed Card

✔️ eToro

✔️ Visa-backed card

Table of content

Uphold: A Versatile Mastercard Debit Card


Uphold exchange offers a Mastercard crypto debit card that can be used anywhere Mastercard is accepted. Users can spend assets in their Uphold wallet, including fiat, precious metals, commodities, and cryptocurrencies. 

The card can be added to digital crypto wallet card like Google Pay or Apple Pay for convenience and security. 

Notably, there are no activation or annual fees, and users can track their spending with real-time analytics. Plus, they can earn 4% cashback in Ripple (XRP) for every purchase.

Nexo Mastercard for Cryptocurrency Loans


For those interested in cryptocurrency loans, the Nexo Mastercard crypto card is a crowd favorite. Even if you’re not seeking a large loan from Nexo, this one of the best crypto credit card is still appealing. 

The accompanying smartphone app enhances the user experience, enabling easy notifications, PIN changes, and card freezing in case of loss or theft.

Bitpay Mastercard


The Bitpay credit card for crypto, powered by Mastercard, is another highly regarded option. It has gained a dedicated following due to its association with BitPay, a trusted platform for buying Bitcoin.

This card works seamlessly with the BitPay crypto card Wallet, allowing users to spend their Bitcoin for everyday transactions. While it does not offer rewards, it supports Bitcoin and has no monthly fees.

Coinbase: The Preferred Choice for Coinbase Users


For users of Coinbase, one of the leading cryptocurrency exchanges, their debit card cryptocurrency is a top choice. Powered by Visa, this card enables easy crypto conversion to fiat across the Visa network and point-of-sale systems.

The only downside is the transaction fees, which include a 2.5% liquidation fee for cryptocurrency and a 2% international transaction fee. A Free Metal Debit Card

The card, powered by Visa, is a free and metal debit card crypto linked to crypto. It offers a transparent and easy top-up model for loading Bitcoin and other cryptocurrencies. Once loaded, the card can be used at any location that accepts Visa. 

Cardholders also receive reimbursements from popular subscription services like Netflix, Amazon Prime, and Spotify. Additionally, provides access to airport lounges, similar to traditional fiat debit cards.

Mastercard-backed Card with Unique Rewards

Another top choice is the Mastercard-backed card that offers unique rewards and is widely accepted. Cardholders can earn 3% cashback on dining purchases, 2% on daily items and groceries, and 1% on all other purchases. 

These rewards are paid in Bitcoin or other compatible cryptocurrencies. The Gemini Exchange backs this card and can be easily managed through the Gemini app. While there is no annual fee, transaction fees range from 0.5% to 4%.

eToro: A Bitcoin Debit Card for Traders


eToro, a popular trading platform, offers a Bitcoin debit card for crypto that can be used alongside an eToro account. This card allows users to manage and use their cryptocurrencies for payments.

While there are no annual maintenance fees, users are responsible for ATM charges and other transaction costs. eToro also provides a comprehensive trading platform for various assets, offering an all-in-one investment experience.
However, the app lacks features for tracking transactions and making bank transfers.

Visa-backed Crypto Card for Beginners and Enthusiasts

The Visa-backed crypto card gaining popularity among beginners and enthusiasts is the BlockFi Rewards Visa Signature Card. 

It offers consistent crypto rewards and an attractive introductory offer. Users can also access the Visa Signature Concierge Service, which assists with travel bookings and activities.

What are Crypto Cards?

Cryptocards, also known as cryptocurrency debit or credit cards, are financial products that allow users to make transactions and payments using cryptocurrencies, such as Bitcoin, Ethereum, or other digital assets. 

These cards function similarly to traditional debit or credit cards, providing a convenient way to spend crypto at merchants and withdraw cash from ATMs that accept Visa or MasterCard.

Users can load their crypto onto these crypto credit cards, and when making a purchase or ATM withdrawal, the card automatically converts the selected cryptocurrency into the local fiat currency. 

This enables individuals to use their cryptocurrencies for everyday expenses and purchases, even at locations that don’t directly accept digital currencies.

In addition to facilitating crypto-to-fiat conversion, some crypto cards offer rewards programs, cashback, or interest on the stored cryptocurrencies, providing additional financial benefits to users. 

These cards are issued by various financial institutions and crypto service providers, making it easier for crypto enthusiasts to use their digital assets for practical transactions.

Features and Benefits of Crypto Debit and Credit Cards

  • Crypto debit and cryptocurrency credit card provide cashback rewards to users.
  • Some of these cards offer the opportunity to earn interest on the cryptocurrency in the account.
  • They allow instant conversion of crypto to fiat and ATM withdrawals.
  • These cards are accepted for payments at stores that accept Visa and MasterCard.
  • Rewards earned are usually in cryptocurrency and may not be immediately deposited but can be redeemed later.
  • Not all cryptocurrencies are supported by these cards.

Considerations and Risks

It’s important to note that investing in crypto assets carries a high level of risk. Users should carefully read and understand the terms and conditions of the platforms offering these cards before investing. 

The value of crypto assets can be highly volatile, and there is a risk of losing all invested capital.

How do Crypto Credit and Debit Cards work?

Here’s how they typically work:


Account Setup:

First, users must open an account with a company that offers crypto credit or debit card services.

Identity Verification:

As part of the onboarding process, users often need to verify their identity, complying with Know Your Customer (KYC) regulations to prevent fraud and ensure security.

Deposit or Application:

To obtain a crypto card, users may need to either deposit a required amount of platform tokens or cryptocurrency as collateral or in some cases, they can apply for the card free of charge.

Card Issuance:

Upon approval, the company issues the crypto card to the user, either as a physical card or a crypto virtual cards linked to a mobile app.

Wallet Integration:

Most companies also provide a software cryptocurrency wallet card and a mobile app that users can use to load their crypto or fiat currency onto the card.

Spending and Transactions:

Users can use their crypto credit or debit cards to purchase at any merchant that accepts Visa or MasterCard, which is widely supported worldwide.

Automatic Conversion:

When making a purchase or ATM withdrawal, the card automatically converts the selected cryptocurrency into the local fiat currency, allowing seamless spending.

Rewards and Benefits:

Some crypto cards offer rewards, such as cashback or loyalty points, on transactions made with the card. Additionally, some cards allow users to earn interest on the crypto holdings in their accounts.

Payment Settlement:

Users are billed for their card usage at the end of a billing cycle, much like a traditional credit card. They can settle the balance with either cryptocurrency or fiat currency.

It’s important to note that the specific features, fees, and supported cryptocurrencies can vary among different top crypto card providers. 


⭐ Is there a crypto credit card?

Yes, there are a few best crypto credit cards available. One notable option is the BlockFi Bitcoin Rewards Credit Card, which offers 1.5% cash back per transaction, paid in Bitcoin. New users can enjoy even higher rewards of 3.5% for the first 90 days. You can choose your own best credit card for cryptocurrency.

⭐ Should I get a crypto card?

Crypto debit or credit cards offer the convenience of instant crypto-to-fiat conversion at merchant points and ATMs, enabling purchases at non-crypto-accepting outlets, cash withdrawals, transaction rewards, and potential crypto loans.

⭐ Is there a crypto debit card?

Numerous best crypto debit cards, such as, Coinbase Card, Nexo, Crypterium, SoFi, Wirex, TenX, and Swipe Visa, permit swift crypto conversion, ATM withdrawals through MasterCard or Visa support, and crypto payments at outlets not directly accepting it.

⭐ How does the crypto card work?

A cryptocurrency rewards credit card operates like a typical rewards credit card, allowing you to accumulate cryptocurrency rewards on your purchases instead of cash back or points, with the standard procedure of obtaining a credit line from a bank for purchases and settling the balance at the end of the billing period.

⭐ What are the benefits of a crypto card?

Crypto debit cards offer advantages such as broader merchant acceptance and enhanced convenience, encouraging cryptocurrency spending, and allowing users to transact using these cards wherever card payments are accepted, similar to a Visa cryptocurrency card. Also you can have virtual crypto card.

⭐ Are crypto cards safe?

Similar to conventional debit or credit cards, crypto cards can be vulnerable to fraud and theft, potentially enabling unauthorized use even if the physical card is lost unless proper safeguards are in place.

Using Crypto Credit and Debit Cards

Once the card is loaded, it can be used like any ordinary debit or credit card. Users can purchase at merchant stores, outlets, or ATMs, withdraw cash, and even earn transaction rewards. 

For example, the Visa card offers cashback rewards for every purchase made with crypto through the card. Users can also pay for goods and services, earn staking rewards, and withdraw money via Visa and MasterCard ATMs.

Best Crypto Cards: Summary

Crypto cards, also known as cryptocurrency debit or credit cards, are financial tools that enable users to spend their cryptocurrencies for everyday purchases and transactions. 

Users can load their crypto onto these cards, making it convenient to use digital assets at merchants and withdraw cash from ATMs that accept Visa or MasterCard. Some crypto cards offer rewards, cashback, and even the opportunity to earn interest on crypto holdings, providing additional financial benefits to users. 

These best crypto cards are issued by various financial institutions and crypto service providers, making it easier for individuals to integrate cryptocurrencies into their daily financial activities.

Yana Levkovich

Crypto Analyst

Yana is an expert with a deep understanding of cryptocurrency more than 7+ years. Covering everything from traditional technology to blockchain tech and decentralized finance (DeFi). Her expertise extends to tasks like white paper creation and tokenomics consultancy. She advises companies seeking success in the cryptocurrency industry, so sh ..
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