Best crypto cards in 2026, compared on fees, verification, phone wallets and countries
The best crypto card for you depends on the coin you hold, the country you live in and the fees you will actually pay. This comparison puts 10 crypto cards next to Unlockd, using figures from each provider's own pages read on November 9, 2026.
How do you choose the best crypto card?
You choose the best crypto card by checking five things in order: card type, funding assets, the total fee stack, verification and countries, and phone wallets. A card that looks free can cost more once conversion and foreign-exchange fees are added.
- Card type. Virtual cards work online and in phone wallets where supported. You need a physical card for chip-and-PIN terminals and most ATMs.
- Funding assets. Check the exact coin and network. If you hold USDT, confirm the card accepts USDT, not only USDC or BTC.
- Total fee stack. Add the card fee, the load or conversion fee, the foreign-exchange fee and any monthly fee.
- Verification and countries. Every card here publishes some form of identity check. Country lists differ widely.
- Phone wallets. Apple Pay and Google Pay support varies by card and by region.
Crypto card comparison: 11 cards side by side
The table compares 11 crypto cards on the points that decide what you pay and whether you can sign up. Unlockd's current prices come from its live published tariff, shown directly above the table. Other figures cite the provider pages listed under sources.
- Card issuance
- $12
- Includes $5 starting balance on the new card
- Card load fee
- 4%
- Of each load amount, added to what you pay
- Authorization attempt
- $0.30
- Every attempt, including declines
- EUR FX conversion
- 1%
- Applies to EUR purchases on the USD card
- Card loads
- $10 to $5,000
- Per load, in US dollars
Pricing version 2026-11-whole-cents. Every card purchase and load shows an exact USDT quote before you confirm it. All fees and limits
| Card | Card type | Funding assets | Card fee | Load or conversion fee | FX fee | Monthly or annual fee | Apple Pay / Google Pay | Verification | Countries | Telegram access |
|---|---|---|---|---|---|---|---|---|---|---|
| Unlockd | Virtual | USDT balance; deposits in USDT or another listed coin, converted to USDT | See current fees | See current fees | See current fees | See current fees | Where supported | Verified contact email; country restrictions apply | See eligibility | Yes (Telegram Mini App) |
| Bitrefill Card | Virtual and physical | BTC, Lightning, ETH, BNB, POL, SOL, USDC | Free | 1.99% plus variable exchange cost | None from Bitrefill (Visa rate applies) | None; EUR 10 a month after 12 months inactive | Google Pay yes; Apple Pay not supported (July 2025) | Identity verification by card partner; 18+ | 28 listed European countries | Not published |
| Bybit Card | Virtual and physical | USDT, USDC, BTC, ETH, XRP, GRAM | Virtual: none until further notice; physical varies by region | 0.9% crypto conversion (0.5% Argentina) | 2% in most regions; 1.5% Brazil; 7% Argentina | None | Both in most regions; Apple Pay not listed for Asia Pacific or Mexico | Identity verification and residential address | Argentina, Australia, Brazil, Georgia, Kazakhstan (AIFC), Mexico, Peru, Asia Pacific | Not published |
| Crypto.com Visa Card (Europe) | Physical; virtual not stated on fee page | Converted from Crypto.com balances; no direct crypto load | Midnight tier physical card EUR 4.99 | 1% from a bank card; crypto wallet top-up not published | Midnight: 0.2% in EU and UK, 2.0% outside | Midnight free; paid tiers from EUR 3.99 a month | Apple Pay listed; Google Pay not stated | KYC plus income, occupation and expected volume | Residents of Europe (other regions have separate pages) | Not published |
| ether.fi Cash | Virtual and physical | USDC, USDT, EURC, liquidUSD, liquidEUR; or borrow against crypto | Core: first virtual card free in most regions, $10 in 12 listed countries | Not published (Borrow Mode charges interest) | Core 0.5%, Luxe 0.25%, Pinnacle none | Luxe $199 a year; Pinnacle $999 a year; Core not stated | Apple Pay in certain countries; Google Pay | KYC verification | Published country list plus listed US states | Not published |
| KAST | Virtual and physical | USDT, USDC, PYUSD, RLUSD | Standard: 2 free cards; $40 physical card shipping | Not published | Not published | Standard free; Premium $1,000 a year; Private $10,000 a year | Both supported | Identity verification | Varies by jurisdiction; no list published | Not published |
| Kripicard | Virtual | USDT, USDC, BTC, ETH and other listed coins | $5 per card; $10 minimum first load | 4% funding fee plus $1 processing fee | 0.00% | $0 | Apple Pay, Google Pay and Samsung Pay listed | KYC required in all regions | Europe and Latin America named; sanctioned jurisdictions excluded | Support channels only |
| MetaMask Card | Virtual; Metal card optional | mUSD, USDC, USDT, EURe, GBPe, wETH on Linea, Solana, Monad, Base | Virtual free | Stablecoin in local currency none; third currency 0.5%; other crypto 0.875% | 1% cross-border on virtual; none on Metal | Virtual $0; Metal $199 a year | Both supported | KYC and proof of residency | 46 listed countries; US sign-ups temporarily closed | Not published |
| Nexo Card | Virtual and physical | Stablecoins, crypto, EURx, USDx, GBPx | Virtual free; physical free with Gold tier and over $5,000 | Not published | Weekdays 0.2% EEA/UK/CH, 2% elsewhere; weekends 0.7% and 2.5% | None | Both supported | Identity verification with a European ID | Selected European countries including EEA and UK | Not published |
| Oobit | Virtual only | USDT, USDC, BTC, ETH, SOL and others (varies by location) | Free | Crypto deposit free; 1% card payment fee (minimum $0.25) | 1.5% conversion on non-USD payments | Free | Apple Pay and Google Wallet | Identity verification before card issue | 74 countries and territories | Not published |
| RedotPay | Virtual and physical | USDT, USDC, BTC, ETH and more | Virtual 10.00 USD; physical 100.00 USD | Deposit free; 1.00% crypto conversion fee | 1.20% outside the card currency | Waived | Apple Pay and Google Pay listed | ID document, selfie, age 18+ | No country list; not usable in sanctioned countries | Not published |
- RedotPay Card Limitations & Fees
- Supported Cryptocurrencies, Networks & Minimum Deposits
- Rules for physical cards and virtual cards
- Identity Verification Requirements
- Where Can I Use My RedotPay Card?
- Fees and Limits (Bybit Card)
- FAQ - Bybit Card General Inquiries
- How to Get Started with Bybit Card
- Crypto.com Prepaid Visa Card Fees and Limits (Europe - for users with a residential address in Europe)
- Crypto.com Visa Card: Earn Up to 5% back on your daily spending
- Additional KYC Information Needed for European Card users
- Crypto Debit & Credit Card | Earn up to 2% Cashback | Nexo
- MetaMask Card limits and fees
- MetaMask Card: Spend crypto anywhere
- Get started with MetaMask Card
- What's the foreign exchange (FX) rate used on Cash transactions?
- What are the benefits of a personal Cash credit card?
- Why is there a $10 fee for my first virtual Cash card?
- In which countries is the Cash card available?
- How do I add my card to Apple Wallet or Google Pay?
- Understanding your Cash card: Borrow Mode vs Direct Pay Mode
- Oobit Fees & Pricing | Personal & Business Accounts
- What are Oobit's fees?
- What is the Oobit card?
- Is Oobit available in my country?
- Do I need to verify my account?
- Which assets and networks does Oobit support?
- Payments & Crypto Card | Oobit Help Center
- Crypto Debit Card by Bitrefill | Virtual & Physical Visa Card (features)
- What is the fee to add money to the Bitrefill Card?
- Are there any foreign exchange fees with the Bitrefill Card?
- Crypto Debit Card by Bitrefill | Virtual & Physical Visa Card (limits)
- What cryptocurrencies can I load onto the Bitrefill Card?
- Who is eligible to apply for the Bitrefill Card?
- Crypto Debit Card by Bitrefill | Virtual & Physical Visa Card (FAQ)
- Can I link my Bitrefill Card to Apple Pay?
- Can I link my Bitrefill Card to Google Pay?
- Fees & Pricing - Instant USDT Virtual Card & Crypto VCC | Kripicard
- Kripicard | Instant Crypto Cards - USDT Virtual Card & Global VCC
- Kripicard Supported Countries: Where It Works (2026)
- KAST membership: up to 3% cashback on eligible spend | KAST
- KAST crypto cards
- Stablecoin account and card for 170+ countries | KAST
Fees, tiers and country lists change often. Check the provider's current page before you apply.
Crypto card review: one profile per card
Each profile states what the provider publishes, with no ranking. This crypto card review covers published terms; we did not test every card.
Unlockd
Unlockd is a virtual USD prepaid card. You fund an internal USDT balance, then accept a disclosed quote before paying for card issuance or loading USD onto the card. A deposit can be paid in USDT or another coin listed on the deposit screen, and the payment processor credits the balance with the USDT actually settled, after network and processing fees. You sign in with Telegram or a verified email and password, and the same account works on the website and in the Telegram Mini App. The issuance price, the load fee and the starting balance included with the card are in the tariff summary above and on the fees page.
- USDTTether USDon Tron (TRC-20), Ethereum (ERC-20) or BNB Smart Chain (BEP-20)
- USDCUSD Coinon Ethereum (ERC-20)
- BTCBitcoinon Bitcoin
- ETHEtheron Ethereum
- LTCLitecoinon Litecoin
- XMRMoneroon Monero
Every deposit lands as USDT on your balance. The deposit screen shows any network or service fees before you pay. Send only the coin you chose, on the network shown in your payment request.
Unlockd has no physical card, ATM cash withdrawal, cashback or rewards, or withdrawal of crypto back out. A card needs a verified contact email, and some countries are restricted; see eligibility for the current list.
Bitrefill Card
The Bitrefill Card is a Visa card with free virtual and physical versions and limits set in euros. You load it with BTC (including Lightning), ETH, BNB, POL, SOL or USDC; USDT is not on the published list. Bitrefill charges 1.99% on top of the variable exchange cost when you add money and says it adds no FX fee.
Bybit Card
The Bybit Card spends from your Bybit Funding Account, using USDT, USDC, BTC, ETH, XRP or GRAM in an order you set. The virtual card has no issuance fee until further notice, and the crypto conversion fee is 0.9% in most listed regions. Applicants complete identity verification and give a residential address.
Crypto.com Visa Card
The Crypto.com Prepaid Visa Card is topped up from Crypto.com balances or a bank card, and Crypto.com says crypto cannot be loaded onto the card directly. On its Europe fee page, the free Midnight tier has a EUR 4.99 physical card fee. Higher tiers need a monthly subscription or a CRO lockup. European cardholders also provide income, occupation and expected transaction volume before topping up.
ether.fi Cash
ether.fi Cash can pay directly from stablecoins such as USDC, USDT and EURC, or borrow against crypto in your vault, with variable interest on borrowed amounts. The added FX fee depends on membership: 0.5% for Core, 0.25% for Luxe and none for Pinnacle. Luxe costs $199 a year and Pinnacle $999 a year. Eligibility is subject to KYC and a published country list.
KAST
KAST is a stablecoin account with Visa cards that supports USDT, USDC, PYUSD and RLUSD. The Standard membership is free and includes two cards, with a $40 shipping charge for physical cards. Its public pages do not publish an FX or top-up fee; KAST says fees are shown before you confirm. KAST uses identity verification, and availability varies by jurisdiction.
Kripicard
Kripicard issues virtual Visa or Mastercard cards billed in USD and funded with crypto such as USDT, USDC, BTC and ETH. Its fee page lists $5 per card, a $10 minimum first load that becomes the card balance, and a 4% funding fee plus a $1 processing fee. Kripicard says KYC is required everywhere it operates, and it lists Telegram for support and community channels.
MetaMask Card
MetaMask Card pays from your own MetaMask wallet, and MetaMask says you keep custody of your tokens until you pay. It supports mUSD, USDC, USDT, EURe, GBPe and wETH on Linea, Solana, Monad and Base. The virtual card has no annual fee and the Metal card costs $199 a year. Sign-up needs KYC and proof of residency, and US sign-ups are temporarily closed.
Nexo Card
The Nexo Card has a free virtual version and a free physical version that requires Gold Loyalty Tier and a portfolio above $5,000. In Debit Mode it spends stablecoins, crypto and FiatX assets such as USDx. Nexo publishes no monthly, annual or inactivity card fees, and its FX fee is higher on weekends. The card is limited to citizens and residents of selected European countries with an eligible identity document.
Oobit
Oobit's card is a virtual-only Visa card that you can add to Apple Pay or Google Wallet. Getting and holding the card is free, and card payments carry a 1% fee with a $0.25 minimum. Oobit can also fund payments from a self-custody wallet through its Depay feature. Identity verification is required before you get a card, and Oobit lists 74 supported countries and territories.
RedotPay
RedotPay offers virtual and physical cards funded from a crypto balance that accepts USDT, USDC, BTC, ETH and more. Its help center fee table lists 10.00 USD for a virtual card and 100.00 USD for a physical card. Deposits are free, a 1.00% crypto conversion fee applies, and account maintenance is waived. Verification needs an original ID document, a biometric selfie and a minimum age of 18.
How we compared these crypto cards
We compared these cards using only each provider's own fee pages, product pages and official help centers, read on November 9, 2026. We did not copy figures from third-party reviews or listicles. Where the pages we reviewed do not state a figure, the table says "not published".
Where pricing varies by region or tier, the cell names the one used. We picked cards open to consumers, funded with stablecoins or other crypto, with a public fee page. We left out cards whose official fee pages we could not read on the review date, and Gnosis Pay, whose card and web app are scheduled to stop on December 20, 2026.
Unlockd publishes this page and appears in the table. Its prices come from the live tariff summary, not typed text. We update this list of crypto debit cards quarterly.
Crypto card fees that are easy to miss
The fees that are easiest to miss are charged per purchase or per month rather than once.
- Foreign-exchange fees. FX fees often depend on tier, region or day. Nexo charges more on weekends, and the Bybit Card FX fee ranges from 1.5% to 7% by issuing region.
- Conversion and top-up spreads. Examples include the 0.9% Bybit conversion fee, the 1.00% RedotPay conversion fee and the Bitrefill 1.99% fee plus a variable exchange cost.
- Authorization and decline fees. RedotPay charges for small authorizations and declined transactions after a monthly free allowance. Oobit states no fee on declined purchases.
- Inactivity fees. Crypto.com Europe and Bitrefill charge a monthly fee after 12 months without card activity.
- Card and shipping charges. A physical card can cost more than a virtual one. KAST charges Standard members for physical card shipping.
Unlockd shows the issuance price and the load fee in a disclosed quote before you accept. Each authorization attempt, including a decline, carries the authorization fee listed on the fees page, which also lists any conversion fee that applies. The worked example below shows what a card receives and what your balance pays.
- Card receives
- 100.00USD
- In USDT1 USD ≈ 1.0109 USDT
- 101.09USDT
- Top-up fee (4.00%)
- 4.05USDT
Live estimate, rate checked 9 Nov 2026, 16:00 UTC. Your quote in the app is exact and valid for a short time.
Which type of crypto card suits you?
The right type of crypto card depends on where your crypto sits today and where you spend.
- Exchange-linked cards (Bybit Card, Crypto.com, Nexo) spend from a balance you already keep on that platform. Check the conversion fee on each purchase.
- Self-custody wallet cards (MetaMask Card, ether.fi Cash, Oobit with Depay) keep tokens in your own wallet until you pay. Check the supported tokens and networks.
- Stablecoin prepaid apps (RedotPay, KAST, Kripicard, Unlockd) let you hold a stablecoin balance and spend it by card. There is no single best USDT virtual card, so check that USDT is accepted and add up the funding fees.
- Euro cards for European residents (Bitrefill, Crypto.com Europe, Nexo) set limits in euros. Check the FX fee if you often pay in US dollars.
- Virtual-only cards (Oobit, Kripicard, Unlockd) suit online checkouts and phone wallets where supported. If you want the best crypto virtual card for you, compare funding fees and wallet support first.
Looking for the best prepaid crypto card for spending in US dollars? Read how a prepaid crypto card works, or see the USDT card page if you hold USDT.
Create an Unlockd account Eligibility rules apply. You accept a disclosed quote before any issuance or load.
What is the best crypto card?
The best crypto card is the one that accepts the coin you hold, is available in your country and has the lowest total fees for how you spend. No single card wins on all three.
If you are asking what is the best crypto debit card for you, start with the funding asset, then compare the FX and conversion fees. Reddit threads about the best crypto card can help, but check any quoted fee against the provider's current page.
Are crypto cards debit or prepaid?
Crypto cards can be prepaid, debit or credit, and the label varies by provider and region. Crypto.com calls its card a prepaid Visa card, ether.fi describes Cash as a credit card, and Bybit describes its card as prepaid in some regions and credit in others.
Unlockd is a prepaid card, and it is not a bank account. Read what a crypto card is for how the models differ.
Do crypto cards need verification?
Yes, every card in this comparison publishes some form of identity verification. Requirements range from an ID document and selfie to proof of residency and questions about income.
For Unlockd, a card needs a verified contact email, and residents of restricted countries and territories cannot use the service.
Which crypto cards work with Apple Pay?
Most cards in this comparison list Apple Pay, but support often depends on your region. RedotPay, MetaMask Card, Nexo, Oobit, Kripicard and KAST list it; Bybit lists it in most regions, ether.fi in certain countries, and Crypto.com mentions it for its European card.
Bitrefill's help center said Apple Pay was not supported as of July 2025, while Google Pay is. For Unlockd, Apple Pay and Google Pay are available where supported. See crypto cards with Apple Pay and Google Pay for more detail.
Can I get a virtual-only card?
Yes, Oobit, Kripicard and Unlockd offer virtual cards with no physical version listed. Several other providers issue a virtual card first and offer a physical card as an option.
Unlockd works with online merchants that accept US dollar cards, and in phone wallets where supported. It has no physical card and no ATM cash withdrawal.
How often is this comparison updated?
We update this crypto card comparison every quarter. Each figure has a source with the date we read the provider page.
If a figure here differs from the provider's current page, the provider's page applies.
Sources
- RedotPay Card Limitations & Fees
- Supported Cryptocurrencies, Networks & Minimum Deposits
- Rules for physical cards and virtual cards
- Identity Verification Requirements
- Where Can I Use My RedotPay Card?
- Fees and Limits (Bybit Card)
- FAQ - Bybit Card General Inquiries
- How to Get Started with Bybit Card
- Crypto.com Prepaid Visa Card Fees and Limits (Europe - for users with a residential address in Europe)
- Crypto.com Visa Card: Earn Up to 5% back on your daily spending
- Additional KYC Information Needed for European Card users
- Crypto Debit & Credit Card | Earn up to 2% Cashback | Nexo
- MetaMask Card limits and fees
- MetaMask Card: Spend crypto anywhere
- Get started with MetaMask Card
- What's the foreign exchange (FX) rate used on Cash transactions?
- What are the benefits of a personal Cash credit card?
- Why is there a $10 fee for my first virtual Cash card?
- In which countries is the Cash card available?
- How do I add my card to Apple Wallet or Google Pay?
- Understanding your Cash card: Borrow Mode vs Direct Pay Mode
- Oobit Fees & Pricing | Personal & Business Accounts
- What are Oobit's fees?
- What is the Oobit card?
- Is Oobit available in my country?
- Do I need to verify my account?
- Which assets and networks does Oobit support?
- Payments & Crypto Card | Oobit Help Center
- Crypto Debit Card by Bitrefill | Virtual & Physical Visa Card (features)
- What is the fee to add money to the Bitrefill Card?
- Are there any foreign exchange fees with the Bitrefill Card?
- Crypto Debit Card by Bitrefill | Virtual & Physical Visa Card (limits)
- What cryptocurrencies can I load onto the Bitrefill Card?
- Who is eligible to apply for the Bitrefill Card?
- Crypto Debit Card by Bitrefill | Virtual & Physical Visa Card (FAQ)
- Can I link my Bitrefill Card to Apple Pay?
- Can I link my Bitrefill Card to Google Pay?
- Fees & Pricing - Instant USDT Virtual Card & Crypto VCC | Kripicard
- Kripicard | Instant Crypto Cards - USDT Virtual Card & Global VCC
- Kripicard Supported Countries: Where It Works (2026)
- KAST membership: up to 3% cashback on eligible spend | KAST
- KAST crypto cards
- Stablecoin account and card for 170+ countries | KAST
- What is happening to Gnosis Pay