What Is a Cryptocurrency Credit Card?
A cryptocurrency credit card — though more accurately described as a debit card — is a financial tool that bridges digital assets with traditional payment networks like Visa or Mastercard. It allows you to spend USDT, BTC, ETH, and other cryptocurrencies directly at merchants, without converting them into fiat currency manually.
How Cryptocurrency Cards Work
When you make a purchase, the system instantly converts your crypto holdings into local currency (e.g., USD, TWD) for settlement. This means you can buy a coffee at Starbucks using Bitcoin stored in your wallet — all in real time.
👉 Discover how easy it is to spend crypto like cash — start using a crypto card today.
Top 5 Benefits of Using a Crypto Debit Card
1. Spend Crypto Instantly — No Manual Conversion Needed
Forget the hassle of withdrawing from exchanges or converting crypto to fiat. With a crypto card, your digital assets become spendable immediately, just like using a regular credit card.
2. Full Support for Apple Pay & Google Pay
Most crypto cards integrate seamlessly with mobile wallets. In regions like Taiwan, where mobile payments are widely adopted, linking your card to Apple Pay offers unmatched convenience.
3. High Cashback Rewards (Up to 10%)
Compared to traditional credit cards offering 0.3%–1.5% cashback, crypto cards often provide 2%–10% rewards in stablecoins like USDT or platform tokens such as CRO, WXT, or SCR. Some even offer 100% cashback on popular subscriptions like ChatGPT Plus, Netflix, or Spotify.
4. ATM Withdrawals for Instant Access to Cash
Certain crypto cards support global ATM withdrawals, giving you flexibility during travel or when you need physical cash — all without going through lengthy exchange withdrawal processes.
5. Ideal for Subscribers, Remote Workers & Crypto Natives
Whether you're a long-term subscriber to streaming services or receive income in crypto, these cards streamline your financial flow by turning digital assets into daily purchasing power.
Key Risks to Consider
1. Volatility of Reward Tokens
Many cards offer rewards in native tokens like CRO, WXT, or BGB, which are subject to price fluctuations. A 10% reward might lose value quickly if the token drops in price.
✅ Pro Tip: Opt for cards offering USDT or USDC rewards (e.g., Bybit, Bitget), or immediately convert rewards to stablecoins upon receipt.
2. Higher Transaction & Withdrawal Fees
While some cards offer low fees, others charge up to 4% for cross-border or ATM transactions — higher than traditional banking options.
3. Not True Credit Cards
Most are prepaid debit cards, meaning you can only spend what you have. No interest-free periods, no installment plans.
4. Regulatory Uncertainty
Crypto card availability varies by region due to evolving regulations. Some platforms may suspend services without notice depending on local laws.
Crypto Card Comparison: Fees, Rewards & Features
Below is a detailed comparison of leading crypto cards in 2025 based on transaction costs, rewards, and usability.
| Feature | Bybit Card | Bitget Card | Wirex Card | RedotPay Card | Crypto.com Card | EtherFi Card |
|---|---|---|---|---|---|---|
| Network | Mastercard | Visa | Visa | Visa | Visa | Visa |
| Transaction Fee | 0.9% | 0.9% | 0% | 2.2% | 1.5% | ~0.7% (exchange spread) |
| Spending Rewards | Up to 10% USDT | BGB rewards (not live) | Up to 8% WXT | None | Up to 10% CRO | 2–3% SCR |
| ATM Fee | Free up to $150/month, then 2% | $0.65 + 2% | Free up to $250/month, then 2% | 3% (USD), 4.2% (non-USD) | Varies by tier | Not yet available |
| Apple Pay Support | ✅ Yes | ✅ Yes | ❌ No | ✅ Yes | ✅ Yes | ✅ Yes |
| Annual Fee | Free | Free | Free | Free | Free | Free |
| Inactivity Fee | None | $1/month after 12 months | None | None | €5/month after 12 months | None |
| Physical Card Cost | $5 USDT | Free | Free | $10 USDT (virtual), $100 USDT (physical) | $4.99 USD | Free (coming soon) |
🔹 Rewards and fees may vary by region and user tier. Always check official sources for the latest updates.
EtherFi Card: The First True On-Chain Credit Experience
The EtherFi Card is a groundbreaking Web3 financial product launched by the Ethereum liquid staking protocol Ether.fi. Unlike traditional crypto cards tied to centralized platforms, this card operates directly from non-custodial wallets like MetaMask or Safe.
It uniquely combines three functions:
- Spend crypto via Visa network
- Earn up to 8.7% APY on stablecoin deposits
- Access credit via Borrow Mode — spend now, repay later with 0% interest
Key Features of EtherFi Card
✅ Non-Custodial Wallet Integration – Spend directly from your own wallet
✅ Earn 8.7% APY on USDC/USDT deposits while keeping funds spendable
✅ Up to 3% Cashback in SCR or ETHFI tokens (convertible to USDC)
✅ Borrow Mode Available – Use your staked assets as collateral for interest-free spending
✅ Supports Apple Pay, Google Pay, and Line Pay
✅ No platform token staking required – accessible without locking up assets
This makes EtherFi ideal for DeFi-savvy users who want maximum capital efficiency — earning yield while maintaining spending flexibility.
👉 Unlock DeFi-powered spending with a card that pays you to use it.
Bybit Card: High Rewards & Global Usability
Bybit, one of the world’s top crypto exchanges with over 60 million users, offers a powerful crypto debit card via Mastercard.
It supports multiple cryptos including BTC, ETH, USDT, XRP, USDC, and TON, and delivers some of the highest rewards in the market.
Why Choose Bybit Card?
- 🔹 Up to 10% USDT cashback based on VIP level
- 🔹 Supports Apple Pay & Google Pay — perfect for mobile-first users
- 🔹 Earn Bybit Points redeemable for USDT or trading discounts
- 🔹 First $150 in monthly ATM withdrawals are fee-free
Exclusive Subscription Perks (VIP1+)
Bybit offers 100% cashback on major subscriptions:
- ChatGPT Plus
- Netflix
- Spotify
- Amazon Prime
- TradingView
A limited-time promotion (May 13 – June 13, 2025) also gives new users up to $25 full rebate on AI tool subscriptions like Midjourney and Claude Pro.
Bitget Card: Built for Traders & Global Spenders
Bitget, known for its copy trading features and strong derivatives market presence, offers a Visa-powered card focused on USDT spending.
While BGB token rewards aren't active yet, future incentives may include exclusive trading perks and staking benefits.
Key Features
- 🔸 Supports Apple Pay & Line Pay
- 🔸 Available only to users with VIP1 status or higher
- 🔸 Global Visa acceptance
- 🔸 ATM withdrawal fee: $0.65 + 2%
Ideal for active traders who already use Bitget and want seamless real-world spending.
Wirex Card: Zero Fees & High WXT Rewards
Founded in 2014, Wirex is one of the oldest players in the crypto card space and operates under regulatory oversight in the UK (FCA) and EU.
It stands out with:
- 💳 0% transaction fees
- 💰 Up to 8% WXT token cashback
- 🌍 Global Visa network support
However, it lacks support for Apple Pay and Google Pay — a notable downside for mobile users.
Best suited for long-term holders who don’t mind managing WXT rewards and prioritize low-cost transactions.
RedotPay Card: Simple & Fast Crypto Spending
Launched in 2022 by a Hong Kong-based team, RedotPay has gained traction for its simple interface and fast onboarding process.
It supports spending in USDT, BTC, and ETH, integrates with Apple Pay and Line Pay, and allows ATM withdrawals — making it great for users needing quick access to funds.
Limitations
- ❌ No cashback program
- ❌ Relatively high fees: 2.2% transaction fee, up to 4.2% for non-USD withdrawals
Still, its ease of use makes it a solid choice for beginners or occasional spenders.
Crypto.com Card: Premium Perks & High CRO Rewards
With over 80 million users worldwide, Crypto.com is one of the most recognized names in crypto finance.
Its Visa card offers:
- 🏆 Up to 10% CRO cashback
- 🎵 Full refund on Spotify and Netflix subscriptions (higher tiers)
- 🛫 Complimentary airport lounge access
- 💸 Free ATM withdrawals (up to monthly limit)
To qualify, users must stake CRO tokens — the more you stake, the better the rewards.
Best for loyal users willing to lock up CRO for premium lifestyle benefits.
Frequently Asked Questions (FAQ)
Q: Can I use a crypto card without selling my assets?
A: Yes! Cards like EtherFi allow you to spend via Borrow Mode without liquidating your holdings — you’re borrowing against your staked assets instead.
Q: Are crypto cards safe?
A: Reputable providers use strong encryption and comply with financial regulations. However, always use two-factor authentication and avoid sharing private keys.
Q: Do I need to pay taxes when using a crypto card?
A: In most jurisdictions, spending crypto is a taxable event. Each transaction may trigger capital gains tax depending on your country’s rules.
Q: Which card gives the best rewards for streaming subscriptions?
A: Both Crypto.com and Bybit offer full or partial rebates on Netflix, Spotify, and ChatGPT Plus — check eligibility requirements before applying.
Q: Can I get a physical crypto card delivered internationally?
A: Most platforms ship globally, though delivery times vary. Some may charge fees for physical cards (e.g., Bybit: $5 USDT).
Q: Is there a truly interest-free crypto credit option?
A: The EtherFi Borrow Mode currently offers 0% interest spending backed by your on-chain assets — the closest thing to "crypto credit" available today.
👉 See how you can spend crypto without selling — explore next-gen financial tools now.
Final Verdict: Which Crypto Card Is Right for You?
Choosing the best crypto debit card depends on your lifestyle and financial goals:
✅ For DeFi Users Wanting Yield + Spending Power → EtherFi Card
✅ For Maximum Subscription Cashback → Crypto.com Card or Bybit Card
✅ For Low-Cost Global Spending in USDT → Bybit or Bitget Card
✅ For Stable Rewards & Zero Transaction Fees → Wirex Card
✅ For Fast Setup & Basic ATM Access → RedotPay
Each card has unique strengths. Evaluate your spending habits, preferred reward type (stablecoin vs. volatile tokens), and need for features like Apple Pay or ATM access before deciding.
The future of money is here — make your crypto work harder every day.