As global cryptocurrency infrastructure matures, demand for real-world usability of on-chain assets continues to grow. How can users seamlessly spend digital assets in everyday life? Crypto payment cards—often referred to as "U cards"—have emerged as a vital solution, bridging the gap between blockchain wealth and physical-world spending.
These innovative financial tools are reshaping how users interact with wallets, PayFi ecosystems, and traditional payment networks. Whether it’s direct integration with mobile payment platforms or using Bitcoin as collateral to borrow stablecoins, crypto cards now offer diverse functionalities. Some are backed by major exchanges focusing on stability and cashback, while others stem from decentralized protocols emphasizing self-custody and composability.
To help users navigate this evolving landscape, we’ve analyzed the ten most representative crypto payment cards on the market today—Bybit, Bitget, SafePal, Morph, Infini, Coinbase, Nexo, MetaMask, 1inch, and RedotPay—based on key factors including application requirements, supported assets, fee structures, rewards programs, and on-chain interaction capabilities.
Best U Cards for Chinese-Speaking Users
Bybit Card: The Most Popular Exchange-Backed Virtual Debit Card
Bybit’s recently launched virtual debit card has gained traction across social platforms due to its no annual fee policy and low entry barrier. It supports KYC verification for mainland Chinese users and is completely free to apply.
The process is straightforward:
- Register a Bybit account and complete identity verification (mainland Chinese ID accepted).
- Navigate to the "Card" section in the app.
Choose your card region:
- Australia: No proof of address required; default currency is USD. Approval takes 5–7 business days.
- European Economic Area (EEA): Requires EEA address proof (e.g., utility bill). Default currency is EUR.
Once issued, the virtual card can be linked to Apple Pay and Google Pay, enabling use at any merchant that accepts Mastercard worldwide.
👉 Discover how easy it is to start spending crypto like cash
A recent update indicates that the Australian version can no longer bind WeChat Pay or Alipay, likely due to abuse of promotional cashback offers. However, anecdotal reports suggest Alipay’s “Tap to Pay” function may still work depending on account risk profiles. For full compatibility with Chinese payment apps, the EEA version remains functional.
Fees range from 0.9% to 3% per transaction, influenced by region, currency, and merchant location. During promotional periods, users enjoy up to 10% cashback on spending. Note: Currency conversion fees apply when spending in non-base currencies (e.g., JPY), which are passed on to the user.
Overall, Bybit Card stands out for its ease of access and broad usability—ideal for new entrants exploring real-world crypto spending.
Bitget Card: A VIP-Exclusive Payment Solution
Bitget’s virtual debit card targets high-net-worth individuals with features like zero annual fees and direct USDT spending. It supports both UnionPay and Mastercard networks, catering to regional preferences.
Issued through DCS (DeCard)—a regulated Singaporean fintech firm reportedly acquired by Bitget—the card is only available to VIP-tier users, typically requiring a minimum balance of 30,000 USDT or equivalent.
Despite stricter eligibility, the benefits are compelling:
- Supports Apple Pay, Google Pay, Alipay, and WeChat Pay
- Operates on Mastercard/UnionPay network with smooth global acceptance
- Future plans include BGB token cashback rewards
Transaction fees sit between 0.9% and 3%, varying by currency pair and geography. Additional costs may arise from currency conversion or third-party platforms like Alipay (for transactions over ¥300).
This card is best suited for active traders and large holders seeking seamless cross-border spending power.
SafePal x Fiat24: More Than a Card—A Full European Bank Account
Unlike standard virtual cards, SafePal partners with Swiss-licensed bank Fiat24 to offer users a complete financial identity: an IBAN-enabled European bank account.
Application involves:
- Completing KYC via SafePal wallet (available to mainland users)
- Minting an identity NFT on Arbitrum with a small ETH deposit
- Receiving a Mastercard-linked debit card tied to your bank account
Supported base currencies: EUR, USD, CHF, CNY
The card supports all major digital wallets (Apple Pay, Google Pay, Alipay, WeChat) and charges 1%–3% per transaction, with lower fees for same-currency spending. When fiat funds run out, the system automatically draws from linked crypto balances.
A major advantage? The account enables international wire transfers to banks like Wise, Revolut, and iFast—making it ideal for cross-border income or asset diversification.
👉 Learn how to turn your crypto into global purchasing power
Morph Black Card: The Ultimate Status Symbol in Crypto Finance
Morph Black Card isn’t applied for—it’s earned by owning the Morph Black NFT, currently priced around 0.87 ETH on secondary markets. This NFT grants access to exclusive financial privileges within the MorphPay ecosystem.
Benefits include:
- Potential airdrop of Morph Token at favorable FDV
- Up to 30% APY on on-chain deposits
- $1M daily transaction limit
- Linked USD bank account in Singapore
- Access to premium travel services via Aspire VIP
With rumored ties to DCS's elite Imperium World Elite Card, this product blends high-end lifestyle perks with crypto-native finance.
Recently, Morph launched Morph Platinum SBT (Soulbound Token) for 0.3 ETH, offering:
- Guaranteed allocation rights at TGE
- Free 1-year trial of Black Card benefits
- Upcoming Platinum Card with direct crypto spending
Ideal for whales and early adopters who value status and utility in one sleek black package.
Infini Card: The Developer-Friendly Virtual Card
Infini offers two affordable virtual cards:
- Meow Card (Mastercard): Optimized for RMB-denominated spending; 0.8% transaction fee + 1%–1.5% cross-border fee
- Rabbit Card (Visa): Tailored for USD subscriptions (e.g., ChatGPT Plus, AWS, GitHub); same base fee but adds $0.50 per foreign transaction
Both cost just $9.9/year, support Alipay and WeChat Pay, and crucially—work with OnlyFans, a rare feature among crypto cards.
An upcoming Woof Card (physical) will expand offline usability.
Perfect for developers and content creators needing reliable access to international SaaS tools.
Top Picks for International Residents
Coinbase Card: The Zero-Fee Powerhouse
Exclusive to residents of the U.S. or EEA (not open to mainland China), Coinbase Card is the only truly no-fee crypto debit card.
Key advantages:
- Spend USDC directly with zero transaction or ATM fees
- Instant conversion without slippage
- Visa network compatibility globally
- Seamless bank withdrawals
While cashback events are infrequent, the absence of hidden charges makes this a top choice for cost-conscious users in compliant regions.
Nexo Card: Europe’s Best Cashback Crypto Credit Card
Nexo offers a genuine credit-based model—you spend first, repay later—with dynamic cashback rewards:
| Tier | NEXO Cashback | BTC Cashback |
|---|---|---|
| Base | 0.5% | 0.1% |
| Silver | 0.7% | 0.2% |
| Gold | 1% | 0.3% |
| Platinum | 2% | 0.5% |
To qualify for higher tiers, hold over $5,000 in crypto with increasing NEXO allocation.
Fees:
- No annual or monthly fees
- 0.2% FX fee for EUR/CHF/GBP; 2% for others
- +0.5% surcharge on weekend foreign transactions
Best for European residents wanting credit flexibility and strong incentives.
RedotPay (Little Red Card): Hong Kong’s Crypto Payment Gateway
Based in Hong Kong, RedotPay issues a Visa debit card focused on real-time crypto-to-fiat conversion without custody reliance.
Features:
- Direct Binance Pay integration
- No annual fee (physical card: $100 one-time)
- Fees: 1% transaction + 1.2% non-base currency + 2% ATM withdrawal
Though limited in geographic availability, it serves as a bridge for overseas Chinese communities seeking frictionless spending.
Decentralized & Self-Custody Focused Cards
MetaMask Card: Low-Cost Spending from Your Wallet
Currently available in select countries (excluding NY/Vermont), MetaMask Card lets you spend directly from your wallet on the Linea network.
Supported assets: USDC, USDT, wETH
Cost structure:
- Stablecoin payments: ~$0.02 gas only
- wETH payments: +0.875% swap fee
- All transactions earn 1% USDC cashback
Fully integrated with Apple/Google Pay—perfect for DeFi natives.
1inch Card: The “Borrow-to-Spend” Innovation
This unique card allows you to stake BTC or ETH as collateral and borrow stablecoins (USDC/USDT/EURT) for daily spending.
Why it matters:
- Keep exposure to appreciating assets
- Repay loan later with cheaper stablecoins
- Borrow up to 60% of collateral value
Fees:
- 2% spending fee
- 1.75% swap/conversion
- 2% cashback on all purchases
A strategic tool for long-term holders who need liquidity without selling.
Frequently Asked Questions
Q: Can I use these cards in China?
A: Most cards don’t support mainland KYC. However, Bybit (Australia version) and Infini accept mainland IDs. Alipay/WeChat binding varies by issuer and region.
Q: Which card has the lowest fees?
A: Coinbase Card leads with zero fees for transactions and ATM use. MetaMask also offers ultra-low costs (~$0.02) when using stablecoins.
Q: Do any crypto cards offer credit?
A: Yes—Nexo Card provides true credit functionality with monthly billing and repayment options.
Q: Are there physical versions available?
A: Yes—Bybit, SafePal, Morph, RedotPay, and future MetaMask cards offer physical counterparts.
Q: Can I earn passive income with these cards?
A: Morph Black NFT holders can earn up to 30% APY; others focus on cashback rather than yield.
Q: Is my money safe with these services?
A: Platforms like Coinbase and Nexo operate under regulatory licenses. Always research custodial risks before depositing funds.
👉 See which platform offers the safest way to spend crypto today