10 crypto cards for 2026, starting with where they work
Ten cards that let you spend crypto without selling it first. Sorted by which ones actually issue where you live, so you can pick one and apply today.
One card still sitting in other people's recommendation lists shut down on 6 September 2026. It is still on the list. Cypher. Acquired by Nium, card services ended 7 August
Which one, for your situation
The short answers first. The detail is further down.
| If this is you | Start with | Why |
|---|---|---|
| You are in Africa or the Middle East | KAST | 166 countries. Angola, Nigeria, Morocco, Mozambique and Tunisia all covered |
| You are in Korea | ether.fi Cash | Korea is on the supported list, and we issued a card there ourselves |
| You are in Europe and want cashback | bleap or COCA | 0% FX on both. bleap is EEA and Switzerland only; COCA covers 75 countries |
| You want to spend without selling | ether.fi or Nexo | Both lend against your holdings. Interest and liquidation come with it |
| You will not hand over your keys | ether.fi · bleap · Bitget | Self-custody. One extra setup step in exchange |
| You move large amounts | RedotPay | $100,000 per ATM withdrawal. Not issuing in Korea right now |
Availability decides more than fees do. Check your country first.
The comparison table
| Card | Signup offer | Cashback | FX | Annual fee | Custody | Where |
|---|---|---|---|---|---|---|
| ether.fi Cash | none | up to 3% | 0% USD/EUR 1% other | $0 | self | 20 countries excluded |
| KAST | $20 to 30 Sep | 1.5-3% | 0% USD 0.5-1.75% other | $0(Standard) | custodial | 166 countries |
| RedotPay | $5 expires in 30 days | none | 1.2% | $0 | custodial | 100+ countries blocked in Korea |
| COCA | none | 1-8% | 0% | $0 | custodial | 75 countries |
| bleap | first buy 100% back max $10 | 1-20%(banded) | 0% | $0 | self | EEA + Switzerland |
| Nexo | none Argentina only | 0.5-2% | 0.2-2.5% | $0 | custodial | EEA + UK |
| Gnosis Pay | NFT +1% forever | up to 4% | 0% | €30 | self | EEA, UK Argentina, Brazil |
| Bitget Wallet | 3% tier | via BGB | 1.7% all-in | - | non-custodial | no US or Canada |
| Bybit Card | up to 120 USDT | 2-4% real | - | - | custodial | blocked in Korea |
| Cypher | - | 1-5% | 1.75% | $0 | self | shutting down |
Cashback is nearly always banded. These are the top-band figures; what you would actually earn is in each card's section below.
What a crypto card is, in 30 seconds
It spends your crypto without you selling it first. At the till the crypto converts to local currency and the merchant is paid as normal. The card itself is a Visa or Mastercard, so it works in supermarkets, department stores and online like any other card.
| Type | How it works | Examples |
|---|---|---|
| Debit | Comes straight out of your balance. No interest | ether.fi (Direct Pay) · KAST · RedotPay |
| Credit | Borrows against your crypto as collateral. Interest applies | Nexo (Credit) · ether.fi (Borrow) |
| Prepaid | Spends only what you loaded in advance | KAST |
Custody is the other fork. A custodial card means the company holds your crypto; self-custody means you do. Self-custody is safer and costs you one more setup step.
The cards, one at a time
1. KAST: the only one that opens Africa and the Middle Eastwidest reach
166 countries. It reaches the African and Middle Eastern markets almost nothing else does.
- Network
- Visa (prepaid, custodial)
- Cashback
- Standard 1.5% on the first $2,000/month · Premium 2% · Private 3%
- FX
- 0% on USD · 0.5-1.75% on everything else
Non-USD purchases under $25 add a flat $0.10 - Cost
- Standard has no annual fee · physical card free to issue, $40 to ship · two virtual cards free in most countries
- Upper tiers
- Premium €1,000/yr · Luxe €10,000/yr
- Covers
- Angola, Nigeria, Morocco, Mozambique, Tunisia, Kenya, Ghana, Egypt
and 30 more African countries
Algeria is not on the list
If you are in Africa or the Middle East this is effectively the answer. The trade is custody: the company holds the balance.
2. ether.fi Cash: the one we watched get issued in a blocked marketverified
Self-custody with 3% cashback, and the one card we have personally seen issued in a blocked market.
- Network
- Visa
- Cashback
- 3%: on Core, the first $2,000 a month, then 1%, then 0.5%
- FX
- 0% on USD and EUR · 1% on everything else
- Cost
- Virtual card free · physical $50 · no annual fee
- Wallets
- Google Wallet in one tap from the app; Apple Wallet is manual
- Excluded
- 20 countries: India, Vietnam, Türkiye, Morocco, Pakistan, Netherlands, Finland among them
- Watch for
- The terms carry a separate $1,000 monthly cashback ceiling. ATM is 2%, $250 per 24 hours
The default choice for most people outside the excluded list. Full signup walkthrough →
3. RedotPay: the highest limits, and no cashback at alllargest
8 million users across 100+ countries, and the highest limits here.
- Network
- Visa
- Cashback
- None. There is a $5 signup credit instead
- FX
- 1.2%
- Cost
- Virtual $10 · physical $100 · no annual fee
- Limits
- $100,000 per ATM withdrawal · $1,000,000 daily
- Scale
- 8M users · 100+ countries · $12B annualised volume
- Korea
- Not issuing. Signup and KYC pass, then the $10 virtual card is charged and activation is refused as an unsupported region. A VPN does not help
Strong outside Korea if you move large sums. Go in knowing there is no cashback at all.
4. COCA: the widest cashback band here
The widest cashback band on this list, across 75 countries.
- Network
- Mastercard (issued by Wirex)
- Cashback
- 1-8% in USDT across 6 tiers
- FX
- 0%
- Annual fee
- None
- Countries
- 75
The 8% is the top tier only. Work out which tier you land in before deciding: the cost of qualifying can exceed what the cashback returns.
5. bleap: 0% FX and self-custody, inside Europe only
0% FX and self-custody, if you are inside Europe.
- Network
- Mastercard (issued by Unlimit EU, Cyprus)
- Cashback
- General 1% · rides and food delivery 3% · subscriptions such as streaming, AI and gaming 20%
- FX
- 0%, and no conversion fee either
- Annual fee
- None · ATM free up to €400/month
- Countries
- EEA and Switzerland only. No UK, no Latin America
That 20% applies to subscriptions inside small caps. Netflix counts up to €20 a month, so it is worth €4. Ordinary spending earns 1-2%.
6. Nexo: debit and credit, switchable in the app
Switches between debit and credit in the app. Europe and the UK only.
- Network
- Mastercard
- Cashback
- 0.5-2% in NEXO tokens: 2% needs Platinum, which needs $5,000 held
- FX
- EEA/UK/CH 0.2% weekdays, 0.7% weekends
Elsewhere 2% weekdays, 2.5% weekends - Annual fee
- None
- Credit mode
- 1.9% APR on Platinum up to 13.9% on Base
- Countries
- EEA and UK. Not the US, Australia or the rest of the world
- Watch for
- Physical card orders have been paused since January 2025. Virtual only
Only meaningful for European residents. Spending outside Europe on a weekend costs 2.5% in FX.
7. Gnosis Pay: one of the few covering Argentina and Brazil
Spends straight from a Safe wallet. Narrow issuing region.
- Cashback
- Up to 4%, conditional on holding GNO
- FX
- 0%
- Annual fee
- There is one, but the amount is not on the official page. Reviews say €30; we could not confirm it. Check at signup
- Countries
- EEA, UK, Argentina, Brazil. Not the US
One of very few cards covering Argentina and Brazil. Also the only one here with an annual fee.
8. Bitget Wallet: a non-custodial Visa quoting one combined fee
Non-custodial Visa that quotes one combined fee instead of a list.
- Network
- Visa (non-custodial)
- Fees
- 1.7% all-in · 0% top-up and conversion
- Perks
- Holding BGB tokens lowers fees and raises cashback
- Countries
- Not available in the US or Canada
The benefits are tied to holding a token. Price risk on that token can easily exceed the cashback.
9. Bybit: the widest gap between advertised and real
The biggest gap on this page between the advertised number and the real one.
- Cashback
- Advertised up to 10%, which is the top of six tiers.
Tier 1 pays 2% and caps at $5 a month, so $250 of spend exhausts it. Spending $500 a month moves you to Tier 2, where the cap is $50.
Reaching 10% needs Supreme VIP or $25,000 of monthly spend, and even then the cap is $600. Tiers can be unlocked by card spending, not only by VIP status.
Source: Bybit help centre, Bybit Card Rewards tier table, checked 8 September 2026 - Requires
- A Bybit exchange account
- Korea
- Caught by the January 2026 Google Play block on foreign exchange apps and a candidate for site blocking
Not one we would suggest in Korea. Choosing it for the 10% almost guarantees disappointment.
10. Cypher: still recommended everywhere, already closedclosed
Still on other recommendation lists. It has already closed.
- Status
- Acquired by Nium. Card services ended 7 August 2026; the platform closes 6 September 2026
- What it was
- Visa Platinum · self-custody · 1-5% cashback plus CYPR tokens · 1.75% FX on Standard · 160+ countries
Do not sign up. It is here for one reason: several large comparison articles still list it as a recommendation. That is how quickly these pages go stale.
The order to decide in
Starting from cashback gets you the wrong card. There is an order.
- Will it issue where you live. If not, nothing else matters. Check by country →
- What currency you actually spend in: USD and EUR run 0% on several cards, while anything else typically costs about 1%. That can outweigh the cashback
- Custodial or self-custody: whether you are willing to let the company hold the balance
- Then cashback, and read your band, not the headline
A card that will not issue to you costs more than a percentage point of cashback ever will. Most comparisons never mention it.
Check whether a crypto card is the right tool at all.
If you spend mostly in your own currency, or you do not already hold crypto, none of the
ten above is your answer. A low-FX travel card costs less.
When a crypto card is the wrong choice →
Questions people actually ask
Does it work with Apple Pay and Google Wallet
On most of these, yes, for both virtual and physical cards. ether.fi has an Add to Google Wallet button inside the app; Apple Wallet is entered manually. If Apple Pay says it is unavailable in your region, your iPhone region and Apple ID country do not match.
Will it work in supermarkets and department stores
Yes. Anywhere Visa or Mastercard is accepted. It settles into the local currency at the till.
Do I need the physical card
Usually not. A virtual card in your phone wallet handles in-person payments. The physical one matters for ATMs and for handing a card over. Try the virtual card first, then order plastic.
Can I trust the advertised cashback
It is nearly always banded. Bybit's 10% is top-tier VIP only, bleap's 20% is subscriptions inside small caps, and ether.fi's 3% covers the first $2,000 a month on Core. Where you see "up to", find your own band.
What about tax
We are not tax advisers and cannot answer that. Be aware that spending crypto can count as disposing of it, and talk to an accountant once the amounts matter.
Two cards we applied for ourselves
We completed signup, KYC and virtual card issuance on both. Issuance is decided by the identity document you hold, not by where you are sitting, so a VPN will not change the answer. Check your country before you pay for anything.
- Two virtual cards free
- US account and routing number, plus an EU IBAN
- 1.5% back, 0% FX on USD
- Virtual card free, physical $50
- Self-custody: the balance stays in your wallet
- 3% back, 0% FX on USD and EUR
- Spending outside USD and EUR carries an FX fee. KAST charges 0.5% to 1.75%, ether.fi charges 1%. Only dollars and euros are 0%. Subtract that from the cashback to see what you actually keep.
- Cashback is capped monthly. ether.fi pays 3% on the first $2,000 a month, then 1%, then 0.5%. KAST Standard pays 1.5% up to $2,000.
- The physical card costs money. The virtual card is free; plastic is $50 at ether.fi and $40 shipping at KAST. Use the virtual one first, then order.
- You can still be refused. We verified issuance ourselves where we say so, but issuer policy changes without notice. That is exactly how RedotPay closed in Korea.
Sources and dates
Each company's official fee, rewards and country pages · ether.fi help centre (countries updated 2 Aug 2026, physical cards 10 Jul 2026) · KAST country restrictions · Nexo published fee schedule · CoinDesk 23 Aug 2026 · World Bank Remittance Prices Worldwide · Korean issuance from a first-hand report, 2 Sep 2026. All checked 3 September 2026.
Terms change without notice. Cypher is the example, still recommended in several comparison articles, shut down on 6 September 2026. Re-check the official page before you pay for anything.