The best crypto debit card depends on where you live. In the US, the Coinbase Card has no annual fee and no spending fee, while Crypto.com's US card is now a credit card with rewards from 1.5% to 6%, per Crypto.com Visa. Outside the US, KAST pays 1.5% cashback in 170+ countries and Nexo pays up to 2% in the EEA and UK.
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Every figure below was checked against each issuer's own card page on October 6, 2026. Card terms change often: Crypto.com moved its US product to a Visa Signature credit card and KAST raised its country count to 170+, per KAST, so confirm the current terms before you apply.
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Eight cards cover most use cases: Coinbase Card, Crypto.com, KAST, Gnosis Pay, Bitpanda, Nexo, Bybit, and Wirex. Availability is the first filter, because most of these cards serve only one region. Rewards are the second, and they often depend on holding or staking the issuer's own token.

The table covers what each issuer publishes on its own page: rewards rate and its conditions, monthly or annual fee, foreign exchange fee, ATM terms, custody model, and where the card is available. Token-denominated rewards are flagged separately, because their value moves with the token's price and is not a fixed rebate.
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All figures come from the issuer pages linked in each row, fetched October 6, 2026. Where an issuer does not publish a fee on its card page, such as ATM fees for KAST or Bybit, we leave it out rather than estimate.
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The Coinbase Card is a Visa debit card that spends from your Coinbase balance. Rewards are optional, variable, and set in the app, so there is no fixed rate to compare. Spending USDC avoids the trading spread you pay when the card sells another asset at checkout. It is custodial and US only.
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Per Coinbase, there are no annual fees and no fees for spending US dollars or crypto, including USDC, rewards are variable and shown in the app, and the card is available in the US excluding Hawaii. See our Coinbase Card review for limits.
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Crypto.com's US card page now offers a Visa Signature credit card rather than the prepaid debit card many guides still describe. Rewards scale with a paid subscription tier plus a 12-month CRO lockup at higher tiers. The math only works if you are comfortable holding CRO, since its price changes your real return.
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Per Crypto.com Visa, Basic is free and earns 1.5%, Plus costs $4.99 a month with a $500 CRO stake for 3.5%, Pro costs $29.99 a month with a $5,000 stake for 4.5%, and Private tiers need $50,000 or $500,000 staked for 5% or 6%. Our Crypto.com Card review covers the tiers.
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KAST is built around spending USDC and USDT, with funding across more than ten chains handled in the background. It ships in more countries than any other card here, which makes it the default for stablecoin holders outside the US, EU, and UK. Higher tiers add KAST points and a paid annual plan.
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Per KAST, the Standard Visa Platinum card is free with 1.5% cashback, Premium costs $1,000 a year for 2% plus points, and Private costs $10,000 a year for 3%, with service in 170+ countries. See our KAST Card explainer.
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Gnosis Pay links a Visa card to a self-custodial smart account on Gnosis Chain, so each payment settles onchain and can be audited. It now runs as card infrastructure for partner apps, which issue the cards to consumers. Fees and rewards depend on the partner app you sign up through.
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Per Gnosis Pay, the network settles on Visa rails and partners can earn from transactions and optional fees such as FX. Check the specific partner app's fee schedule before ordering a card.
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The Bitpanda Card lets euro area residents pick which asset in their Bitpanda account to spend from, without selling first. Bitpanda adds no FX markup of its own, though Visa's conversion applies. It is custodial and suits users who already hold a portfolio on Bitpanda.
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Per Bitpanda, cashback is 1%, the card is free, you can spend from 600+ crypto assets, FX carries 0% Bitpanda markup with Visa fees applying, ATM withdrawals cost 2% or €2, whichever is higher, and you must live in the euro area.
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Nexo's card can run in credit mode, borrowing against your crypto instead of selling it, or in debit mode, spending your balance directly. Credit mode avoids a sale but adds liquidation risk in a sharp drawdown. Cashback is paid in NEXO or BTC, and the rate depends on your loyalty tier.
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Per Nexo, cashback runs from 0.5% to 2% in NEXO or 0.1% to 0.5% in BTC by tier, there are no monthly or annual card fees, free ATM withdrawals range from €200 to €2,000 a month by tier with 2% after, and the card serves the EEA and UK.
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Bybit's card spends from your Bybit exchange account and advertises a high top rate during promotions. The standard rate is lower, so read the promotion terms before counting on the headline number. It is custodial and requires full identity checks, and the current card page excludes European Economic Area customers.
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Per Bybit, cashback runs from 2% to 10% with no annual fee, and the page states the product is not meant for EEA customers. Bybit does not list ATM or FX fees on that page, so check the app before travel.
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Wirex pays cashback in US dollars, with the rate set by a membership tier based on portfolio size and how much you hold in WPAY, its token. Holding no WPAY keeps you near the bottom of the range. There is no subscription, and Wirex charges no FX fee of its own.
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Per Wirex, purchases earn 0.5% to 8% depending on tier, with no monthly fee and zero FX fees, across 130+ countries.
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Match the card to where you live and what you hold. US residents choose between Coinbase for a simple debit card and Crypto.com for tiered credit rewards. Stablecoin holders abroad lean toward KAST. Euro area users who want an EU-regulated custodian look at Bitpanda or Nexo.
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US, everyday spend:Coinbase Card, spending USDC. US, maximum rewards:Crypto.com Visa, if a CRO lockup suits you. Stablecoins, global:KAST at 1.5% with no fee. Euro area:Bitpanda or Nexo. Self-custody: a Gnosis Pay partner card.
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Read four things on the issuer's own page: whether rewards are paid in a volatile token, whether top rates need a stake or subscription, the ATM and FX fees for the currencies you use, and whether your country is eligible. Promotions expire, and card programs change regions and tiers with little notice.
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For moving stablecoins onto a card account, see our guides to off-ramping crypto and converting USDC to a bank account, plus our stablecoin debit card comparison.
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