Best crypto creditcards and debit cards

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Selecting a crypto ATM card

You bought, mined or earned a nice amount of Bitcoins. Now you want to use them, so logically you have the following question.

Which Bitcoin debit card(s) will be the best and therefore reliable in 2020?

A very essential question because a lot of Bitcoin debit cards on offer turned out to be fake. Or never yielded anything.

An example of such a fraudulent provider is ICO from Centra Tech. This company claimed to have partnerships with Visa and Mastercard to create debit cards. In the end, the alliances turned out to be fraudulent. Fortunately, no one lost money because the fraudsters were quickly dealt with by the US Securities and Exchange Commission, SEC.

Although no one suffered any financial damage, there is a wise lesson to be learned from this. And that is, exercise extreme caution when selecting a payment card provider. Also in the case of Bitcoin payment card providers.

That is the purpose of this guide. To let you know about reliable payment cards. So that you will be helped to make your choice and can safely use a bitcoin or crypto payment card. Choose from the following.

Payment card provider Montly cost Cashback
Wirex USD 1,50 0,5%
Cryptopay USD 1, –
Uquid USD 1, –
MCO Visa 0 1%
Bitpay USD 5, –
Revolut 0 1%
Spectrocoin USD 1, –


Wirex (popular)

The list is led by the Wirex payment card which is very popular. And like many other Bitcoin payment cards, it is also available in a limited number of countries. In this case, countries belonging to the European Economic Area (EEA).

However, Wirex does offer an online-only subscription for users from most countries. The U.S. and China are excluded.

The advantages and disadvantages


  • You get a 0.5% BTC cashback for personal purchases in a shop.
  • The monthly costs are very low for this debit card.
  • The usage limits for this debit card are generous.


  • Limited possibilities.
  • Unclear profit margins when exchanging currencies.
  • Lighting of money at the ATM is not free of charge.

Wirex is one of the few that offers Bitcoin rewards to customers when making personal purchases. Customers receive 0.5% through its Cryptoback™ service. There is no limit to this service and the service is free of charge.

Although Wirex is one of the cheapest debit card providers, it offers fewer options than its competitors. But for the price of only USD 1.50 per month, you can expect excellent quality service from Wirex.

Furthermore, the Wirex app is compatible with Android and iOS. It allows the user to manage his/her finances and track payments. Via the app, you can also freeze your Wirex debit card in case it is lost or stolen.

The Wirex debit card works just like any other debit card. You can do your personal purchases as well as online purchases, as long as Visa is accepted. It is important to note that Wirex includes a fee of USD 3, – when you raise money at the ATM. Although this amount is lower within the EEA.

The Wirex debit card offers ample spending limits per day of USD 10,000. The downside is the ATM limit which is set at £/€/$250 per day.

All in all, Wirex is one of the best debit cards for those who don’t like hassle and need to be able to use their crypt currency quickly. Especially since with Wirex you can also exchange and pay for crypto currency directly in 8 different types of crypto currency.


Cryptopay is one of the first to be released and is one of the oldest Bitcoin debit cards. The prepaid Cryptopay debit card is available in the United Kingdom, Singapore and Russia. As in almost the rest of Europe.

Advantages and disadvantages


  • You have access to contactless support.
  • Cryptopay can be used in Russia.
  • You do not have to meet strict KYC requirements.


  • The costs are higher than those of the competition.
  • It is difficult to use outside Europe.
  • The costs are quite high for applying for such a Cryptopay debit card.

Cryptopay, like many other Bitcoin card providers, offers the possibility of a plastic prepaid card and a virtual prepaid card. The latter is the perfect debit card for online shopping. While the plastic debit card allows you to raise money at the ATM and make personal purchases in store.

The plastic version of Cryptopay costs a nice USD 15, – while the virtual version for an amount of USD 12.50 is not much cheaper.

Apart from the possibilities for a plastic and a virtual version of the Cryptopay debit card, there are also versions for GBP, EUR and USD. Regardless of which one you choose, the costs are USD 1, – per month.

Furthermore, the Crypto debit card is one of the few anonymous Bitcoin debit cards still available today. Despite this, unverified users are limited to certain services of this debit card. Your KYC verification is important to remove most of this limitation.

To give you an idea, unverified users with a EUR card can send up to EUR 1,000, – online. A maximum of EUR 400 per day can be lifted while combined, you can only load EUR 1,000 on the card.

Verified users, on the other hand, can send unlimited amounts online. They can raise EUR 2.000, – daily at the ATM and can add unlimited money to the card.

Finally, it is worth noting that both the plastic and virtual debit card charge 3% for currency conversions. Also when the card is upgraded, a fee of 1% is charged and deducted from deposits. When lifting the card you will be charged EUR 2,75/ GBP 2,25/ USD 3,50 although these can be lower for domestic ATMs.


The idea behind releasing the Uquid Bitcoin debit card was only to release an actual unlimited Bitcoin debit card. Customers in the UK, in particular, benefit most from the disproportionately lower costs in the UK.

Advantages and disadvantages


  • With this debit card you can do business in 90 different crypt currencies.
  • The card is available in almost every country.
  • You are not restricted in issuing with this card.


  • There are costs associated with requesting the balance of the account.
  • There is a charge of 18% for upgrading via the Paysafecard.
  • This debit card is not available in the United States of America.

To apply for the Uquid debit card, you will first need to create an account on the website. After that you can choose between the cards available in your country. Creating the account is free of charge but applying for the physical card costs USD 16.99/ EUR 14.99/ GBP 9.99 depending on the currency of the card.

In addition to the issuance fee, you also pay a monthly fee of USD 1.00. Apart from this, other costs will also be charged. Such as USD 3.00 when lighting at ATMs and 3% when changing currencies.

As mentioned at the beginning about the Uquid debit card, this card has the eye-catching feature of unlimited use. That means unlimited deposit and withdrawal, no monthly quotas and absolutely unlimited spending. However, there is one condition because POS transactions below EUR 80 are still subject to a fee.

By the way, Uquid’s offer is one of the most widely available Bitcoin debit cards. The card is available in 174 countries with the certainty of fast shipping as standard.

Even more unique reasons to choose Uquid. Because this debit card supports a sea of digital assets. It is compatible with 90 different digital coins separately from Bitcoin. Includes Bitcoin Cash (BCH), Ethereum (ETH), Litecoin (LTC) and many ERC20 tokens.

Most importantly, the Uquid debit card is one of the more expensive debit cards. But compensates for this with its widespread availability and compatibility with many other crypto currencies. Great for people who use many different crypto currencies.

MCO Visa

New on this list is this MCO Visa debit card which has been released, aimed at cryptcurrency customers who travel and shop abroad more often.

The advantages and disadvantages


  • No monthly fees.
  • Pleasant limits for currency exchange free of charge.
  • Up to 5% cashback when making purchases.


  • In order to benefit from the many advantages of this debit card, you must hold MCO tokens for at least 6 months.
  • KYC verification is mandatory.
  • This card is only available in the United States of America and Singapore.

For those who like to be pampered, this MCO Visa debit card is the best you could choose. About being pampered by a Bitcoin Visa card. You can take advantage of the best rewards on any debit card available. So not from the Bitcoin cards alone.

MCO Visa customers can earn back up to 5% in cashback for regular purchases. Concerning Spotify and Netflix up to 100%.

Instead of demanding a monthly fee for registration to receive rewards, MCO Visa does it differently. Customers are required to secure their tokens for 6 months in order to qualify for the rewards. The amount of tokens can vary from 0 to 50,000 MCO tokens.

Due to the high requirements of MCO Visa’s debit card for securing tokens it can be seen as a great offer. Since you need to have a total of 50,000 MCO (over USD 100,000, -) to enjoy all the benefits. This means that even the cheapest MCO card is worth ordering.

So MCO, as the cheapest debit card, has the free Midnight Blue card with a monthly limit of USD 200, – to free ATM withdrawals. This amount rises to USD 1,000, – for the Obsidian Black card. But after exceeding the monthly limit, you pay 2% per ATM withdrawal.

Crypt currency upgraded on the card is automatically converted to USD. This can then be withdrawn at the ATM, spent online or in person. The Obsidian Black card is the only card on the market that offers unlimited and free currency conversions at the interbank rate.


This debit card was released in 2016 and is used satisfactorily by tens of thousands of users. This will be due to the one-time low investment of USD 9.95 while no monthly fee is required.

Some advantages and disadvantages 


  • ID check required when making purchases.
  • Payments can be made in the U.S. free of charge.
  • No monthly fees.


  • Unfortunately only available to American citizens.
  • 3% charge for currency exchange.
  • USD 5 per month will be charged for inactivity of the card.

Currently, the BitPay Bitcoin Visa card can be used in all 50 U.S. states. The company has made no announcements about expansions outside the U.S. However, Americans are able to use the card abroad where Bitcoin payments are made in their own currency.

To monetize your Bitcoin Visa debit card, charge it with Bitcoin. It is then automatically converted to USD. This allows you to make personal purchases in stores and online shops that accept Visa.

You can also top up the card using GreenDot or Western Union. However, there is a cost of USD 4.95 per top-up. In terms of transaction fees, this debit card is best used in the USA. As there are no transaction fees charged within the U.S.

Outside the U.S.A., fees will increase by 3% when converting to other currencies. While domestic and foreign ATM withdrawals will cost you USD 2.00 and USD 3.00 respectively.

An important option of BitPay is its mobile app, especially on the go. It allows you to easily manage your funds and also make payments to other BitPay users. This is achieved by integrating the app with the BitPay secure wallet.

BitPay is one of the simpler debit cards that does not offer insurance and cashback. On the other hand, it is an ideal debit card for beginners to improve the purchasing power of your digital assets.

BitPay is reassuringly transparent regarding the fees charged. Among other things, BitPay offers help to avoid unpleasant surprises, saving you from unsavory situations. BitPay achieves this by concretely making a full reimbursement schedule on how to minimize or avoid costs available to users.


The Bitcoin debit card from Revolut is one of the best known Bitcoin debit cards. With over 4 million users and 250+ million transactions processed so far, Revolut is clearly one of the largest players in the industry.

Some pros and cons


  • Up to a maximum of 0.1% cashback for purchases within Europe and a maximum of 1% outside Europe.
  • Generous allocations with a free subscription.
  • Low cost of 1.5% when making purchases with crypt currency.


  • Compatible with a limited number of types of crypt currency.
  • You can only buy crypto currency with it, do not spend it.
  • Currently this debit card is not available in Asia, Canada and the USA.

Initially Revolut was released in the United Kingdom and also has its largest customer base there. However, the services are also available within the EEC, as well as in Switzerland and Australia.

Revolut is currently not available in the U.S. but the company has started a waiting list for customers from this country. As the platform will also be launched in the U.S. later this year.

On the Revolut website you can choose from 3 account types nowadays. These are: Standard, Premium and Metal. Standard subscriptions are free, while Premium and Metal subscriptions cost GBP 6.99/ 12.99 per month respectively. Or EUR 6.99/ 13.99 in the EEC and AUD 13.99/ 22.99 in Australia.

All subscriptions include a free IBAN account. Subscriptions allow you to spend crypt currency in over 150 countries worldwide at the interbank rate. You can manage your accounts through the free Revolut app.

With a Standard subscription, you can manage up to GBP 200 per day for these recordings – free with an ATM. With a Premium subscription the recordable amount is up to GBP 400, – while the Metal subscription allows you to record up to GBP 600, -. Above the set limits it is still possible to make recordings, but then a surcharge of 2% will be added.

In addition, the Premium and Metal subscriptions offer overseas medical insurance and priority support. The Metal subscription also offers personal assistance and 1% cashback on payments made with the card.

Revolut now allows users to purchase Bitcoin and four other crypto currencies directly through the Revolut card. These crypto currencies are Litecoin, Ethereum, Bitcoin Cash, and Ripple. For this additional service, you pay an additional 1.5% on the final purchase price.

Crypto balances can be transferred to other Revolut users free of charge. Crypto balances can be transferred to other Revolut users free of charge and can also be converted into fiat money to be spent using the Revolut card. This last conversion does not happen automatically.


The latter, but certainly not the least, because this prepaid card from SpectroCoin is available to customers in almost 200 countries. Apart from the prepaid card, SpectroCoin offers several other services such as an online wallet and a share exchange platform.

What are the advantages and disadvantages?


  • Over ATM withdrawal limit of USD 1,500, – daily.
  • Unlimited number of pos and online transactions.
  • With a VIP subscription you are not limited to a certain level of balance.


  • Privacy violating KYC requirements for taking out a VIP subscription.
  • Limited functionality.
  • 3% extra charge for currency exchange.

SpectroCoin offers 2 types of cards: virtual cards and plastic cards. The virtual cards cost USD 9.00 each and the plastic cards cost USD 50.00 each. After this purchase you also pay a monthly fee of USD 1,00.

SpectroCoin prepaid cards are upgraded with crypto currency. Your crypto currency is automatically converted into debit when you pay at the physical store or online store. You can set the process to take place automatically via the SpectroCoin web wallet.

Considering the cost of use, SpectroCoin prepaid cards are not the cheapest on the market. A 1% fee is charged when crypto is placed in the wallet. While a 3% fee is added when exchanging currencies.

Regarding restrictions, SpectroCoin subscriptions can be divided into two types: standard and VIP. Standard subscribers can deposit up to USD 250 per day and may have a maximum of USD 2,500 in their account. While VIP subscribers can deposit up to USD 5,000 per day and have a maximum balance on their account.

The SpectroCoin debit cards are unique compared to other similar offers. SpectroCoin allows very high ATM withdrawals, with customers being able to deposit up to USD 1,500, – per day. This is more than is the case with the most standard debit cards.

All in all, the SpectroCoin prepaid card is best equipped with options for users looking for convenience. And options for high transaction limits. Even if it is at the expense of overall functionality.

What are Bitcoin debit cards?

After being announced with a lot of fuss in 2009, Bitcoin quickly became a world phenomenon. Thanks to its cheaper price and secure ability to send value between people within minutes.

Despite the enormous popularity that Bitcoin enjoys today, BTC has suffered major liquidity problems. Because it is time consuming and yet expensive to use BTC to make payments for services and goods.

Furthermore, very few popular retailers and merchants have accepted Bitcoin. Bitcoin owners must first convert their crypto to fiat money by trading their Bitcoin on the stock exchange. And then transfer the money to their bank account.

Several companies have therefore taken it upon themselves to solve this liquidity problem. By bridging the gap between crypt currencies and traditional markets with the Bitcoin debit card.

The very first Bitcoin debit cards were released by Xapo in 2014. These debit cards allowed users to spend their Bitcoins as well as approval money with any online or offline merchant that accepts Visa. At that time, the Xapo debit card was ushered in as the last thing necessary to make Bitcoin a common means of payment.

Since then, more than a dozen companies have released their own Bitcoin debit cards. They have improved their debit cards in terms of usability and functionality, using the first generation of cards. These include things like contactless payment, automated billing, and cashback.

For the most part, Bitcoin debit cards allow users to easily convert their BTC to debit. This can then be spent through personal and online purchases. The method of execution varies from brand to brand. Among other things, it can be done by automatic conversion after deposit. Or through a manual conversion if and when needed, usually from an integrated app.

Despite its advantages, Bitcoin debit cards have faced quite a few problems over the years. The most notable was that of the companies that released their Bitcoin debit cards via Wavecrest. They were forced to stop or suspend services because the payment provider’s Visa license had been revoked. One of the companies most affected was TenX. A company that offered a debit card at 0% cost and was constantly faced with delays in issuing the debit card. As a result, it also had to deal with negative media reports because it had taken about a year to reach its customers in the end.

What are the benefits of Bitcoin debit cards?

Do you belong to the group of crypto-currency enthusiasts, which is getting bigger and bigger, who want to be less or no longer dependent on centralized banks? Then Bitcoin might be the solution you’ve been looking for.

Easy Crypto Currency Issuing

Bitcoin debit cards allow you to easily spend your crypt currency. Without having to change crypto currency first and without having to visit a bank.

Avoid banks

In many countries, access to financial systems is severely restricted. That is why Bitcoin is very popular, especially in the economically less developed countries. With the advent of Bitcoin debit cards, residents of such countries finally have access to financial services capabilities they did not have before.

With the Bitcoin debit cards, people from such countries have a way to easily convert their Bitcoin, and often other types of crypto currencies, into fiat money. To be able to do this, either in person or online, anywhere the Visa logo can be seen.

Rewards and cashback

Like many standard debit cards, some Bitcoin debit cards now offer cashback options. This allows you to earn rewards on your purchases, which can be quite an amount if you use your debit card regularly.

Support for various fiat funds

Furthermore, many Bitcoin debit cards allow you to store approval money of different currencies on separate accounts. This allows you to make international purchases without having to incur all kinds of additional currency conversion fees. You’ll also experience this advantage with withdrawals where you have the ability to raise different currency types as well. Without having to pay for currency conversion fees.

Virtual cards are also an option

Several Bitcoin debit cards are also available in virtual form. The advantage of this is that you don’t have to walk around with a physical card. This brings a degree of freedom and flexibility to the cardholder. Which are not possible with a physical card and you can easily manage your money using an app.

Free services with it

Finally, several Bitcoin debit cards offer travel insurance and fraud protection. Useful if you travel frequently. With the insurance, you have a certain level of security. And the fraud protection helps if and when you need to change currency. Especially when the currency is not stable in the foreign country.

Although many benefits have been highlighted for owning a Bitcoin debit card, it is worth noting the rapid growth of the industry. New products and services are regularly launched and the value of such cards increases even further.

What to think about when purchasing a Bitcoin debit card?

Before purchasing a Bitcoin debit card, there are a few things to consider. Below are some key conditions that should be considered when purchasing a crypto debit card.


When selecting the best option for a Bitcoin debit card, you should of course choose from options offered by established companies. Companies with a history of solid reliability.

It is a pity that there is also a lot of negative news about Bitcoin debit cards where cards cease to exist prematurely. It is important that you convince yourself of doing business with a company that has sufficient knowledge of Bitcoin debit cards and crypto in general.


If all you care about is making purchases online, then a virtual Bitcoin debit card is all you need. But if you also want to record at the ATM and make personal purchases, you’ll need a physical card. Depending on your location, this is not always possible.


People with Bitcoin debit cards often have more Bitcoin than fiat money. So look for a way to spend their crypto. However, there are Bitcoin debit cards that charge a fee for each deposit to the debit card. Therefore, it is important to check the fee schedule of the different crypto debit card providers. So that you can choose the right one based on your personal financial situation.

Geographical availability

Due to an uncertain environment regarding crypt currency laws and regulations, most Bitcoin debit cards are only offered in certain countries.

For example, Americans should be extremely careful when choosing a Bitcoin debit card as only a handful of Bitcoin debit cards are fully functional in the US.


Usually, Bitcoin debit card providers advertise offering free debit cards or at low cost. However, this means that the company earns its money in a different way. Such as charging high exchange or deposit fees. If a deal is too good to be true, it is best to check the fee schedule before purchasing the card.

Support for various currencies

In the end, almost all Bitcoin debit cards do what is indicated on their description. Enabling users to use their Bitcoin with a debit card. However, this option does not work with all currencies. So again, it is a good idea to first check which currency types a particular Bitcoin debit card is compatible with. Especially if you want to issue alternatives of the Bitcoin in the same way.

Why Bitcoin debit cards are essential for crypto users

In November 2015, Coinbase released its first Bitcoin prepaid card. The main goal was not to provide users with a crazy new card. But a card that does the process of issuing Bitcoin efficiently. Doing something as simple as a Bitcoin transaction was very difficult a few years ago. For a lot of new users, it still is. That’s why adequate platforms and other technical issues are important for a good customer experience. So that the Bitcoin becomes the currency we want it to be.

First of all, Bitcoin debit cards promote the adoption of crypto currency. New users often leave the crypto currency space due to limited knowledge of the new technology. However, the debit cards work with simple and user-friendly apps. This has a positive effect on new users who know little or nothing about the technology.

On the other hand, not only newcomers should be taken into account. But also with those technology fanatics who closely follow and support the developments. They also deserve something.

A Bitcoin prepaid card can save users a lot of time and anxiety against platforms like MyCrypto and MyEtherWallet. Some of the Bitcoin prepaid cards such as the Wirex Bitcoin ATM card make the process of making a transaction super easy. Just a few clicks on your app and you are saved from a lifetime of wrestling with confusing platforms.

Bitcoin debit cards United States of America

So far, the United States of America has been rather aggressive in regulating bitcoin and other crypto currencies. That’s why most Bitcoin card providers do not do business within the United States of America.

Although it is a big problem for people looking for USA Bitcoin debit cards, it can be solved.

Americans looking for a BTC debit card can use the BitPay card to spend Bitcoin and other crypto currencies in the USA.

Are there any anonymous Bitcoin debit cards?

Unfortunately, there are no anonymous Bitcoin debit cards. The reason for this is simple. Bitcoin card providers such as Wirex or BitPay must comply with banking laws within the laws of where they are located.

These banking laws require Bitcoin ATM card issuers to request basic identity information from their users. When ordering a Bitcoin card, you will be required to provide at least an ID such as a driver’s license or passport. And since all your Bitcoin debit cards are linked to your identity, there are no anonymous Bitcoin debit cards.

The best Bitcoin debit card for you

All Bitcoin maps mentioned and covered in this guide work and are legitimate.

However, if you are dealing with one specific feature above all others, then you should make your decision based on the table below.

Main feature Debit card Order now
Easy to use Wirex =>
Many alternatives of Bitcoin Uquid =>
Great cashback rewards MCO kaart =>













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