The Origin of Crypto Cards
In recent years, the popularity of cryptocurrencies has surged, marking our gradual entry into a new era of finance. It’s in this context that crypto cards emerged—a development few anticipated.
Initially, cryptocurrencies were created to challenge traditional finance. Yet, they’re increasingly used like traditional financial products. For instance, Satoshi Nakamoto likely never envisioned Bitcoin (BTC) being spent via a Visa debit card, yet today, it’s possible.
Crypto cards play a pivotal role in this shift. Back in 2017, Monaco Technology introduced its mobile app and Monaco Visa card, among other projects. By 2018, the Monaco Visa Card launched in several countries. Later, Monaco rebranded as Crypto.com in 2020, inspiring many other companies to follow suit.
Monaco Technology Unveils Its 5 Crypto Cards in 2017 (Now Crypto.com)
Today, over 60 companies offer crypto cards. To simplify your choice, we’ve curated the top 5 cards available in 2025, based on Cryptoast’s analysis.
How Do Crypto Cards Work?
Crypto cards enable users to pay like any traditional debit card, but with cryptocurrencies. Companies partner with payment networks like Visa (the industry leader) or Mastercard (which joined the trend in late 2021).
While each card operates uniquely, the general process involves linking a wallet to an app, which connects to your crypto card. When you make a purchase or ATM withdrawal, your cryptocurrencies are instantly converted to fiat.
Best Crypto Cards Compared
Here’s a snapshot of the top 5 crypto debit cards:
| Feature | 🥇 Crypto.com | 🥈 Bitpanda | 🥉 Ledger (CL Card) | Coinbase | Gnosis |
|-----------------------|------------------|-----------------|------------------------|--------------|------------|
| Transaction Fees | None | 1.49% (crypto) | 2% (crypto) | 0.20% (EEA) | None |
| Cashback | 0–8% | 0–2% | 1–2% | None | Up to 5% |
| Spending Limits | €10K/month | €10K/day | Unlimited | €10K/day | €8K/day |
| EUR Payments | Yes | Yes | Yes | No | Yes |
| Payment Network | Visa | Visa | Mastercard | Visa | Visa |
| Perks | Netflix/Spotify rebates, airport lounges | Pay with stocks/metals | Apple/Google Pay compatibility | N/A | Non-custodial wallet integration |
👉 Explore Crypto.com’s premium cards
Top 5 Crypto Cards Detailed
1. Crypto.com Visa Card
Pioneers with tiered rewards: Stake CRO tokens for cashback (0–8%) and perks like lounge access.
- Tiers: Midnight Blue (free) to Obsidian (€450K stake).
- Fees: No payment fees; ATM withdrawals free up to €800/month (higher tiers).
Best for: High spenders seeking premium benefits.
2. Bitpanda Visa Card
Flexibility: Pay with crypto, stocks, or metals. Cashback up to 2% (BEST token staking).
- Fees: 1.49% on crypto purchases; free EUR payments.
Best for: Diverse payment options.
3. Ledger CL Card (by Baanx)
Security-focused: Links to Ledger Live. Cashback: 1% (BTC/USDT) or 2% (BXX token).
- Fees: 2% crypto conversion; no staking requirements.
Best for: Non-custodial wallet users.
4. Coinbase Visa Card
Simplicity: No staking; instant crypto-to-fiat conversion.
- Fees: €4.95 card fee; no transaction fees in France.
Best for: Beginners prioritizing ease.
5. Gnosis Card
DeFi integration: Connects to self-custodial wallets (e.g., Safe, MetaMask).
- Fees: €30 card fee; supports EURe stablecoin (more assets coming).
Best for: Decentralized finance enthusiasts.
👉 Order your Gnosis Card today
FAQs
Q1: Are crypto card transactions taxable?
A: Yes—converting crypto to fiat is a taxable event in most jurisdictions.
Q2: Which card offers the highest cashback?
A: Crypto.com’s Obsidian tier (6.5–8%) or Gnosis (up to 5%).
Q3: Can I use these cards worldwide?
A: Most support global Visa/Mastercard acceptance, but check regional limits.
Final Thoughts
Crypto cards bridge digital assets with everyday spending, offering cashback and convenience. While Crypto.com excels in rewards, Gnosis appeals to DeFi users. Always consider fees, staking requirements, and tax implications.
👉 Stay ahead in crypto with expert insights