Last Updated on 17 February 2026 by CryptoTips.eu
Best Crypto Debit Cards in 2026
Cryptocurrency has revolutionized every aspect of the financial industry, from transactions to lending and borrowing. The crypto ecosystem is thriving and continuously developing, making it an exciting opportunity for those looking for an alternative to traditional finance. One way to participate in this ecosystem is by using crypto debit cards.
A crypto debit card works just like a regular bank card, except it’s linked to your crypto wallet. When you make a payment, the card automatically converts the cryptocurrency in your wallet to euros or dollars. You can use it at any shop or online store that accepts card payments.
The benefit of using a crypto debit card is that you can make purchases directly with your crypto holdings. You don’t need to manually convert your crypto to fiat first, the card handles that for you. It turns your crypto into a real payment method you can use every day.
Important: in Europe, crypto cards are now regulated under MiCA legislation. Always choose a card from a regulated platform. Also pay close attention to hidden fees such as conversion fees (crypto to fiat), foreign transaction fees, FX fees (converting euros to other currencies) and ATM fees. These costs can add up quickly and aren’t always clearly disclosed.
With that said, what are the best crypto debit cards available right now? Below is our top 5 for 2026. Keep reading to find out which card is right for you.
Summary crypto debit cards
- Bybit Card: MiCA licensed, up to 10% cashback, no annual fees, cashback in BTC or USDC.
- OKX Card: New in 2026, no transaction or FX fees, 0.4% conversion spread, stablecoin-first.
- Crypto.com Card: Up to 5% cashback with CRO staking, Netflix/Spotify rebates, six tiers.
- Ether.fi Cash Card: DeFi native credit card, up to 3% cashback in wETH, non-custodial.
- Nexo Card: Unique dual mode (debit + credit), up to 2% cashback, no need to sell your crypto.
Hidden fees comparison crypto cards 2026
It’s important to look beyond just cashback percentages and also consider the fees you pay per transaction. Here’s an overview:
| Card | Conversion fees | FX fees | Annual fees | Free ATM limit |
|---|---|---|---|---|
| Bybit Card | 0.9% | 0.5% | €0 | €100/month |
| OKX Card | 0.4% spread | 0% | €0 | N/A (no physical card) |
| Crypto.com | ~0.75% | 0.2% (EU) / 2% (outside EU) | €0 | €200–€1,000/month |
| Ether.fi | 0% (borrow mode) | 1% | €0 | N/A (2% per withdrawal) |
| Nexo Card | 0.75% (debit) / 0% (credit) | 0% up to €10K/month | €0 | €2,000/month |
Bybit Debit Card: Best crypto card in 2026
The Bybit EU Card is our number one choice for 2026. Bybit EU is a MiCA licensed platform from Austria and offers a Mastercard debit card that you can use at more than 90 million stores worldwide.
In 2026, Bybit EU introduced Bitcoin cashback: you can now choose whether to receive your cashback in BTC or USDC.
Depending on your rewards tier, you earn between 2% and 10% cashback on your purchases. Tier 2 and above also unlock 100% rebates on subscriptions like Netflix, Spotify and ChatGPT.
Fees:
- No annual or monthly fees
- Virtual card: free
- Physical card: €10 (free for VIP users)
- Crypto-to-fiat conversion: 0.9%
- FX fees (foreign currency): 0.5% on top of Mastercard exchange rate
- ATM: first €100 per month free, then 2%
Watch out for hidden fees: the 0.9% conversion fee is charged on every crypto payment. If you pay regularly, this adds up. To reduce costs, you can use euros or stablecoins (USDT/USDC) as your payment currency.
On paper, the Bybit Debit Card has higher fees than the OKX Card, but you reach higher cashback tiers more quickly, which means higher net earnings at higher spending levels.
Supported: Apple Pay, Google Pay, Samsung Pay. Supports BTC, ETH, XRP, USDT, USDC and TON.
OKX Card: New in 2026, stablecoin-first with lowest fees
OKX launched a brand new crypto card in Europe in early 2026. What makes the OKX Card unique is its stablecoin-first approach: you pay directly from your stablecoins (USDC or USDG) in your OKX Pay wallet, without manual conversion or preloading.
This is the most transparent card in terms of fees: OKX charges no transaction fees and no FX fees. There’s only a fixed market spread of 0.4% on the stablecoin-to-fiat conversion. That’s lower than virtually all competitors.
Fees:
- No annual, monthly or inactivity fees
- No transaction fees
- No FX fees
- Stablecoin-to-fiat conversion: 0.4% market spread
- Only virtual card available (no physical card for now)
Cashback: regular users earn 2% cashback (max €10 per month), VIP users 4% (max €40 per month). Cashback is only valid on payments made with USDG. During promotional periods up to 20% cashback.
Note: cashback only applies to USDG payments, not USDC. The regular cashback after the promotional period is fairly limited for standard users.
Supported: Apple Pay, Google Pay. MiCA licensed from Malta. Available in most EU countries and Norway.
Crypto.com Card: Many tiers, high cashback requires CRO staking
Crypto.com is a MiCA licensed platform that offers five types of debit cards. You can use these cards to spend Crypto.com’s native token called CRO (or Crypto.com Coin). All cards are different and the benefits depend on how much CRO you stake.
For every purchase you receive cashback in CRO. For example, you get 8% cashback for the highest tier card. The only limitation is that transactions in digital wallets, banking services, crypto exchanges and withdrawals are excluded.
Based on your chosen debit card, you can receive CRO cashback for payments on the following services:
- Spotify (100% cashback)
- Netflix (100% cashback)
- Prime (100% cashback)
- Expedia (10% cashback)
- AirBNB (10% cashback)
Some cards even offer bonus interest and a private jet membership (one-time). For more information about these benefits, check out the image below.
Note: Crypto.com regularly changes its terms and conditions. Often to the disadvantage of the user.
Ether.fi Cash Card: DeFi native credit card for advanced users
The Ether.fi Cash Card is a completely different type of crypto card. It’s a non-custodial Visa credit card powered by DeFi. Your crypto (ETH, BTC, stablecoins) stays in your own wallet via a Gnosis Safe and is used as collateral for a credit line. You don’t sell any crypto when you make a payment.
Cashback: Core tier (free): 2% in wETH. Luxe and Pinnacle tiers: up to 3%.
Cashback is paid out monthly and automatically added to your vault. Ether.fi also regularly runs promotions with higher percentages.
Fees:
- No annual fees (all tiers)
- FX fees: 1% on non-USD transactions
- ATM: 2% per withdrawal (max $10,000/day)
- Borrow rate: 0% APR during promotional period, then variable based on AAVE market interest rates
Note: this is a credit card, not a debit card. You borrow against your crypto as collateral. If your crypto drops sharply in value, liquidation can occur. This card is suitable for experienced DeFi users, not beginners.
The card is available in many European countries. Supported: Apple Pay, Google Pay. Visa Signature with lounge access and concierge services at higher tiers.
Nexo Card: Best option to spend without selling your crypto
The Nexo Card is unique because of its dual mode functionality. You can switch between debit mode (you spend your crypto) and credit mode (you borrow against your crypto as collateral without selling it) with a single tap. In credit mode, you don’t trigger a taxable event because you technically aren’t selling your crypto.
Cashback: up to 2% in NEXO tokens or 0.5% in Bitcoin.
Cashback is only available in credit mode and requires an account balance of at least $5,000 and a loyalty tier. Without NEXO tokens in your portfolio, no cashback is available.
Fees:
- No annual or monthly fees
- No FX fees up to €10,000 per month
- Crypto-to-fiat conversion (debit mode): 0.75%
- Borrow rate (credit mode): from 2.9% to 18.9% per year (depending on loyalty tier and LTV ratio)
- ATM: free up to €2,000 per month
Watch out for hidden fees: the attractive 2.9% borrow rate is only available for Platinum tier members with an LTV below 20%. Most users pay significantly more. You need at least $5,000 in crypto on your Nexo account for most benefits.
FX fees above €10,000 per month can go up to 2.5%.
Supported: Apple Pay, Google Pay. Mastercard. Over 100 cryptocurrencies supported for debit payments. Up to 14% interest on your crypto balance. Available in Europe, USA and the United Kingdom.
Conclusion
Crypto cards are a solid option for investors who want to actually use their crypto in daily life. They form a bridge between the traditional financial system and the crypto world.
- For European users, the Bybit Card is currently the best all-round choice thanks to its high cashback, Bitcoin rewards and MiCA regulation.
- The OKX Card is ideal if you want the lowest fees and primarily pay with stablecoins.
- Crypto.com offers the most extras (Netflix, Spotify, lounges), but requires significant CRO staking.
- The Ether.fi Cash Card is the most innovative but primarily suited for experienced DeFi users.
- The Nexo Card is ideal if you don’t want to sell your crypto but still want to spend it.
With every card, pay close attention to the hidden fees. Conversion fees, FX fees and ATM fees can significantly reduce your effective cashback. Always calculate your net return before making a choice.
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