Crypto debit cards are all the rage now since they facilitate instantaneous in-store purchases for cryptocurrency holders. With so many options available, narrowing your choices might be challenging in today’s market. Identifying the best cryptocurrency debit card will be our top priority in 2025.
Choosing the Top 5 Crypto Debit Cards 2025
With that out, let’s examine how to choose the best card for you. When selecting a cryptocurrency debit card, these are the factors that most consumers consider:
- Supported cryptos
- Fees
- Rewards
- Jurisdiction and usability
- Regulatory compliance
- Other features
Many people are interested in crypto cards because they want to spend crypto rather than money for the principal. Still, the primary attraction is the ability to obtain cashback or access to staking rewards.
Remember that the top cryptocurrency cards usually require accounts with several million dollars in assets, all stake in the platform’s native cryptocurrency—a coin known for its renowned volatility. A cryptocurrency card’s payback value will be no more than 1% to 2%. It is common to pay 1.5 to 2 per cent when exchanging Bitcoin for fiat or loading money onto a crypto card.
This comparison of cryptocurrency debit cards will focus on the advantages provided to individuals who stake lesser amounts. It will also record the trustworthiness of each business and its level of compliance with regulations.
Nexo
We recommend Nexo as the best cryptocurrency debit card because its robust ecosystem provides users with access to rewards and financing options. Users can expect to receive their earnings in native NEXO tokens, with a potential range of 0.5% to 2%. Having 10% NEXO tokens in their portfolio is necessary to earn the maximum rebate.
Users can also earn annual percentage yields (APYs) of more than 10% simply by lending USDT, which is an additional incentive. It bears repeating that this approach is intricate and calls for vigilant user oversight. Making a domestic transaction or issuing a card typically costs nothing. Nexo is an exclusively authorised medicine sold inside the European Union (EU). You can choose from 40 cryptocurrencies and seven fiat currencies, including the Euro.
Holyhead
Only residents of the European Union can utilize Holyheld, a user-friendly Bitcoin debit card service. Customer rebates ranging from 0.5% to 1% are possible. Because the card is compatible with a wide variety of cryptocurrencies and fiat currencies, using it for international transactions is a breeze.
With Holyhead, you can make up to 100 monthly free domestic and international transactions. Then, until the next month’s cycle starts, an additional 2% fee + 1 EUR will be applied. There is a limit to how much you may withdraw from an ATM before they charge you. The FCIS in Lithuania ensures that Holyheld follows all relevant EU legislation. The card is compatible with the Mastercard network and can be added to users’ wallets using Apple Pay or Google Pay.
By bit
Users can earn a cashback of about 2% with Bybit. Although there is a tier that allows for 10% cashback, players would have to invest millions of platform currency and risk the volatility of their stake to access this level of rewards. It is not as simple as collecting 2% on purchases. Still, the cashback system is also very complex, granting points that can be exchanged for bonuses, discounted fees, airdrops, NFTs, and several other things.
The return isn’t great, but the card is maintenance-free and accepted everywhere in the world thanks to the Mastercard network. There is a 2% fee for ATM withdrawals and a 0.9% fee for converting cryptocurrency while spending. It functions with eight different cryptocurrencies. Despite Bybit’s regulation, the French financial authority AMF issued a warning to the company in February 2024 over noncompliance with French law regarding its operations in the country.
Wirex
The card is compatible with a wide range of digital and fiat currencies, including Bitcoin, Ethereum, Ripple, Tether, and USD Coin, among over fifty. Wirex’s regulation by many authorities, such as the UK’s FCA and the Bank of Lithuania, ensures robust compliance and security procedures. This is a Mastercard; therefore, it may be used anywhere in the world. Every card transaction incurs a 1% fee at Wirex.
If you lock in about $900 worth of WXT for 180 days on Wirex, you’ll get 1% cashback. The monthly benefits, however, are limited to about $120 as of this writing. There are several restrictions and caps on incentives, and the 8% payback advertised on the project website requires a stake of almost $45,000 worth of WXT. Subscribing to the Elite tier within Wirex’s intricate fee and subscription system is required for transactions with a maximum transaction value of around $54 to receive a cashback benefit.
Crypto.com
This Crypto.com card works with 80+ cryptocurrencies and fiat currencies, including USD, EUR, and GBP. Depending on the service tier, customers pay 1% to top up their accounts and 2% to withdraw funds from ATMs beyond $200 to $400 monthly.
As of this writing, levels of cashback and other incentives have staking requirements ranging from $400 to $400,000. Theoretically, the card offers cashback in the area of 5%, but in practice, you should expect closer to 1%. This Visa card is accepted in the United States, the United Kingdom, many Asian, African, and Middle Eastern countries, and the European Union. In addition, at more premium card tiers, users can access perks like airport lounges.
