What to Consider and How to Choose

Crypto cards are absolutely among the most loved products by users, but there are really many out there. So, how to choose the best one?

Before delving into the specifics, the key criteria to consider:

Fee: annual/monthly costs, transaction fees, issuance/replacement costs, ATM withdrawal fees, currency exchange.
Cashback / Rewards: in crypto, native tokens, variable percentages based on the card level.
Usability / limits: daily, monthly spending limits; virtual/physical availability; compatibility with Apple Pay / Google Pay; international acceptance.
Card mode: whether it is a “crypto debit” card (convert crypto at the time of purchase) or if it is “crypto-backed credit” (i.e., you use crypto as collateral and do not sell them).
Extras: included subscriptions (streaming, airport lounges…), various benefits.

Crypto Cards Compared

Main Features

No annual fee. No issuance fee for the virtual card or the first physical card.
Transaction commission: 0.9% on each transaction.
ATM withdrawals: cost of $0.65 + 2% of the transaction volume.
Limits: maximum ATM withdrawal $2,000 per day, $10,000 per month; spending limits by card levels (up to $3,000,000 per month for level 4).
Other features: the card is denominated in USD, transactions in other currencies involve conversion with Visa rate + possible FX fees.
Cashback: planned in BGB up to 8%, but “coming soon” – currently not always active.

Strengths

Weak points

Main Features

Availability in Europe (31 countries) for Visa cards Crypto.com.
Card tier (Midnight Blue, Ruby Steel, Jade Green / Royal Indigo, Frosted Rose Gold / Icy White, Obsidian Black). The higher the tier, the higher the reward.
Cashback: from ~1% for the most basic levels up to ~5% in the higher levels.
Subscriptions and streaming subscriptions included: Netflix, Spotify, Amazon Prime for some premium cards. Airport lounges for higher levels.
Limits / fees:

Strengths

Tangible rewards, especially with high-level cards.
Solid ecosystem, well-developed app, support at various levels, and extra benefits.
Physical presence in many European countries.

Weak Points

For high levels, it often requires “lock/stake” of CRO tokens (or equivalent), which can be demanding.
ATM withdrawal fees are quite high above the free threshold.
Some non-transparent external fees for currency exchange if outside the euro or GBP.

Main Features

Cashback (“cryptoback”) up to 8%, but to achieve the higher levels, a monthly subscription or locking WXT tokens is required.
Multiple tiers: Standard, Premium, Elite, etc., each with different requirements in terms of WXT locked / monthly costs.
Limits on monthly rewards: the “cashback” is subject to monthly caps (e.g., 30 EUR, 120 EUR, etc. depending on the level).

Strengths

The rewards are high for those who opt for advanced levels and lock tokens.
Flexibility: virtual and physical versions, the ability to choose the plan that best suits your usage.

Weak points

For high levels, financial commitment is required (locking tokens, subscriptions).
Cashback limited by monthly caps: you cannot earn indefinitely.
Some FX fees/conversions might be less favorable, depending on where you use the card.

Main Features

Dual Mode Function: crypto-backed credit mode (you don’t sell the crypto, you use it as collateral) + debit mode (what you spend is converted from crypto).
Cashback up to 2% for expenses.
No monthly, annual, or inactivity fees.
Free ATM withdrawals within a monthly limit (depends on the Loyal Tier level). After that, a fee applies.
FX Commissions: up to €20,000 per month without currency exchange fees; beyond this, they apply.
Full compatibility (virtual and physical; Apple Pay and Google Pay).

Strengths

Weak Points

Maximum cashback modest (2%) compared to other competitors, especially if you are not in higher tiers.
Limits on free ATM withdrawals can be restrictive for those who travel frequently or make many withdrawals.

Main Features

You can create a virtual or physical crypto card, linked to your balance in cryptocurrencies in the app.
When you make a purchase, the crypto is automatically converted into the currency needed for the payment.
Costs may vary depending on the plan (Standard, Plus, Premium, Metal). Some plans offer cashback, others provide extra benefits.

Strengths

Extreme flexibility, good integration with other fintech functions (multi-currency accounts, transfers, exchange, etc.).
Good choice for those who want a crypto/debit card integrated into the fintech ecosystem.

Weak points

The “hidden” fees in currency exchange or in crypto conversions can be unfavorable depending on the plan.
Low cashback at basic levels, often real benefits only for users with premium or metal plans.

Here are some common use cases and which card tends to be the most suitable:

User Profile	Recommended Card
Frequent use, many purchases, international travel	Crypto.com (high levels), Nexo (if many withdrawals/FX)
Do not want to sell crypto, want to use it as collateral	Nexo (crypto-backed credit method)
Average expenses, without large initial investments	Wirex great for medium levels; Crypto.com basic
Need high limits, use on large amounts	Bitget (higher levels) or Nexo
Less complexity, easy-to-use card in Italy	Crypto.com (very widespread), Revolut for simplicity

Pro: these cards offer a convenient way to use crypto in daily life, benefiting from cashback/benefits; they avoid immediate selling; integrations with digital wallets; often no fixed fee (if you are a basic user) or manageable costs if you pay for premium levels.
Cons: FX fees, ATM fees outside thresholds, cashback often subject to caps or conditions (“stake/lockup”); some cards require an initial commitment in tokens or balance; regulation varies depending on the country; crypto volatility if you make frequent conversions.