The global cryptocurrency infrastructure is maturing, and with it comes a growing demand for the real-world usability of on-chain assets. For many crypto users, the challenge has always been how to effectively use these digital assets in everyday life.
Crypto payment cards, often referred to as "U Cards," have emerged as a solution to this problem. They not only bridge the gap between digital assets and daily spending but are also reshaping how people think about wallets, PayFi, and payment networks.
These cards offer a range of functionalities—from directly linking with mobile payment apps for seamless spending to allowing users to borrow stablecoins against their Bitcoin holdings to navigate market conditions. Today’s crypto payment cards are not only practical but also serve as a sophisticated gateway into crypto finance.
To help you navigate this rapidly evolving landscape, we’ve analyzed ten of the most prominent crypto payment cards available. This comparison covers key aspects such as application processes, supported assets, fee structures, cashback mechanisms, and on-chain interoperability.
Crypto Payment Cards Ideal for Beginners
Bybit Card: A Widely Accessible Exchange-Backed Option
The Bybit Card is a virtual debit card known for its no-annual-fee policy and low entry barrier. It supports KYC verification from mainland China, and the application process is free.
Applying is straightforward: users need to register a Bybit account, complete identity verification, and then apply for the card through the platform’s "Card" section. Users can choose between two regions for issuance:
- Australia: No address proof is required for the virtual card. The default currency is USD, and approval typically takes 5–7 business days.
- European Economic Area (EEA): This option requires address proof (e.g., utility or credit card bills from an EEA country). The default currency is EUR.
The card can be managed within the Bybit app and linked to Apple Pay, Google Pay, or other platforms that accept Mastercard.
It’s worth noting that the Australian version currently has limitations with Alipay and WeChat Pay due to recent policy changes. However, some users report that "tap-to-pay" features may still work. The EEA version is generally more reliable for binding with these payment apps.
Fees are competitive, ranging from 0.9% to 3%, depending on the region, currency, and merchant. Some transactions may incur additional intermediary fees. A promotional 10% cashback offer is currently available for new users.
Be aware that cross-currency transactions may involve conversion fees. For example, spending in JPY with a USD-denominated card will include a forex conversion cost.
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Bitget Card: Exclusive Offering for VIP Users
Bitget’s virtual debit card also emphasizes no annual fees and direct USDT spending. It supports both UnionPay and Mastercard networks, catering to different regional needs.
The card is issued in partnership with DCS (DeCard), a regulated Singapore-based financial institution. Note that application is currently restricted to Bitget VIP users, often requiring a minimum account balance of 30,000 USDT or equivalent.
The card can be linked to Apple Pay, Google Pay, Alipay, and WeChat Pay. Bitget has also hinted at future BGB token cashback rewards.
Transaction fees range from 0.9% to 3%, subject to factors like currency and payment channel. Transactions above RMB 300 on Alipay or WeChat may incur additional fees.
This card is best suited for high-net-worth individuals or frequent cross-border spenders.
SafePal x Fiat24: More Than a Card—A Compliant Bank Account
SafePal collaborates with Fiat24, a Swiss-regulated bank, to offer a comprehensive crypto-financial service. Users receive a legitimate European bank account (including an IBAN) suitable for international transfers, withdrawals, and debit card spending.
The application process is more involved. Users must first access the service via SafePal Wallet (available in supported regions like mainland China), mint an identity NFT on Arbitrum, complete KYC, and submit address proof. Once approved, a Mastercard debit card is issued.
The card supports EUR, USD, CHF, and CNY as base currencies and can be linked to Apple Pay, Google Pay, Alipay, and WeChat Pay. Fees range between 1% and 3%. Outbound transfers incur a ~1% fee, but spending in the card’s base currency is free.
This offering is ideal for users seeking a fully-functional, compliant banking solution integrated with crypto assets.
Morph Black Card: A Premium Option for High-Net-Worth Users
The Morph Black Card is a high-end offering tied to the ownership of a Morph Black NFT, which currently has a floor price of around 0.87 ETH. It targets users looking for exclusive benefits and on-chain privileges.
Holders may qualify for future Morph token airdrops, high-yield savings opportunities, and additional ecosystem rewards. The physical card is made of 22g black metal and comes with no annual fee. Transaction fees can be as low as 0.3%, and daily limits go up to $1 million.
The card also provides access to premium services like travel bookings, concierge support, and a dedicated USD bank account in Singapore. It is believed to be based on the DCS Imperium World Elite Card framework.
Morph has also introduced a more accessible Platinum SBT, mintable for 0.3 ETH, which includes access to a Platinum Card with trial premium benefits.
Infini Card: Virtual Cards for Flexible Online Spending
Infini offers two virtual cards: Meow Card (Mastercard) and Rabbit Card (Visa), both priced at $9.9 with no annual or monthly fees. They are compatible with Alipay and WeChat Pay.
- Meow Card: Optimized for RMB transactions, with a 0.8% service fee and 1–1.5% cross-currency fee.
- Rabbit Card: Ideal for USD-based subscriptions (e.g., ChatGPT, Netflix, AWS), with a 0.8% fee and a 1% + $0.50 charge for non-USD transactions.
Both cards support OnlyFans subscriptions. An实体卡, Woof Card, is in development and will support Apple Pay and Google Pay.
Cards Best Suited for Overseas Residents
The following cards require proof of residency (e.g., utility bills or bank statements) in supported regions.
Coinbase Card: Zero-Fee Spending for US and EEA Users
The Coinbase Card is one of the most trusted options, available to residents of the U.S. and EEA. It does not support mainland China KYC.
Its standout feature is the lack of fees: no transaction costs, no conversion fees when spending USDC, and no ATM fees. Users can seamlessly convert fiat to USDC without charges. The card also supports occasional cashback promotions.
This VISA debit card is widely accepted and integrates smoothly with local banking systems for quick withdrawals.
Nexo Card: The European Cashback Credit Card
The Nexo Card is available to EEA and UK residents and operates as a true credit card—users can spend first and repay later. It also offers a tiered cashback system based on loyalty level.
Cashback ranges from 0.5% to 2% in NEXO tokens or Bitcoin, depending on the user’s portfolio size and NEXO holdings. There are no annual or monthly fees.
Currency conversion fees are 0.2% for EUR, CHF, or GBP transactions and 2% for others. An additional 0.5% fee applies to weekend forex transactions.
This card is ideal for European residents seeking credit flexibility and rewards.
RedotPay: A Hong Kong-Based VISA Option
RedotPay is a Hong Kong-based crypto payment service offering a VISA debit card. It is not available to mainland China residents but supports users in several other regions.
The card supports Binance Pay integration and charges between 1% and 3% in fees, depending on currency conversion and transaction type. There is no annual fee, but a $100 one-time charge applies for physical cards.
A full fee schedule is available on their website, including a 1.2% foreign transaction fee, 2% ATM withdrawal fee, and 1% transaction fee.
This card is best for users who prefer a lightweight, non-exchange-based spending tool.
Decentralized and Self-Custody Cards
MetaMask Card: Low-Fee Spending for Self-Custodied Assets
The MetaMask Card is currently available in select regions, including the U.S. (excluding some states), the UK, EU, Switzerland, Mexico, Colombia, and Brazil. It supports USDC, USDT, and wETH on the Linea network.
Users only pay Linea gas fees (around $0.02) when spending stablecoins. Spending wETH incurs an additional 0.875% swap fee. All transactions earn 1% cashback in USDC.
The card can be linked to Apple Pay and Google Pay, making it a convenient option for existing MetaMask users.
1inch Card: Borrow Against Crypto to Spend
The 1inch Card, available to EEA and UK residents, allows users to borrow stablecoins against collateralized BTC or ETH. Loan terms range from 6 to 24 months.
This mechanism lets users spend without selling their appreciated assets. Interest is paid monthly in stablecoins. The card supports spending in major cryptocurrencies, which are converted to fiat at the point of sale.
Fees include a 2% transaction fee, 1.75% conversion fee, and 0.4–0.5% crypto withdrawal fee. ATM withdrawals cost €2.50–€3.00 plus 1.5%. All spending earns 2% crypto cashback.
This card is excellent for users interested in leveraged spending without liquidating their holdings.
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Frequently Asked Questions
What is a crypto payment card?
A crypto payment card functions like a traditional debit or credit card but allows you to spend cryptocurrency directly or via conversion. It bridges the gap between digital assets and everyday commerce.
How do I apply for a crypto card?
Most cards require you to sign up on a supporting platform, complete KYC verification, and choose a card type. Some may require specific residency or minimum balance requirements.
Are crypto payment cards safe?
Yes, most are issued by regulated financial institutions and incorporate standard security features. However, always research the provider’s reputation and regulatory compliance.
Can I use crypto cards with Alipay or WeChat Pay?
Some cards, like those from Bybit, Bitget, SafePal, and Infini, support binding with these apps. Availability may vary based on region and policy changes.
What are the typical fees involved?
Fees often include transaction charges (0.5–3%), currency conversion costs (1–2%), and sometimes ATM withdrawal fees. Some cards have no annual fees.
Which card is best for high-frequency spending?
Cards with low fees and cashback rewards, such as Coinbase Card or Nexo Card, are ideal for frequent spenders—if you meet their eligibility requirements.