Best Bitcoin Debit Cards

Lemon Card is our top pick for a bitcoin debit card, with 2% cashback (first ar$1500k a month, then 0%, crypto-funded only) and a 0.5% conversion fee. Ripio Card and Uphold Debit Card follow, both with 2% cashback.

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Some links earn us a commission, which never changes the order, and we don't issue any of these cards.

Top 5 picks

Cards that spend bitcoin directly from your balance, ranked by cashback.

  1. Lemon Card — Standard

    1. Lemon Card

    Lemon Card suits Argentine residents who keep savings in crypto or digital dollars and want 2% back in bitcoin on everyday peso spending, for free. The 0.5% conversion fee takes a quarter of that reward, purchases abroad earn nothing, and the card can't be used at ATMs.

    Cashback
    2%
    Conversion fee
    0.5%
    FX fee
    0%
    Custody
    Custodial
    • 2% bitcoin cashback on purchases paid with crypto
    • No issuance, shipping or maintenance fee, physical or virtual
    • 0.5% conversion fee on every peso purchase paid with crypto
    • Cashback capped at ARS 30,000 a month
    Get Lemon Card Read the review
  2. Ripio Card — Standard

    2. Ripio Card

    Ripio Card suits Argentine residents who hold crypto in Ripio and want 2% back on everyday peso spending, with no card fee. The 0.5% conversion fee cuts the reward to 1.5%, and the yearly card limit of USD 7,500 rules it out as a main card for big spenders.

    Cashback
    2%
    Conversion fee
    0.5%
    FX fee
    3%
    Custody
    Custodial
    • 2% cashback in USDT, BTC or ETH on purchases paid with crypto
    • No fee to get or use the card, physical or virtual
    • 0.5% conversion fee on every purchase paid with crypto
    • Peso-funded purchases earn only 0.5% cashback
    Get Ripio Card Read the review
  3. Uphold Debit Card — Essential

    3. Uphold Debit Card

    Uphold Debit Card suits US residents who already hold dollars or crypto on Uphold, with a free Essential plan and a $99.99 Elite plan for travellers. The advertised XRP rewards are a limited-time offer for new cardholders, and Essential charges 1.5% on foreign-currency payments.

    Cashback
    2%
    Conversion fee
    2.05%
    FX fee
    1.5%
    Custody
    Custodial
    • Essential plan has no annual fee and a free virtual card
    • Elite has 0% FX, free ATM withdrawals and a free metal card
    • Only for US residents, excluding Louisiana and New York
    • Elite costs $99.99 a year
    Get Uphold Debit Card Read the review
  4. Belo Mastercard — Belo Mastercard

    4. Belo Mastercard

    Belo Mastercard suits Argentine residents who hold USDT or other crypto in belo and want to spend it locally and abroad with a free card. It is only open to holders of an Argentine ID, and the cashback stops at ARS 20,000 a month.

    Cashback
    2%
    Conversion fee
    —
    FX fee
    —
    Custody
    Custodial
    • Free to issue, ship and keep, with no monthly fee
    • 2% to 21% cashback on purchases paid entirely in crypto
    • Only for people with an Argentine DNI or passport
    • Cashback is capped at ARS 20,000 a month
    Get Belo Mastercard Read the review
  5. Tria Card — Lite

    5. Tria Card

    Tria Card suits heavy spenders who want self-custody and can use the Max plan, where 6% on the first $2,000 a month is worth up to $120 a month against a $250 yearly fee. Every plan costs money, and the card terms let the issuer charge up to 3% on foreign exchange.

    Cashback
    1.5%
    Conversion fee
    0%
    FX fee
    1%
    Custody
    Self-custody
    • Max pays 6% on the first $2,000 a month, up to $120
    • Funds stay in your own wallet until you pay
    • No free plan, Max costs $250 a year
    • Max cashback drops to 1% above $2,000 a month
    Get Tria Card Read the review

Compare all 61 cards

Pick your country to see each card with the terms that apply to you, or sort by any column.

#CardCashbackConversion feeFX feeCustodyLink
1Lemon Card2%First AR$1500k a month, then 0%. Crypto-funded only0.5%0%CustodialGet card
8Ripio Card2%First AR$2500k a month, then 0%. Crypto-funded only0.5%3%CustodialGet card
9Uphold Debit Card2%First $6k a month, then 0%. New users only2.05%1.5%CustodialGet card
11Belo Mastercard2%First AR$1000k a month, then 0%. Crypto-funded only——CustodialGet card
12Tria Card1.5%First $1k a month, then 0.5%0%1%Self-custodyGet card
13KAST Card1.5%First $2k a month, then 0%0%1.75%CustodialGet card
18Gate Card1%First $500 a month, then 0%. Crypto-funded only0.9%0.4%CustodialGet card
19Bybit Card1%Always0.9%0.5%CustodialGet card
20KuCard1%First $500 a month, then 0%. Crypto-funded only0.5%1%CustodialGet card
211inch Card1%Always2%0%CustodialGet card
22Kolo Card1%First $10k a month, then 0%1%1%Self-custodyGet card
23Ledger CL Card1%Always2%0%CustodialGet card
27CoinJar Card1%Always1%2.99%CustodialGet card
28Bitpanda Card1%Crypto-funded only—0%CustodialGet card
29Binance Card0.5%Always0.9%0%CustodialGet card
30XPlace Card0.5%First $2k a month, then 0%. Credit mode only0%1%Self-custodyGet card
31CoinZoom Visa Card0.5%Always1.49%0%CustodialGet card
32Tap Card0.5%Always1.99%1.5%CustodialGet card
34Wirex Card0.5%Always—0%Self-custodyGet card
35Cardano Card0.5%Always——CustodialGet card
37Brighty Card0.5%First €3.4k a month, then 0%0.6%—CustodialGet card
38Fold Card0.25%Always1%—CustodialGet card
39Revolut Crypto Card0%0%0%CustodialGet card
41Xapo Bank Card0%0.29%0%CustodialGet card
42UPay Card0%1%0%CustodialGet card
43Bing Exclusive Virtual Card0%1%1%CustodialGet card
44RedotPay Card0%1%1.2%CustodialGet card
45Deblock Card0%1.99%0.5%CustodialGet card
46Onboard Flex Card0%1.25%1.5%CustodialGet card
47Bit2Me Card0%0.95%2%CustodialGet card
49LinkPay Card0%3%0%CustodialGet card
50IZIPAY Card0%3%0%CustodialGet card
51WhiteBIT Nova USD Card0%1.5%1.5%CustodialGet card
52Kripicard Premium0%4%0%CustodialGet card
53Rivocard Virtual Card0%5%0%CustodialGet card
54PSTNET Card0%2%3%CustodialGet card
55WaldenPay Virtual Card0%5%0%CustodialGet card
56Zypto Premium VISA Card0%3%1.75%CustodialGet card
57Nocturne Card0%5.47%0%CustodialGet card
58Crypto.com Visa Card0%—2%CustodialGet card
66Krak Card0%—0%CustodialGet card
69Nexo Card0%—2%CustodialGet card
71Bitsa Card0%—2%CustodialGet card
72CardUpNow Virtual Card0%5%—CustodialGet card
73CasherCard0%5%—CustodialGet card
74DigitalPurse Card0%——CustodialGet card
75Foxbit Card0%—6%CustodialGet card
76Gpayvcc Virtual Visa Reloadable0%——CustodialGet card
77Hide Card0%7.5%—CustodialGet card
78Nexa Card0%——CustodialGet card
79TapxCard0%3.5%—CustodialGet card
80UnCard0%——CustodialGet card
81VCCPro Virtual Visa Card0%8%—CustodialGet card
82ZexoCard Virtual Card0%——CustodialGet card
83Moon Card—1%0%CustodialGet card
84PlasBit Card—0%1.5%CustodialGet card
85Cwallet Cozy Card—1.8%0%CustodialGet card
86Volet Card—2%0%CustodialGet card
90Coinbase Card——0%CustodialGet card
91Oobit Crypto Card—First $200 a month, then 0%1%—Self-custodyGet card
92SpectroCoin Card——1%CustodialGet card

How we rank bitcoin Debit Cards

Cards that spend BTC directly qualify, ranked by the cashback on the plan anyone can get, then by the cost of paying abroad. "Cashback" is the rate on the plan anyone can get, with no subscription, staking or spending minimum, and "max cashback" is the best rate on any plan.

Each card's review explains its plans, fees and availability. There is no overall score, and referral links never change the order. How we compare cards.

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