Best Self-Custody Crypto Cards

ether.fi Cash is our top pick for a self-custody crypto card, with 3% cashback (first $2k a month, then 1%) and a 1.5% FX fee. Plasma One Card and Tria Card follow, with 2% cashback and 1.5% cashback respectively.

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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 straight from a wallet you control, so no exchange ever holds your funds.

  1. ether.fi Cash — Core

    1. ether.fi Cash

    ether.fi Cash suits crypto holders who want high cashback on everyday spending without handing their coins to an exchange, with 3% on the first $2,000 a month on the free Core level. Rewards are paid in the ETHFI token after a 7-day lock, and Core cashback drops to 0.5% above $3,000 a month.

    Cashback
    3%
    Conversion fee
    —
    FX fee
    1.5%
    Spend from
    USDC, USDT, EURC +5
    • 3% cashback on the first $2,000 a month with no annual fee
    • Self-custody wallet, the issuer can't move your funds
    • Cashback is paid in ETHFI after a 7-day lock, $5 minimum claim
    • Core cashback drops to 0.5% above $3,000 a month
    Get ether.fi Cash Read the review
  2. Plasma One Card — Lite

    2. Plasma One Card

    Plasma One Card suits stablecoin holders who want to spend USDT from their own wallet and are happy to earn cashback in XPL. The free Lite plan stops paying 2% after $500 a month, and the better rates need a $199 yearly fee or an XPL lock of 12 months.

    Cashback
    2%
    Conversion fee
    0%
    FX fee
    2%
    Spend from
    USDT
    • 2% cashback on the first $500 a month on the free Lite plan
    • No conversion fee on payments, and 0% FX on Platinum
    • Cashback is paid in XPL, so its value moves with the token
    • Lite charges 2% FX and has no ATM access
    Get Plasma One Card Read the review
  3. Tria Card — Lite

    3. 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%
    Spend from
    USDC, USDT, ETH +1
    • 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
  4. Bleap Card — Bleap Card

    4. Bleap Card

    Bleap Card suits people in the EEA and Switzerland who hold USDC or EURe and want a free card with no FX fee, 1% back and spending straight from their own wallet. Cashback stops at €30 a month, and the physical card is only available through Bleap's referral program.

    Cashback
    1%
    Conversion fee
    0%
    FX fee
    0%
    Spend from
    USDC, EURe
    • 1% cashback on up to €3,000 a month, paid in USDC
    • No FX fee, no conversion fee and no card or monthly fee
    • Cashback tops out at €30 a month
    • Physical card only after completing the referral program
    Get Bleap Card Read the review
  5. MetaMask Card — Virtual

    5. MetaMask Card

    MetaMask Card suits self-custody users in Europe and the Americas who want 1% back with no fee and no cap, spending straight from their wallet. The only option now is a virtual card, because the $199 Metal card has been paused since June 2026.

    Cashback
    1%
    Conversion fee
    0%
    FX fee
    1%
    Spend from
    mUSD, EURe, USDC +2
    • 1% back in mUSD with no monthly cap on the free virtual card
    • Spends from your own wallet, so you keep the keys until you pay
    • Metal card orders have been paused since June 2, 2026
    • 1% cross-border fee on any merchant outside your country
    Get MetaMask Card Read the review

Compare all 24 cards

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

#CardCashbackConversion feeFX feeSpend fromLink
1ether.fi Cash3%First $2k a month, then 1%—1.5%USDC, USDT, EURC +5Get card
2Plasma One Card2%First $500 a month, then 0.1%0%2%USDTGet card
3Tria Card1.5%First $1k a month, then 0.5%0%1%USDC, USDT, ETH +1Get card
4Bleap Card1%First €3k a month, then 0%0%0%USDC, EUReGet card
5MetaMask Card1%Always0%1%mUSD, EURe, USDC +2Get card
7Tangem Pay1%First $10k a month, then 0%0%1.5%USDC, USDTGet card
9Kolo Card1%First $10k a month, then 0%1%1%USDT, USDC, BTC +5Get card
11COCA Card1%First $1.5k a month, then 0%—0%USDC, EURCGet card
12XPlace Card0.5%First $2k a month, then 0%. Credit mode only0%1%USDC, USDT, BTC +3Get card
13Wirex Card0.5%Always—0%USDC, USDT, EURC +3Get card
14Avici Card0%0%1%USDC, USDT, ETH +1Get card
15Decaf Card0%0%1%USDCGet card
18Exa Card0%0%1.5%USDC, ETH, WBTC +2Get card
19Rizon Card0%0%1.7%USDC, USDTGet card
20Bitypay Card0%0.5%1.99%USDCGet card
21Fuse Card—0%0%USDCGet card
22Rebind Card—0%0%EUReGet card
23Avalanche Card—0%1%USDC, USDT, AVAX +1Get card
24Payy Card—0%1%USDCGet card
25Karma Card—0.5%1%USDCGet card
27Tuyo Card—0%2%USDCGet card
28Prive Card—0.5%2%USDT, USDCGet card
29Solayer Card—1%1.5%USDCGet card
30Oobit Crypto Card—First $200 a month, then 0%1%—USDT, USDC, BTC +5Get card

How we rank self-Custody Crypto Cards

Only cards that spend from a wallet you hold the keys to qualify, ranked by the cashback on the plan anyone can get. "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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