Best Virtual Crypto Cards

Top 5 picks

Cards you can use online and in Apple Pay or Google Pay as soon as you sign up, ranked by cashback.

1. 

   1. MEXC Card

   MEXC Card suits people who already keep USDT on MEXC and spend up to $2,500 a month, where 4% cashback minus the 1% purchase fee leaves about 3%. It is virtual only, can't withdraw cash, and the higher 6% and 10% rates depend on a trading score that card spending doesn't raise.

   Cashback

   4%

   Conversion fee

   1%

   FX fee

   0%

   Mobile pay

   Apple Pay, Google Pay

   • 4% cashback for every new cardholder, up to $100 a month
   • No card, monthly or annual fee
   • 1% fee on every purchase cuts net cashback to about 3%
   • 10% cashback needs the Elite VVIP level, an 800+ M-Score

   Get MEXC Card Read the review
2. 

   2. 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%

   Mobile pay

   Apple Pay, Google Pay

   • 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
3. 

   3. OKX Card

   OKX Card is a cheap virtual card for OKX users in Europe who hold USDG, with no FX fee and 2% cashback on up to €2,500 a month. The 10% rate needs OKX VIP 4 status, and there's no physical card or ATM access in any region.

   Cashback

   2%

   Conversion fee

   0.1%

   FX fee

   0%

   Mobile pay

   Apple Pay, Google Pay

   • 0% FX fee and a 0.1% conversion spread on every payment
   • 2% cashback on the first €2,500 a month on the free plan in Europe
   • Only payments funded with USDG earn cashback in Europe
   • 10% cashback needs OKX VIP 4 status and stops after €10,000

   Get OKX Card Read the review
4. 

   4. 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%

   Mobile pay

   Apple Pay, Google Pay

   • 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
5. 

   5. BingX Card

   BingX Card suits BingX users in Europe, Latin America and Asia-Pacific who spend at least $1,000 a month and hold USDT, since cashback of 3% to 5% then clears the 1.5% fee comfortably. Light spenders earn little, because the entry tier stops paying after $4 a month.

   Cashback

   2%

   Conversion fee

   1.5%

   FX fee

   0%

   Mobile pay

   Apple Pay, Google Pay

   • Cashback of 2% to 5% in USDT, set by last month's spending
   • Free virtual card with Apple Pay and Google Pay
   • 1.5% trading fee on every purchase
   • Entry tier caps cashback at $4 a month

   Get BingX Card Read the review

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• Best Crypto Cards in Europe
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• Best Crypto Cards for ATM Withdrawals
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