We've tested and compared every major crypto card on fees, cashback rates, entry requirements, and everyday usability. Here are the cards worth your wallet.
Read our methodology →Our Top Pick
Up to 1% cashback on all eligible purchases, paid in GBP, EUR or Bitcoin at your choice. No monthly or annual cap. cashback · $0 annual fee · 400+ currencies
| Feature | Krak CardWinner | Bybit Card | Crypto.com Visa Card | Brighty Card |
|---|---|---|---|---|
| Card Type | debit | debit | prepaid | debit |
| Network | mastercard | mastercard | visa | visa |
| Annual Fee | $0 | $0 | $0 | $0 |
| Conversion Fee | 0% explicit Kraken conversion fee. A variable spread applies when spending across assets (typically 0.3–0.5% vs interbank rate for crypto-to-fiat). | 0.9% on crypto-to-fiat conversion at point of sale | Around 0.5% FX markup on non-EUR/GBP purchases after interbank allowance in Europe; structure varies by region. | Crypto-to-fiat conversion at ~1% all-in (conversion fee + spread). Exact fee schedule varies — check app for current rates. |
| FX Fee | 0% FX fee from Kraken. Transactions abroad use standard Mastercard exchange rates (which include a small network spread of ~0.2–0.4% vs interbank). | 0.5% in EEA/Switzerland. 1% in Australia. Up to 7% in Argentina. | FX markup applies above free interbank limit and for some currencies; check local fee schedule. | FX fees from 0.3% on crypto-to-fiat. Fee-free currency exchange up to a limited monthly amount. |
| ATM Fee | 0% Kraken ATM fee. Third-party ATM operator fees may apply. | 2% | 2% above free monthly ATM limit | No free ATM withdrawals. Fees reported at ~6.2% of a €200 withdrawal (includes conversion + ATM fees). |
| Cashback | Up to 1% cashback on all eligible purchases, paid in GBP, EUR or Bitcoin at your choice. No monthly or annual cap. | ~2% at base level, up to ~10% at highest VIP tier. Paid as Rewards Points convertible to crypto. | No regular CRO cashback on Basic plan; may still earn promotional Rewards+ on specific campaigns. | 0.5% base cashback on all purchases, capped at $20 per month. |
| Entry Type | free | free | free | free |
| Supported Currencies | 400+ | 7+ | 400+ | 14+ |
| Availability | UK, Europe (EEA) | Europe (EEA), Switzerland, Australia, Argentina, Brazil, Mexico | Europe (EEA), UK, United States, Canada, Singapore, Australia, Brazil, Switzerland | Europe (EEA) |
| Visit | Visit | Visit | Visit |
Best for: UK and EEA crypto holders
Krak Card is the most transparent crypto debit card in Europe right now: zero transaction fees, zero FX fees, zero ATM fees from Kraken's side, and up to 1% uncapped cashback paid in your choice of local fiat or Bitcoin. It supports 400+ crypto and fiat assets with real-time conversion at checkout and comes at the Mastercard World Elite tier for free. The main limitations are UK/EEA-only availability, a custodial model, and uncertainty around post-promo cashback tiers after March 31, 2026.
Read Full Review →Best for: Existing Bybit traders who want to off-ramp without fees drama
The Bybit Card delivers genuinely strong cashback (2–10%) without requiring you to stake a volatile token — a real differentiator. But the tradeoffs are significant: only seven cryptos are supported for spending, conversion and FX fees stack up fast on non-EUR purchases, and availability across the EEA is uneven — some countries like France and Romania are technically available via Bybit EU but with feature restrictions that aren't clearly documented. It's a solid pick for existing Bybit users in supported countries who want an easy off-ramp. For everyone else, the limitations add up.
Read Full Review →Best for: Crypto.com power-users willing to stake CRO or pay Level Up subscription for better rewards.
The Crypto.com Visa Card is one of the most feature-rich crypto prepaid cards on the market, with up to 5% CRO cashback, subscription rebates and airport lounge access on higher tiers. However, the best perks require either a large CRO stake or an ongoing Level Up subscription, and rewards on lower tiers are heavily capped. Combined with custodial risk, declining CRO value, and frequent complaints about support, this card suits committed Crypto.com users more than casual newcomers.
Read Full Review →Best for: EU-based digital nomads and crypto earners
Brighty is a solid crypto-fiat neobank for EU residents who want IBAN accounts, a Visa debit card and yield on crypto holdings in a single custodial app. The Earning Vaults (up to 10% APY, no lockup) are the standout feature. The card itself is decent but unexceptional: 0.5% cashback on the free tier capped at $20/month, up to 1.75% on Pro, with dynamic bonus categories that reward heavier spenders. The custodial model, modest cashback, and no free ATM withdrawals hold it back against the best crypto cards in Europe.
Read Full Review →Every card in our comparison is evaluated across six core dimensions by our editorial team. We weigh each factor based on its impact on everyday usability and total cost of ownership.
Annual, conversion, FX, and ATM fees weighted by typical usage patterns.
Effective cashback rate across common spending categories.
Capital required, lock-up periods, and impact on reward tiers.
Number and variety of supported cryptocurrencies and fiat.
Geographic coverage and regulatory standing by region.
Platform certifications, insurance, and incident history.
Our reviews are editorially independent. We may earn a commission when you apply through our links, but this never influences our ratings or recommendations.
