Best Bitcoin Debit Cards of 2021

Best Overall : Coinbase

Fees: 2.49% cryptocurrency liquidation fee, 2% foreign transaction fee, and 1% fee for withdrawing over the daily limit
No. of Crypto Supported: 9
Rewards: None

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Why We Chose It

Coinbase is our top overall choice for a Bitcoin debit card. It can be used anywhere Visa is accepted, supports up to nine different cryptocurrencies, and features robust security.

Pros & Cons

Pros

Can be used anywhere Visa is accepted
Pay using multiple cryptocurrency wallets
Multiple security features

Cons

Coinbase account required
Charges excessive fees

Overview

Founded in 2012, Coinbase is one of the most popular digital currency exchanges in the world. Its Coinbase Card lets cardholders spend their cryptocurrency anywhere Visa is accepted. Its support for multiple currencies, easy currency conversion, and top-notch security are why we chose it as the best bitcoin debit card overall. 

Coinbase Card supports up to nine cryptocurrencies, including Bitcoin, Ethereum, and Litecoin, and requires cardholders to have a Coinbase account. The card automatically converts your preferred cryptocurrency in your Coinbase wallet on demand so you don't need to keep a fiat currency balance in your account. 

Coinbase Card also offers a number of security and convenience features, including a mobile wallet app, two-factor identification, instant card freeze, spending tracking, and more. Cardholders can use their card to make online and in-store purchases and withdraw cash at any Visa-supported ATM in the world.   

Residents of the U.K. and Europe must pay a £4.95 or 4.95 € issuance fee for a Coinbase Card, while U.S. residents can get the card for free. Coinbase also charges a number of fees, including a 2.49% cryptocurrency liquidation fee, 1% for withdrawing over the daily limit, and 2% for using the card abroad.

Best Low-Fee Card : BlockCard

Fees: $5 monthly fee, $3 ATM withdrawal fee, $2 foreign transaction fee
No. of Crypto Supported: 13
Rewards: 1% to 6% cash back

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Why We Chose It

If you're looking for a low fee Bitcoin debit card, BlockCard is a great option. This card comes with minimal fees, and doesn't charge any deposit, exchange, or withdrawal fees.

Pros & Cons

Pros

No transaction, exchange, or withdrawal fees
Flat monthly fee
Cashback rewards

Cons

Must buy Ternio tokens to make purchases
Know Your Customer (KYC) verification

Overview

Developed by financial technology company Ternio, BlockCard lets cardholders make purchases with their cryptocurrency of choice wherever Visa is accepted. It features a flat account management fee and no deposit, exchange, or withdrawal fees putting it in top place as the best low-fee card.      

BlockCard offers some of the lowest pricing we've come across. The company charges a $10 activation fee as well as monthly administrative fee of just $5 which is waived if the cardholder spends more than $750 per month in non-cash transactions. BlockCard charges no deposit, exchange, or withdrawal fees and just $3 for domestic ATM cash withdrawals ($3.50 international).

In order to use BlockCard, cardholders must purchase (or "stake") native Ternio tokens called TERN with USD or cryptocurrency which is converted to fiat money during the time of purchase. The card supports over 13 cryptocurrencies, including Bitcoin, Ethereum, Litecoin, and Stellar Lumens. BlockCard also offers 1% to 6% back in cryptocurrency. At the time of writing, cardholders could get 6% back with a stake of 145,000 TERN which would cost $2,800.

Use the link on our page and get a $10 credit when depositing your first $100.

Best for Cardholder Perks : Wirex

Fees: 1% fee to fund accounts
No. of Crypto Supported: 25
Rewards: Up to 2% cashback

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Why We Chose It

Wirex comes with lots of customer perks for cardholders. These include cash back of up to 2%, free ATM withdrawals, and the ability to earn interest on fiat, BTC, and ETH currencies.

Pros & Cons

Pros

Cashback and referral bonuses in Bitcoin
Supports 25 cryptocurrencies
No issuance or monthly fees

Cons

Not available in the U.S. until summer 2021
Must have a balance in Wirex WXT tokens for rewards

Overview

Wirex is an EU-only digital payment platform established in 2014 that released a Visa-backed cryptocurrency debit card one year later. The card offers rewards in WXT and is our selection as the best for cardholder perks.

The Wirex card supports 25 cryptocurrencies and nearly a dozen fiat currencies in Europe and a few Asian and Pacific countries and will be available in the U.S. in summer 2021.  Cardholders pay no issuance, monthly, or withdrawal fees and only a 1% fee to fund accounts with cryptocurrencies.

The Wirex card is one of the few cards to offer cashback rewards up to 2% cashback in cryptocurrency. There is free express delivery with no fees for maintenance or reissue of the card. Wirex Mastercard offers free ATM withdrawals up to 400 Euros per month.

Unlike other cryptocurrency cards that offer perks, Wirex does not require a minimum balance to earn rewards. Wirex has a new feature, X-Accounts which offers users the ability to earn up to 16% interest on fiat and up to 10% interest on BTC and ETH.

Best for Cashback : BlockFi

Fees: $200 annual fee
No. of Crypto Supported: 1
Rewards: 1.5% cashback, 3.5% cashback in months 4-6

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Why We Chose It

BlockFi is a good choice for customers looking for a Bitcoin debit card with generous cash back. The card earns a flat 1.5% cash back, plus 3.5% cashback in months four to six.

Pros & Cons

Pros

1.5% cashback
3.5% cashback in months 4-6
$250 Bitcoin for spending $3,000 in the first 3 months

Cons

$200 annual fee
Only supports Bitcoin

Overview

Cryptocurrency wealth management company BlockFi will launch the first Visa Bitcoin credit card in the Spring of 2021. Instead of drawing on cardholder's Bitcoin holdings, the card offers 1.5% cashback per purchase in Bitcoin with bonus Bitcoin rewards making it our choice as the best for cashback.

BlockFi's card has a credit limit like any other credit card and can be used to make purchases wherever Visa is accepted. As a signup bonus, new cardholders will get $250 in Bitcoin if they spend $3,000 within the first three months. The card also offers 1.5% cashback on every transaction which is converted to Bitcoin and placed in the cardholder's BlockFi account. This bonus increases to 3.5% in months four to six of card ownership up to a maximum of $100.

BlockFi also offers a bunch of other nice bonuses, including 2% extra APY on stablecoins stored in a BlockFi Interest Account (paid in Bitcoin up to $200), 0.25% back in Bitcoin on eligible trades (up to a maximum of $500 each month), and $30 in Bitcoin for every client referral. BlockFi also charges an annual fee of $200 for its card.

Best for U.S. Residents : BitPay

Fees: 3% foreign transaction fee, $2.50 ATM withdrawal fee
No. of Crypto Supported: 6
Rewards: None

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Why We Chose It

BitPay is our top pick for cryptocurrency enthusiasts living in the U.S. The card features no exchange fees in the U.S. and can be used anywhere MasterCard is accepted.

Pros & Cons

Pros

Available in all 50 states
Can be used anywhere in the world
No conversion fees within the U.S.

Cons

Social Security number and driver's license needed to apply
Can't ship card to a P.O. Box

Overview

While many Bitcoin debit cards are only offered in Europe, Bitcoin payments processor BitPay launched a U.S.-only debit card in 2016. With support for major currencies, no exchange fees in the U.S., and a large maximum account balance, it's our choice as the best for U.S. residents.

The BitPay card supports six major cryptocurrencies, including Bitcoin and Ethereum, as well as eight different fiat currencies. The card can be used anywhere MasterCard is accepted and to withdraw cash from MasterCard-supported ATMs. BitPay supports Apple Pay and added a new virtual card option for those that do not want or need a physical card.

BitPay charges no transaction fees for purchases made within the U.S. but does charge 3% to cardholders traveling abroad to cover the cost of currency conversion. There is also a $2.50 fee to withdraw cash from an ATM. Finally, Bitpay charges no conversion fee to load the card, although network and miner fees may apply.

The BitPay card has higher transaction and balance limits than other cryptocurrency cards, allowing cardholders to load or spend up to $10,000 per day, make three $2,000 ATM withdrawals per day, and hold a maximum balance of $25,000.     

BitPay will not ship cards to a P.O. Box, and applicants need to provide a driver's license and Social Security number.

Best Variety of Cryptocurrency Supported : Crypto.com

Fees: Starting at $650 for a card
No. of Crypto Supported: 90
Rewards: 2% cash back

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