There was a time, in the not-so-distant past, where the easiest way of turning your Bitcoin into local fiat currencies (USD, EUR, GBP) is through a crypto exchange.
Here’s how you do it: Go to a crypto exchange, sell your bitcoin, move your fiat currency (USD, EUR, GBP) into a bank account and finally you could spend your money.
Fast forward to the present day, it’s getting a lot easier to spend your crypto assets. More and more merchants accept bitcoin directly as a form of payment.
And one of the most notable inventions in the crypto space is bitcoin/crypto debit card.
This old-meets-new innovation acts as a bridge between the crypto space and the real world. It enables everyone to buy just about anything, even if the merchants don’t normally accept bitcoin.
With bitcoin debit cards, you can spend your bitcoin anywhere, anytime, anyhow as you like.
But…
You need to make sure you’re using card issued by a trustable, reliable and reputable company because they will handle the exchanging part and your personal information.
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There are various kinds of bitcoin debit cards available. With so many different features, fee structures and services, choosing the perfect card can be overwhelming.
So today, I’d like to discuss the most reliable Bitcoin debit card companies that allow you to spend your bitcoin freely.
The Best and Most Reliable Bitcoin Debit Card To Spend Bitcoin Easily Anywhere
| Card Type | Card Issuance Fee | US allowed | Availability | |
|---|---|---|---|---|
| Tap Global | Master | Free | ✓ | Worldwide |
| Crypto.com MCO Card | Visa | Free | ✓ | USA, Singapore,Europe, UK |
| Cryptopay Card | Visa | $15 | x | UK |
| Coinbase Card | Visa | £4.95 / 4.95 € | x | UK, Europe |
| Advcash Bitcoin Card | Master | $14.99 | x | Russia, Europe |
| Nexo Card | Master | Free | ✓ | Worldwide |
| Fold Card | Visa | Free (Premium) $21 (Basic) | ✓ | USA only |
1. Tap Global Prepaid Mastercard
- Supported Currency: Fiat currencies (USD, EUR, GBP) and cryptocurrencies (BTC, ETH, LTC, Huobi Token (HT), Tap Token (XTP)
- Mobile App: Yes
- Card Type: Master
- Anonymous: No
- Physical: Yes
- Virtual: Yes
- Pros: Free worldwide delivery
- Cons: No cashback function
Founded in 2017, Tap Global is a one-stop-shop for all your crypto needs. You can buy, sell, trade, receive, send, store and even spend your crypto assets within the Tap app.
With the Tap Global card, you can make purchases anywhere Mastercard is accepted and withdraw cash from ATM machines in over 200 countries around the world.
On Tap app, registering and ordering a physical prepaid card is Free. There’s no monthly fees.
Tap Global currently offers three different types of crypto cards that comes with different fees:
- Tap Free
- Tap Black Account
- Tap Titanium
| Tap Free | Tap Black | Tap Titanium |
| Instant Fiat Forex (1.5% Wallet to Wallet) | Instant Fiat Forex (1.0% Wallet to Wallet) | Unlimited free Forex FX (Wallet to Wallet) |
| £500 free ATM withdrawals per month (2% after) | £1000 free ATM withdrawals per month (2% after) | Unlimited free withdrawals at ATMs |
| 0.5-1.5% Crypto exchange fees (25% discount if fees paid with Tap) |
25% discount on Crypto exchange fees (increasing to 50% if fees paid with Tap) |
Cost price Crypto exchange fees |
2. Crypto.com MCO Visa Card
- Supported Currency: Fiat (USD, GBP, HKD, EUR, JPY, SGD, AUD) and Crypto (BTC, LTC, ETH, XRP, PAX, TUSD, EOS & XLM)
- Mobile App: Yes
- Card Type: Visa
- Anonymous: No
- Physical: Yes
- Virtual: Yes
- Pros: Zero fees, Metal visa cards
- Cons: Only available to users in few selected countries
Formerly known as Monaco, CRYPTO.com is a cryptocurrency and financial services firm that offers the world’s first free metal crypto-linked Visa card with great rewards discounts, cash back and privileges.
While most Bitcoin debit cards are made of plastic, all MCO Visa Cards issued by Crypto.com are beautifully crafted, metal that come with both a magnetic stripe and a chip.
MCO visa card is currently available for users in Singapore, the United States, countries in Asia Pacific and European Union.
Crypto.com MCO Visa card stands out in a few ways.
Firstly, the metal card is totally free of charge.
- No annual fees
- No monthly fees
- No overseas transaction fees
- No cost ATM withdrawals
- No reward redemption fees
- No setup fees
- No hidden fees
There is no maximum or minimum deposit either. You may get free $50 for just signing up and passes KYC verification.
Not only that, Crypto.com card has a “crypto cashback” function. You can get up to 5% back instantly every time you spend. If you’re holding MCO token, its native coin, you can save maximum money and enjoy additional benefits such as:
- 100% rebate on Spotify, Netflix and Amazon Prime
- Airport lounge access
- Cashback on Airbnb and Expedia bookings
- Competitive interbank rates
- Earn bonus interest
- and more
The best part is there’s no limit on how much you can earn with the crypto cashback.
Crypto.com offers five tiers of MCO Visa cards with different benefits and features:
Note: You can purchase MCO directly on Crypto.com and get free $50 on signup here or use referral code: heq9qnuzam
3. Wirex Bitcoin Debit Card
- Supported Currency: USD, EUR, GBP
- Mobile App: Yes
- Card Type: Visa
- Anonymous: No
- Physical: Yes
- Virtual: Yes
- Pros: Well-known company, Multiple coins supported, Cryptoback
- Cons: Available only for users in EEA (European Economic Area) and USA
Founded in 2014, Wirex was previously known as E-coin, is one of the most popular, reliable and secure Bitcoin debit cards out there.
Wirex is a Visa debit card that you can load BTC and use in shops and online or withdraw cash at ATMs anywhere Visa is accepted. Just like your regular debit card, you’ll get a bank account number and sort code too, making it easier to spend your money in your account.
Note: The GBP card is a Bitcoin Visa Debit Card. The USD or EUR cards are Bitcoin Prepaid Debit Card.
You can also download the Wirex app for free where you can manage, send and receive your money worldwide on the go.
They offer both virtual and physical debit cards that are linked to your Wirex currency account.
If you want to get a physical card, they even deliver the card for you within a week for absolutely free. No hidden fees and no delivery charge. *So grab this limited time offer while it lasts.
However, be aware that there’s a nominal monthly fee that you have to pay for account maintenance.
Pricing:
|
Card fee |
Free |
|
Inactivity fee |
Free |
|
Monthly service fee |
£1.00 / €1.20 / $1.50 |
|
Online Purchase fee |
$0.28 (Free for € and £) |
|
Offline Purchase fee |
Free |
|
ATM Transaction |
$2.50/€2.25/£1.75 |
|
Declined fee |
$0.07/ €0.06/ £0.05 |
What makes Wirex different from the other card providers is its crypto rewards program called Cryptoback.
It’s the first and only crypto debit card in the market that will give you 0.5% cash back in BTC on all in-store purchases made with the Wirex Visa card.
The best part is there’s no limit on how much you can earn with the crypto cashback.
This card is best for users from the UK and Europe with free international shipping for the card as well as the relatively low fees.
ID verification is required to order your Wirex card and thus it’s not anonymous.
4. Cryptopay Bitcoin Debit Card
- Supported Currency: USD, EUR, GBP
- Mobile App: Yes
- Card Type: Visa
- Anonymous: No
- Physical: Yes
- Virtual: Yes
- Pros: The oldest and most established company, Free worldwide delivery
- Cons: Higher fees
As far as Bitcoin debit cards go, Cryptopay has withstood the test of time. Founded in October of 2013, Cryptopay is one of the oldest cryptocurrency platforms that offer bitcoin debit cards.
Cryptopay acts a payment and wallet platform where consumers and merchants around the world can transact with each other.
You can order a physical card with a chip and pin or a virtual card for online shopping.
The physical card costs $15 and is shipped for free worldwide.
You don’t have to complete any ID verification to apply for a Cryptopay card. But it’s not totally anonymous because you still need to provide your name and email address for registration.
One downfall is that Cryptopay has relatively high fees, you’ll be charged for loading money onto your account.
Physical card pricing and fees:
Virtual card pricing and fees:
5. Coinbase Bitcoin Debit Card
- Mobile App: Yes
- Card Type: Visa
- Anonymous: No
- Physical: Yes
- Virtual: Yes
- Pros: Seamlessly connects to your Coinbase crypto wallets.
- Cons: Only available in the United Kingdom and EU, Charges physical card issuance fee
If you’ve been in the crypto space for some time, you probably would have heard Coinbase, a very popular cryptocurrency exchange.
And it’s progressing unbelievably well, now it has a debit card, the Coinbase Visa Debit Card.
With the Coinbase visa card, you can easily and quickly spend funds from your Coinbase cryptocurrency wallet, anywhere in the world – without having to wait for withdrawals to hit your bank accounts.
As of writing, it’s available to residents in the following countries:
- Austria
- Belgium
- Bulgaria
- Croatia
- Cyprus
- Denmark
- Estonia
- Finland
- France
- Greece
- Hungary
- Iceland
- Ireland
- Italy
- Latvia
- Liechtenstein
- Lithuania
- Luxembourg
- Netherlands
- Norway
- Poland
- Portugal
- Romania
- Slovakia
- Slovenia
- Spain
- Sweden
- UK
If you are not seeing your country in the list, stay tuned. Coinbase is working on expanding the card offer to additional markets.
The visa card is connected to your Coinbase account. Whenever you make a purchase with the card, it will automatically withdraw the necessary amount of cryptocurrencies based on the dollar value of the transaction from your Coinbase wallet.
The card is available in both virtual and physical forms, allowing you to spend online and offline at over 38million Visa-accepting merchants worldwide
Sign up for a free Coinbase account, you can start using the Coinbase Card through the virtual card once you complete the KYC. While you’ll need to pay 4.95 GBP to get a physical card, and it usually takes between 5 and 7 business days for your plastic card to arrive.
The free Coinbase app makes it easy to manage your spend on the go.
You can use it to check account balances, transaction details, get instant notifications as well as track your expenses with spending receipts divided into multiple categories. For example, you can use your Bitcoin (BTC) balance to pay for server hosting, and Ethereum for groceries.
Pricing:
| Plastic Card Issuance Fee | £4.95 / 4.95 € |
| Annual Fee | $0.00 |
| Domestic Transactions | Free |
| Domestic ATM Withdrawals | Free: Up to £200 / 200 € per month
1%: Any amount over £200 / 200 € per month |
| International Transactions | 0.2% (inside EU)
3% (International) |
| International ATM Withdrawals | Free: Up to £200 / 200 € or currency equivalent per month
2%: Any amount over £200 / 200 € or currency equivalent per month |
| Card Replacement | £4.95 / 4.95 € |
6. Advcash Bitcoin Card
- Supported Currency:EUR, BRL, KZT, RUB, UAH and USD
- Mobile App: Yes
- Card Type: Master
- Anonymous: No
- Physical: Yes
- Virtual: Yes
- Pros: No monthly maintenance fee
- Cons: Charges physical card issuance fee, No mobile app
Advcash card is another easy and safe way to spend your crypto funds in shops and ATMs worldwide.
Advcash offer a few different types of cards in different currencies with slightly different fees and limits:
- Europe Virtual EUR -Create instantly and shop online in EUR and beyond.
- Europe EUR – Perfect for Europe, contactless payments, fast delivery.
- Russia Pro -Higher limits, contactless payments, low FX fee for travel.
- Russia Standard -Easy shopping in RUB, contactless, low FX fee for travel.
- Russia Virtual -Create instantly, shop online and via Apple Pay, Google Pay.
- Europe Virtual USD -Create instantly and shop online in USD and beyond.
- World– Great ATM limits, a global card perfect for USD payments.
- Europe USD– Great for international payments, contactless, fast delivery.
- World Plus -The best of the World card plus better FX fees for travel.
While there is no monthly maintenance fee, you’ll need to pay USD 14.99 to order a physical card (with free delivery).
Simply sign up for a free Advcash account, order multiple cards as you like and you can spend your funds on purchases without the need to withdraw funds to any bank account.
This card is best for users from Russia and EU with free international shipping for the card as well as the relatively low fees.
ID verification is required to order your Advcash card and thus it’s not anonymous.
7. Nexo Card
- Mobile App: Yes
- Card Type: Master
- Anonymous: No
- Physical: Yes
- Virtual: Yes
- Pros: Cashback, No hidden fees
- Cons: Nil
Nexo made a name for itself as one of the first companies to offer an instant, crypto-backed loans platform. It also offers a reliable and secure Bitcoin debit card service, in which you can spend your funds without selling your crypto assets.
Nexo is a Master debit card that you can load BTC and use in shops and online or withdraw cash at ATMs anywhere Master is accepted. Just like your regular debit card, you’ll get a bank account number and sort code too, making it easier to spend your money in your account.
You can also download the Nexo app for free where you can manage, send and receive your money worldwide on the go.
They offer both virtual and physical debit cards that are linked to your Nexo currency account.
If you want to get a physical card, they even deliver the card for you within a week for absolutely free.
Key features of Nexo Master Card:
- Freeze and unfreeze your Nexo Card with a single tap
- Create free virtual cards for safe online purchases
- Monitor all transactions in real-time and full detail
- View your PIN. Change it through the app if needed
- Enjoy cashback of up to 2% on all transactions
What’s more, you can use Nexo card for absolutely FREE:
- No hidden fees
- No account maintenance fees
- No inactivity fees
- No surcharges at point-of-sale payments
- No foreign exchange (FX) fees
- Supported Currency: USD
- Mobile App: Yes
- Card Type: Visa
- Anonymous: No
- Physical: Yes
- Virtual: Yes
- Pros: high yield rewards, bonus rewards (spin the wheel) after each purchase
- Cons: Only available to US residents
The Fold Card is another great way to earn free bitcoin every time you spend. Earning Bitcoin rewards using Fold Card is simple, fast and fun.
This prepaid debit card is backed by Sutton Bank. Once you sign up for Fold Card, you’ll automatically get an account number and a routing number from Sutton Bank.
Use your card anywhere Visa debit cards are accepted, in-store, online, in-app and over the phone.
The Fold Card works like cash, only better. With a Fold card, you get to enjoy an array of exclusive deals at select merchant, including:
- Amazon 5%
- Doordash 8%
- Uber 3%
- Starbucks 3%
- Lowes 4%
- Domino’s 9%
- REI 7%
- Nike 6%
What’s more, you can earn up to 3% cashback in Bitcoin for every dollar spent. Plus, all your rewards earned on Fold will earn a high yield 10% bonus annually.
Fold offers two types of Bitcoin rewards debit cards to suit your needs:
- Premium Fold Card: No activation fee, but there’s a $150/year fee. Get $50 free Bitcoin sign-up Bonus and better rewards.
- Intro Fold Card: $21 one-time activation fee. No annual fee.
Currently, Fold is in beta. You can join the waiting list here to get early access.
Which Bitcoin Debit Card Should You Choose?
Say now you’ve decided to get yourself a Bitcoin debit card, which card is best for you?
Here are few important questions to ask to help you make the best choice based on your needs.
- What’s the company background?
- Are they related to any scam or Ponzi scheme?
- Is the provider a well-established company or a brand new startup?
- If it’s a startup, is the company well funded?
- Does the provider have its own e-wallet or using a third-party service?
- Does the card provider support your country?
- How do their fees work? (Fees for card activation and delivery, ATM fee, loading fee, foreign transactions, monthly fee etc)
- Are the prices and fees reasonable?
- What documents do you need to provide to order a card?
You can be sure that the above-listed companies are highly reliable, offering top-notch services and great user experience. That said, however, I’d recommend you do your own research before ordering your first Bitcoin debit card.
Conclusion
Using Bitcoin Debit Card is a great way to spend your BTC, online and offline without worrying about huge currency conversion fees.
And I hope this review article would be helpful for you.
So what Bitcoin debit card do you use?
Also, do you have any favorite card that you’d like me to list here? Let’s hear your thoughts in the comments below!
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