Best Bitcoin Debit Cards for February 2025

• Transaction Fees: Spread when buying, selling, or trading cryptocurrency
• Cryptocurrencies Supported: 696
• Cash Back Reward: 4%

Best Overall

Coinbase’s Bitcoin debit card is Investopedia’s best overall choice. It wins this vital category due to its wide range of supported cryptocurrencies, competitive fee structure, commendable cash-back reward system, high-security standards, and excellent customer service.

Best for U.S. Customers

Coinbase’s Bitcoin debit card is also Investopedia’s top choice for U.S. customers. It’s important to note that Coinbase’s Bitcoin debit card is only available to U.S. customers. However, that’s not the sole reason why it won. In addition to being the best overall, prospective cardholders do not have to pay a debit card issuance fee or an annual fee. Although it’s only for U.S. customers, the debit card can be used anywhere.

Coinbase was founded in 2012 and is headquartered in San Francisco, California. It is one of the premier cryptocurrency exchanges in the world and offers many services, such as cryptocurrency trading, a cryptocurrency wallet, and staking. In addition to its services, Coinbase offers a debit card with excellent features and qualities that customers will want to consider.

For instance, the Coinbase debit card is fully secured and equipped with two-factor authorization, allows customers to change their PIN, and offers card-freezing capabilities. Also, transactions are encrypted. Further, customers can relish the flexibility of a card that can be used with 696 supported cryptocurrencies. Still, while Coinbase does not charge an annual or issuance fee to use its debit card, its transaction fee can be tricky to understand.

When using the Coinbase debit card to buy goods and services, a transaction fee in the form of a spread is applied when converting cryptocurrency to legal tender. This fee allows debit cards to be used at establishments that do not accept digital assets as an acceptable form of payment. However, that transaction fee varies depending on how large the transaction is. You should note that this type of fee structure is common. Many Bitcoin debit cards use a spread fee structure.

The card has some potential drawbacks. First, it can only be issued to U.S. Coinbase customers. Those customers can use the card anywhere in the world that accepts Visa. Second, the debit card has a low spending limit of only $2,500. Nonetheless, Coinbase customers get a 4% cash-back reward and excellent customer support if needed.

Read the full Coinbase Review

• Transaction Fees: Spread
• Cryptocurrency Supported: 100+ 
• Cash Back Rewards: Up to 6.5%

Best Low-Fee Card

The Crypto.com debit card is best for customers seeking a low-fee card without cutting back on rewards, benefits, or services. Customers can choose among five tiers of the platform’s high-quality debit card. While the benefits and rewards differ among the tiers, two constants are that customers do not pay any issuance or annual fees. Furthermore, depending on the card, Crypto.com allows free ATM withdrawals up to a specific threshold. While Crypto.com charges a spread for transaction fees, which is common for Bitcoin debit cards, it is still the best low-fee card.

Best Variety of Cryptocurrencies 

Crypto.com also wins for the best variety of cryptocurrency its debit card supports. While many other companies offer more cryptocurrency, not all are fully supported with their associated debit card; many come with limits. While this means more cryptocurrency can be used for transactional purposes, rewards and other benefits may be limited. With Crypto.com, over 100 different types of cryptocurrency are supported by its debit card without hindering any benefits or rewards.

Crypto.com was founded in 2016 and is headquartered in the Central Region of Singapore. Crypto.com offers the best Bitcoin debit card for low fees and also has the best variety of fully supported cryptocurrencies for users to consider. Crypto.com offers five-tiered cryptocurrency debit cards, ranging from Midnight Blue, which is the lowest-tiered debit card, to Obsidian, which is the highest. It’s important to note the higher the tier, the better the benefits and rewards. Crypto.com will have another tiered debit card, called Prime, which will come out on an undisclosed date, but customers can join a waitlist to receive it. However, each tier stage requires more Cronos (CRO) to be deposited for tier eligibility. For instance, a user who wants the Obsidian debit card will need at least $500,000 CRO to be eligible. 

Luckily, different tier levels will meet the needs of users. The Midnight Blue tier card is free for all users, but cardholders don’t earn any rewards. Users who start with the lowest tier card can easily upgrade to a more prestigious tier for free. All tiers are cost-effective and support over 100 cryptocurrencies. Customers are not charged an annual or a card issuance fee for any tier. However, with regard to transaction fees, spreads vary among tiers. In addition, Crypto.com also has TopUp, inactivity, and card replacement fees. Most card companies, including Crypto.com, assess various fees that generally differ between each company, but Crypto.com still wins the best in the low-fee category. 

Before applying, there are a few things to consider: Crypto.com debit cards are not available worldwide, although they are available in many countries and regions, such as the United States, Europe, the UK, Singapore, Australia, and Brazil, just to name a few, it’s best to check availability in your respective country. Depending on the card, free ATM withdrawal limits range between $180 and $900 on a monthly basis, but cardholders can withdraw more from an ATM for a fee. However, what really stands out regarding the Crypto.com card’s utility is its purchase limits. Cardholders can spend up to $4,400 daily and a yearly limit of $268,000.

Read the full Crypto.com Review   

• Transaction Fees: Spread
• Cryptocurrency Supported: 37 
• Cash Back Rewards: up to 8%

Wirex is the best Bitcoin debit card for cardholder perks due to its generous rewards program, referred to as Cryptoback. Customers can get up to 8% in rewards anytime they make a purchase with their Wirex debit card. However, bear in mind that rewards are offered in WXT. 

Wirex was founded in 2014 and is headquartered in London, England. Due to its robust cryptocurrency reward system, it’s Investopedia’s choice for cardholder perks. With a tier reward structure, customers can get rewards between 0.5% and 8% in WTX rewards on eligible purchases. However, eligibility for the 8% reward depends on the plan you have selected and your spending habits. Customers can choose to have a standard, premium, or elite plan and upgrade to a better one whenever they feel they are ready to meet the next reward tier requirements.

Aside from its reward system, the company also has a competitive fee structure. Customers can expect transaction fees to be applied as a spread. In addition, Wirex also charges a delivery fee for the debit card, and that cost depends on the location to which it’s being sent. For example, it’s free if it’s delivered inside the United States, but ironically, there is a £5 cost if shipped within the UK and a cost of €5 to €15 if sent anywhere else in Europe. Check to see what fee would apply to you. 

There are a couple of considerations to keep in mind: Wirex supports 37 cryptocurrencies, including popular ones such as Bitcoin, Litecoin, Ethereum, Ripple, Cardano, and Dogecoin. Make sure the coin you are interested in is available. Also, U.S. cardholders have low spending limits of $2,500 per transaction, $4,000 per day, and $10,000 per month. U.S. customers needing to spend more should consider other debit cards.

• Transaction Fees: Crypto conversion fee
• Cryptocurrency Supported: 6
• Cash Back Rewards: Up to 10%

ByBit is Investopedia’s choice for the best cashback rewards. Depending on the customer’s VIP status with ByBit, customers can earn up to 10% in rewards and rebates on trading tools and entertainment applications that are paid with the ByBit debit card. 

ByBit was founded in 2018 and is headquartered in Dubai, United Emirates (UAE), and is Investopedia’s choice for cash back. Customers will find that most, if not all, Bitcoin debit card companies have a reward system for using and spending crypto with their respective debit cards. However, what customers won’t find is another company that offers its customers the opportunity to earn up to 10% in rewards.

In addition, ByBit customers who use their debit card to buy specific services such as TradingView and ChatGPT and entertainment services such as Netflix, Spotify, and Amazon Prime can get a rebate, depending on their VIP status. It’s important to note that achieving VIP status requires a steep climb. Even for the lowest VIP tier, customers need at least a balance of $100,000 and $50,000, 30-day average net borrowing, and significant 30-day trading volume.

Customers who do not obtain VIP-level status can still get cash back, but it will be at the 2% rate with a monthly limit of $10. Regardless of whether the customer acquires VIP status, this is still a competitive card to consider. The card does not charge annual, inactivity, or card cancellation fees. However, depending on what you fund your debit card with, whether that is crypto or fiat currency, a foreign exchange fee or a crypto conversion fee is applied. 

The card also has a good spending limit, which varies depending on your geographical location. Keep in mind that ByBit only supports six cryptocurrencies, including Bitcoin and Ethereum. Unfortunately, the ByBit debit card is not available to U.S. citizens.