7 Best Bitcoin Debit Cards in 2020 (That work)

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So you are wondering what the best Bitcoin Debit Cards are?

I get it. With so many Bitcoin debit cards that turned out to be frauds or that never delivered, that is a great question to ask oneself.

One example of this is the ICO “Centra”. It claimed to have partnerships with Visa and Mastercard to create crypto debit cards, but those partnerships turned out to be false.

Thankfully, nobody lost money in that case because the fraudsters were quickly shut-down by the SEC.

However, it does show that you have to be very careful when picking a bitcoin card.

In this guide we review the best bitcoin and crypto debit cards to help you stay safe and find the one that suits you best. Let’s dive right into it!

CardMonthly feeCashbackGet
wirex debit cardWirex$1.500.5%
cryptopay debit cardCryptopay$1
uquid debit cardUquid$1
crypto.com debit cardMCO VisaZero1%
bitpay debit cardBitpay$5
revolut debit cardRevolutZero1%
spectrocoin debit cardSpectrocoin$1

Wirex Popular

wirex debit cardLike many Bitcoin debit cards, the Wirex card is only available in a select few countries, namely those in the European Economic Area (EEA).

However, Wirex does offer an online-only account to users in most countries, though the United States and China are excluded.


  • 0.5% BTC cashback on in-store purchases
  • Extremely low monthly fee
  • Generous spending limits

  • Limited features
  • Unclear commission rate on currency exchanges
  • ATM withdrawals are not free

Wirex is one of the few Bitcoin debit cards to offer Bitcoin rewards on every in-store purchase, providing users 0.5% through its Cryptoback™ service. There are no limits to how much cashback you can earn, and no additional fees for the service.

As one of the cheaper solutions around, Wirex doesn’t offer quite so many features as some of its competitors, but with a monthly management fee of just $1.50, the Wirex card offers excellent bang for the buck.

wirex bitcoin debit card

The Wirex app is available for both Android and iOS, and allows Wirex customers to manage their finances and track payments, and can also be used to freeze the associated Wirex card should it be lost.

Wirex works just like a regular debit card, allowing you to spend your money in store and online anywhere that accepts Visa. Note that Wirex charges up to $3.00 for ATM withdrawals, though this is slightly lower in the EEA.

The card features generous spending limits at $10k per day, though maximum ATM withdrawals are capped at £/€/$250 per day.

If you are somebody looking for a no-fuss solution to spend your cryptos quickly, then Wirex is one of the best Bitcoin cards for you, as customers can instantly exchange and spend 8 different cryptocurrencies.

Supported cryptocurrencies include Bitcoin (BTC), Ethereum (ETH), Ripple (XRP) and Wollo (WLO).


cryptopay debit cardThe Cryptopay prepaid card is available in the UK, Singapore and Russia, as well as throughout much of Europe and is one of the oldest Bitcoin debit cards still in operation today.


  • Contactless support
  • Available in Russia
  • No forced KYC requirements

  • Higher fees than some of its competitors
  • Poor availability outside Europe
  • High setup costs

Like several other Bitcoin card providers, Cryptopay’s offering is available as either a plastic prepaid card, or a virtual card. If you are mainly concerned with online shopping, then the virtual card is likely your best bet, whereas the plastic card is for those looking to use their card for ATM withdrawals and in-store shopping.

bitcoin debit card cryptopay

To get your hands on a Cryptopay prepaid card, you’ll need to fork out $15 for the plastic version, whereas the virtual version will set you back just $2.50.

Both virtual and plastic Cryptopay prepaid cards can be ordered in GBP, EUR or USD versions, and have a $1 monthly fee used to maintain services.

cryptopay app

The Cryptopay card is also one of the few anonymous Bitcoin debit cards still available, though unverified customers are subject to somewhat small usage limits. KYC verification will be needed to massively increase, or remove many of these limitations.

For example, unverified EUR cards can send up to €1,000 online, withdraw up to €400 per day from ATMs, and load a combined total of €1,000 on the card.

Verified accounts on-the-other-hand, can send unlimited amounts online, withdraw €2,000 from ATMs daily, and have no maximum load value.

In terms of fees, both plastic and virtual cards have a 3% currency conversion fee, a 1% loading fee (deducted from deposits) and charge as much as €2.75 / £2.25 / $3.50 withdrawal fees, though this is slightly lower at domestic ATMs.


uquid debit cardThe Uquid Bitcoin debit card was launched with one goal in mind — to offer a truly no-limits Bitcoin debit card. UK customers, in particular, are best served by the Uquid card thanks to its disproportionately lower fees in the UK.


  • Supports over 90 cryptocurrencies
  • Available in most countries
  • No spending limits

  • Balance enquiries are not free
  • 18% deposit fee for loading via Paysafecard
  • Unavailable in the US

To order a Uquid card, you will need to first create an account on the website, after which you will be able to select from the card types available in your country.

Creating your online account is free, but issuing the physical card costs $16.99 / €14.99 / £9.99 depending on the currency of the card.

Uquid card

In addition to the issuance fee, Uquid cards are subject to a $1.00 monthly fee. Aside from this, Uquid also charge several usage fees, including a $3.00 withdrawal fee at international ATMs, and a 3% currency conversion fee.

As a stand out feature, the Uquid card offers truly unlimited usage, that means no maximum deposit or withdrawal limit, no monthly quotas and absolutely no spending limits. That being said, POS transactions under €80 will be charged a small fee.

Uquid’s offering is also one of the most widely available Bitcoin debit cards, being available in 174 different countries, with fast shipping included as standard.

uquid service

One of the ways Uquid’s card really stands out from the competition is the sheer number of digital assets it supports — being compatible with 90 different altcoins, including Bitcoin Cash (BCH), Ethereum (ETH), Litecoin (LTC) and dozens of ERC20 tokens.

Overall, the Uquid card is one of the more expensive options on our list, but its wide availability and excellent altcoin support make it ideal for those looking to make better use of a diverse portfolio of cryptocurrencies.

MCO Visa

crypto.com debit cardOne of the newest entries to this list is the MCO Visa debit card — a card primarily targeting cryptocurrency customers who frequently travel and shop abroad.


  • No monthly fee
  • Generous free currency conversion limits
  • Up to 5% cashback on purchases

  • 6 month MCO lockup required for many benefits
  • Mandatory KYC verification
  • Only available in the US and Singapore

If you are somebody who likes to be pampered, then the MCO Visa card is about close as you can get to being pampered by a Bitcoin visa card — offering some of the best rewards available on any debit card, not just Bitcoin cards.

MCO Visa customers can earn upto 5% cash back on general purchases, and potentially 100% cashback on both Spotify and Netflix.

mco benefits

Rather than charging an increasing monthly subscription to qualify its rewards, the MCO Visa instead requires that customers ‘lock up’ crypto.com (MCO) tokens to qualify for premium rewards, with this lockup amount ranging from zero to 50,000 MCO.

Because of its high lockup requirements, the MCO Visa debit card can be considered a premium offering, since a total of 50,000 MCO (over $100,000) must be locked to benefit from the full range of features. That being said, even the lowest end card offers enough to make it worth ordering.

At the lowest end of the scale, the free Midnight Blue card offers a $200 monthly limit for free ATM withdrawals, whereas this increases to $1,000 for the Obsidian Black card. After exceeding the monthly limit, further withdrawals are charged a 2% fee.

mco card types

Cryptocurrencies loaded to the card will automatically be converted to US dollars, which can then be withdrawn at an ATM or used to shop online or in-store. The Obsidian Black card is also the only card on the market to offer unlimited free currency conversions at the interbank exchange rate.


bitpay debit cardSince its launch in 2016, the BitPay prepaid card is enjoyed by tens of thousands of users, much of which can be attributed to its low $9.95 order fee and no monthly charges.


  • ID verification required to purchase
  • Payments are free within the US
  • No monthly charges

  • Only available to US citizens
  • 3% currency conversion fee
  • $5 monthly dormancy fee

Currently, the BitPay Bitcoin Visa card is available for use in all 50 states, and the company has not announced plans to expand outside the US. Despite this, US citizens can use their card in most other countries, with Bitcoin payments being settled in the native currency.

bitpay card

To fund your Bitcoin visa debit card, you simply load it with Bitcoin, and this will be automatically converted into USD, allowing you to use the card in-store and online at any merchant that accepts Visa.

The card can also be loaded using through GreenDot or Western Union, costing up to $4.95 per load.

bitpay guide

In terms of usage fees, the BitPay Bitcoin visa debit card works best when used within the US, since there are no fees to pay on domestic transactions.

However, payments outside the US will incur a 3% currency conversion charge, while domestic and international ATM withdrawals are charged at $2, and $3 respectively.

One of the best features of BitPay is its mobile application, which allows you to easily manage your funds on the move, as well as make payments to other BitPay users through its integration with the BitPay secure wallet.

bitpay wallet app

As one of the simpler Bitcoin prepaid cards around, BitPay doesn’t include fancy features such as insurance or cashback, but does provide an entry-level card to help improve the spending power of your digital assets.

When it comes to fees, BitPay is reassuringly transparent with what it charges and when helping you avoid any nasty surprises that might otherwise sour your experience by providing guidance on how to minimize or avoid its fees in its full fee schedule.


revolut debit cardOne of the best-known Bitcoin debit cards comes from Revolut. With over 4 million customers and 250 million+ in transactions handled, Revolut is one of the biggest players in the industry.


  • Up to 0.1% cashback in Europe, and 1% cashback outside Europe
  • Generous allocation with free plan
  • Low 1.5% markup on crypto purchases

  • Modest selection of supported cryptos
  • Can only purchase, not spend cryptocurrency
  • Currently unavailable in the US, Canada, and Asia.

Revolut was initially launched in the UK, and that’s where it finds the majority of its customers. However, its services are also available throughout the European Economic Area (EEA), plus Switzerland and Australia.

Revolut is currently unavailable in the United States, but the company has opened up a waitlist for US customers, since the platform will be launching stateside later this year.

revolut card app

Currently, three different account types are available on the website: Standard, Premium and Metal. Standard plans are free, whereas Premium and Metal plans draw a £6.99/£12.99 monthly fee or €6.99/€13.99 in the EEA and A$13.99/A$22.99 in Australia.

All plans include a free current account and IBAN account and allow you to spend cryptocurrencies in over 150 countries worldwide at the interbank exchange rate. Accounts can be managed via the free Revolut app.

Standard plans allow you to withdraw up to £200 per day from an ATM without fees, this is increased to £400 with Premium plans, and £600 with Metal plans. Withdrawals beyond the free threshold will attract a 2% charge.

revolut card types

In addition, Premium and Metal plans include overseas medical insurance and priority support, whereas the Metal plan includes a concierge service and up to 1% cashback on card payments.

Currently, Revolut allows users to buy Bitcoin and four additional cryptocurrencies right through the Revolut card. These coins are Litecoin, Ethereum, Bitcoin Cash, and Ripple. For this service, Revolut adds a 1.5% markup to the final purchase price.

revolut cryptocurrency

Crypto balances can be transferred to other Revolut users free of charge, and can be converted back into fiat currency to be spent using the Revolut card — this process is not automatic.


spectrocoin debit cardLast, but certainly, not least is the SpectroCoin prepaid card, available for customers in almost 200 countries. Besides its prepaid card, SpectroCoin also offer a variety of other services, including an online wallet and exchange platform.


  • $1,500 daily ATM withdrawal limit
  • Unlimited POS & online transactions
  • Unlimited card balance for VIP accounts

  • Invasive KYC requirements for VIP accounts
  • Limited functionality
  • 3% currency exchange fee

SpectroCoin offers two card types: virtual cards charged at $9 each, and plastic cards at $50 each. Beyond the initial purchase cost, both virtual and plastic cards incur a $1 monthly fee.

spectrocoin card

SpectroCoin prepaid cards are funded using cryptocurrencies, which are automatically converted to fiat currencies when paying in-store or online. This process is automated if your funds are stored in your SpectroCoin web wallet, but must be set up first.

In terms of usage fees, SpectroCoin prepaid cards are not the cheapest on the market, charging a 1% fee to load the wallet using cryptocurrencies, while also levying a 3% fee for any currency exchanges performed.

spectrocoin features

When it comes to account limits, SpectroCoin separates its cards into two tiers: standard and VIP. Standard accounts can deposit up to $250 per day, and have a maximum balance of $2,500, whereas the deposit limit and maximum balance of Premium accounts is set at $5,000.

The SpectroCoin prepaid debit cards stand apart from other similar offerings thanks to their extremely high ATM withdrawal limits, allowing customers to withdraw up to $1,500 per day — more than most standard bank cards.

Overall, the SpectroCoin prepaid cards are best suited to cryptocurrency users looking for convenience and high transfer limits, albeit at the cost of general functionality.

What are Bitcoin Debit Cards?

After exploding onto the scene in 2009, Bitcoin quickly became a global phenomenon, thanks to its cheap and secure capacity to transmit value between people in just minutes.

However, despite the enormous popularity of Bitcoin during this time, BTC suffered from major liquidity issues, with it being both time-consuming and expensive to use BTC to pay for goods and services.

Beyond this, since very few popular retailers and merchants directly accept Bitcoin, Bitcoin owners typically need to “cash out” their BTC first, by selling it on an exchange and withdrawing the funds to their bank.

In order to solve this liquidity problem, several innovative companies took it upon themselves to bridge the gap between the cryptocurrency and traditional markets by bringing to market a Bitcoin debit card.

The first of these Bitcoin debit cards was released by Xapo in 2014 and allowed users to spend their Bitcoins just like cash at any online or offline merchant that accepts Visa. At the time, the Xapo debit card was heralded as the final piece of the puzzle needed to bring Bitcoin to the mainstream.

Since then, over a dozen companies have launched their own Bitcoin debit card, and further improved on the usability and functionality offered by first-generation cards, many of which include features such as contactless payments, automated billing and even cashback.

For the most part, Bitcoin debit cards allow customers to easily liquidate their BTC to fiat currency, which can then be spent in-store or online. The way this is achieved usually varies from brand to brand, but can be either automatically converted upon deposit, or manually converted as and when needed, usually via an associated app.

Despite the benefits, Bitcoin debit cards have had their fair share of issues over the years. Most prominently, companies that issued their Bitcoin debit cards via Wavecrest were forced to either shut down or suspend services as the payment provider had its Visa license revoked.

One of the companies hit worst by this issue is TenX, a company whose 0% fee Debit card was subject to repeated delays and negative media coverage after taking close to a year to reach its customers.

What are the benefits of Bitcoin Debit Cards?

If you are one of the increasing numbers of cryptocurrency enthusiasts looking to reduce or eliminate your reliance on centralized banks, then Bitcoin debit cards may just be the solution you are looking for.

Ability to easily spend crypto

Bitcoin debit cards enable you to easily spend your crypto, without having to go through cryptocurrency exchanges and banks.

Side-stepping banks

In many countries, access to financial infrastructure is severely limited, which is why Bitcoin is particularly popular in less economically developed countries. With the advent of Bitcoin debit cards, people in these countries can access previously unavailable services for the first time.

These Bitcoin debit cards provide users a way to easily convert Bitcoin, and often other cryptocurrencies into fiat currencies, which can then be spent in-store or online at anywhere displaying the Visa symbol.

Cashback and rewards

Like many standard debit cards, some Bitcoin debit cards now offer cashback options, allowing you to earn rewards on your purchases, which can amount to a significant sum if you use your debit card regularly.

Multi fiat currency support

In addition, many Bitcoin debit cards allow you to store several fiat currencies in separate accounts, allowing you to shop internationally without being lumbered with excessive currency conversion fees. This benefit also applies to cash withdrawals, helping you to withdraw a variety of different currencies without requiring a currency conversion.

Optional virtual cards

Several Bitcoin debit cards are available in a virtual form, meaning there is no physical debit card to carry around. These virtual accounts offer a level of freedom and flexibility simply not possible with a physical card, allowing you to manage your money wherever you are, typically via a mobile app.

Free services included

Finally, if you are somebody who likes to travel regularly, several Bitcoin debit cards include travel insurance and fraud protection, keeping you safe while abroad, while the as-and-when approach to currency conversion protects you against volatile local currencies.

Although we have noted just some of the myriad benefits of Bitcoin debit cards, we should point out that the industry is growing at a rapid pace, with new products and services launched on a regular basis, further improving the value of these cards.

What to keep in mind when looking for a Bitcoin Card?

Before buying a Bitcoin debit card, there are a few things that you need to keep in mind. See below for an outline of the key characteristics that we watch when reviewing a crypto debit card.


When it comes to selecting the best Bitcoin debit card for you, you should undoubtedly be looking only at options offered by established companies with a history of trust.

Unfortunately, since the Bitcoin debit card industry is fraught with stories of Bitcoin debit cards shutting down rather suddenly, it is important to ensure you are dealing with a company that knows what it is doing.


If you are simply looking to spend online, then a virtual Bitcoin debit card will probably suffice, but those looking to access their balance via an ATM will need a physical card, which may, or may not be available depending on your location.


People that buy Bitcoin debit cards often have more Bitcoin than fiat, and are therefore looking for a way to make better use of their funds. However, since some Bitcoin debit cards deduct a percentage on each deposit it is a wise move to examine the full fee schedule to find the one that is the most cost-effective based on your financial circumstances.

Geographic availability

Due to the uncertain regulatory landscape of cryptocurrencies, most Bitcoin debit cards are only offered in certain countries.

When choosing a Bitcoin debit card, USA customers, in particular, need to be particularly wary, since only a select handful of cards offer full functionality to US citizens.


Commonly, Bitcoin debit cards will market themselves as free, or low cost. This, however, tends to mean that the company makes its money elsewhere, such as charging extortionate exchange or deposit fees.  

If a deal looks too good to be sure, be sure to check out the card’s full fee schedule before ordering.

Multi-currency support

Lastly, the great majority of Bitcoin debit cards do exactly what they say on the tin — allow users to spend their Bitcoin via a debit card.

However, this functionality doesn’t always extend to other cryptocurrencies and is something you should definitely research first if you are looking to spend altcoins in a similar fashion.

Why are Bitcoin Debit cards essential for crypto users?

Back in November 2015, Coinbase launched their first Bitcoin prepaid card. The primary goal wasn‘t to provide their users with a fancy new card so they can spend money in a more sophisticated way. It was more about making the process of spending Bitcoin more efficient. 

Something as simple as making a Bitcoin transaction wasn‘t easy a couple of years back. For most of the new users, it still isn’t. That‘s why good platforms to manage your crypto and other gadgets which improve the user experience are crucial. They are crucial to making out of Bitcoin the currency we all want it to be.

First of all, BTC debit cards enable adoption. New users often exit the cryptocurrency space because they have trouble using the new technology. However, these cards run among userfriendly apps which avoids any kind of struggle for all the non-technical newcomers.

On the other hand, we shouldn‘t only keep in mind the newcomers. What about the tech-freaks which are addicted to innovation and have been supporting the technology for a while? Well, we also deserve a treat.

A Bitcoin Prepaid card can save users a lot of time and anxiety, which is spent on platforms such as MyCrypto, MyEtherWallet, etc. Some of them, such as the Wirex Bitcoin ATM card, make the process of fulfilling a transaction incredibly easy. Only a couple of clicks in your app, save you a lifetime of struggle on other perplexing platforms.

Bitcoin Debit Cards USA

So far, the US has taken a rather aggressive approach towards regulating bitcoin and cryptocurrencies. Hence, in order to stay on the safe side, many Bitcoin card providers do not do business in the United States.

Although this is a major inconvenience for people looking for USA Bitcoin debit cards, it’s not an unsolvable problem.

US citizens looking for a BTC debit card can use the BitPay Card to spend Bitcoin and other cryptocurrencies in the US.

Is there an anonymous Bitcoin Debit card?

Unfortunately, there are no anonymous Bitcoin Debit cards. The reason for this is simple: Bitcoin cards issuers like Wirex or BitPay need to stick to banking laws of the jurisdiction they are based in.

These banking laws require Bitcoin ATM Card issuers to require basic identity information of their clients. When ordering a Bitcoin card, users usually will have at the very least to submit an ID document like a passport or drivers license.

Hence, since all Bitcoin cards are connected to your identity, there are is no anonymous Bitcoin Debit card.

Which Bitcoin Debit card is best for you?

All Bitcoin debit cards reviewed in this guide are legitimate and work.

However, if you care about one specific characteristic over anything else, then you should make your decision based on the table below.

Key FeatureDebit CardGet
Many altcoinsUquid
Big cashbacksMCO Card

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