Top 5 Best Crypto Card of Interest in 2025 — with Pros, Cons, and Recommendations on Who Each One is Suitable for…

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What should you consider before using a Crypto Card?

Before we get into the rankings, let’s first explain that a crypto card is a credit/debit/prepaid card that allows you to pay for purchases or withdraw money using crypto (or convert crypto to fiat at the point of purchase). There are several types:

• Debit card – Use the money you have.
• Crypto-collateralized credit
• VIP / reward tiers that require staking tokens/coins/spending conditions, etc.

_{Things to consider:}

• Fees: Card issuance fee, Crypto→Fiat conversion, Foreign exchange fees, ATM fees
• Rewards / Cashback: What type of crypto will you get back? How much will you get?
• Convenience & ecosystem integration: such as integration with frequently used wallets/exchanges
• Security / Custodian vs. Non-Custodian
• Security / Custodian vs. Non-Custodian

Top 5 Best Crypto Cards of Interest

According to the latest data from many areas, top 5 best crypto card are the most outstanding with reasons.

No.1 Crypto.com Visa Card

The Crypto.com Visa Card is a prepaid card issued by Crypto.com, tied to a CRO token as staking/lock-up, offering benefits such as rewards, cashback, and privileges for higher-tier members.

Highlights of Crypto.com Visa Card

• Rewards / Cashback
  You will receive cashback/rewards in CRO tokens when you spend on your card in categories such as everyday purchases, travel spending, subscription rebates (e.g. Netflix, Spotify), etc.
• Multi-tier (card tiers / card-levels)
  There are different card tiers such as Midnight Blue, Ruby Steel, Jade Green, Royal Indigo, Icy White, Rose Gold, Obsidian, etc. Each tier requires different CRO token staking/lock-up requirements, and the benefits (cashback/free services/lounge access, etc.) vary according to the tier.
• No monthly/yearly fees (for some levels/when conditions are met)
  Some levels do not require annual/monthly fees if you stake your CRO coins as specified.
• Additional services / Rebate / Special privileges
  Such as rebates for subscriptions (Netflix, Spotify), airport lounge access, privileges to attend events, etc.

Weaknesses of Crypto.com Visa Card

• CRO tokens must be staked to earn tiered rewards; some countries may have issuance restrictions/variable fees; rewards are reduced on some tiers.

Who is the Crypto.com Visa Card suitable for?

Existing Crypto.com users want a card with good rewards and the ability to take advantage of staking.

No.2 Bybit Card

The Bybit Card is a debit/prepaid card linked to your Bybit account that allows you to spend directly with fiat or crypto. The system will convert crypto to fiat at the point of purchase as specified. If there is insufficient fiat in the account, it will withdraw from the user’s chosen crypto in the order (“preferred crypto”) and convert at a rate subject to a conversion fee.

Cards are available in virtual (used online) and physical (used in card-accepting stores, POS, contactless) formats, depending on the country and user requirements.

Highlights of Bybit Card

• Cashback / Rewards
  Earn cashback/reward points when you spend with your card, depending on the user’s VIP level — starting at ~2% and potentially going as high as ~10%.
• Multiple cryptocurrencies supported
  You can choose to use multiple cryptocurrencies such as BTC, ETH, USDT, USDC, XRP, TON, etc. as a reserve fund to pay in case fiat is insufficient.
• No annual fee / No monthly inactivity fee
  No annual fees or maintenance fees in many regions
• Virtual card issued immediately
  Once you have applied and your KYC is complete, you can use your virtual card for online payments.
• Supports contactless/online stores and POS
  Physical cards, if available, will support contactless use and be used at ≈ 90 million Mastercard-accepting merchant locations worldwide.
• Auto-Savings / Interest on balance
  There is a feature to “hold money” or keep it in an interest-earning account (APY) when not spent immediately (idle money).

Weaknesses of ByBit Card

• Country/region restrictions may apply; VIP/high spending requirements for maximum cashback; some may incur conversion/ATM withdrawal fees.

Who is the Bybit Card suitable for?

Traders on Bybit or use Bybit as their primary wallet and want a card that offers high rewards.

No.3 Wirex Card

Wirex Card is a debit/prepaid card linked to your Wirex account that supports both fiat and cryptocurrencies. It converts crypto to fiat in real-time when you make purchases (point-of-sale) or at an ATM, depending on country conditions. The card is available in both virtual (online) and physical (physical) versions, depending on local availability.

Highlights of Wirex Card

• Support multiple currencies
  You can hold multiple fiat currencies and cryptocurrencies in your Wirex account and choose which ones to spend, or have the system automatically convert crypto to fiat at the point of purchase.
• Cryptoback™ Rewards – Cashback in Crypto
  Get cashback in the form of WXT tokens when you spend on your card—the percentage depends on the plan you subscribe to, e.g. Standard / Premium / Elite, up to around 8%.
• No FX (foreign exchange) fees / No annual fees
  For many countries, Wirex has no fiat currency conversion fees or annual fees for using the card, if you are on the right plan and meet the conditions.
• Withdraw some money from ATMs for free
  There is a free monthly withdrawal limit (worldwide), such as approximately US$200 before fees start (in many countries).
• Control and security in the app
  There is a card lock/unlock system via app, identity verification (KYC), transaction notifications, etc.

Weaknesses of Wirex Card

• Some countries may have hidden fees; rewards may be lower compared to other card maximums; some tiers require conditions to be met to qualify.

Who is the Wirex Card suitable for?

People who regularly mix fiat + crypto and want a flexible, multi-sided card.

No.4 Nexo Card

Nexo Card is a crypto-backed payment card issued by Nexo in partnership with Mastercard/DiPocket in Europe (EEA). It features Dual Mode capabilities — switching between Credit Mode and Debit Mode within the Nexo app without having to sell your crypto when spending (in Credit Mode), allowing you to preserve your crypto assets while still being able to spend as usual.

Highlights of Nexo Card

• Dual Mode (Credit + Debit)
  Credit Mode: Use a credit line established by Nexo, using crypto as collateral to spend without selling crypto.
  Debit Mode: Use your fiat/stablecoin or crypto prioritized balance in your account to convert to fiat at the point of purchase, in the order you set.
• Cashback / Rewards
  Cashback is earned in NEXO tokens or in some cases Bitcoin depending on the Loyalty Tier (Base, Silver, Gold, Platinum). For example, Base might earn around 0.5% (NEXO) /0.1% (BTC) while Platinum earns higher.
• No annual or inactivity fees
  No annual account maintenance fee, no inactivity fee for cardholders.
• Credit limit & usage/withdrawal limits
  There are maximum purchase/spending limits (transaction/daily/monthly) such as up to approximately €10,000 per transaction/day/month depending on the mode and tier; ATM withdrawals have a free monthly limit based on the tier before fees are charged when the limit is exceeded.
• FX/Foreign Exchange Fees
  If spending in a currency other than the card’s currency (usually EUR or GBP), there is a conversion fee (FX fee), usually 0.2% on weekdays for EEA/UK/CH currencies and higher (~2%) for non-EEA/UK/CH currencies; if spending on weekends, there may be an additional ~0.5%.
• App control capabilities
  You can create virtual cards, freeze/unfreeze cards, change PINs, set crypto/fiat priority, monitor transactions in real time, etc.

Weaknesses of Nexo Card

• Interest/processing fees may apply if calculated on credit; region/availability restrictions apply in some countries; be careful if crypto prices drop significantly — collateral may be risky.

Who is the Nexo Card suitable for?

People hodling crypto want to use it instead of selling it, to reduce tax consequences or avoid selling at a low price.

No.5 KAST Card

KAST (sometimes referred to as “KAST Card”) is a payment card primarily focused on stablecoins such as USDC, USDT (and USDe), and is designed for crypto/Web3 users, frequent travelers, or those in countries where traditional banking is less accessible. KAST offers:

• Virtual card — a virtual card for online spending, linked to Apple Pay / Google Pay
• Physical card — A physical card used at Visa-accepting merchants, POS, and ATMs (depending on the country).

And there are different tiers to offer different benefits depending on the card level, such as K Card, X Card, Solana variants (Solana Card, Illuma, Gold, Solid Gold), etc. This means you can choose whether you want a regular card or a premium card with higher benefits.

Highlights of KAST Card

• Use stablecoins directly
  You can deposit USDC/USDT/USDe into your KAST account and spend directly — when you spend, the stablecoin is converted to USD (or the currency of your choice) in real time at the point of purchase, reducing your exposure to crypto price volatility compared to holding crypto that fluctuates in price.
• Cashback / rewards
  Every spend on the card earns “KAST Points” (which will eventually be converted to KAST tokens) as cashback depending on the card tier, with premium or “staking” tiers (based on SOL, if applicable) earning more rewards.
• There are many types/levels of cards.
  The main tiers range from the entry-level K Card, a Solana-only card (if you hold SOL) with a staking bonus, and a premium tier with additional features (more premium card materials, privileges, concierge service, etc.).
• International support
  Use your Visa card, which is accepted at many merchants worldwide (online/offline merchants).
  Partially supports Apple Pay / Google Pay
  Ability to deposit stablecoins across multiple blockchain networks (multi-chain)
• Can be used without a bank account
  Users can apply for/open a KAST account without a bank account in certain countries or situations, which helps people without access to banking better.

Weaknesses of KAST Card

• Premium tiers may have high fees; best cashback/perks require staking/holding large amounts of coins; some countries may not easily accept physical cards.

Who is the KAST Card suitable for?

People who are ready to invest (stake/hold) and want more perks than just regular cashback and use the card in multiple countries.

Top 5 Best Crypto Cards Summary

In 2025, the top five crypto cards are the Crypto.com Visa Card, which boasts perks and offers up to 5% cashback; the Bybit Card, which is easy to use and connects to your trading account with rewards of up to 10%; the Wirex Card, which supports multiple currencies and offers up to 8% cashback; the Nexo Card, which allows you to pay without selling crypto and offers cashback in BTC or NEXO; and the KAST Card, which allows you to directly use stablecoins and offers rewards of up to 12%, perfect for modern crypto users who want to connect their digital assets with their everyday spending.

Reference: Verster

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