The use of digital payment cards is on the rise, with the European Central Bank reporting a 16.5% increase in card transactions across Europe—surpassing $36 billion in just six months. As traditional financial habits evolve, the crypto world has responded by introducing innovative crypto debit and credit cards that allow users to spend Bitcoin and other cryptocurrencies seamlessly in everyday life.
At the same time, cashback rewards—a strategy long used by financial giants like American Express—are now being adopted by leading crypto platforms. These incentives not only attract users but also encourage broader adoption of digital assets. Even government-backed initiatives, such as Italy’s IO App, have demonstrated public interest in reward-based spending programs.
The crypto cards featured in this guide merge three powerful trends: everyday spending convenience, global acceptance via major payment networks, and lucrative cashback rewards—all while enabling direct use of Bitcoin and crypto holdings.
Gianluca Grossi – Editor-in-Chief, Criptovaluta.it
Below is our expert-curated list of the top 7 crypto cards for 2025, evaluated based on cashback potential, usability, security, and added financial benefits.
👉 Discover how to maximize your crypto spending power with high-reward cards
What Is a Crypto Prepaid Card and How Does It Work?
Crypto prepaid cards function like traditional debit or credit cards but are linked directly to your cryptocurrency holdings. They operate on widely accepted networks such as Visa and Mastercard, enabling you to spend Bitcoin, Ethereum, and other digital assets at millions of merchants worldwide—without requiring vendors to accept crypto directly.
Key Features of Crypto Cards
- Seamless Merchant Experience: For retailers, transactions appear as standard fiat payments (e.g., EUR), eliminating barriers to crypto adoption.
- Built-in Cashback Rewards: Earn a percentage of your spending back in crypto or stablecoins—often far more generous than traditional banking offers.
- Virtual & Physical Options: Many providers offer both physical and virtual cards, ideal for online shopping or mobile wallets like Apple Pay and Google Pay.
- Multi-Currency Support: Spend crypto or fiat interchangeably, with some cards offering integrated IBANs for bank-like functionality.
- Additional Financial Tools: Access staking rewards, crypto-backed loans, recurring purchases (DCA), and more—all from a single platform.
Top 7 Crypto Cards with the Best Cashback (2025)
1. Bybit Card – Up to 10% Cashback in USDT
- Type: Debit Card
- Network: Mastercard
- Cashback: Up to 10% in Tether (USDT)
- Annual Fee: Free
- Spending Limit: €250,000/year
- ATM Withdrawal: Up to €75,000/year
The Bybit Card stands out with the highest cashback rate in the market—up to 10% in USDT, paid monthly. Designed for active traders and long-term holders alike, it integrates seamlessly with the Bybit exchange, allowing direct spending from your wallet.
Why Choose Bybit?
- ✅ Industry-leading cashback with tiered VIP rewards
- ✅ Fully compatible with Apple Pay and Google Pay
- ✅ Free issuance and global shipping
- ✅ Virtual card available instantly
- ✅ Up to 8% APY on idle crypto balances
- ✅ High transaction limits suitable for heavy spenders
New users can claim a €15 bonus through promotional links—no prior account needed.
👉 Get your free crypto card with exclusive cashback rewards
2. YouHodler Card – Up to 5% Cashback
- Type: Hybrid Debit Card
- Network: Not publicly disclosed
- Cashback: Up to 5%
- Annual Fee: Free
YouHodler combines lending, trading, and spending into one platform. Their upcoming crypto card offers up to 5% cashback, targeting users who want both flexibility and yield on their assets.
Key Advantages
- ✅ Licensed in both Italy and Switzerland—rare dual regulatory compliance
- ✅ Access to crypto-backed loans without selling holdings
- ✅ Gamified savings and staking options
- ✅ Simple interface ideal for beginners
While full details on limits and network are pending, YouHodler's strong regulatory standing makes it a trustworthy choice.
3. Bitpanda Card – Up to 2% Bitcoin Cashback
- Type: Visa Debit Card
- Network: Visa
- Cashback: Up to 2% in BTC ("Cryptoback")
- Annual Fee: Free
- Daily Spend Limit: €10,000
The Bitpanda Card allows spending across all assets on the platform—including stocks, precious metals, and crypto—with cashback paid directly in Bitcoin. Higher-tier users unlock better rewards.
Standout Features
- ✅ Integrated with Apple Pay, Google Pay, Samsung Pay
- ✅ Real-time spending tracking via mobile app
- ✅ Supports recurring crypto purchases (DCA)
- ✅ New version launching in March 2025 with enhanced features
Ideal for investors already using Bitpanda’s diversified asset ecosystem.
4. Wirex Card – Up to 8% Cashback in WXT
- Type: Multi-Currency Debit Card
- Network: Visa / Mastercard
- Cashback: Up to 8% in WXT tokens
- Annual Fee: Free
- Daily Spend Limit: €30,000
Wirex has been a pioneer in the crypto card space. Its dynamic rewards system lets users earn up to 8% cashback, scalable based on account tier and token holdings.
Notable Benefits
- ✅ Supports over 130 cryptocurrencies
- ✅ Instant conversion at point-of-sale
- ✅ Full mobile app control: freeze card, set limits, view history
- ✅ Virtual card option for secure online transactions
Rewards earned in WXT can be converted or held for additional utility within the ecosystem.
5. Nexo Card – Up to 2% Cashback + Crypto Credit Line
- Type: Debit/Credit Hybrid
- Network: Mastercard
- Cashback: Up to 2% in crypto
- Annual Fee: Free
Nexo offers a unique dual model: spend existing crypto or access instant credit lines using your holdings as collateral—without selling them.
Why Nexo Excels
- ✅ Earn daily compounded interest on deposited assets
- ✅ Receive interest payments in NEXO tokens (with fee discounts)
- ✅ Virtual cards compatible with Apple and Google Pay
- ✅ Transparent fee structure and robust security
Perfect for users seeking liquidity without exit strategies.
6. Bitsa Card – Up to 15% Off at Partner Stores
- Type: Full Account Card (with IBAN)
- Network: Visa
- Cashback: Up to 15% discounts via marketplace offers
- Monthly Fee: €0.99 (Move) / €9.99 (Pro)
Bitsa functions more like a full neobank, offering an IBAN, bank transfers, and even accounts for minors. While direct crypto spending is limited, its integrated marketplace delivers substantial savings.
Unique Perks
- ✅ One of the few cards offering real IBANs in Europe
- ✅ Parental controls for teen accounts
- ✅ Supports up to 8 sub-cards with separate balances
- ✅ DCA plans for automatic crypto accumulation
Best suited for those transitioning gradually from traditional banking.
7. Coinbase Card – Spend Any Asset on Visa Network
- Type: Debit Card
- Network: Visa
- Cashback: Not currently available in Italy
- Annual Fee: Free
Backed by one of the world’s largest exchanges, the Coinbase Card lets users spend any asset directly from their portfolio—including stablecoins, BTC, ETH, and more.
Key Highlights
- ✅ Immediate access via virtual card upon approval
- ✅ Free ATM withdrawals globally (Visa-supported ATMs)
- ✅ Full control over which asset is used per transaction
While cashback isn’t live in Italy yet, future rollout is expected.
How to Choose the Right Crypto Card for You
Not all cards serve the same needs. Here’s a quick guide to match your goals:
💬 For Everyday Crypto Spenders
Prioritize high cashback rates and broad usability. Cards like Bybit and Wirex offer instant rewards and mobile integration.
💬 For Long-Term HODLers Seeking Liquidity
Look for platforms like Nexo or YouHodler that provide credit against your holdings—maintaining exposure while accessing funds.
💬 For Families & Financial Education
Bitsa supports minor accounts with parental oversight—ideal for teaching financial responsibility and early crypto exposure.
💬 For Maximized Rewards & Promotions
Check out cards tied to active ecosystems like Wirex or Bybit, where bonus campaigns frequently boost returns beyond base rates.
👉 Compare top crypto cards side-by-side and find your best fit
Pros and Cons of Crypto Payment Cards
| ✅ Pros | ❌ Cons |
|---|---|
| Spend crypto anywhere Visa/Mastercard is accepted | Conversion fees apply |
| Earn cashback in crypto or stablecoins | Not all cards offer fiat on-ramps |
| Access virtual cards & mobile wallets | Some lack IBAN or direct transfers |
| Use as collateral for loans (no selling required) | Limited availability of true anonymity (KYC required) |
| High APY on idle balances | Variable reward structures |
While no solution is perfect, the benefits increasingly outweigh the drawbacks—especially as infrastructure matures.
Frequently Asked Questions (FAQ)
Are crypto prepaid cards worth it?
Yes—for users who regularly hold crypto and want practical utility beyond speculation. With cashback, staking, and spending tools, these cards add real-world value.
Do crypto cards work internationally?
Absolutely. As long as the merchant accepts Visa or Mastercard—which covers over 200 countries—you can use your card globally.
Is my money safe on a crypto card?
Security depends on the provider. Stick with regulated platforms like YouHodler or Bitpanda. Remember: your crypto is held off-chain by the issuer.
Can I get a virtual crypto card instantly?
Most platforms—including Coinbase, Wirex, and Bybit—issue virtual cards immediately after sign-up, enabling fast online purchases.
Do I need to pay taxes on cashback rewards?
In many jurisdictions, yes. Crypto received as rewards may be considered taxable income upon receipt. Consult a local tax advisor.
Are there anonymous crypto cards?
Fully anonymous options are rare due to KYC regulations. All reputable providers require identity verification for compliance and security.
Final Thoughts
Crypto payment cards bridge the gap between digital asset ownership and daily financial life. As adoption grows and rewards become more competitive, these tools are becoming essential for anyone serious about integrating Bitcoin and cryptocurrencies into their lifestyle.
Whether you're after maximum cashback, family-friendly features, or advanced financial flexibility, there's a card in 2025 that fits your needs.
Choose wisely—consider fees, rewards, security, and usability—and make your crypto work harder every time you swipe.