Question 1

Which crypto card has the lowest FX fees?

Accepted Answer

On our benchmark purchase Coca Card returned the lowest gross spread at 1.18% above mid-market, with EtherFi and Bitget close behind. Advertised rates rarely match the deducted amount, so we rank on the amount that actually left the wallet.

Question 2

Can you get a crypto card without KYC?

Accepted Answer

Every card in this ranking asks for identity verification before the card can spend. Self-custodial options such as Wirex and Oobit keep your funds in your own wallet until authorisation, but the card rails themselves are issued by regulated partners that require KYC.

Question 3

Is a crypto card custodial or self-custodial?

Accepted Answer

It depends on the issuer. Custodial cards hold your balance on their books and you preload them. Self-custodial and non-custodial cards, such as Wirex, Coca and Oobit, pull from a wallet you control at the moment of the transaction.

Question 4

Is crypto card cashback actually worth it?

Accepted Answer

Only when the cashback exceeds the FX spread you pay. A 2% cashback card with a 3% hidden spread still loses money. We publish net cost after cashback for every card so you can compare on the number that matters.

Question 5

Do crypto cards charge fees on small purchases?

Accepted Answer

Some do. Cards with a minimum fee per transaction, such as Oobit at $0.25, produce very high effective markups on coffee-sized purchases while staying cheap on large ones.

#	Card	Gross FX spread	Net cost on test	Base cashback	Custody	Setup time	Score
1	Coca Card	1.18%	$1.47 after cashback	1% in USDC, paid on the 10th	Non-Custodial	~8 minutes	9.2/10
2	EtherFi	0.51%	~$1.45, beats market after cashback	3% instant	Non-Custodial	~8 minutes	9/10
3	Bitget Wallet	0.51%	~$1.47, a perfect mid-market rate	Full FX fee refunded as cashback	Non-Custodial	~10 minutes	8.8/10
4	RedotPay	2.53%	$1.52, no cashback to offset	0%	Custodial	~12 minutes	7.2/10
5	Bybit Card	2.53%	~$1.49 after points	2% paid in points	Custodial	Fast, but heavily gated for South Africans	7/10
6	Kast	7.93%	$1.60, expensive on small tickets	1.5%, locked for 14 days	Custodial	~10 minutes	6.3/10
7	Oobit	17.5%	$1.74, very expensive on small spends	1% (up to 10% on tiers)	Self-Custodial	~7 minutes	5.9/10

Best Crypto Cards in the US

Cards available in United States

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