#1Ca
Cashi
A basic crypto card
The start of a crypto card with its only benefit being its design choice.
Community Rated: No reviews yet
- FX spread Reported
- 0%
- Design
- fair FX fee and set up
No cashback $5 on affiliate Custodial
Ranking hub
Best FX rate crypto cards
Crypto cards ranked by the FX spread actually deducted on a live benchmark purchase, not the advertised rate.
Best FX Rate Crypto Cards
35 cards
Quick answer
#1 Cashi: 1.5% FX spread (independently verified), last verified 20 Oct 2026; #2 Krak: 0% FX spread (according to the card website), last verified 21 Oct 2026; #3 MiniPay: 0% FX spread (independently verified), last verified 28 Oct 2026.
#1
#2Kr
Krak
Kraken users in the UK, EEA, US - Not available in New York, Maine, Massachusetts, and Indiana.
Kraken's neobank-style card: IBAN salary deposits, multi-asset spending and integrated vaults.
Community Rated: No reviews yet
- FX spread Reported
- 0%
- Multiple funding methods, including IBAN salary deposits
- Monthly statements and a familiar banking interface
- Backed by a long-established, regulated exchange
0% (first cashback unlocks at $200 portfolio) 1 Month of MAX Tier Free Custodial
#3Mi
MiniPay
Beginners and non-technical users
A very cheap beginner-friendly self-custodial Visa card with a genuine 0% FX fee.
Community Rated: No reviews yet
- FX spread Reported
- 0%
- A genuine 0% FX fee, not a discounted markup
- Instant rewards plus a daily reward claim
- Simple enough for a first-time crypto user
5% cashback $0.10 + daily rewards. Non-Custodial
#4Se
Send
A great UI, a MiCa Compliant Card, and an incomplete system. Send almost gets it right.
Community Rated: No reviews yet
- FX spread Reported
- 0%
- UI Design
- Partners
- Self-custody
No cashback Self-Custodial
#5Gn
Gnosis App
European crypto natives
The most technically mature self-custodial card in Europe, with 0% FX fees.
Community Rated: No reviews yet
- FX spread Reported
- 0%
- 0% FX fee on card spending
- True self-custody through a Safe smart wallet
- MiCA compliant and PSD2 ready
5% cashback Self-Custodial
#6St
Stella Pay
US residents, Chinese applicants.
A US Ready crypto card. A standard, no bull, just use case.
Community Rated: No reviews yet
- FX spread Reported
- 0%
- US Ready
- Alipay integration
- WeChat integration
No cashback Custodial
#7Of
Offgrid
No KYC Fnatics
No KYC comes with a cost.
No-KYC card. Works in every country listed, but you carry the compliance and account freeze risk yourself.
Community Rated: No reviews yet
- FX spread Reported
- 0%
- No KYC Verified
- Instant card
- 0% Fx fees
No cashback Self-custody
#8Co
Coinbase Card
US Coinbase users who mainly spend USDC
Coinbase's Visa debit card: no card fees, variable crypto rewards, spread on every crypto swipe.
Community Rated: No reviews yet
- FX spread Reported
- 0%
- No card
- monthly or Coinbase ATM fees
- 0% international fee per cardholder agreement
Variable crypto rewards, rate shown in app (US only) Custodial
#9Ne
Nexo Card
EEA and UK holders who want to spend without selling their crypto
Nexo's dual-mode card: borrow against your crypto in Credit Mode or spend it in Debit Mode.
Community Rated: No reviews yet
- FX spread Reported
- 0.2%
- 0.2% weekday FX in Europe
- Credit Mode means no selling
- No card fees
0.5% in NEXO or 0.1% in BTC (Base tier, Credit Mode, $5,000+ balance) Custodial
#10Et
EtherFi
Everyday spending while your collateral keeps earning
The instant 3% cashback card. EtherFi does everything you need for a crypto card.
Community Rated: No reviews yet
- FX spread Verified
- 0.51%
- Highest instant base cashback in the test at 3%
- Spend against collateral that continues earning in a vault
- Cashback settles instantly rather than on a monthly cycle
3% instant Non-Custodial
#11Bi
Bitget Wallet
Self-custody with minimal setup friction
The most transparent Mastercard rails in the test, Assetback is great (Auto-DCA into BTC, Gold, USDC, Stocks)
Community Rated: No reviews yet
- FX spread Verified
- 0.51%
- Mastercard rate applied transparently, with the FX fee refunded
- Strong support for African markets
- Fully non-custodial Web3 wallet
Full FX fee refunded as cashback $5 after $5 spent Non-Custodial
#12Et
Ethena Pay
I've been testing Ethena Pay for the last couple of days, and it feels (almost) premium. It's in Beta, As soon as it's on Android and includes a few of its promised upcoming fea...
Community Rated: No reviews yet
- FX spread Reported
- 1%
- Non-USD FX Fee: 1% (cashback negates and beats this)
- 4% Cashback on all purchases is sweet (up to 5% w/Pro)
- UI is possibly the best among all cards I've tested
4% Non-Custodial (no option to see keys until deleting account
#13So
Solid
Everyday user, Corporate boss
A neat, high reward, low fee, neobank. This card targets your average user, and your corporate boss. Plus, you get $25 for signing up (after 3 purchases within 30 days)
Community Rated: No reviews yet
- FX spread Reported
- 1%
- High Cashback
- Negligible FX fee
3 $25 after 3X Card transactions above $50 Custodial
#14Pa
PayitFast
High spenders for luxury shopping, luxury travel bookings, dining & entertainment/events, software subscriptions (AI tools, cloud services, streaming services etc.) Freelancers, Digital Nomads, Influencers, anyone requiring regular cross-border payments, Luxury service providers.
Seamless payment infrastructure enabling digital assets to be used in the real world. Multi-currency accounts, virtual and physical cards accepted at Visa merchants worldwide, c...
Community Rated: No reviews yet
- FX spread Reported
- 1%
- Low $5 virtual card
- No deposit fee
- Single wallet/card balance
3% in USDC $10 USDT after spending $100 via referral Non-Custodial
#15Pl
Plasma One
Stablecoin holders who want to spend without giving up custody
Self-custodial stablecoin spending with vault yield built in. Best card for premium perks like lounge access, or AI cashback.
Community Rated: No reviews yet
- FX spread Reported
- 1%
- True self-custody
- Stablecoin yield with no lock-up
- Spend stablecoins directly with no conversion step
2 Non-custodial
#16XP
XPlace
Holders who want to spend against BTC, ETH or SOL rather than sell it
A crypto-backed credit line that lets you spend without selling your holdings.
Community Rated: No reviews yet
- FX spread Reported
- 1%
- Borrow against BTC, ETH or SOL instead of selling
- Global bank accounts in USD, EUR, GBP and BRL
- Holdings keep earning while the credit line is used
1% + 1% Non-Custodial
#17Pu
Pulsar
Global earners, travelers, freelancers and remote workers paid in stablecoins or multiple currencies
Global USD and EUR accounts with a Visa debit card, 1:1 stablecoin top-ups, fee-free EUR spending and a points-based rewards system, with an optional Pulsar Pro subscription.
Community Rated: No reviews yet
- FX spread Reported
- 1%
- Clean
- well-built app; points system is a unique angle; 0% stablecoin to EUR conversion is insanely good; fair cashback for free users; 1:1 stablecoin top-ups
0.5% in Points (Free, first $500, then 0.25%); 4% in Points on Pro First month of Pro paid back 100% in Points Non-custodial (as stated by Pulsar)
#18Oo
Oobit
Larger one-off transactions
The best true Web3 architecture in the test, undermined by a $0.25 minimum fee per spend.
Community Rated: No reviews yet
- FX spread Verified
- 1%
- Funds stay in your own wallet until the transaction authorises
- No preloading required
- Pay directly with Bitcoin
1% (up to 10% on tiers) Fee-free spending on up to $500. Non-Custodial
#19DP
DPT Pay
International users who need a US card BIN
A US-BIN card backed by BitGo custody and $250M of insurance.
Community Rated: No reviews yet
- FX spread Reported
- 1%
- US card BIN for broad merchant and platform compatibility
- BitGo custody with $250M of insurance
- $5 sign-up bonus offsets half the card cost
No cashback $5 (basically making the card cost $5) Custodial
#20Me
MetaMask Card
Self-custody users in Europe and LatAm who spend stablecoins in their home currency
Self-custody Mastercard from MetaMask: funds stay in your wallet until you tap, 1% to 3% back in mUSD.
Community Rated: No reviews yet
- FX spread Reported
- 1%
- Self-custody until the moment you pay
- Free virtual card with 1% back
- No fee on home-currency stablecoins
1% in mUSD (Virtual) Self-custodial
#21Av
Avici
Frequent travellers who can lock collateral
A $30 self-custodial secured Visa crypto card. My best usage comes from USD to USDC onramping. The card is aimed at frequent travellers: lounges, hotels and flight perks.
Community Rated: No reviews yet
- FX spread Reported
- 1.15%
- Account-abstraction architecture keeps collateral self-custodial
- Airport lounge access, hotel and flight discounts
- No gas fees and no ATM fees on the premium tier
No cashback Non-Custodial
#22Co
Coca Card
Everyday spending and subscription rebates
Non-custodial wallet, stablecoin cashback, and the strongest all-round economics in the test.
Community Rated: No reviews yet
- FX spread Verified
- 1.18%
- Up to 8% cashback, 50% off subscriptions and 5% APY on the paid tier
- 1% USDC cashback on all spend up to $10,000 a month
- Fully non-custodial wallet, funds stay under your keys
1% in USDC, paid on the 10th $10 - After $100 spend within 30 days (must use referral) Non-Custodial
#23Wi
Wirex One
A dependable secondary card
A decade-old operator with competitive FX, held back by token-denominated rewards.
Community Rated: No reviews yet
- FX spread Verified
- 1.18%
- Operating since 2014
- one of the longest track records in the sector
- Multi-currency accounts with real-time OTC conversion
0.5% paid in stables Self-Custodial
#24Te
Tevau Card
People who hold USDT and want a simple Visa card for online subscriptions and travel
USDT Visa card with virtual and physical options and a flat FX fee on non-USD spend.
Community Rated: No reviews yet
- FX spread Reported
- 1.2%
- Flat 1.2% FX on non-USD spend
- No monthly fee
- Apple Pay and Google Pay
None published Custodial
#25Ea
EasyOnRamp
South African users and businesses that need a regulated on and off-ramp (ZAR, USD, EURO)
Licensed South African treasury infrastructure for moving between fiat and stablecoins.
Community Rated: No reviews yet
- FX spread Reported
- 1.3%
- Free Physical Card
- Beginner friendly and fully compliant
- Licensed and regulated in South Africa
No cashback $10 (After R1000 top up) Custodial
#26Bf
Bfinance Card
Business and Business use.
A business and personal crypto wallet and card. No app yet, just a Telegram mini-app to handle everything you need. Bfinance is a crypto-fiat payment platform that allows busine...
Community Rated: No reviews yet
- FX spread Reported
- 1.5%
- Business options
No cashback Custodial
#27UP
UPay Wallet
Users in the Chinese market who want asset management and a card in one app
An all-in-one asset manager with eSIM top-ups and cards aimed at the Chinese market.
Community Rated: No reviews yet
- FX spread Reported
- 1.5%
- Digital asset management built into the same app
- eSIM purchases supported
- Credit facilitation and exclusive exchange rates
3% cashback Custodial
#28Wh
WhiteBIT Nova USD Card
WhiteBIT users outside the EEA who want to spend exchange balances and pick up category cashback
WhiteBIT's Visa debit card that spends straight from your exchange balance, with category cashback in BTC or WBT.
Community Rated: No reviews yet
- FX spread Reported
- 1.5%
- No opening, monthly, inactivity or cancellation fee
- Spends straight from the exchange balance
- Pick 3 cashback categories
Up to 10% by category, capped at $25 a month 5% cashback on first transaction (welcome bonus) Custodial
#29Ju
Jupiter Card
A decent crypto card for unique QR focused regions. If you're Cambodia, Indonesia, Laos, Malaysia, Mangolia, Philippines, Vietnam, or Thailand. This is for you.
Community Rated: No reviews yet
- FX spread Reported
- 1.8%
- QR Payment system is one of the most advanced in this space.
2% $20 after $2,000 spend Self-Custodial
#30Ka
Kast
Large USD and Solana-denominated spending
Solana-native and well built, but a flat micro-transaction fee punishes small purchases.
Community Rated: No reviews yet
- FX spread Verified
- 2%
- Solana-native top-ups with near-instant settlement
- Credit mode available
- No daily purchase limit
1.5%, locked for 14 days Custodial
#31Ka
KazePay
Privacy-focused users
A privacy-first aggregator offering eight card options, including no-KYC issuance.
Community Rated: No reviews yet
- FX spread Reported
- 2.17%
- High-privacy issuance available
- Choice of eight different card products
- Spend limits up to $1 000 000 per month
No cashback Non-Custodial
#32Ka
Karta
Telegram users who want lounge access at a low entry cost
Telegram-native card management with cheap access to airport lounges.
Community Rated: No reviews yet
- FX spread Reported
- 2.5%
- Card management built directly into Telegram
- Airport lounge access and premium perks at a low entry price
- Multi-chain stablecoin deposits
No cashback Non-Custodial
#33Re
RedotPay
A high-limit backup card
The most widely used card in South Africa: very high limits, no consumer rewards.
Community Rated: No reviews yet
- FX spread Verified
- 2.53%
- Asset Backed Credit
- Most trusted
- $100
No cashback Custodial
#34By
Bybit Card
Higher-volume Bybit users
A double-charge structure: 2% FX plus a 0.9% crypto conversion fee on top.
Community Rated: No reviews yet
- FX spread Verified
- 2.9%
- $10,000 daily and $50,000 monthly limits
- $10 airdrop after a 100 USDT deposit and card spend
- 100% off eligible subscriptions above 500 USDT monthly spend
2% paid in points Custodial
#35In
Infini
Businesses funding SaaS and ad spend with stablecoins
A capable corporate expense platform with strong yield, let down by a 3% FX fee.
Community Rated: No reviews yet
- FX spread Reported
- 3%
- API automation for bulk card workflows
- Admin-configurable spend limits per card
- 8% APY on flexible stablecoin savings
2% $5 Custodial
Side by side comparison
| # | Card | FX spread | Card cost | Base cashback | Custody | Setup time | Score |
|---|---|---|---|---|---|---|---|
| 1 | Cashi | 0% | Free | No cashback | Custodial | 7 minutes | 7.9/10 |
| 2 | Krak | 0% | $0 | 0% (first cashback unlocks at $200 portfolio) | Custodial | ~20 minutes | 8/10 |
| 3 | MiniPay | 0% | Free (Code Gated for now) | 5% cashback | Non-Custodial | ~8 minutes | 7.8/10 |
| 4 | Send | 0% | Free | No cashback | Self-Custodial | 5 minutes | 7.2/10 |
| 5 | Gnosis App | 0% | Virtual is Free; Physical Visa card is €30 | 5% cashback | Self-Custodial | 20 minutes | 6/10 |
| 6 | Stella Pay | 0% | Free | No cashback | Custodial | 1 Day | 5/10 |
| 7 | Offgrid | 0% | $49/yr - $197/yr | No cashback | Self-custody | Once you have a code, 5 minutes | 5/10 |
| 8 | Coinbase Card | 0% | $0 | Variable crypto rewards, rate shown in app (US only) | Custodial | Not rated yet | |
| 9 | Nexo Card | 0.2% | Free. Virtual needs $50 balance; physical free incl. shipping with Gold tier and $5,000+ portfolio | 0.5% in NEXO or 0.1% in BTC (Base tier, Credit Mode, $5,000+ balance) | Custodial | Virtual card activates almost instantly | Not rated yet |
| 10 | EtherFi | 0.51% | Free | 3% instant | Non-Custodial | ~8 minutes | 9.2/10 |
| 11 | Bitget Wallet | 0.51% | Virtual: Free | Physical: $49 processing & shipping | Full FX fee refunded as cashback | Non-Custodial | ~10 minutes | 7/10 |
| 12 | Ethena Pay | 1% | 0 | 4% | Non-Custodial (no option to see keys until deleting account | 10 minutes | 8.5/10 |
| 13 | Solid | 1% | Free | 3 | Custodial | 8 minutes | 7/10 |
| 14 | PayitFast | 1% | Virtual Visa Platinum $5; Physical PVC Visa Signature $50 | 3% in USDC | Non-Custodial | About 3 min (ID + face scan KYC) | 7/10 |
| 15 | Plasma One | 1% | Free, 30EUR for Physical | 2 | Non-custodial | 10 minutes | 7.4/10 |
| 16 | XPlace | 1% | Free | 1% + 1% | Non-Custodial | ~10 minutes | 8.5/10 |
| 17 | Pulsar | 1% | Free (Pro $10/month optional) | 0.5% in Points (Free, first $500, then 0.25%); 4% in Points on Pro | Non-custodial (as stated by Pulsar) | 5-10 minutes | 6.8/10 |
| 18 | Oobit | 1% | Free | 1% (up to 10% on tiers) | Non-Custodial | ~7 minutes | 8.2/10 |
| 19 | DPT Pay | 1% | $10 | No cashback | Custodial | ~8 minutes | 7.5/10 |
| 20 | MetaMask Card | 1% | Virtual free; Metal $199/year (replacement $99) | 1% in mUSD (Virtual) | Self-custodial | Virtual activates instantly | Not rated yet |
| 21 | Avici | 1.15% | Virtual Platinum is $15; Virtual Signature is $30/year; | No cashback | Non-Custodial | ~10 minutes | 6.8/10 |
| 22 | Coca Card | 1.18% | Free | 1% in USDC, paid on the 10th | Non-Custodial | ~8 minutes | 9.2/10 |
| 23 | Wirex One | 1.18% | Free | 0.5% paid in stables | Self-Custodial | ~12 minutes | 8.1/10 |
| 24 | Tevau Card | 1.2% | Virtual $20, Plastic $100 (one-time) | None published | Custodial | Virtual card issued in the app after approval | Not rated yet |
| 25 | EasyOnRamp | 1.3% | Free for Physical and Virtual | No cashback | Custodial | Multi-hour approval process | 7/10 |
| 26 | Bfinance Card | 1.5% | $1 (added straight to balance, so its free) | No cashback | Custodial | 10 minutes | 7.4/10 |
| 27 | UPay Wallet | 1.5% | $10 | 3% cashback | Custodial | 10 minutes | 6.5/10 |
| 28 | WhiteBIT Nova USD Card | 1.5% | Free | Up to 10% by category, capped at $25 a month | Custodial | Virtual card after KYC and card application in the app | Not rated yet |
| 29 | Jupiter Card | 1.8% | 0 | 2% | Self-Custodial | 10 minutes | 7.7/10 |
| 30 | Kast | 2% | $2 | 1.5%, locked for 14 days | Custodial | ~10 minutes | 6.3/10 |
| 31 | KazePay | 2.17% | $25 | No cashback | Non-Custodial | ~15 minutes | 5.8/10 |
| 32 | Karta | 2.5% | $5 | No cashback | Non-Custodial | 6 minutes | 6.4/10 |
| 33 | RedotPay | 2.53% | $10 | No cashback | Custodial | ~12 minutes | 7.2/10 |
| 34 | Bybit Card | 2.9% | Free | 2% paid in points | Custodial | Fast to apply, but heavily gated for South African applicants | 7.4/10 |
| 35 | Infini | 3% | 10 | 2% | Custodial | 20 minutes | 5/10 |
Best FX rate crypto cards, questions we get asked
Who ranks these cards
I'm Tristyn Pawson, founder of ConsistenC.xyz. Over the last five years I've worked on marketing, development and growth across five crypto cards and neobanks, building at least three of them from scratch.
Alongside that I've run in-depth research on 20+ crypto banks to understand what actually makes someone keep a card in their wallet. These rankings reflect that: which problems are tolerable, and which ones are genuine deal breakers.
- Years in market
- 5
- Cards built on
- 5
- Neobanks researched
- 20+