As global cryptocurrency infrastructure continues to mature, demand for real-world usability of on-chain assets is growing stronger than ever. Crypto debit cards—often referred to as "U Cards"—have emerged as a pivotal bridge between digital wealth and everyday spending. These innovative financial tools enable users to spend cryptocurrencies directly at physical and online merchants, turning blockchain assets into practical, liquid currency.
From cards tied to centralized exchanges offering cashback rewards, to decentralized wallet-based solutions emphasizing composability and self-custody, the landscape is diverse and rapidly evolving. To help users navigate this complex ecosystem, we’ve analyzed ten leading crypto debit cards—Bybit, Bitget, SafePal, Morph, Infini, Coinbase, Nexo, MetaMask, 1inch, and RedotPay—based on key factors including application requirements, supported assets, fee structures, cashback incentives, and integration with both traditional and decentralized finance.
Whether you're a frequent traveler, a DeFi power user, or someone seeking seamless cross-border payments, this comprehensive comparison will guide you toward the right card for your lifestyle.
👉 Discover which crypto card offers the lowest fees and highest rewards in 2025
Bybit Card: Exchange-Backed Convenience with Global Reach
The Bybit Card stands out for its ease of access and competitive fee structure. Users can choose between two regional versions: Australia and the European Economic Area (EEA).
- Choosing Australia means no address proof is required. Approval typically takes 5–7 business days, and the default currency is USD.
- The EEA version requires verified residency documentation (e.g., utility bill) and uses EUR as the base currency.
Both virtual and physical cards are managed directly within the Bybit app and support integration with Apple Pay and Google Pay, enabling contactless spending at any merchant that accepts Mastercard.
However, recent reports indicate that Australian-issued cards can no longer link to Alipay or WeChat Pay, likely due to abuse of promotional cashback programs. Some users note limited functionality via Alipay’s “Tap to Pay” feature, but success varies by account. In contrast, EEA-issued cards reportedly still work seamlessly with Chinese mobile payment platforms, making them a better option for users in Asia.
Transaction fees range from 0.9% to 3%, depending on location, currency, and network conditions. Additional intermediary fees may apply when using third-party platforms like Alipay. A notable consideration is foreign exchange conversion: if you spend in JPY while holding USD, the final cost includes the USD-to-JPY exchange rate spread.
Currently, new cardholders enjoy a 10% cashback promotion, significantly improving value during the introductory period.
👉 Compare real-time crypto card cashback rates and unlock hidden rewards
Bitget Card: High-Value Access for VIP Users
The Bitget Card, powered by DCS (DeCard)—a regulated Singaporean issuer—offers direct spending in USDT without annual fees. It supports both Mastercard and UnionPay, enhancing flexibility across regions.
Eligibility is restricted: only users who meet VIP status (typically requiring 30,000 USDT equivalent in assets) can apply. This makes it ideal for high-net-worth traders or active platform users.
Two variants exist:
- The official Visa card settles in USD.
- The more popular "Preferred Payment Card" on Twitter is a Mastercard/UnionPay hybrid denominated in SGD.
Both support Apple Pay, Google Pay, Alipay, and WeChat Pay, ensuring broad usability. According to user feedback, the card works smoothly wherever Mastercard is accepted.
Fees fall between 0.9% and 3%, influenced by transaction type and currency conversion. For example, spending USDT outside USD/SGD zones may trigger FX fees. Additionally, Alipay and WeChat charge their own fees on transactions over 300 CNY.
Bitget has announced upcoming BGB token cashback rewards, adding long-term utility for loyal users.
SafePal x Fiat24: A Full Banking Experience with Crypto Integration
Unlike typical exchange-linked cards, the SafePal Card—issued through partnership with Fiat24—provides users with a full international bank account alongside a Mastercard debit card.
To apply:
- Access the service via SafePal wallet (available in mainland China).
- Mint an identity NFT on Arbitrum using a small amount of ETH.
- Complete KYC verification.
Upon approval, users receive a multi-currency account supporting USD, EUR, CHF, and CNY as settlement currencies.
The card integrates with major digital wallets (Apple Pay, Google Pay, Alipay, WeChat) and charges a transparent 1%–3% fee, depending on transaction complexity. Notably:
- Outgoing transfers cost ~1%.
- Same-currency purchases incur no extra fees.
When the fiat balance runs low, the system automatically converts linked crypto assets to cover purchases—a seamless blend of DeFi and traditional finance.
Additionally, the Fiat24 account supports international wire transfers to banks and fintech platforms like Wise and Revolut, making it highly valuable for users managing cross-border finances.
This product goes beyond spending—it’s a holistic financial identity for crypto-native individuals.
Morph Black Card: Luxury Tier for Crypto Elites
The Morph Black Card targets high-net-worth users seeking premium financial privileges. As a physical black metal card, it symbolizes elite status within the MorphPay ecosystem.
Key benefits include:
- Up to 30% APY on staked deposits.
- Eligibility for future Morph Token airdrops.
- Access to exclusive perks via potential integration with Aspire VIP services, including luxury travel bookings and concierge support.
- A linked Singapore USD bank account.
- Daily transaction limit of up to $1 million.
- Low withdrawal/deposit fees starting at 0.3%.
It’s believed to be built on the DCS (DeCard) Mastercard network, possibly sharing infrastructure with Bitget’s financial products.
Recently, Morph launched the Morph Platinum SBT (Soulbound Token) for 0.3 ETH. Holders gain:
- Guaranteed allocation rights at a $50B FDV.
- 50% token unlock at TGE.
- A free one-year trial of Black Card benefits.
- Future issuance of the Platinum Card, another U Card with expanded privileges.
This card isn’t just about spending—it’s a gateway to an exclusive financial ecosystem.
Infini Cards: Tailored for Specific Spending Habits
Infini offers three virtual card options designed for distinct use cases:
Meow Card (Mastercard)
- Best for CNY-denominated spending.
- Flat 0.8% transaction fee.
- Cross-border conversion fee: 1%–1.5%, minimum $0.01.
Rabbit Card (Visa)
- Optimized for USD-based subscriptions: ChatGPT Plus, AWS, GitHub, Netflix, etc.
- Base fee: 0.8% per transaction.
- Non-US/non-USD transactions: **1% + $0.50**, min $0.01.
Both cards support binding to Alipay and WeChat Pay, ensuring smooth domestic usage. Notably, Infini openly confirms compatibility with OnlyFans subscriptions, addressing niche user needs.
An upcoming physical product—Woof Card—will expand offline capabilities and support Apple Pay/Google Pay.
Coinbase Card: Fee-Free Simplicity for US & EEA Residents
Backed by one of the most trusted names in crypto, the Coinbase Card delivers a frictionless experience for residents of the US and EEA.
Features:
- Spend USDC directly without converting manually.
- No fees on purchases or ATM withdrawals.
- Free conversion from fiat to USDC.
- Works globally via Visa network.
While it lacks aggressive cashback programs, occasional promotions enhance value. Its strength lies in simplicity and reliability—ideal for users already managing assets on Coinbase.
Not available to users undergoing KYC from mainland China.
Nexo Card: Europe’s Premier Crypto Credit Card
The Nexo Card, issued under EU/UK regulations, is one of the few true crypto-backed credit cards.
Benefits:
- Spend now, repay later—without selling assets.
- Earn crypto cashback: 0.5%–2% in NEXO tokens, or 0.1%–0.5% in BTC, based on loyalty tier.
- No annual or monthly fees.
- Supports EUR and GBP accounts.
Foreign exchange fees:
- 0.2% for EUR/CHF/GBP conversions.
- 2% for other currencies.
- Extra 0.5% weekend surcharge on foreign transactions—an unusual policy.
Perfect for European users wanting credit functionality with crypto rewards.
RedotPay: Visa-Based Flexibility with Binance Pay Support
Hong Kong-based RedotPay offers a rare Visa-powered crypto card, appealing to users preferring non-Mastercard networks.
Highlights:
- Direct integration with Binance Pay.
- No annual fee (but $100 one-time cost for physical card).
Transparent pricing:
- Transaction fee: 1%
- Non-default currency: +1.2%
- ATM withdrawal: 2%
Targets overseas users needing reliable cross-border payment solutions without relying on major exchanges.
MetaMask Card: On-Chain First for DeFi Users
Exclusive to the Linea network, the MetaMask Card lets users spend USDC, USDT, or wETH directly from their wallet.
Key traits:
- Connects to Apple Pay/Google Pay.
- Gas fee only ~$0.02 when using stablecoins.
- wETH payments add 0.875% swap fee.
- All transactions earn 1% USDC cashback.
- Full transaction history visible in-app.
Ideal for DeFi-savvy users already embedded in Ethereum’s ecosystem.
1inch Card: Borrow Stablecoins Against Crypto Collateral
Instead of direct spending, the 1inch Card enables borrowing stablecoins (USDC, USDT, EURT) against BTC or ETH collateral.
Advantages:
- Maintain exposure to appreciating assets.
- Borrow up to 60% of collateral value.
- Repay over 6–24 months; interest deducted automatically.
- Earn 2% crypto cashback on all purchases.
Fees:
- Spending: 2%
- Exchange/conversion: 1.75%
- Bank withdrawal: 3.49%
A powerful tool for strategic asset management—more than just a payment method.
Frequently Asked Questions
Q: Which crypto card has the lowest transaction fees?
A: The Coinbase Card often has zero fees for purchases and ATM use. For non-US users, Bybit and Bitget offer competitive rates starting at 0.9%.
Q: Can I use a crypto card in China with Alipay or WeChat?
A: EEA versions of Bybit and Bitget cards currently report better success linking to Alipay/WeChat compared to Australian variants.
Q: Do any crypto cards offer credit instead of debit?
A: Yes—the Nexo Card allows deferred payment like a traditional credit card, backed by your crypto holdings.
Q: Are there crypto cards available without KYC?
A: Most reputable cards require KYC due to regulatory compliance. Fully anonymous options are rare and often less secure.
Q: Which card works best for subscription services like Netflix or AWS?
A: The Infini Rabbit Card (Visa) is specifically optimized for USD-based digital subscriptions.
Q: Can I earn passive income with a crypto payment card?
A: The Morph Black Card offers up to 30% APY on deposits, while others focus on cashback rather than yield generation.
👉 See which crypto card gives you the highest cashback and lowest fees today