Best Cryptocurrency Credit Cards

Are you looking for the best crypto credit cards for doing transactions? Check out the best crypto credit card you should use this year.

By The 'Staunch

Using crypto credit card is just one way you can spend your cryptocurrency investments in real life.

Different cryptocurrencies offer a lot of benefits for both individuals and businesses alike.

Businesses, in general, have a lot to gain by accepting cryptocurrency payments and as a result, some have become more open to the idea.

Customers and businesses face some difficulties when it comes to paying and receiving payments for goods and services using digital assets.

Fortunately, cryptocurrency credit cards seem to be the solution that investors are looking for, and recently, digital payments are quickly becoming a better and safer ground.

But, will these digital payments remain for long?

Let’s hope so.

Below is what crypto credit cards are… so let’s get started.

What is cryptocurrency credit card?

Crypto Credit Cards

Crypto credit cards can play a vital role in driving increased public adoption. They allow people to pay directly with crypto in stores and online, and thus become more familiar with the technology.

Other benefits of crypto credit cards include low conversion fees if you’re in a foreign country and the removal of a reliance on traditional banks for access to cash.

Best crypto credit card review

If you’d like a crypto credit card, keep reading to see some of the best cryptocurrency credit cards available online for you to use in almost all your transactions.

1. Nexo (Best recommended)

Nexo made a name for itself as one of the first companies to offer an instant, crypto-backed loans platform. It allows you to access your crypto’s value without selling the assets.

Nexo lets you take out a credit line in more than 45 fiat currencies. The credit is underwritten with your crypto assets; the amount of credit you can use out is proportional to the amount of crypto in your Nexo wallet.

As the value of the crypto changes, so too does the amount of credit you can take out. Nexo wallets are backed by Goldman Sachs and are SEO-approved.

There is no application, credit checks, or review process. All applications are guaranteed to be successful.

You also won’t find any minimum repayments; Nexo will automatically debit interest from your available balance. APR on your purchases starts at 5.9 percent.

Nexo accepts 23 different cryptocurrencies in its wallets. They include Bitcoin, Ethereum, Litecoin, EOS, Cardano, Stellar, Bitcoin Cash, NEO, and Ripple.

If you want 30 percent dividends, access to the Nexo payments card, and require bank withdrawals up to $2 million, you will need to work through an advanced verification process.

The card itself is issued through MasterCard. It provides instant cashback on all purchases, free additional virtual cards, and payments in local currencies.

2. Wirex

Wirex is another popular option for mostly the Europeans.

Founded in 2014, the London fintech firm was the first to release a contact-less, multi-currency Visa card and boasts over three million customers in 130 countries, having processed $2 billion worth of transactions.

Wirex’s slick light-green debit card supports conversion from several major cryptos, has native built-in utility token (WXT), and gives users 0.5% BTC on in-store purchases through its Cryptoback program.

There’s a modest card account maintenance fee of £1.00/€1.20/$1.50, with all other fees and limits broken down here.

Having achieved success throughout Europe and the APAC region, Wirex intends to expand into Canada, Japan and the U.S. in 2020.


The credit card (formerly called Monaco) offers five different Visa cards. The entry-level card is free and does not require you to deposit any of the company’s own Monaco (MCO) tokens.

Four other options are available for 50, 500, 5,000, and 50,000 MCO.

The MCO tokens are released back to you if you cancel your card in the future. The crypto credit cards offer some excellent perks for users.

Those perks include 100 percent cash back on your Netflix, Spotify, and Amazon Prime subscriptions, 10 percent cashback on Expedia and Airbnb bookings, and cashback of up to five percent, depending on which card you have.

The high-end cards also offer higher monthly free ATM withdrawal limits and more competitive exchange rates.

Like Nexo, the size of your credit line is determined by the amount of crypto you deposit in the app.

As a rough guide, $10,000 of MCO token is enough for a loan of around $6,000. $10,000 Bitcoin will give you a loan of about $4,000. There are no credit checks.

You can use you MCO Visa card to pay in more than 40 million shops and stores around the world.

4. TenX

The TenX Visa Card is one of the most popular crypto credit cards. Despite some early teething troubles (including a delayed release of a physical card in 2018), the company is now thriving.

Sadly, the availability of the TenX crypto credit card is limited. You need to live in the Asia Pacific region, Germany, or Austria. More countries are expected to be supported in the coming weeks/months.

With a few exceptions (mainly in Africa), the card will work in any store anywhere in the world that accepts Visa, including the United States

The card costs $15 to order and has a $10 annual fee if you spend less than $1,000 in 12 months. There’s also a $3.25 fee for every ATM transaction.

TenX allows you to make payments in Bitcoin, Ethereum, and Litecoin. The card relies on the TenX (PAY token) for its payment platform.

5. Monolith

Monolith—formerly known as Token—tries to offer its users a full-featured DEFI account.

If you create an account, you get a Visa debit card that’s connected to a non-custodial wallet, a way to swap and spend your tokens, interest on your assets, and even a sort code, account number, and European IBAN number.

One of Monolith’s unique features is payment splitting; you will be able to divide the cost of an in-store purchase across several of your crypto holdings by using the associated app.

When exchanging coins, you can enjoy market rates thanks to Monolith’s DEX aggregator. It works with UniSwap, Kyber, Bancor, 0x, Mesh, and EtherDelta.

To use the card, you will need to send your crypto to the company’s fully decentralized, ERC-20-compliant smart contract wallet. The company has no access to the funds in your wallet.

Two crypto credit cards are available through Monolith—GBP and EUR. Neither have a monthly fee, you get two free ATM withdrawals per month, and they have a daily spending limit of £7,500.

Monolith cards will work in any business that accepts Visa payments.

6. Bankera

Bankera is billed as a bank for the blockchain era.

Additionally, the company offers a wide spectrum of financial services, including a personal IBAN number, the ability to send and receive money, cross-border payments in multiple currencies, and AI budgeting tools.

The smallest loan you can take out is $25; the highest is $1 million. You can enjoy loan-to-value (LTV) ratios of 75 percent, and APR starting from 6.95 percent.

You can deposit Bitcoin, Ether, NEM, and Dash as collateral.

7. Blockcard

US-based BlockCard offers one of the best crypto credit cards on the market.

It is one of the only cards that lets you stay invested in crypto when you’re not spending (many cards with convert your assets to USD upon deposit).

BlockCard also supports payments through Apple Pay, Google Pay, and Samsung Pay. If you want to apply for a BlockCard, you will need to go through a KYC process.

8. Revolut

Revolut is a crypto card aimed at people who do a lot of international traveling. You can spend in more than 150 currencies.

If you withdraw more than $5,000 per month in cash, you will need to pay a 0.5 percent fee. Revolut’s card is also packed with security features.

You can freeze or unfreeze your card at will, enable/disable features such as contact-less payments and ATM withdrawals, and turn on location-based security that block payments originating from outside your permitted areas.

Final thoughts

Crypto credit card can make the process of spending digital assets very easier. After all, no one wants to jump through hoops selling their Bitcoin on an exchange to fund lunch or coffee.

If you want to use your tokens for everyday purchases, get yourself a cryptocurrency credit card and start spending those Satoshis today.

About the 'Staunch

Henry is the founder of Crypto Staunch. He studied accounting and finance at Godfrey Okoye University, but became a Cryptopreneur to pursue his interest in learning digital currency and asset investment. Since 2018, Henry Kings has writing about Crypto, DeFi & NFT to help other people get started in the space. His publications has been featured in Binance Square, Digest Africa, Tech Economy, International Business Times, CoinDesk and many other top Crypto media outlets.

If you appreciate my efforts, then gift me some coffee!

Binance Exchange

Reliable crypto exchange by a developer known as Changpeng Zhao, who's now retired as CEO.

Ledger Nano X

Ledger released Nano X hardware wallet in 2019 to help crypto enthusiasts secure their digital asset.

If you have any question, opinion or suggestion for the subject of a future article, please use our contact page to send us a message immediately. Thanks!

About The 'Staunch

Henry is the founder of Crypto Staunch. He studied accounting and finance at Godfrey Okoye University, but became a Cryptopreneur to pursue his interest in learning digital currency and asset investment. Since 2018, Henry Kings has writing about Crypto, DeFi & NFT to help other people get started in the space. His publications has been featured in Binance Square, Digest Africa, Tech Economy, International Business Times, CoinDesk and many other top Crypto media outlets.