Best Crypto Debit Cards in 2024

crypto debit cards are all the rage and provide unprecedented ease of access to real-world goods and services for cryptocurrency users. With so much competition now in the space, it can be difficult to make a decision. Let's take a look at the best debit card for cryptocurrency in 2024.

<h2 class="wp-block-heading" id="top-5-crypto-debit-cards-2024-and-how-to-choose”>Top 5 crypto Debit Cards of 2024 and How to Choose

Before we get into the details of each card, let's explore how to choose the best card for you.

These are the main factors that people tend to consider when choosing a crypto debit card:

• Supported Cryptos
• Fee
• Rewards
• Jurisdiction and usability
• Normative compliance
• Other features

While many users are interested in crypto cards simply because they want to spend cryptocurrencies instead of fiat money on principle, the main draw of such cards is the ability to receive above-average cashback or access staking rewards.

It is important to take into account the The highest cashback levels on crypto cards are often reserved for multi-million dollar accounts. bet massive sums on the platform's native and volatile cryptocurrency. A realistic cashback amount to expect from a crypto card is 0.1% to 2%.

The average fee for converting cryptocurrency to fiat and loading it onto a crypto card is around 1.5% – 2%.

This crypto debit card comparison will focus on rewards for users who wager more modest sums. You will also take note of the reputation and level of regulatory compliance associated with each company.

1. Nexus

Nexo is our top pick on this list of crypto debit cards thanks to the fact that it offers a fairly robust ecosystem that allows users to take advantage of rewards and lending services.

Users can earn between 0.5% and 2% cashback, paid in native NEXO tokens. The highest level of redemption requires 10% of your portfolio to consist of NEXO tokens.

Users can also open lines of credit and earn high APY (over 10%) by lending USDT. It is worth mentioning that this practice is complicated and requires careful handling by the user. Card issuance and domestic transactions are usually free. Nexo is only available in the EU and is regulated within the EU. Supports 7 fiat currencies, including EUR, and over 40 cryptocurrencies.

2. Celebrated Saint

Holyheld is a fairly simple crypto debit card service, only available in the EU. Users can earn 0.5% to 1% cashback on transactions. The card supports a variety of cryptocurrencies and fiat currencies, including EUR and USD, providing flexibility for global transactions.

The first 100 transactions of each month are free, whether domestic or international, and after 100 transactions, Holyheld charges 2% + 1 EUR until the monthly cycle starts again. ATM withdrawals are also free up to a certain limit. Holyheld is regulated by the FCIS in Lithuania and complies with EU legislation.

The card is accepted on the Mastercard network and users can add it to their Apple Pay and Google Pay wallets.

3.Bybit

Bybit offers around 2% cashback to its users. While the company technically has a tier that allows up to 10% cashback, users would need to stake millions in the platform's currency to access this level of rewards while also taking on the volatility risk of their stake. .

The cashback system is also quite complicated, offering points that can be redeemed for bonuses, discounted rates, airdrops, nfts, and more, meaning it's not a simple case to receive 2% on transactions.

While the cashback isn't necessarily attractive, the card is accepted globally through the Mastercard network and charges no maintenance fees. ATM withdrawals cost 2% and cryptocurrency conversion via spend costs 0.9%. Supports 8 cryptocurrencies. Bybit is regulated, although French financial regulator AMF warned ByBit in February 2024 that its operations in France did not comply with the law.

4. Wirex

The card supports approximately 58 cryptocurrencies, including bitcoin, ethereum, Ripple, Tether, and USD Coin, as well as multiple fiat currencies such as EUR and GBP.

Wirex is regulated by several authorities, including the UK FCA and the Bank of Lithuania, ensuring strict compliance and security measures. As a Mastercard issue, it is accepted worldwide. Wirex charges 1% for each card transaction.

Wirex offers 1% cashback to users who lock around $900 worth of WXT for 180 days. However, rewards are capped at around $120 per month at the time of writing.

The 8% rebate announced on the project website requires a stake of around $45,000 in WXT, and the rewards are limited and restricted in several ways. The maximum transaction for a cashback reward is around $54 and requires a subscription to the Elite level within Wirex's complex subscription and fee system.

Unlike Nexo, Holyheld and Bybit, Wirex is available in the US.

<h2 class="wp-block-heading" id="5-crypto-com”>5. crypto.com

The crypto.com card supports over 80 cryptocurrencies, as well as fiat currencies such as EUR, USD, and GBP. The company charges 1% per reload and ATM withdrawal fees are free between $200 and $400 monthly, depending on service level, and 2% afterward.

Wagering requirements for cash back tiers and other offers range from $400 to $400,000 at the time of writing. As such, a realistic level of cashback that can be expected from the card is around 1%, although there is technically a 5% range. The card is issued by Visa and is available in the US, the UK and many countries in Africa, Asia, the Middle East and the EU. Users can also take advantage of services such as airport lounge access at higher card service levels.

Due to the low transaction fee of 0.75%, the card is often considered one of the best US crypto debit cards.

Frequent questions