Cryptocurrency has grown from a niche idea into a major financial asset, shaking up traditional banking systems around the world.
While it’s often used as an investment, an increasing number of businesses and customers are open to using it as a form of payment.
That said, not every store or service accepts cryptocurrency directly. This challenge has led to the creation of special tools like Bitcoin debit cards, which make it easier to spend crypto in everyday life.
A Bitcoin debit card works as a bridge between a person’s cryptocurrency wallet and the businesses they want to pay.
When you use the card, it automatically converts the Bitcoin or other supported cryptocurrencies in your wallet into regular currency — such as U.S. dollars, euros, or pounds — that the business accepts.
It’s worth noting that not all Bitcoin debit cards operate the same way. Some have different fees, reward systems, or restrictions.
After reviewing 15 different Bitcoin debit cards, Investopedia concluded that Coinbase offers the best all-around Bitcoin debit card.
However, since people have different needs and preferences, the list also includes other top cards that stand out in specific areas such as low fees, cashback, and cardholder perks.
Below is our detailed list of the Best Bitcoin Debit Cards for August 2025:
- Best Overall, Best for U.S. Customers: Coinbase
- Best Low-Fee Card, Best Variety of Cryptocurrencies: Crypto.com
- Best for Cardholder Perks: Wirex
- Best for Cashback: ByBit
Important Notice
Investing in cryptocurrency, Decentralized Finance (DeFi), or Initial Coin Offerings (ICOs) comes with high risks.
Prices can be extremely volatile, and losses can be significant. Always speak to a qualified financial expert before making any investment or spending decision. This article is for informational purposes only and is not an investment recommendation.
Best Overall, Best for U.S. Customers — Coinbase
- Transaction Fees: Spread applied when buying, selling, or trading cryptocurrency
- Supported Cryptocurrencies: 696
- Cashback Rewards: Up to 4%
Why We Chose Coinbase
Best Overall:
Coinbase’s Bitcoin debit card earns the top spot thanks to its huge list of supported cryptocurrencies, competitive fee system, strong security features, and a reliable cashback reward program. On top of that, the company’s customer service is considered among the best in the crypto card market.
Best for U.S. Customers:
The Coinbase debit card is only available to customers in the United States, but that exclusivity comes with advantages. There is no card issuance fee and no annual fee. Plus, it can be used anywhere major debit cards are accepted, making it easy for American users to spend their crypto almost anywhere.
Pros:
- Supports 696 cryptocurrencies
- Competitive and transparent fee system
- Strong security and dependable customer support
Cons:
- Limited to U.S. customers
- Lower spending limits compared to some competitors
- Only available to existing Coinbase members
Best Low-Fee Card & Best Variety of Cryptocurrencies — Crypto.com
- Transaction Fees: Spread
- Supported Cryptocurrencies: 100+
- Cashback Rewards: Up to 6.5%
Why We Chose Crypto.com
Best Low-Fee Card:
Crypto.com offers five tiers of debit cards, all without annual or issuance fees. Depending on the tier, customers can enjoy free ATM withdrawals up to certain limits.
While there is a spread fee for transactions — common in the crypto card space — Crypto.com still offers one of the best low-cost options without cutting back on perks.
Best Variety of Cryptocurrencies:
Although some platforms support more than 100 cryptocurrencies in total, not all of them can be fully used with their debit cards. Crypto.com’s card, however, supports over 100 types of cryptocurrency without limiting rewards or benefits, making it ideal for users with diverse crypto portfolios.
Pros:
- Strong rewards with low costs
- Over 100 cryptocurrencies supported for spending
- Multiple card tiers to match different user needs
Cons:
- Not available in every country
- Lowest-tier card offers no rewards
- Charges extra fees for inactivity, top-ups, and card replacement
Best for Cardholder Perks — Wirex
- Transaction Fees: Spread
- Supported Cryptocurrencies: 37
- Cashback Rewards: Up to 8%
Why We Chose Wirex
Wirex stands out for its Cryptoback rewards program, which can give customers up to 8% cashback on purchases. This makes it a great option for frequent spenders who want high rewards. However, rewards are given in WXT tokens, so users need to be comfortable with that setup.
Pros:
- Generous rewards program (up to 8% in crypto)
- Helpful and responsive customer service
- Competitive fees
Cons:
- Low spending limits for U.S. users
- Card delivery fee applies
- Rewards only given in WXT, and users must maintain a WXT balance
Best for Cashback — ByBit
- Transaction Fees: Crypto conversion fee
- Supported Cryptocurrencies: 6
- Cashback Rewards: Up to 10%
Why We Chose ByBit
ByBit offers one of the highest cashback programs in the market — up to 10% depending on a customer’s VIP status. Rewards and rebates are available for spending on trading tools and entertainment services.
However, security concerns recently came into focus when, on February 21, 2025, CEO Ben Zhou revealed that hackers drained nearly $1.5 billion from the platform’s Ethereum cold wallet. Zhou confirmed the issue was isolated and stated that withdrawals were still operating normally.
Pros:
- Very high cashback and rebate rates
- Good spending and ATM limits
- Fair and competitive transaction fees
Cons:
- Only supports six cryptocurrencies
- Not available in the U.S.
- VIP program requirements can be steep
Why You Can Trust Our Recommendations
Investopedia has been providing expert reviews and financial education since 1999. Our team independently researches financial tools, including Bitcoin debit cards, to give readers unbiased and well-informed recommendations.
How We Selected the Best Bitcoin Debit Cards
Our selection process was based on an in-depth comparison of 15 Bitcoin debit cards against 16 key criteria. The most important factors were:
- Fees: 35% weight — We compared transaction fees, annual fees, issuance costs, and hidden charges.
- Offerings & Usage: 25% — We checked how many cryptocurrencies were supported and how the cards could be used.
- Availability: 12% — We looked at geographic restrictions and country coverage.
- Rewards & Benefits: 10% — We assessed cashback percentages, perks, and exclusive features.
- Security: 10% — We examined encryption, fraud protection, and storage systems.
- Customer Support: 8% — We reviewed responsiveness and customer satisfaction.
Through this process, we ensured our picks represent the best options for different types of cryptocurrency users — whether you want the most perks, the lowest fees, or the widest crypto support.
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