Crypto Cards: 2026 Comparison of Fees and Cashback
Compare the real cost, how they work and the access conditions of crypto cards.
Our No. 1 KYC crypto card is the OKX Card: a virtual Mastercard linked to OKX Pay, with no issuance or annual fees, a 0.1% spread and 2% cashback (non-VIP) on USDG payments, capped each month. It only pays from stablecoins (USDC, USDG).
Next come EtherFi Cash, RedotPay, Krak (Kraken) and Gnosis Pay. We compare the real cost (issuance, subscription, spread, currency exchange, withdrawals), cashback, limits and custody of funds: an account with the provider or a personal wallet.
Crypto cards ranking
| # | Service | Type | Best for | Cost | Key terms | Custody | Checked on | Source |
|---|---|---|---|---|---|---|---|---|
| 1 | OKX Card | Prepaid cards | Virtual Mastercard linked to OKX Pay: your USDC or USDG are converted to euros at the time of payment. | €0 issuance, no annual fees · 0.1% spread | No FX fees. 2% (non-VIP) to 10% (VIP 4+) cashback on USDG payments, with a monthly cap. | OKX Pay · virtual card | Source | |
| 2 | EtherFi Cash | Self-custody cards | Spend from an ether.fi Safe, as debit or as credit backed by your crypto. | Annual fees not confirmed | FX margin from 0 to 0.5% depending on tier, above about 1%. ATM: $1,000 per withdrawal, $5,000 / 24 h. | Safe ether.fi · debit or credit | Source | |
| 3 | RedotPay | Prepaid cards | Choose between a virtual card and a physical card funded with crypto. | Virtual $10 · physical $100 | Payment, conversion and withdrawal fees may apply according to the fee schedule. | Balance managed by the provider | Source | |
| 4 | Krak | Crypto debit | Mastercard from the Krak (Kraken) app to spend euros or crypto, with cashback based on the average balance. | No annual or monthly fees | Cashback 0 to 2% depending on the 30-day average balance, no monthly cap. No Krak fee for ATM withdrawals. Replacement: €4.99. | Krak account · virtual and physical | Source | |
| 5 | Gnosis Pay | Self-custody cards | Payments from a Safe smart account with identity verification. | Free ordering according to the card help page | Country, program and FX fees to confirm before signing up. | Safe Smart Account | Source | |
| 6 | MetaMask Card | Self-custody cards | Spend from your wallet via payment authorizations. | Free: $0/year · Metal: $199/year | Free: cross-border 1%, ATM 2%. Conversion: 0% on local stablecoin, 0.875% on other crypto. Metal: no cross-border fees. | Personal wallet · delegated funds | Source | |
| 7 | Nexo Card | Debit and credit | Choose between spending your balance and borrowing against your crypto. | No monthly, annual or inactivity fees | FX in the EEA / UK / Switzerland: 0.2% on weekdays, 0.7% on weekends; rest of the world: 2% / 2.5%. Virtual: $50 balance; physical: more than $5,000 and Gold tier. | Nexo account · debit or credit | Source | |
| 8 | Sovrae | Prepaid cards | Virtual or physical card, positioned around privacy. | Virtual $89 · 2% top-up | Physical: $349 plastic or $499 metal · 1.5% top-up. Issuance fee, not available balance. | Balance held at card providers | Source |
OKX Card
Virtual Mastercard linked to OKX Pay: your USDC or USDG are converted to euros at the time of payment.
Watch out: Payment only from stablecoins (USDC, USDG); cashback by tier and caps.
EtherFi Cash
Spend from an ether.fi Safe, as debit or as credit backed by your crypto.
Watch out: Credit mode is a loan secured by assets. Check FX fees by tier.
RedotPay
Choose between a virtual card and a physical card funded with crypto.
Watch out: Issuance fees can’t be used as payment balance; check restrictions and conversion fees.
Krak
Mastercard from the Krak (Kraken) app to spend euros or crypto, with cashback based on the average balance.
Watch out: No transaction fees shown, but a spread is included in the crypto sale price. Funds held by Kraken.
Gnosis Pay
Payments from a Safe smart account with identity verification.
Watch out: Self-custody and KYC coexist. The main site now also presents the infrastructure for partners.
MetaMask Card
Spend from your wallet via payment authorizations.
Watch out: Self-custody doesn’t make purchases anonymous. Watch permissions and cross-border fees.
Nexo Card
Choose between spending your balance and borrowing against your crypto.
Watch out: Credit mode is a loan secured by assets, with liquidation risk and interest.
Sovrae
Virtual or physical card, positioned around privacy.
Watch out: The no-verification pitch doesn’t override the contract: identity, address and source of funds may be requested (art. 3.2).
How to choose a crypto card
- The real cost
- Fees hide in everyday use: a spread on every payment, plus currency exchange, top-up and ATM withdrawal fees. A spread of a few percent weighs more than an annual subscription.
- Cashback and its conditions
- Cashback often depends on your balance, tier or the asset used: at Krak, 0 to 2% depending on the average balance over 30 days; at OKX, on USDG payments, with a monthly cap.
- Custody of funds
- A custodial card spends a balance held by the provider; a self-custody card such as MetaMask Card or Gnosis Pay spends from your own wallet.
- Debit or credit
- The credit mode of Nexo or EtherFi Cash is a loan backed by your crypto, with a risk of liquidation.
- Countries and KYC
- All the cards on this page require identity verification, and the list of eligible countries varies: check it before ordering.
Frequently asked questions
What is the best crypto card?
In our ranking, the OKX Card comes first for its fees (€0 issuance, no annual fees, 0.1% spread) and its cashback in USDG. To spend from your own wallet, look at Gnosis Pay or MetaMask Card instead.
Custodial or self-custody crypto card: what is the difference?
With a custodial card, your funds are held by the provider, which can freeze them. With a self-custody card, you spend from your wallet through payment authorizations: you stay in control, but the card still requires KYC.
Does a crypto card have hidden fees?
Often in the spread: Krak shows no transaction fees, but a spread is included in the selling price of crypto. Also check currency exchange, top-up and ATM withdrawal fees.
Is a crypto card's cashback guaranteed?
No. It depends on your balance, loyalty tier or the asset used, and it is often capped. Do not treat it as a guaranteed return.
Useful guides
- No-KYC Crypto Cards: What You Need to Know : "No-KYC" crypto cards: how they work, EU limits on anonymous prepaid cards, issuer risks, account freezes and fees.
- The OKX card : The OKX Card works as a virtual card linked to your OKX Pay wallet. Conversion to euros happens in real time, at the exact moment of the transaction — this is what's called a "smart wallet" setup: your crypto stays in your wallet until the second you pay, with no manual conversion or top-up to plan ahead.
- The Kraken card (Krak) : Krak is the Kraken ecosystem's financial app, combining traditional banking services and crypto management. It comes with a Mastercard usable worldwide that lets you spend more than 400 different assets directly.
- The Gnosis Card : The Gnosis Card is a "self-custodial" Visa debit card: it runs on the Gnosis Pay network, which presents itself as the first decentralized payment network connecting traditional finance and decentralized finance.
- Crypto cards : frais réels et cashback comparés (FR)