Best Crypto Wallets with Debit Card in 2021

If you’ve been seeking the best crypto debit card, you’ve surely stumbled upon issues, so from now you’ll never encounter any, as Crypto-Auditor.com got a crypto currency debit card list!

Top 9 of Crypto Currency Debit Card by Crypto-Auditor.com

Coinbase
Expert Rating
Our rating 4.0
Support 24/7
Users Number 43M+
Benefits
Coinbase review
Exodus
Expert Rating
Our rating 7.6
Support 24/7
Cryptocurrencies 130+
Benefits
  • High security level
  • Convenient portfolio
  • User-friendly interface
  • Built-in crypto exchanger
  • Fast transactions
  • Trouble-free operation
Exodus review
Author & Guarantor: Elena Yefimenko
Found 2 reviews about Best Crypto Wallets with Debit Card in 2021

Crypto Currency Debit Card Key Characteristics Pros & Cons
Binance Visa Card
  • Minimum 1 % Cashback
  • Own app available
  • Top up with Binance Account
  • Cashback in BNB tokens
  • Cash withdrawal up to 0.9%
  • Payment up to 0.9%
Pros:

  • Direct crypto-to-fiat payment
  • Google Pay / Samsung Pay Support

Cons:

  • Many advantages only in combination with your own token
  • No Apple Pay support
Crypto.com Card Midnight Blue
  • 1% CRO cashback on all purchases (no staking required)
  • Cashback in CRO tokens
  • Cash withdrawal: free up to €200, after that 2%
Pros:

  • Token swaps
  • Apple Pay / Google Pay Support
  • Own app available + additional app for DeFi
Crypto.com Card Ruby Steel
  • 2% CRO cashback on all purchases
  • Free cash withdrawals up to €400, after that 2%
Pros:

  • Token swaps
  • Spotify Premium free of charge
  • Noble metal card
  • Apple Pay / Google Pay Support

Cons:

  • CRO token staking worth € 350 required
Wirex Card
  • 0.5% cashback in WXT tokens with standard plan
  • Annual fee €14.40
  • Cash withdrawal: €2.25per withdrawal
  • Own app available
  • 1% fee per trade
Pros:

  • Support for 150 Fiat currencies and associated bank accounts (IBAN included)
  • No payment fees
  • Cashback in-store and online

Cons:

  • Many advantages only in combination with your own token (WXT)
  • No direct crypto-to-fiat payment
  • No Apple Pay / Google Pay support
Monolith Card
  • Annual fee €0
  • Cash withdrawals: twice a month free of charge, then €0.85 per withdrawal
Pros:

  • DeFi: Account is a smart contract wallet
  • Free crypto to fiat conversion
  • Direct token swaps via DEX
  • Google Pay Support

Cons:

  • No cashback program
  • No direct crypto-to-fiat payment
  • Many advantages only in combination with your own token (TKN)
Bitpanda Visa Card
  • Annual fee €0
  • Cash withdrawal: Free within the limit, after that €1.50 per withdrawal
Pros:

  • Cashback in Bitcoin
  • Direct crypto-to-fiat payment
  • Google Pay / Samsung Pay Support

Cons:

  • Even minimal cashback (0.5%) requires approx. €4325
  • No Apple Pay support
Plutus Card
  • Exhibition 10 euros
  • Annual fee 0 euros
  • Cash withdrawal € 1.35 + 1% of the amount
  • 3% cashback in PLU tokens
  • Own app available
  • 1.75% fee per trade
Pros:

  • DeFi possible through Plutus DEX and in-app token swaps
  • Google Pay Support
  • Wallets are non-custodial

Cons:

  • No direct crypto-to-fiat payment
  • Many advantages only in combination with your own token
  • No Apple Pay support
Nuri Visa Card
  • Own app available
  • No extra token required
  • No DeFi support
Pros:

  • No card fees
  • Withdraw cash free of charge worldwide
  • Only 1% trading fee + network fee

Cons:

  • No cashback program
  • No direct crypto-to-fiat payment
  • No Apple Pay / Google Pay / Samsung Pay support
Eidoo Card
  • 0 – 1.5% cashback in PNT if at least 20 PNT ($ 20 PNT) are staked over 1 year
Pros:

  • The basic version is an inexpensive card
  • Staking optional (depending on the card type)

Cons:

  • Many advantages only in combination with your own token (PNT)
  • No direct crypto-to-fiat payment
  • No Apple Pay / Google Pay support

Methodology of Choosing the Best Crypto Wallet with Debit Card

Which card is recommended depends on the respective user behavior. For example, if the card is mainly used to withdraw cash, the fees are different than if online shopping takes the lion’s share. Nevertheless, general recommendations can be made on the basis of carefully defined criteria.

The card providers make a profit with the fees incurred, for example for converting currencies or withdrawing from machines. A special feature of the Bitcoin cards are crypto-to-crypto exchange fees.

What criteria should one pay attention to? Various criteria are important when making the selection. For some interested parties, only the fees are decisive. For others, limits or cashback programs will tip the scales.

Fees

Fees make up the lion’s share in the rating of credit cards. Because the fee structure and usage behavior determine how much cardholders ultimately have to pay.

There are a number of fees to consider when choosing crypto credit cards.

Fee upon Issuing

The fees for applying for a new card are up to 10 euros. The issue of a replacement card is similarly high or low.

Most providers, however, issue cards at no cost to the new owner. Since it is also a one-time payment, this fee is not very significant.

Annual Fee

This is of course different with an annual fee that is due regularly. The good news is that only a few providers charge a basic fee here, too.

Caution is advised in the premium segment. The greater the benefits, the greater the likelihood of an annual fee.

Transaction Fees

Here, ticket buyers should carefully study the conditions. If you only use the card occasionally or for certain transactions, the fee has little weight.

With many and especially with many high transactions, however, a percentage obolus can quickly add up.

Transaction fees are often linked to limits. It is worth knowing about the best combinations and choosing the card accordingly.

Trading and Exchange Fees

The profit margin for providers comes mainly from the collection of exchange fees. The procedure, which is well known from the stock exchanges, defines that users have to pay specific purchase and exchange fees for each currency.

For example, when exchanging Bitcoin for Fiat, there is a certain percentage that is automatically deducted from the final amount in Fiat.

Cash Withdrawal and Top-up Fees

The whole point of a credit card is cashless payment. If cardholders do need cash, they can withdraw it from an ATM.

This leads to fees for around half of the credit cards tested, which are reflected either in a flat fee or a percentage fee or a combination of both.

Conversely, providers are faced with the challenge of keeping large sums of money in the wallets and accounts of the users. In order to keep this manageable, some exhibitors charge top-up fees, such as Swipe with 3.9%.

As with transaction fees, there are also limits to be taken into account for withdrawals and top-ups.

Crypto-to-Fiat Payments

The credit card has its own wallets, often several next to each other (Bitcoin, Ethereum, Litecoin, etc.). Users can decide that payments in fiat currencies (euros, dollars, etc.) are converted immediately at the current rate. Alternatively, you can determine the time of exchange yourself and thus choose a favorable rate. Payments in coins are also possible.

Many providers make it possible for users to determine the order in which the wallets are “debited”. If the Bitcoin wallet is empty, for example the Ethereum wallet comes next, etc.

Converting cryptos to fiat when paying is by far the more common option.

Cashback Programs

Cashback, i.e. discounts when paying, is a popular feature of credit cards. Some crypto credit cards also offer cashback programs. Usually there is cashback but not without consideration. It is also important to check whether cashback is only valid for online or also for in-store.

Many providers have a token (including BEST, BNB or CRO). Percentages are only granted to those who have a certain amount of it. The payout is often also made in your own token.

However, since these tokens are subject to price fluctuations, the cashback percentage may be a milkmaid bill. For example, there is 1% cashback, but at the same time the price drops by 10%.

With the blue Crypto.com card and the Binance Card, there is 1% cashback even without purchasing a token.

Own App

Very few providers have an app just for credit cards in their portfolio. It is much more common that there is one app for the entire ecosystem. The card then has its own area in the app.

However, the existence of an own app is not a matter of course. It is not surprising that the large crypto companies in particular can map credit card management in their own apps.

Credit Card Provider

The crypto credit card market is large and so it is not surprising that established platforms as well as disruptive start-ups are involved.

Providers like Binance or Crypto.com know users from numerous other offers. Eidoo, Monolith and Plutus are rather unknown. Here, the selection depends on personal preference: How important is many years of experience in storing the coins for your own sense of security?

Place of business and company form can also play a role, for example when it comes to regulatory aspects.

The crypto industry has established the term “Bitcoin debit cards”. Many cards nonetheless explicitly have other cryptocurrencies—above all Ethereum—in their wallet portfolio.

In the course of our test, we took a close look at the debit cards of all well-known providers, in both virtual and physical form.

So far, cryptocurrencies have not yet made it into everyday payment transactions. Some providers have recognized this gap and added special Bitcoin debit cards to their portfolio that can be used to issue cryptocurrencies.

Additional Offers

In addition to the “hard” criteria that play a role in the selection of crypto credit cards, the exhibitors have a number of other advantages on offer. These can be bonuses or discounts or additional benefits on your own platform.

One of the currently most attractive additional offers are discounts and free subscriptions to partner companies. A Netflix subscription on top? How about a percentage on the monthly Spotify fee? Swipe in particular scores here.

Best Bitcoin Wallets with Debit Card

Our methodology is also based on the fact that in the crypto community, it is natural to make online payments using a wallet. Examples of use are transactions to and from stock exchanges or simply transfers to friends. However, Bitcoin & Co. have not yet spread in everyday payment transactions.

In online shopping, too, buyers must be lucky when cryptocurrencies are available for payment.

This creates a dilemma for users who hold part of their assets in coins. It does not seem to work (yet) without institutions or companies that create a bridge between the coins in the wallet and the accepted payment options of the providers.

From this point of view, Bitcoin debit cards are a necessary interface. They combine the advantages of a debit card, such as worldwide payment at many acceptance points, with access to the coins in your own wallets.

There are many providers on the market. For users, the question arises: Which debit cards are good? Which crypto card is right for me? We put that to the test in our test.

Crypto Debit Card Best for
Crypto.com Card Midnight Blue Best for Daily Use
Monolith Card Best for Ethereum
Crypto.com Card Ruby Steel Best for Virtual Visa Card
Wirex Card Best for Direct Spending
Bitpanda Visa Card Best for Security
Eidoo Card Best for Free Card Reloads
Binance.com Best for Zero Administrative Fees
Plutus Card Best for Rewards
Nuri Visa Card Best for Traveling

FAQ

On the one hand, you have to join an existing debit card with many acceptance points in order to integrate it into everyday life in the best possible way. On the other hand, different crypto currencies have to be combined on one debit card so that if you have several digital currencies you do not need a debit card for each one.

For the time being, the focus was on the two largest cryptocurrencies Bitcoin and Ethereum. However, the will to integrate further crypto currencies into the payment method by credit card is there and is being expanded.

The fee structure is relatively similar among all providers. Exceptions, however, prove the rule. Some exhibitors take a fee for every transaction. With others, sales are completely free. For this, you may have to pay a hefty amount when you deposit.

The holder charges the card using cryptocurrencies. Here, too, there are often several cryptocurrencies to choose from. They are converted into Fiat currency immediately when you top up the card and as such are credited to the balance on the card in Fiat.

Some providers allow direct token swaps via DEX. Another important criterion is whether Google, Apple and / or Samsung Pay are supported.

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