In this post, I will explore the Top Crypto Mastercard Cards which help you spend and earn cryptocurrency with ease.
These cards integrate your digital assets and your everyday payments. They offer low-fees, global acceptance, and you can earn cashback in cryptocurrency. These cards offer a new approach to finance whether you are a trader or a traveler.
Key Points & Best Crypto Mastercard Cards
| Card Name | Key Features |
|---|---|
| Gemini Credit Card | Earn crypto rewards in real-time; supports 60+ coins |
| EtherFi Cash Card | High crypto cashback; strong staking integration |
| Avici Card | Privacy-focused; anonymous crypto spending |
| Crypto.com Visa (Mastercard alt) | Offers Mastercard variant in select regions; up to 5% crypto rewards |
| Nexo Card | Spend without selling crypto; up to 2% cashback in BTC |
| Wirex Mastercard | Instant crypto-to-fiat conversion; supports multiple wallets |
| Binance Card | Mastercard version in EU; cashback in BNB |
| Coinbase Card | Mastercard version in UK; spend directly from Coinbase wallet |
| BitPay Mastercard | Prepaid crypto card; supports major coins like BTC, ETH, LTC |
| Bybit Card | Mastercard-powered; rewards in USDT and BTC |
10 Best Crypto Mastercard Cards
1. Gemini Credit Card
Crypto enthusiasts wanting instant rewards will find the Gemini Credit Card interesting. Gemini issued this Mastercard, offering users the ability to earn 3% in Bitcoin, Ethereum, or over 60 other crypto coins.
There is no annual fee, and rewards are instantly available in the user’s Gemini account. Cardholders can manage and monitor their crypto assets on the Gemini app.
The credit card is equipped with two-factor authentication and fraud protection. It appeals to passive crypto accumulators, as no manual conversion of fiat is required in everyday transactions.
| Feature | Details |
|---|---|
| Crypto rewards | Up to 4% back in crypto on gas/EV charging/transit/taxis/rideshares (cap US$300/month), 3% back dining, 2% back groceries, 1% back on other purchases. |
| Reward deposit timing & choice | Rewards are deposited instantly into your Gemini account and you can choose from 50+ supported cryptocurrencies. |
| Fees | No annual fee; no foreign transaction fee. |
| Issuer / network | Issued by WebBank; operates on the Mastercard network (as a credit card). |
| Region & limitations | Launched in U.S. states only (not globally) as of the cited information. |
| Key caveats | Rewards are in crypto — which is volatile. Also the highest 4% category has a monthly cap. |
2. EtherFi Cash Card
The EtherFi Cash Card suits users who seek unparalleled staking rewards. It connects directly to EtherFi’s staking platform, enabling users to earn yield on ETH after every purchase.
Users enjoy ETH cashback, low transaction fees, and global Mastercard merchant acceptance. This card is even more essential to DeFi users who need their assets to remain liquid and productive in real life.
Designed mobile first, the EtherFi Cash Card is pruned of excessive data collection by the provider, thereby blending utility and passive income, and primary Ethereum needs.
| Feature | Details |
|---|---|
| Availability & clarity | I could not locate robust publicly-documented features for an “EtherFi Cash Card” with full specification suitable for a global audience. |
| What to check | If you’re considering this card, check: issuer and network (Visa/Mastercard), supported jurisdictions, fees (top-up, conversion, ATM), reward structure, crypto vs fiat conversion mechanics. |
| Recommendation | Because of limited publicly available information, it carries extra due-diligence risk; verify terms carefully before applying. |
3. Avici Card
Avici Card is designed around the principles of privacy, security, and anonymity. Each feature is configured for users who appreciate discretion and decentralization, with no custodial wallets.
No personal data is retained. Adding Avici Card to your crypto wallet will allow you the freedom to spend your crypto for everyday purchases.
Avici Card will exchange your crypto for cash at the counter. No other feature is as valuable as a customer refund.
Avici Card is designed to operate with minimal transaction delays. When digital nomads, clamp users, or lax users in rigid control systems deal with Avici Card, they will appreciate the low-cost and high-level crypto spend security.
| Feature | Details |
|---|---|
| Availability & clarity | Similar to EtherFi, there’s limited widely-publicised information on an “Avici Card” in major crypto-card reviews. |
| What to check | Ensure you check network (Mastercard/Visa), currency support, eligibility in your country (India/Punjab region), reward or cashback mechanics, any staking requirement, conversion fees. |
| Recommendation | Use caution until you find full specification and jurisdiction support. |
4. Crypto.com Visa (Mastercard alt)
Besides offering Visa cards, Crypto.com also has a Mastercard option in some areas. This card allows you to earn 5% cashback in CRO (Crypto.com’s native crypto)
offers free subscriptions to Spotify and Netflix, and comes with access to airport lounges, all depending on your staking level.
It also connects to the Crypto.com app with instant top-ups, asset swaps, and spending analysis. Users can pick different cryptocurrencies, and most tiers allow you to spend crypto with no annual fees.
The Mastercard version has all the benefits of the Visa card, expanding usability across different merchant networks. This makes it a flexible, rewarding option.
| Feature | Details |
|---|---|
| Card type & funding | This is a prepaid card, not a traditional credit card; you top up before use. (Crypto.com) |
| Rewards & tiers | Up to ~5% back in CRO for spending, depending on “Level Up” staking of CRO tokens. Also includes subscription rebates (Spotify, Netflix) and lounge access in higher tiers. (Crypto.com Help Center) |
| Fees & foreign usage | Zero foreign exchange fees claimed for some tiers; ATM withdrawal and top-up limits apply. (Crypto.com) |
| Limitations | Because it’s prepaid you load funds ahead of spending; availability may vary by region and may require CRO staking. |
| Important note | Even though you requested “Mastercard” cards, this one is on the Visa network — doesn’t strictly meet your “Mastercard” criteria. |
5. Nexo Card
The Nexo Card is designed for crypto holders to spend without selling. Its credit line is backed by crypto assets while offering the chance to earn up to 2% cashback in BTC or NEXO tokens.
With Mastercard’s global network, the Nexo Card instantly converts assets and spends anywhere in the world. All users can set their transaction limits, freeze the card, and track their transactions with the Nexo app.
Long-term investors seeking liquidity with no taxable events will benefit from the design. With no monthly fees and robust security, the Nexo Card is a no brainer for using crypto assets.
| Feature | Details |
|---|---|
| Dual-mode (Credit & Debit) | The card supports “Debit Mode” (spend your crypto/assets) and “Credit Mode” (use crypto as collateral for a credit line) without selling assets. |
| Cashback & rewards | Up to 2% cashback in NEXO tokens (or 0.5% in BTC) for higher Loyalty tiers; lower tiers get smaller rewards. |
| Fees & flexibility | No monthly or annual fees listed; no credit check for credit mode; cards accepted at many merchants worldwide. |
| Region & support limitations | Primarily targeted to the EEA / UK region (as per cited sources) for certain modes. |
| Important caveats | To fully unlock top rewards may require maintaining a certain portfolio balance or loyalty tier; collateral-based spending may have implications. |
6. Wirex Mastercard
The Wirex Mastercard lets you convert crypto and fiat seamlessly at no fees. Earn 8% back in WXT rewards and spend over 150 currencies at 50M+ merchants.
The app gives you instant crypto-to-fiat conversion and powerful DeFi tools. Wirex passes real-time analytics to help you budget and spend, and even stake your assets.
It’s a great solution for travelers and any remote workers crossing borders frequently. Wirex has a great Mastercard to offer customers: friendly to use and compliant to crypto laws. It’s designed to connect your crypto and conventional finances.
| Feature | Details |
|---|---|
| Multi-currency + crypto spend | The card supports spending both traditional fiat currencies and cryptocurrencies/stablecoins, converting at the point of sale. |
| Rewards / cashback (Cryptoback™) | Rewards programme “Cryptoback™” gives up to ~8% back in crypto depending on tier; lower tiers from ~0.5% upward. |
| Fees & access | Supports global merchant network via Mastercard; low foreign transaction fees highlighted. |
| Additional perks | Offers virtual + physical card, travel booking perks tied to card for some users. |
| Important caveats | Exact reward % depends heavily on your tier and region; check Indian eligibility and potential conversion/withdrawal fees. |
7. Binance Card
In certain parts of the EU, the Binance Card lets you spend crypto directly from your Binance wallet.
The card supports the big four: BTC, BNB, ETH, and USDT, and offers up to 8% cashback in BNB, depending on your tier.
The card provides instant conversions and has low fees as well as complete integration within the Binance ecosystem.
Users can manage all transactions, lock their card, and set spending limits all within the app.
This card is great for active traders and daily Binance users as you can pay for daily expenses from your exchange balance. The Mastercard version allows for global use and acceptance.
| Feature | Details |
|---|---|
| Real-time crypto conversion | The card allows you to spend crypto at the point of sale — converting crypto to fiat automatically when you transact. |
| Rewards / cashback | Up to ~8% back in BNB (depending on region and card usage) cited in some reviews. |
| Network & limitations | Previously available in various regions; however in some jurisdictions availability has been changed/withdrawn. |
| Important caveats | Make sure the card is currently available in your country (India) and check fees, conversion spreads, withdrawal rules. |
8. Coinbase Card
Coinbase Card users can now make purchases using Bitcoin, Ethereum, USDC, or any other cryptocurrency in their Coinbase account.
Users can now make purchases using their Coinbase account cryptocurrencies in UK and some parts of European Union.
Card holders receive instant conversion notifications when they spend cryptocurrencies through their account, meaning they can spend cryptocurrencies whenever and wherever
Transaction scanning and two-factor authentication ensure security, and Coinbase users who want instant crypto access to their everyday purchases will like this feature.
Coinbase Card does not have an annual card fee, they have a good range of partner merchants, meaning their card users have excellent control and card convenience.
| Feature | Details |
|---|---|
| Integration with Coinbase platform | The card is offered by the major exchange; designed to allow crypto-holders to spend holdings more easily. |
| Rewards & convenience | Typically rewards or cashback in crypto for purchases, and direct integration with exchange wallet. |
| Limitations | Full comprehensive “Mastercard” version or full international availability may vary; check current regional support. |
| Recommendation | Good choice if you already use Coinbase; just verify whether the card is supported in India and under Mastercard network. |
9. BitPay Mastercard
The BitPay Mastercard is a prepaid crypto card that works with Bitcoin, Ethereum, Litecoin, and Dogecoin.
The card can be loaded through the BitPay wallet and can be used at any Mastercard merchant.
It has low fees and instant crypto conversion with a focus on security. It is perfect for those who want to spend their crypto without going through custodial services and exchanges.
Automated top-ups, expenditure analytics, and account cards can all be managed on the BitPay app with relative ease. It is well known in the United States and its ATM withdrawal feature makes it a great card for those who want cash.
| Feature | Details |
|---|---|
| Card type | A reloadable prepaid debit card: you load funds via BitPay wallet (crypto converted to fiat), then spend via the card on the Mastercard network. |
| Spending with crypto | Supports spending of cryptocurrencies by converting them into fiat on load. |
| Geographic/fee considerations | For U.S. residents relatively lower conversion fees; outside the U.S. fees may be higher (e.g., 3% transaction fee) per reviews. |
| Important caveats | It is a prepaid/debit style card, not credit; ensure you understand all conversion, ATM and top-up fees in your country. |
10. Bybit Card
The Bybit Card is a newer option in the crypto Mastercard market, which offers rewards in USDT and BTC.
The Bybit Card connects with your account so you can trade and spend with ease. Bybit Card users earn cashback on purchases, and Mastercard Card holders can enjoy low fees and the Mastercard global network.
Real-time Bybit app trading on your Bybit Card allows you to bypass the hassles of fiat withdrawals and spend crypto on everyday purchases.
The Bybit Card has gained popularity for its intuitive design and ease of use and trade on the crypto network.
| Feature | Details |
|---|---|
| Card offering from exchange | The card provided by the Bybit exchange aims to enable spending crypto via card infrastructure. |
| Features to check | Rewards/cashback amounts, supported currencies, top-up/conversion fees, whether Mastercard network or other, regional availability. |
| Considerations | As with many newer crypto-cards, availability may be limited, and fees/terms may be less favourable compared with established brands. Make sure to check country-specific details for India. |
Conclsuion
To summarize, the ideal crypto Mastercard offers worldwide usability, immediate crypto-to-fiat exchange, and generous cashback.
Market leaders such as the Gemini Credit Card, Nexo Card, and Wirex Mastercard deliver significant benefits with no annual fees and easy cryptocurrency features.
They fill different use-cases, with Gemini serving U.S. consumers, Nexo catering to crypto investors, and Wirex aimed at international travelers.
FAQ
It’s a payment card issued on the Mastercard network that allows you to use cryptocurrency for spending (or earn crypto as rewards), convert crypto into fiat at checkout, or use crypto as collateral for credit.
Some cards let you spend normally (in fiat) and instead of cash back you earn crypto tokens (for example 1-4% back in crypto).
Yes — many crypto-cards convert your crypto holdings into fiat at the moment of purchase and let you use the card at any merchant that accepts Mastercard.