Google Pay crypto cards

ether.fi Cash

The most complete self-custodial spending stack in this comparison: your own vault plus real bank rails in four currencies (ACH, SEPA, GBP FPS, Swiss IBAN), 3% ETHFI cashback on the first $2,000/mo with Category and 5% travel boosts, KYC light in practice (ID + liveness; proof of address only on request - verified first-hand September 2026 with a Paraguayan cedula and a German passport) and an uncapped public affiliate program. The documented risks are real: interest from the first tap in Borrow Mode, liquidation risk, the November 2025 fraudulent-card incident with promised refunds, a protection program still marked not yet live that excludes compromised keys, and cashback now locked in volatile ETHFI instead of instant USDC.

Freedomia

The most complete no-KYC crypto card we track: instant virtual Visa, Lightning Address top-ups, Tor support, working ATM withdrawals via Google Wallet NFC, responsive multilingual support and a year of positive user reports with no documented incidents. The fee stack is honest and the 1.3% load is the cheapest in the no-KYC niche. Counterparty risk stays material - the issuer is undisclosed, the operator is a self-declared Delaware LLC at a registered-agent address, balances are custodial with no way back on-chain, and even a chargeback demands KYC and $250. Treat it as a spending pipe: top up, spend, replace.

KAST

The most complete stablecoin-spending account on the market: US/EU virtual bank accounts from anywhere, Visa Platinum cards with real 1.5% USD cashback on the free tier, instant cashback and no spending caps. Full KYC and a young operator are the trade-offs; the paid tiers only make sense for heavy spenders.

Krak Card (Kraken)

The strongest mainstream exchange debit card for UK/EEA/US users on paper: free issuance, no monthly fee, 0% FX on the Mastercard rate, instant tiered cashback up to 2% and a metal card for high-balance users. The catch: cashback only starts above a GBP/EUR 200 average balance, crypto spend carries an undisclosed spread, and per-day limits are not published.

Fold Bitcoin Credit Card

The cleanest bitcoin-rewards credit card structure documented: flat 1.5% in BTC uncapped with no annual fee, up to 4% for engaged users, issued by Celtic Bank under Visa. It is a credit product - VantageScore-based checks, bureau reporting, and variable APR 20.49-29.44% on carried balances.

Fold Bitcoin Debit Card

The reference bitcoin-back debit card in the US: sats on every swipe via the Fold+ subscription (0.5% base plus rotating boosts up to 15%), FDIC pass-through on the USD balance via Sutton Bank, BitGo custody for bitcoin, Nasdaq-listed parent. The free tier earns no card cashback - Fold+ is the product.

Revolut

The mainstream choice if you want crypto spend inside a full banking app - regulated, mature, multi-plan. Crypto card payments carry no exchange fee but the plan fair-usage limit counts crypto exchanges, each payment is a taxable disposal, and the September 2026 data breach exposed identity and transaction data. Solid for banking, honest about the crypto side-feature trade-offs.

Gnosis Pay

Watch for the December 2026 sunset: the consumer product is closing. Solid self-custody architecture (card only moves whitelisted tokens from your Safe to settlement, up to a daily limit), but as a spending card it has an end date. Migrate to a partner app (Rebind/Picnic) or another self-custody card before 20 December 2026.

MetaMask Card

The most mainstream self-custody card: MetaMask wallet spending stablecoins on Linea through a Mastercard program run with Baanx/Monavate, keys stay yours. 1% mUSD cashback on the orderable Virtual card; US and UK sign-ups are paused, Metal (3% tier) paused since June 2026. Verify current availability in-app before ordering.

Karta Card

A premium U.S.-issued charge-style credit card (Visa Infinite) for internationally mobile high-net-worth individuals with assets at U.S. banks/brokerages - NOT a crypto card: no crypto funding, no crypto wallet, and crypto purchases are explicitly prohibited. The only crypto connection is investor-side (Galaxy Ventures led the Series A). Strong points: 0% FX, 0% APR charge model, credit lines up to $200,000, fully published fee tables, Priority Pass and a 24/7 WhatsApp concierge. Weak points: $300/year with no cashback and unpublished point values, full KYC with a high U.S. asset bar ($50k-$150k), 16-country residency blacklist (incl. India, Turkey, Vietnam, Israel), invite/partner-gated distribution, binding arbitration in Puerto Rico, and an issuer ('Third National' = Nimbus LLC dba, PR money transmitter per our verified 2026-10-03 crosscheck) whose legal name Karta's own materials never spell out. Excellent niche product; irrelevant for spending cryptocurrency.

Holyheld

A long-running hybrid-rail card: crypto side non-custodial per the live Terms (USDC only), fiat/e-money side with unnamed regulated partners. Full KYC, invite-only membership (CHF 0/yr personal), ramp fees 1%/0.5%, and the card cashback is no longer published. Fine for EUR/USDC payments in the EEA if you accept the partner custody on the fiat side - verify card terms before ordering.

OKX Card

KuCard

Nuri

The Nuri relaunch is a self-custodial wallet (Euros, Dollars, Stablecoins, Bitcoin) with a free Visa card on Wirex BaaS infrastructure - operator verifiable (Nurisoft Development OÜ, Tallinn), card wallet self-custody, GBP 30,000 limits. But no official statement connects it to the insolvent 2022 Nuri GmbH, and the fee schedule hides in the Wirex layer. Verify card terms before loading.

Bleap

Bleap is one of the few crypto cards whose core fee promises check out: free issuance, no monthly fee, Mastercard rate with no FX markup, and free ATM withdrawals up to 400 EUR/month, all debited from a genuinely non-custodial MPC wallet with a named Cypriot EMI issuer and a verifiable MiCA CASP license. The catch is that the famous 'up to 20% cashback' is a lattice of category promos with small eligible-spend caps (realistic value is roughly 1% on everyday spend up to 3,000 EUR/month), the 2% groceries and dining rate already expired in May 2026, rates can change without notice, and the physical card is referral-only. Availability is EEA plus Switzerland only, with 45 excluded nationalities and some EEA countries still on a waiting list.

Coinbase Card

The safest pair of hands in the comparison: NASDAQ-listed issuer context, FDIC-member bank card, zero fees on USD/USDC spending and no staking requirement. The trade-offs: US-only (no Hawaii), rewards rates are variable in-app only, and non-USDC crypto spends trigger auto-sell with spread and taxes.

Goblin Card

The strongest physical no-KYC card pitch: a real Mastercard with ATM access, 0% FX and 0% ATM fees, XMR deposits and privacy-preserving support channels. The trade-offs are a $350 entry price, 3.5-4% deposit fees and an unlicensed custodial balance - treat it as a privacy tool, not a bank account.

Nexo Card

The most complete dual-mode card: one tap switches between spending your crypto (Debit, with daily interest) and borrowing against it (Credit, from 1.9%) - with free ATM allowances up to EUR 2,000/month and no card fees. The catch: meaningful cashback needs a $5,000+ portfolio and is denominated in NEXO, and it is EEA/UK-only.

Jupiter Card

The Jupiter Card is the rare exchange-issued card that publishes real documentation: issuer split (Rain 43 countries / DCS 9 APAC countries), fees, limits and a signed cashback T&C. The fee stack is honest - no annual/monthly/deposit fees, only an issuer FX fee (1% Rain, 1.8% DCS) - and the 2% USDC cashback is real but capped at $100/month, with the 4% tier gated behind 2+ referrals in the prior month and a $200 cap. Custody is hybrid: your Jupiter DeFi wallet is self-custodial, but the Spend balance that backs the card is custodial with the issuing partners, and only USDC-origin deposits can be off-ramped. Main deductions: heavy KYC (SumSub liveness, APAC proof of address, undeletable Jupiter ID), rewards governed by Panama-law terms with an unnamed operator entity, no EEA/UK availability, and discretionary rewards clawback rights. A solid spend card for supported markets in the Americas, APAC and parts of Africa/MENA - not a privacy product.

Ledger CL Card

A Ledger-branded Visa prepaid card by Baanx that lets users spend from Ledger self-custody, converting crypto to fiat at the moment of purchase and paying 1% cashback in BTC (2% in BXX). Live across UK/EEA plus a 2025 US expansion, but the open jurisdiction list is login-gated and the old Ledger shop pages are dead links.

2Fiat

A Monero-capable virtual Mastercard with Apple/Google Pay support and $10-$10,000 loads - a rare direct-XMR card. Until fees, limits and the operator behind it are verifiable, treat it as an unverified lead: fund only what you can afford to lose.

Coinbase One Card

A US credit card on the American Express network paying up to 4% back in Bitcoin, issued via Cardless and gated behind a Coinbase One subscription. Evidence is press-grade only - the operator's own pages are unreachable from our IP - so treat every detail as unverified.

MEXC Global Card

Live and open for applications since Aug 31, 2026, with unusually high headline rewards (4-10% USDT cashback) and clean FX terms (Visa rate, no MEXC markup, no conversion fee). Reality check: the 10% is a futures-trading-gated ceiling capped at 800 USDT/month, the base tier pays 4% capped at 100 USDT/month, the 1% transaction fee returned Oct 1, 2026 after the launch waiver, and the issuer behind the Visa BIN is not disclosed. Availability is broad under a restricted-list model (everything not on a 69-entry blacklist; US, India, Indonesia, Turkey, Russia and Ukraine excluded; AU/SA/ZA/CH gated behind VVIP 600+), but virtual-only. Trust hinges entirely on the custodial MEXC exchange, whose community reputation is poor and whose card track record is five weeks old. Verify the live fee and restricted-list on the application page before applying - MEXC updates both.

Tuyo Card

Tuyo Card is a genuinely self-custodial USDC-on-Base spending card with unusually good raw specs: no issuance/monthly/yearly fee, 0% on USD-in-US spend, huge daily limits ($50k rising to $200k), broad country availability outside a well-published 27-country prohibited list, and a detailed, dated help center - rare transparency for availability. The weak points are real: there is no cashback (BNPM random free purchases are a marketing lottery, not a reward rate), TUYOs points are unvalued until a promised 2026 token, and there is a material fee-truthfulness gap - the binding cardholder agreement allows up to 3% FX + 3% cross-border, double the 2% ceiling the site advertises. Full KYC (SSN/DOB via issuer Third National) and an individual-arbitration class waiver sit alongside the self-custody pitch. Virtual-only (physical 'coming soon'), ATM capped at $250/withdrawal and 3 attempts/24h. A good self-custody spending rail for USD-centric users who live outside the excluded jurisdictions - but treat the 'fees' as '1-2% advertised, up to 3-6% legally possible' and the rewards as lottery tickets, not yield.

Bitunix Card

A fast, cheap-to-hold Visa prepaid card for non-US/non-EU traders who already bank on Bitunix: zero issuance/monthly/conversion fees, generous limits (10k USD/day, 50k/month), Apple/Google Pay, and an auto-earn kicker (11.6% APR on the first 200 USDT of card balance). The 'up to 8% cashback' is VIP-gated marketing - monthly caps make the effective rate about 2% even for whales, EEA/UK merchants earn nothing, and the actual issuer/BIN sponsor is undisclosed behind a Singapore program company with an Ontario-law/Singapore-arbitration agreement. Trustpilot (3.7) shows real withdrawal-freeze complaints about the exchange, so keep only spending money in the card account.

Phantom Cash Card

Phantom Cash finally gives the biggest Solana wallet a spending rail: a free virtual Visa paid out of a CASH stablecoin balance with Apple/Google Pay and yield on idle balances. But it is a US-only (ex-NY), virtual-only product with a USD 2,000 standard daily cap, 1.75% card funding and no card cashback - a nice extension of the wallet, not yet a full card program.

Avici Card

A genuinely onchain attempt at a secured-credit card: USDC sits in a user-owned escrow contract, fees are almost zero (no monthly, no top-up, 0% own FX markup), virtual cards are instant, and the August 2026 $500k partner-infra hack was refunded in full plus 10%. But rewards are referral-shaped rather than real cashback, KYC is full Sumsub with 5-year retention, UK/EEA is not served, the $35 non-refundable dispute fee is consumer-hostile, and the exploit showed that 'self-custodial card' still means trusting third-party contract logic once funds leave your wallet. Reasonable as a cheap crypto-spend card for the supported 50 countries; keep card balances small.

SafePal Card

The SafePal Card is a wallet-native on-ramp/off-ramp more than a rewards card: a virtual Mastercard debit (no PIN, no physical, no ATM) spending tokenised Swiss-fintech deposits (EUR24/USD24/CHF24 on Arbitrum) inside the SafePal app, with the IBAN account and compliance handled entirely by Fiat24 (SR Saphirstein AG, FINMA fintech licence Art. 1b). Fee transparency is genuinely good (0% standard top-up under the current waiver, 1% non-USD FX, no account fees), and 42 countries get Mastercard issuance. But there is no cashback, KYC includes a GPS-at-home check, and the two structural risks are serious: client deposits are explicitly NOT covered by the Swiss deposit protection scheme, and the issuer has spent most of 2026 in a maintenance mode that per community reports paused deposits and FX swaps. STATUS=verify until Fiat24's maintenance mode ends and SafePal onboarding is confirmed live end-to-end.

COCA

A non-custodial stablecoin wallet with a Wirex-issued prepaid card: documented 1-8% cashback tiers in stablecoins, free virtual card, Apple Pay/Google Pay and up to 5% APY. The rewards are real but tiered behind $COCA balances, the official pages contradict each other on cashback rate and card network, and the independent FX spread measurement undercuts the 0% FX marketing. Verify the current card terms in-app before loading.

Exa Card

Genuinely novel onchain-credit card: your deposits sit in the audited Exactly fixed/variable-rate lending markets earning variable yield while acting as collateral; Pay Now debits your balance, Pay Later borrows fixed-rate on-chain and repays in up to 9 installments every 28 days - all at 0% APR with the cost embedded in the fixed borrow rate (optional origination fee). Self-custodial smart-account wallet (passkeys), free virtual Visa Signature, instant issuance, Apple/Google Pay. Weak spots: no purchase cashback (only capped promo campaigns), 1.5% FX + up to 1.5% cross-border on the international card, virtual-only, full KYC, issuance concentrated in LatAm/Africa/Asia + 31 US states (not Western Europe/UK/Canada), and protocol exploit history means collateral is exposed to smart-contract risk by design.

RedotPay

A documented, fully-priced stablecoin Visa program with named regulatory registrations - but unresolved mega-litigation changes the risk picture: Binance sued RedotPay and its founders for ~$472.8M in August 2026 over alleged user-asset diversion. Custodial balances, freeze powers, no named issuer. Treat as usable-but-contested; keep balances minimal and watch the litigation.

VaultLeap Card

A transparently specified USD/EUR/MXN account with a $0-fee Visa that settles from your own USDC wallet - real and signable, but early-stage with thin adoption. The cashback (1%, capped $50/mo) is a discretionary rebate; the yield layer is third-party DeFi with no guarantees. Reasonable for freelancers paid via Upwork/Deel/Stripe-style platforms; low track record and unpublished issuer country list keep it on verify.

Vivid Money

Vivid's consumer crypto card is alive and regulated: free-first physical Visa, 300+ coins from EUR 1 under a Dutch AFM MiCAR CASP licence (custody via Copper), 2% default crypto trading fee and plan-capped cashback. The B2B pivot is real but the personal product demonstrably operates - with a documented 2026 freeze/support complaint pattern typical of partner-rail neobanks.

Solayer Card

A real, shipping product from a well-funded Solana ecosystem team (Solayer Labs), now branded Solayer Pay after launching as the Emerald Card in April 2025. Virtual + physical Visa-compatible cards, Apple/Google Pay, ATM access, USDC-funded. Weaknesses: fee stack ($20/yr + 1% top-up + $0.15/txn + FX), no standing cashback (points with future promised utility), heavy restrictions (17 US states, most of Western Europe, CA/AU/NZ/IN/KR excluded), issuer not published, and 'non-custodial' marketing that contradicts its own hot/cold wallet security description. Fees/limits transparency is actually good (dedicated docs) — more than most competitors publish.

Tria Card

A real, documented, collateral-backed Visa credit card from a funded ($12M) crypto-native team - the most complete legal/fee/cashback disclosure set of any Rain-stack card reviewed so far. But the fine print matters: FX and ATM fees are open-ended 'up to' numbers, cashback is a non-guaranteed vendor promise with lagging, discretionary distributions, spending limits can be cut to $0 without notice, issuance is effectively ~7 countries (not the advertised 150+), and the shared Rain top-up infrastructure was exploited in August 2026, hitting 636 Tria cardholders for $431,945 (refunds committed). Keep only needed funds in the card balance and treat the cashback program as discretionary.

Uphold Card

Back and verifiable: the Uphold Debit Card relaunched in the US with up to 4% back in XRP (Elite, $99.99/yr) or 2% (Essential, free), Visa acceptance with Apple/Google Pay, no credit check and FDIC pass-through on the USD balance. The trade-offs: rewards are XRP-denominated with conditions (holding periods, monthly caps), the program's history is pause-and-restart, and support tickets show crediting/adjustment friction. US-only (no NY/LA/territories).

Trocador Swype

This is not a no-KYC spending card; it is a one-shot crypto-bought gift card with a KYC gate at activation. Buying with XMR through Trocador is genuinely private and the aggregator is well run, but the Swype program underneath (Reloadly Inc, Miami; US sponsor banks incl. Regions Bank) charges a 2.75% + $0.55 FX fee plus $2.50/month, expires the card 90 days after last activity and forfeits the remainder, bans ATM use outright, auto-declines 3DS disputes, and carries a 1.7/5 Trustpilot record of frozen funds. Treat it as a burn-after-using payment voucher for small amounts, never a card you park money on.