Cards you can hold - for ATMs, hotels and the places where plastic still matters.
Short answer:ether.fi Cash is our top-rated physical crypto card as of 2026-11-07 (7.6/10), Basic KYC, 0% load fee.
cards on this page: 36 · issuing today (excl. watch list): 31 · independently verified facts: 78% · no KYC at first use: 3%
quick picks
physical card with the leanest cash costs→Goblin Card - $0 issuer ATM fee on the plastic, ~7-day tracked shipping, 3-year validity - the cash-access card, priced in the load fee
premium physical economics in the EEA→Bitpanda Card - free issuance, Visa/Malta stack, ATM at 2% or EUR 2 minimum - the cleanest published fee table in the physical set
cash-advance-free physical credit→Fold Bitcoin Credit Card - Celtic Bank plastic with no cash-advance feature at all - ATM risk removed by design, rewards carried by the credit rail
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.
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.
Full KYC1.5% backphysical card
0% load · 1.5% back in USD
Spend up to whatever is in your wallet - no hidden monthly spending caps (Premium cap <= $10,000/mo, Private <= $40,000/mo apply to cashback earn rates, not spending)Neobank 8 d ago
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.
Full KYC2% backphysical card0% FX
0% load · 0% FX · 2% back in cash (GBP/EUR) or BTC
Europe's cleanest all-asset debit card: spend any of 600+ cryptos or even precious metals from one EUR card with zero monthly fees, 0% own FX markup, generous EUR 280k/month limits and an MFSA-regulated issuer. The 1% cashback only pays on crypto payments, ATM withdrawals cost 2%, and it is euro-area only.
The most mainstream way to hold BTC next to a Visa debit - but the card itself never touches bitcoin: every spend requires selling first, which is a taxable event per transaction. Use it for the Boosts and the frictionless BTC auto-investing, not for crypto-native spending.
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.
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.
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.
The most aggressive rewards among exchange cards: 2-10% USDT cashback tiers, auto-interest on the card balance and 100% rebates on popular subscriptions - but it requires full exchange KYC and is explicitly unavailable in the EEA, and the platform carries the memory of the 2025 mega-hack it survived.
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.
Full KYCphysical cardself-custody0% FXclosing 2026-12-20
The EEA successor of the Bybit Card: clean 0.5% FX and uncapped 1% EUR cashback, but a separate bybit.eu account is required and the old bybit.com EEA card is closed.
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.
The only true bank in this comparison: a Gibraltar credit institution with deposit-guaranteed USD, savings interest paid daily in BTC (USD Savings 4.1% APY since 22 Sep 2026), worldwide metal card spending with no FX fees and high limits. But the general card cashback ended in July 2026 (now a taxi-only 3% campaign for Metal members), the $1,000/year membership makes it a wealth product, and crypto balances are NOT deposit-covered.
A US-registered, SOC-2-accredited exchange card with true point-of-sale crypto conversion - pick any listed coin as your spend wallet and it converts at the tap. The exchange and token ecosystem are mid-sized; the mechanism is the appeal.
A credible, well-backed self-custodial spend card with genuinely low fixed costs ($0 monthly/issuance/shipping, 0% APR) and true on-chain collateral custody in smart contracts. But it is not a privacy product (full KYC with SSN/national ID, GLBA data sharing), the rewards program is opaque (earn rates only in-app, statement-credit redemption at 70% of face), international FX is 'up to 3%' with a 1%-vs-2% disclosure conflict on the US side, and spending limits can be cut at Rain's sole discretion - with liquidation possible 'without prior notice'. Best for AVAX/stablecoin holders in the US (partial) and Latin America/Caribbean who want to spend against their stack; not for no-KYC users, and international terms (1-day payment window) behave much harsher than the US 21-day credit cycle.
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.
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.
Full KYCphysical card
0% load · no cashback
Spend limits apply (per terms; app-tier dependent)Exchange 50 d ago
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.
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.
Full KYC2% backphysical card
0% load · 0.2% FX · 2% back in NEXO or BTC
Higher limits via Nexo Private ($100,000+ assets)Fintech 36 d ago
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.
The most generous crypto-rewards credit card in the US market - up to 6% back in BTC or CRO with no annual fee - but the best rates require CRO staking or a Level Up subscription, BTC earn is capped by tier, and it is credit (with bureau approval), not a debit card you can top up with crypto.
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.
The most mature crypto prepaid card in the US - FDIC-member bank issued, $25k/month top-ups and clean tier structure - but the free tier earns nothing, real cashback requires a subscription or five-to-six-figure CRO stakes, and rewards are paid in volatile CRO.
Full KYC1.5% backphysical card
0% load · 3% FX · 1.5% back in CRO
$25,000 aggregated top-up limit per month (all tiers)Exchange 39 d ago
Gate Card exists, is actively developed and advertises the most aggressive cashback headline on this list (up to 8%), but the program is a black box: issuer unnamed, no published fees, no documented limits, regions defined only as 'non-restricted countries'. Fine as an exchange perk for heavy Gate users - hard to verify for anyone comparing card terms.
Full KYC8% backphysical card
1% FX · 8% back in points (redeemable for USDT or GT)
The most regulated issuer context for a crypto-rewards credit card (NYDFS trust, WebBank-issued Mastercard World Elite): 4% gas/EV/transit, 3% dining, 2% groceries, 1% elsewhere, no annual fee, rewards in BTC or 50+ cryptos. It is a credit product (bureau approval, no crypto funding), US-only, and the issuer carries a 2025-2026 withdrawal-security-hold complaint pattern at the exchange level.
The veteran (2014) reinvented as a stablecoin bank: fee-free FX worldwide, multi-currency accounts with 1:1 stablecoin conversion, real Visa/Mastercard principal memberships and an 8% headline cashback. Fee details hide in the help hub, and the El Salvador licensing move makes the regulatory story newer than its brand.
Full KYC8% backphysical card0% FX
0% load · 0% FX · 8% back in USD
Higher limits with the Wirex Private metal card ($100,000+ balance)Fintech 39 d ago
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.
The most token-aligned card on the market: Plasma One is a real, working stablecoin neobank (instant virtual Visa, self-custodial on-chain balance, broad fiat rails, transparent fee tables, genuinely strong headline cashback) built by the XPL blockchain team - and every part of its economics points back at the token. Cashback is paid in XPL, the paid tiers are bought with 12-month XPL locks, and growth is driven by referral codes rather than organic demand. The free Lite tier is honest value (2% on the first $500/mo, free virtual card) if you treat the XPL payout as a hot potato, but the Core/Platinum tiers ask you to lock a token that has lost ~95% from its ATH for 12 months to unlock rates that then step down to 0.25-1% anyway. Use Lite, cash out weekly, and skip the locks unless you would buy XPL anyway.
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.
Full KYC8% backphysical card0% FX
0% load · 0% FX · 8% back
EUR 30,000 (plus EUR 75,000/quarter and EUR 100,000/6-month caps)Crypto-native 38 d ago
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.
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.
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.
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.
Full KYC1.5% backphysical cardverify
1% load · 3% FX · 1.5% back in USDC and/or USDT (chosen by Tria; distributed on Ethereum, Polygon, Optimism or Arbitrum)
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).
The original crypto-rewards card (since 2015), now a subscription product paying 3-9% in its own PLU/PLUS tokens with merchant-funded perks - and no Bitcoin option. Card spending is paused during an open-ended banking migration with a terminated Modulr contract and a claim process for stuck funds, hence watch.
36 programs ship physical cards, and every one of them charges for the format somewhere outside the headline fee table - the pattern that defines this category is that plastic's costs are lifecycle costs, not fee-table costs, which is exactly why they surprise people who compare cards on the published rows alone. The visible rows are competitive - 29 with no monthly fee, median load fee ~0% - but the lifecycle costs are where plastic pays: replacement around $100 [1], expiry every ~3 years, issuance pauses (Plasbit, August 2026 [4]), and the shipping latency on day one. This page prices the format honestly: what it costs, what it uniquely buys, and when the virtual alternative is strictly better.
The physical card's real cost curve: order, ship, live, replace.
Cash access - the unique value
The ATM is the physical card's monopoly - the one rail a virtual card cannot reach at all (wallet-NFC exceptions aside, and those exceptions cost a documented premium on the programs that offer them). Two fee layers apply: the issuer's (0-2% across this set, with monthly free allowances at Nexo, Xapo, Wirex and Vivid) and the operator's surcharge, which no program can waive. The documented ranges make the comparison concrete: Goblin's plastic at 0% issuer fee [1], Fold's at $3.50 flat or free with Fold+ [8], Xapo at 2% after $100/month with a $2,000 daily limit. The binding constraint at the machine is usually the cap, not the percentage - $250-per-24-hours programs are slow emergency rails regardless of their fee row.
Live values from our database - details and caveats in each review. "-" = not published by the operator.
Goblin Cards, live capture - physical Mastercard plus virtual Visa with documented shipping and replacement economics.
The lifecycle as a cost center
Plastic economics live in four events, not in the fee table: the order (region check, KYC, issuance fee or free [2]), the ship (~7 days tracked [1]), the live period (~3 years), and the replace (~$100 [1], plus the pause risk documented at Plasbit [4]). A metal premium is an aesthetic line item, not an economics one - Plasbit's pause covered metal first [4], and no program's metal tier has ever paid back its premium in fees. 36 of the population ships plastic; 67% also provision wallets, so most programs let the format decision stay reversible.
Warning: An issuance pause is a program-economics signal. Plasbit's August 2026 language - "overwhelming demand", waiting list - reads as supply strain, and the virtual card kept working [4]. The response playbook: keep the virtual form active, do not load balances because the plastic looks premium, and re-check the program's terms before the next load. The virtual hub covers the BIN-sponsor risk that makes pauses worth watching.
ATM strategy, concretely
36 of the programs here, 67% with wallet support, and the ATM row is the one column where physical programs differentiate hard. Three rules survive every fee table on this page. First, know your network: in-network machines (Allpoint on Revolut US, the Sutton-Bank network behind Fold) dodge the operator surcharge that out-of-network machines add [8]. Second, size to the cap: withdrawals that exceed the daily cap are impossible at any fee, so the cap row is the emergency-planning number. Third, decline DCC at the machine - the zero-FX analysis documents why the terminal's home-currency offer is the most expensive layer in the stack (3-10%), and the ATM is where that screen bites hardest. A fourth rule is regional: the operator-surcharge layer differs by country, so a card with a named in-network partner in your country beats a nominally cheaper 0% card whose network you have never heard of - check the program's ATM-network page, not just its fee table.
The custody note for physical holders
14% of this page's population is self-custody - the physical format is orthogonal to the custody question, and worth stating: plastic from a self-custody program gives you the ATM rail and your own vault in one product, while plastic from a custodial program re-creates the issuer float that the self-custody hub exists to avoid. The format does not change whose balance it is; the architecture does.
Choosing from the ranking
78% of the fee data here is independently verified, 26 of the 36 programs carry rewards, 10 are credit products with no ATM path at all (Fold's Celtic Bank plastic [4,8]), and the median load fee is ~0% - which is to say, the fee table barely differentiates this category, and the lifecycle plus ATM economics are where the real comparison happens. Cash-first users: Goblin or Xapo by region, with the lifecycle costs priced in [1]. EEA premium-feel users: Bitpanda's published table [2]. US bitcoin earners: the Fold stack, where the plastic earns through the debit rail and Fold+ removes the ATM line [8]. And the honest closer: if your spending is 95% online and wallet-tap, the plastic premium never pays back - the virtual hub is your page, and the physical card is an emergency rail you order before you need it. The format decision, like every decision on this page, is a usage-shape decision first and a fee comparison second.
What does a physical card cost beyond the fee table?
The lifecycle. Shipping (about 7 days tracked, up to 14, at Goblin [1]), replacement fees (about $100 per card at Goblin [1]), expiry every ~3 years, and issuance pauses - Plasbit suspended new plastic and metal issuance in August 2026 with a waiting list [3]. None of these appear in the load/FX/monthly rows, and together they are the plastic premium. A physical card pays for itself only if the ATM and terminal access earns it back.
How much does cash actually cost on a physical crypto card?
Two layers: the issuer's fee and the ATM operator's surcharge. The issuer layer clusters at 0-2% - Goblin 0% [1], Nexo free to EUR 200/month by loyalty tier then 2%, Xapo free to $100/month then 2% with a $2,000 daily limit, Fold $3.50 flat (free with Fold+) [8]. The operator layer applies regardless of the program: the fee tables that say "third-party ATM operator charges may still apply" mean exactly that. Budget the operator fee separately; it is not the program's to waive.
Is the ATM fee different abroad?
Usually worse, in three stacked ways: the issuer's ATM fee, the operator's local surcharge, and - on non-USD programs - the FX layer from the zero-FX analysis. Some programs waive their own ATM fee worldwide (Uphold Elite, CoinZoom) while operator surcharges remain. The only defense at the machine: check the fee screen, decline DCC, and prefer in-network machines where the program names a network (Fold's Sutton-Bank network, Allpoint on Revolut US).
Do physical cards support Apple Pay too?
67% of the programs here support wallet provisioning [1] - and physical cards that provision into Apple/Google Pay give you both rails from one account. The format choice is not either/or on programs with both form factors: plastic for the terminal, wallet for the phone. The virtual-only trade-offs are covered in the virtual hub; the physical card's unique value is the rail that wallets cannot do.
Why is cash access worth anything in 2026?
Because terminals still decline wallet taps and some merchant categories still run imprint or deposit models - and because cash is the fallback layer when networks or programs fail. A physical card is the only format that works at every ATM on its network, which makes it the emergency rail of a crypto spending setup even for people who rarely use it. The self-custody hub crowd keeps one for exactly this reason.
What are the limits that actually bind at ATMs?
Daily and monthly caps, which are usually tighter than spend limits. Documented examples: Xapo $2,000/day ATM; Crypto.com prepaid daily caps $500-$2,000 by tier; KAST max $250 per withdrawal, three per 24 hours. The cap row matters more at the ATM than anywhere else - a 0% fee with a $250/day cap is a slow emergency rail. The card pages document each program's numbers with check dates.
Is metal worth the premium?
As economics, no - metal cards carry higher issuance or replacement premiums and weight in the pocket as the benefit. As durability, marginally: metal survives wallets better. Plasbit's pause covered metal too [3], which is the reminder that premium formats are the first to stop in supply crunches. The fee calculator will show the metal premium never paying back in fees; it is an aesthetic purchase - price it as one, alongside the golf-club membership and the fountain pen.
How long does shipping actually take?
Documented programs: Goblin ships internationally tracked in about 7 days, up to 14 [1]; RedotPay's terms have cited ~7 days worldwide. Shipping is also where region reality bites - a program that ships "worldwide" may still exclude your country on its restricted list, and customs can add days. Order before you need the card; the ~7-14 day window is the product's latency cost, and the virtual card in the same account is the bridge for those weeks - which is why both-format programs are the pragmatic default here.
What happens if my program pauses plastic issuance?
Existing cards keep working; replacements and new formats wait. Plasbit's August 2026 pause is the current case [4]. The playbook: keep the virtual form active (most programs issue both from one account), do not load for the plastic's sake, and read the pause's language - "overwhelming demand" with a waiting list is a supply signal, not a solvency signal, but both warrant smaller balances until it resolves.
Do physical cards earn rewards?
26 of the programs here carry ongoing rewards, and the physical format does not change the rate - rewards attach to spending, not to the card object. What the plastic does change is where you can spend: ATMs rarely earn rewards (and often trigger the ATM fee row instead), while wallet taps earn identically to the virtual card. The cashback hub holds the structure analysis; format-neutral.
Which is the best first physical card?
The one whose ATM row and region list match your actual geography. If EEA: Bitpanda's published table (free issuance, 2% or EUR 2 minimum ATM [2]) is the cleanest starting point. If global-cash-focused: Goblin's 0% ATM with the $100 replacement cost understood [1]. If US: the Fold stack, where Fold+ membership removes the $3.50 ATM fee [8]. Verify the region list on the card page before ordering - it is the one check that prevents the most common physical-card disappointment.
