Pay with Cryptocurrencies Like Bitcoin Using a Credit Card - Top 5 Best Crypto Credit Cards
Alongside traditional credit cards, some providers offer so-called crypto or Bitcoin credit cards. This article explains how these payment cards work and their advantages and disadvantages.
What Is a Crypto Credit Card?
A Bitcoin credit card is essentially a regular credit card that supports payments with cryptocurrencies.
👉 Discover the best crypto credit cards
Crypto credit cards allow users to withdraw money and pay in stores, restaurants, or cinemas, similar to conventional credit cards. The card, which integrates both crypto and fiat currencies (such as EUR, USD, or GBP), is linked to an online account. Some issuers also offer additional features like altcoin support, banking services, payment transfers, or forex functionality. Providers attract and retain customers through discounts, cashback programs, and referral incentives.
How Does a Crypto Credit Card Work?
Crypto credit cards operate on either the Mastercard or Visa system. This means they can be used at all acceptance points of the respective issuer. Payments can be made via contactless, chip, or PIN technology. Currently, these cards are only issued as prepaid (debit) cards, meaning users must load a balance in crypto before use.
Most crypto credit cards are free, but currency conversion fees apply during transactions. Some providers may also charge fees for card top-ups.
Two Types of Crypto Credit Cards
Generally, there are two types of crypto credit cards:
- Wallet-function cards: Users can transfer and hold Bitcoins directly in the card's wallet. During payment, the amount is deducted in Bitcoin at the current exchange rate. However, acceptance is limited due to fewer merchants supporting Bitcoin payments.
- More commonly available are preloaded Bitcoin cards, where the crypto balance is converted to fiat (e.g., EUR) upon top-up. Payments are then made in the card's fiat currency. These cards often come with a separate Bitcoin wallet.
Advantages of Crypto Credit Cards
- Everyday usability of cryptocurrencies
- Payments accepted wherever credit cards are supported
- No advanced crypto knowledge required
- High security (two-factor authentication, email/SMS notifications)
- No debt risk (prepaid debit structure)
Disadvantages of Crypto Credit Cards
- Only debit/prepaid cards available
- Few providers from Germany
- Limited cryptocurrency options (most support only Bitcoin and Ethereum)
Cashback Programs with Crypto Credit Cards
👉 Explore top crypto cashback cards
Many providers offer cashback programs, allowing cardholders to earn rewards on spending. Cashback rates typically range from low single-digit percentages. Some issuers reward users in proprietary tokens, while others offer direct fiat or crypto cashback. Tokens are blockchain-based assets, often used to foster long-term customer loyalty.
Comparing Crypto Credit Card Providers
Find the best Bitcoin or crypto credit card! Our detailed comparison below covers top providers.
Best Crypto Credit Card Providers
1. Bitpanda Visa Card
The Vienna-based Neo-broker Bitpanda specializes in crypto assets and offers its own Visa debit card. Bitpanda holds Germany’s BaFin-regulated crypto custody license.
- Annual fee: None
- Issuance fee: None
- ATM withdrawals: Free (up to BEST limit), then €1.50 per withdrawal
- Transaction fee: €0
- Token: Not required
- Cashback: In Bitcoin
- Extras: Google Pay compatible
2. Coinbase Visa Card
Coinbase is a U.S.-based digital currency exchange offering Visa cards in Germany since 2019.
- Annual fee: None
- Issuance fee: €4.95
- ATM fee: 2.49%
- Transaction fee: 2.49%
- Token: Not required
- Extras: Google Pay compatible
3. Crypto.com Visa Cards
Singapore-based Crypto.com offers multiple Visa card tiers with varying perks.
Midnight Blue Card:
- Cashback: 1% in CRO token
- Free ATM withdrawals (up to €200/month)
Ruby Steel Card:
- Cashback: 2% in CRO
- Free Spotify Premium
4. Binance Visa Card
Binance, one of the world’s largest crypto exchanges, provides a Visa debit card in the EU.
- Annual fee: None
- Cashback: Minimum 1%
- Extras: Google Pay compatible
FAQs About Crypto Credit Cards
Q1: Can I use a crypto credit card anywhere?
A: Yes, anywhere Visa/Mastercard is accepted.
Q2: Are there fees for crypto conversions?
A: Yes, most providers charge small conversion fees.
Q3: Which cryptocurrencies are supported?
A: Most cards support Bitcoin/Ethereum; some include altcoins.
Q4: Is my crypto safe with these cards?
A: Reputable providers use high-security measures like 2FA.