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Best Crypto Debit Cards (2022)

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Interest in Bitcoin (BTC) and other cryptocurrencies is continuing to grow, but only a tiny percentage of merchants accept them.

Fortunately, more and more crypto debit cards are becoming available in the UK.

But they’re not all created equal. Some of the many crypto debit cards I’ve tested out aren’t a good deal.

In this list, I’ve collected together seven of (what I consider to be) the best crypto debit cards that are currently available in the UK.

This post is a top-level look at what’s available. But for each option I’ve included, you’ll find links to my hands-on reviews of each debit card.

Best Crypto Debit Cards

1. CoinJar Card

The CoinJar Card has only recently been released in the UK (February 2022).

And, without a doubt, it’s one of the best crypto debit cards that you can currently get in the UK.

Unlike many alternaitves out there, it’s also a “true” crypto debit card.

This means that you don’t need to manually convert your cryptocurrency into GBP before using the card.

Instead, the CoinJar Card automatically converts, on-demand, any of the 50+ cryptocurrency stored in your CoinJar wallets into GBP to cover any purchases made with the card. I prefer how this works, as it means you can keep your money stored in Bitcoin (BTC) or any other cryptocurrency for as long as possible.

You’ll be charged a 1% fee whenever the card converts a cryptocurrency into GBP to cover your spending. After looking at numerous crypto debit cards, this seems competitive to me.

And to make things better?

You’ll get 2 CoinJar Reward Points for every £1 you spend using this card.

These reward points can only currently be redeemed to pay for exchange fees when buying cryptocurrencies using CoinJar in the future (at a rate of 1 point per £0.01 of fee reduction). I’ve gone into more detail in my dedicated review of the CoinJar Card, but I think this is a pretty sweet deal.

Card TypeMastercard
Issuance FeeNone
Monthly FeeNone
Rewards2 CoinJar Reward Points per £1 spent
Supported Cryptocurrencies50+ (including Bitcoin & Ethereum)

CoinJar Card WebsiteCoinJar Card Review

2. Crypto.com Visa Card

Crypto.com Cards (MCO Visa Card)

Over the last couple of years, the Crypto.com Visa Card has been a popular option.

But recent changes to its card reward programme mean that it’s not as great as it once was.

It previously offered up to 8% cashback on your spending, plus a slew of other benefits (like rebates on Spotify, Netflix, and Amazon Prime subscriptions).

But now?

Cashback is now capped at 5% – and that’s only if you lock-up £300,000 worth of Cronos (CRO) for six months to get the Obsidian version of the card. To put that into context, it’s currently the price of the average home in the UK!

Lower-tier versions of the Crypto.com Visa Card are available though:

Card TierCashback (With CRO Stake)CRO Stake Required
Midnight Blue0%£0
Ruby Steel1%£300
Royal Indigo / Jade Green2%£3,000
Icy White / Frosted Rose Gold3%£30,000
Obsidian5%£300,000

There’s one thing I really don’t like about this crypto debit card:

If you top-up the card using a cryptocurrency in your account, you’ll be quoted no explicit fees.

However, the exchange rate you’re quoted might be lower than it should be. When I topped up my card using Litecoin (LTC), I was quoted prices that were about 2% lower than they should have been. Not good at all.

Card TypeVisa
Issuance Fee£4.99
Monthly FeeNone
RewardsUp to 5%
Supported Cryptocurrencies250+ (including Bitcoin & Ethereum)

Download Crypto.com AppCrypto.com Review

3. Coinbase Card

The Coinbase Card has been available in the UK since April 2019.

Like the CoinJar Card, it will automatically convert your preferred cryptocurrency, on-demand, to cover whatever purchases you make using the card.

Awesome. This makes spending some of your cryptocurrency stash practical, quick, and easy.

But I think that the Coinbase Card isn’t a competitively priced option. You’ll be charged a fee of 2.49% whenever it sells a cryptocurrency to cover the cost of anything you’re buying.

And unlike the CoinJar Card (which works exactly the same way), it doesn’t offer any rewards to UK residents.

Card TypeVisa
Issuance Fee£4.95
Monthly FeeNone
RewardsNone
Supported Cryptocurrencies8 (Including Bitcoin & Ethereum)

Coinbase Card WebsiteCoinbase Card Review

4. Wirex Card

The Wirex Card was one of the first crypto debit cards that I used.

But as more alternatives have launched in the UK, I think it’s become a less and less attractive option.

While you can get 2% cashback on your spending, you’ll have to pay £29.99 worth of Wirex Token (WRX) per month to get that.

However, you can also open a free account and still get 0.5% cashback on your in-store spending.

Here’s the thing I don’t like:

When I recently checked, I was quoted an exchange rate that was higher than it should have been (by about 0.5%) and another fee (of about 1.3%) to exchange GBP for Bitcoin (BTC). I think that’s too high.

Card TypeMastercard
Issuance FeeNone
Monthly FeeUp to £29.99
RewardsUp to 2%
Supported Cryptocurrencies9 (Including Bitcoin & Ethereum)

Wirex WebsiteWirex Review

5. Monolith Card

The Monolith Card doesn’t work like any of the other options in this list.

This card is connected to a non-custodial Ethereum (ETH) wallet (Monolith Wallet). This means that you’ll have 100% control of anything stored in the Monolith Wallet and be the only one that can access it.

Awesome.

But all the various fees that you’ll encounter make it quite a costly option to use on a day-to-day basis.

You’ll pay up to 2% in fees to top-up your card with GBP by converting any cryptocurrency stored in your Monolith Wallet – except if it’s Monolith (TKN), in which case you’ll pay 0% fees.

You’ll also be responsible for paying network fees when you top-up from your Monolith Wallet. This is the killer, as the average transaction Ethereum (ETH) transaction fee has frequently been in excess of $10 in 2022.

Card TypeVisa
Issuance FeeNone
Monthly FeeNone
RewardsNone
Supported CryptocurrenciesEthereum, Monolith, & "most common ERC-20 tokens".

Monolith WebsiteMonolith Card Review

6. CryptoPay Card

The CryptoPay Card has been around for years, but it’s never really impressed me.

On top of charging you to order a physical card (currently £5), it also has a monthly fee (currently £1). Most alternatives don’t charge anything to get a card – and have plans which don’t require any monthly commitments.

You’ll also have to pay 1% when you top-up your card by converting a cryptocurrency.

When I tested it out, I also found that I was charged a 1% fee when buying a cryptocurrency – with another 1% padded into the exchange rate I was quoted.

Card TypeVisa
Issuance Fee£5 for Physical Card
Monthly Fee£1.00
RewardsNone
Supported Cryptocurrencies37 (Including Bitcoin & Ethereum)

Cryptopay WebsiteCryptopay Card Review

What Do You Think?

Thanks for checking out this list of the best bitcoin debit cards!

Have a question? Or want to share what your favourite bitcoin debit card is?

Let me know in the comment section below!

19 thoughts on “Best Crypto Debit Cards (2022)”

  1. Hey, excellent article. Love your site.
    Just wondering. With the next crypto currency bubble looking imminent, Is it worthwhile to spend the tokens using these cards? rather than hodling them for dear life !

    Reply
    • Thanks for commenting, Kat!

      Spending cryptocurrency using a crypto debit card is the equivalent of cashing out that specific cryptocurrency. As I’m content with what I’m holding and not looking to sell it off, I currently just load-up my preferred crypto debit card with GBP for spending.

      Alternatively, you could setup a recurring purchase to replace whatever you’re intending to spend. An ever-growing number of places are introducing support for this (e.g. Crypto.com).

      Reply
      • Hi Dean,

        Pigging backing on this question, I’d be interested to know what card you are using that allows you to spend in fiat but earn points in crypto.

        Reply
        • Thanks for commenting!

          The one I’m currently using the most is the Crypto.com Visa Card (previously MCO Visa Card). This allows you to spend in GBP and earn cashback in Crypto.com Coin (CRO).

          Another crypto debit card that rewards cashback is the Wirex Visa Card. This gives you up to 1.5% cashback (on in-store purchases) in Bitcoin (BTC).

          At this moment, I prefer the Crypto.com Visa Card. Even if you get the card which requires no staking of CRO, you’ll get 1% in cashback on all spending. If that interests you, check on my Crypto.com review.

          Reply
  2. What Wirex offers is the best….however their support is awful, ticket only email system that takes an average of 3 days for a response (which is a very long time to not be able to buy food and essentials because there’s an issue on your account)… operators are unsympathetic and more often than not simply lie about the situation to you when you finally get an email back. You simply cannot trust anyone with your money that isn’t immediately contactable in the event of a problem.

    Reply
    • Ian, thanks for commenting!

      Sad to hear that. Others have said the same thing in the comments of my Wirex review. Did you manage to get the issue resolved in the end?

      Although I’ve switched to using crypto debit cards for my spending (the cashback is too good), I tend not to keep much on them – just in case there are issues.

      Reply
      • Hi Dean…. I still do use Wirex but always make sure I have accessible funds elsewhere. I read one of the comments on your article talking about a Plutus card that gives 3% cashback which is amazing, so I ordered one but it takes 12 weeks to come, still got about 3 weeks left to wait for it. Hoping for good things from it.

        Reply
        • Ian, thanks for commenting!

          I still have my Wirex card, but I’ve switched over to using the Crypto.com card because of the cashback (and better rates) it offers.

          Plutus does look good, but I need to dive-in a little more to that. When you do get it, let me know how you get on with it!

          Another option I’ve heard about is Swipe (acquired recently by Binance). It seems to work like Crypto.com, where you’ll need to stake some of their native cryptocurrency to unlock better cashback and rewards (e.g. Spotify, Netflix, and Amazon Prime cashback).

          Reply
  3. Hey great article! I think Wirex is actually the worst one from experience, Coinbase has too high fees while Crypto.com has too much high staking to get any benefit so it’s pretty much catered the rich.

    I currently recommend, and use Plutus.it already working UK and EU with 3% rewards for EVERYONE on all spending plus benefits. It’s non custodial and very similar to Monolith but better. Keep an eye out for Foldapp as well but that is only available in the US.

    Reply
    • Thanks for commenting, Nick!

      Crypto.com’s staking requirements are a little insane for the higher tiers. Last time I checked, I think it was about £168,000 to get the 5% cashback! But the lower tiers don’t seem that bad to me – about £168 locked up to 2% cashback, as well as 100% cashback on Spotify.

      You’ve caught my attention with Plutus.it though! Thanks for the tip – I’ll check it out! 😀

      Reply
      • Hey!

        I have and use Crypto.com’s card the 2’nd tier on 10.000 CRO stake (now you need 25000 CRO to stake)

        I can only say good things about it, for now!

        It’s my day to day card and the perks are really good. There is 0 fee’s and the conversion rates are on point! There is no monthly fee or any fee for sending fiat to it.

        Gives you 3% in CRO, which is convertible and you can charge the card with them from the app or you can stack and hold them as an investment. (CRO is still low 😉 )

        I was a fool not to make the 100k CRO stake before they made it 250k but that’s life. I’m missing on some good perks and also 5% in cashback.

        Reply
        • Thanks for commenting, Andrei!

          Great to hear your thoughts on it. My personal experience with the MCO Visa Card has been great too. Seems like a no-brainer when compared to the alternatives out there right now. I haven’t made as much use of it as I should have, but the cashback you can get when you buy gift cards through Crypto.com Pay is decent too (previously up to 10%)!

          You’re not the only one with regrets! But on the flip side, at least you’ve locked in that lower staking requirement – as they’re continuing to mess around with these numbers. I recently had an email that they’re increasing the staking requirements of your card from 25,000 CRO to 50,000 on 18/1/2021! Insane.

          Reply
  4. Hi Dean! thanks a lot for your articles, have been reading it with a big interest. I’d like to recommend you one more option for consideration. That’s not a crypto debit card but a prepaid debit card with a hot wallet linked to it. So there are 2 different products in one app and you can do crypto-fiat and fiat-crypto exchanges at rates indicated in the app. They are changing in real time but are always ok for me.

    Reply

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