Updated 12 Sep 2026
Best crypto credit cards
Cards that let you spend against your crypto as collateral instead of selling it.
What you need to know
A crypto credit card lets you spend without selling your crypto. The issuer gives you a credit line backed by the assets you deposit, and you repay it later.
The trade-off is liquidation risk. If the value of your collateral falls, the issuer can sell part of it to cover the line. Interest-free periods, the loan-to-value ratio and the repayment rules matter more than cashback here.
Spending borrowed funds may still have tax consequences in some countries. This page is a comparison, not financial advice.
Ranked: crypto credit cards
Ranked by editorial score · base-tier rates
Partner links earn us a commission. They never change the order.
1
Bleap
8.4
Bleap Finance
· Mastercard
Self-custody
· KYC full
· Apple/Google
Cashback
1%
Annual
€0
FX
0%
$10 signup bonus
Partner link
2
Gnosis Pay
8.1
Gnosis
· Visa
Self-custody
· KYC full
· Apple/Google
Cashback
1%
Annual
€0
FX
0%
Verified Sep 2026
Not a partner
3
Crypto.com
7.6
Foris DAX
· Visa
Custodial
· KYC full
· Apple/Google/Samsung
Cashback
0%
Annual
€0
FX
0%
Base tier pays 0%
Partner link
4
Nexo
7.1
Nexo
· Mastercard
Custodial
· KYC full
· Apple/Google
Cashback
0.5%
Annual
€0
FX
0.2%
$20 signup bonus
Partner link
5
Ether.fi Cash
Ether.fi
· Visa
Self-custody
· KYC light
· Apple/Google
Cashback
2%
Annual
€0
FX
1%
Verified Sep 2026
Not a partner
6
Wirex
4.5
Wirex
· Visa
Custodial
· KYC full
· Apple/Google
Cashback
0.5%
Annual
€0
FX
0%
EEA cashback ended Jun 2026
Partner link
How we picked
We kept cards that offer a credit line or a collateral-backed credit mode, then ranked them with the same ten-metric score as every page.
General comparison, not financial, tax or legal advice. Rules change — check with a local adviser.
Frequently asked
How is a crypto credit card different from a debit card?
A debit card spends your balance. A credit card spends a credit line secured by your crypto.
Can my crypto be sold?
Yes, if its value falls below the issuer’s threshold, part of it can be liquidated.
Is there interest?
Some cards are interest-free within limits; others charge interest on the drawn amount. Check each review.