Updated 12 Sep 2026
Best virtual crypto cards
Crypto cards you can use in Apple Pay, Google Pay and online checkouts within minutes, no plastic needed.
What you need to know
A virtual card is issued instantly in the app and works online and in mobile wallets. For most people it is the fastest way to start spending crypto, and it avoids shipping delays and card fees.
Check two things before you pick one. First, wallet support: not every virtual card works in Apple Pay, Google Pay or Samsung Pay in every country. Second, ATM access: virtual cards cannot withdraw cash unless you add a physical card.
Some issuers charge a small fee to create a virtual card. We list it in the fees block of each review.
Ranked: virtual crypto 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 can be issued as virtual cards today, 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
Can a virtual card withdraw cash?
No. You need a physical card for ATM withdrawals.
Does a virtual card work in shops?
Yes, through Apple Pay, Google Pay or Samsung Pay where the card supports them.
How fast is a virtual card issued?
Usually within minutes after identity checks are approved.