The Best Crypto Credit Cards of 2022

We are approaching 2020 and the year is just a few months away. In that time, it’s safe to say we will see some important changes in this market. The start of the year may be an exciting one for those who have been waiting on crypto cards because there could be more than 20 different providers by then!

The “best coinbase to buy” is a cryptocurrency credit card that can be used to purchase cryptocurrencies. The cards are available in the US, UK, Canada, Australia and Singapore.

The next generation of credit cards are crypto credit cards (also known as bitcoin credit cards). They have the appearance and functionality of a standard credit card, and you may use them anyplace Visa, Mastercard, or Amex are accepted.

(Not to be confused with crypto debit cards, which are more akin to a prepaid card.) Here’s a list of the finest crypto debit cards.)

Typically, banks or financial institutions offer crypto credit cards and provide you with a credit limit. Alternatively, your credit limit may be connected to the amount of bitcoin you own.

Crypto credit cards provide a number of advantages, including:

• Earning cryptocurrency rewards (like cashback rewards, but in crypto)
• The convenience of making direct crypto purchases
• Taking cash out of an ATM without first converting it to fiat money

While credit cards have their advantages, wise investors should remember to spend carefully, be aware of tax requirements, and pay off the amount each month to avoid paying exorbitant interest rates.

Comparison of Bitcoin Debit Cards

Read on for our top selections after we’ve ranked and researched the finest crypto credit cards on the market.

Card	Fees	Supported by cryptography	What Are the Benefits of Crypto?	Availability
Visa Signature Credit Card with BlockFi Rewards	There are no yearly fees and the APR ranges from 14.99 percent to 24.99 percent.	Bitcoin	Yes, for the first 90 days, you’ll get 3.5 percent bitcoin incentives; after that, you’ll get 1.5 percent.	United States of America of America
Revolut Card for Cryptocurrency	In-network ATMs have no costs. Free up to $1,200 per month for out-of-network ATMs, then 2%	Bitcoin, Litecoin, and Ether are all digital currencies. The cryptos it sells, however, may change from time to time.	Yes: Up to 1% crypto rewards in any of the accepted fiat or cryptocurrencies, depending on membership level.	Revolut supports EEA nations, as well as the United States, Japan, and Australia, among others, for personal users.
Gemini	There are no yearly fees. Variable APR of 12.99 percent to 23.99 percent. For cash advances, the interest rate ranges from 3 to 10%. There are no fees for ATM withdrawals.	Offers Bitcoin and 40 other currencies as incentives. (Further information is unavailable due to a queue.)	Yes, there are 3% cryptocurrency incentives for eating, 2% for grocery, and 1% for other transactions.	Residents of the United States. Cardholders may use their Gemini card at any Mastercard-accepting merchant worldwide.
MCO Card	With no fees, you may spend anywhere you choose. ATM costs are free for the first $200, then 2% per month for Midnight Blue cards, then 2% per month after that.	Bitcoin and up to 90 additional cryptocurrencies	Yes, after every purchase, you’ll get 1% back in CRO tokens. The more your investment in CRO, the greater the advantages. (A CRO holding of $500,000, for example, yields 8%.)	Singapore and the United States are two countries that have many similarities. are two countries that have many similarities.
Bluebird	There are no yearly or foreign exchange fees. At non-MoneyPass ATMs, there is a $2.50 withdrawal cost in addition to regular withdrawal fees. Fees for cash pick-up at Walmart start at 3% for $500.	Bitcoin is offered on peer-to-peer (P2P) exchanges.	No, but cardholders who join American Express get purchase and fraud protection, as well as emergency and roadside assistance, among other perks.	Residents of the United States may use it, but MoneyPass cards can use it elsewhere in the world.
Nexo Swipe is a game developed by Nexo. is a game developed by Nexo.	There are no monthly fees or foreign exchange expenses.	Bitcoin and Ripple are among the 17 cryptocurrencies.	Yes, you may get 2% cashback in Bitcoin or Nexo Tokens, the company’s own cryptocurrency. If you hold stablecoins and cryptocurrencies like Nexo Tokens, you may earn interest on them.	Although Nexo is widely available, it is subject to limitations in Iran, Cuba, and Estonia. More than 40 million shops accept it.
Celsius	No fees will ever be charged by Celsius.	Bitcoin, Ethereum, Gemini Dollar, and Litecoin are among the 14 cryptocurrencies available on the Celsius Network.	Maybe: At the time of writing, full specifics on the benefits were unavailable, although Celsius intends to give cashback when you spend and weekly rewards on any crypto currencies you own.	The full information have yet to be released.
Embily	$1.00 to load a card The monthly service fee is 2 EUR. Successful point-of-sale transactions cost 0.25 EUR each transaction and cost 5 EUR per card/1 EUR per virtual card. Fees for international transactions may apply.	BTC, ETH, USDT, USDT, TRON, and BNB are among the six currencies.	No, however there are incentives and referral money under the referral program.	Embily is accessible to UK and European citizens, and cards may withdraw money from ATMs anywhere around the globe, with the exception of Afghanistan, Iraq, and Iran. The full list may be seen on the website.

Crypto enthusiasts now earn bitcoin rewards on every transaction they make with the BlockFi Rewards Visa® Signature Credit Card.

By providing your name, email address, and password, you may apply for the card online. It’s available to everyone in the United States who has a BlockFi account, and it may be used at any business that accepts Visa.

Fees

APR ranges from 14.99 percent to 24.99 percent. There are no yearly fees.

Cryptocurrencies are accepted.

Bitcoin

Rewards

For the first 90 days, you’ll get 3.5 percent Bitcoin incentives; after that, you’ll get 1.5 percent.

Availability

United States

Advantages and disadvantages:

Pros:

• Pre-approval may be checked without damaging your credit score.
• There are also other advantages, such as no international transaction costs.
• Bitcoin has the potential to provide passive revenue.

Cons:

• Only a few spots are available (United States only).
• Only corporate accounts have access to this feature; personal accounts do not.
• Bitcoin is the only currency available.

Conclusion: Customers who want to earn cryptocurrency on every transaction may choose the BlockFi Rewards credit card.

 

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Credit Card from Revolut

Revolut is a firm that specializes in digital banking. It collaborates with BitPay to facilitate Bitcoin, Ethereum, and Litecoin payments, among other cryptocurrencies.

Users must first open a Revolut Crypto credit card account, after which they may purchase cryptocurrency in one of three ways:

• Now is the time to buy (cryptocurrency should be purchased right now).
• Auto-exchange for future purchases (buy if/when the cryptocurrency reaches a price goal you choose);
• Buying on a regular basis (buy each month at a set time).

Each of them has its own set of procedures, which Revolut explains in detail on its website.

Fees

Revolut may impose costs for trading cryptocurrencies in addition to a monthly fee, depending on the price tier. Details may be found on their plan comparison page.

Cryptocurrencies are accepted.

Bitcoin, Litecoin, Ether, and two additional cryptocurrencies are available. (This information is subject to change.)

Rewards

The benefits differ based on the subscription. The top-tier Metal membership ($16.99 a month) comes with a slew of perks, including up to 1% cashback at participating shops in any of the company’s supported fiat and cryptocurrency currencies, free airport lounge access if your flight is delayed, no-fee currency conversion, and more.

Countries that are available

Revolut supports EEA nations, as well as the United States, Japan, and Australia, among others, for personal users.

Pros:

• Makes it simple to pay for everyday goods using cryptocurrency.
• There are no hidden costs for international transactions.
• Business and ordinary clients may open accounts.

Cons:

• Account users are unable to make deposits via a third-party app, resulting in certain limitations.
• Withdrawals on weekends are subject to additional costs.

Conclusion: The Revolut credit card is a wonderful choice for frequent travelers who want a card that is simple to use.

 

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Gemini

Gemini is a bitcoin exchange with a cryptocurrency credit card.

The organization allows you to use your digital money exactly like any other credit or debit card, anywhere in the globe. Over 40 different cryptocurrencies are available on the market, and deposits and account holders get their rewards promptly.

The card has no additional costs for purchases or ATM withdrawals, and it also includes other benefits such as 24/7 customer service and fraud protection.

Fees

There are no yearly fees. APR ranges from 12.99 percent to 23.99 percent. For cash advances, the interest rate ranges from 3 to 10%. There are no ATM fees.

Cryptocurrencies are accepted.

Offers bitcoin and 40 other currencies as incentives. (Further information is unavailable due to a queue.)

Rewards

Dining rewards are worth 3%, groceries are worth 2%, and daily expenditures are worth 1%.

Availability

Only residents of the United States are eligible. The Gemini card may be used everywhere in the globe that accepts Mastercard.

Pros:

• Real-time conversion of cryptocurrency prizes.
• Dining, grocery, and other purchases get cashback.
• There are no yearly or exchange fees.

Cons:

• Due to the current waiting, only limited information is accessible.

Conclusion: The Gemini credit card is a fantastic choice for residents of the United States who eat out often, want to earn rewards in real time, and want to receive cashback on daily purchases.

 

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Visa for Crypto.com (formerly known as MCO)

The Crypto.com card, formerly known as the Monaco or MCO credit card, is a real card that allows you to convert your cryptocurrency into fiat cash and use it to make transactions everywhere Visa is accepted.

The card has numerous reward levels, and your ability to access them is determined by how much you’ve invested in its native token, CRO. For example, if you put $500,000 into a CRO stake, you’ll get 8% back in CRO incentives, whereas a free CRO stake would earn you 1%.

Before buying in CRO, please do your homework, including looking at its price history. CRO’s worth is expected to reflect Crypto.com’s perceived value; although the firm is working extensively in promoting its brand, it is still relatively young.

Fees:

With no fees, you may spend anywhere you choose. ATM fees are waived for the first $200 per month for Midnight Blue cardholders, then 2% thereafter.

Cryptocurrencies accepted:

Bitcoin, as well as up to 90 other cryptocurrencies.

Rewards:

Every purchase will earn you 1% in CRO rewards. The larger the prizes, the higher the tier.

Availability:

Singapore and the United States

Pros:

• It is simple to convert cryptocurrency to fiat currency.

Cons:

• The price of CRO might be fluctuating (think of it like buying stock in Crypto.com).

Conclusion: The Crypto.com Visa credit card is a smart choice for those who want to keep their costs low or who feel Crypto.com will be a long-term contender.

 

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Bluebird

The Bluebird card may be used at any American Express-accepting business.

To get started, create an account and fund it with money. There are various financing sources available to you, including:

• Deposits made directly into your bank account
• Cash
• Savings or checking accounts
• Check
• Visa debit card
• Request for funds

 Fees

There are no yearly or foreign exchange fees. At non-MoneyPass ATMs, there is a $2.50 withdrawal cost in addition to regular withdrawal fees. Fees for cash pick-up at Walmart start at 3% for $500.

Cryptocurrencies are accepted.

Bitcoin may be obtained via peer-to-peer (P2P) exchanges.

Rewards

There is no cashback, but customers who sign up for an American Express card get purchase and fraud protection, as well as emergency and roadside assistance and other perks.

Availability

Residents of the United States may use it, but MoneyPass cards can use it elsewhere in the world.

Pros

• MoneyPass stations all around the globe provide access.
• Families will like it.
• At Walmart, you can add cash for free, but withdrawal costs apply.

Cons

Conclusion: The Bluebird credit card is suitable for those without a bank account or credit history.

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Nexo Swipe

The Nexo credit card is linked to your Nexo account and is presently accepted by 40 million Visa-accepting businesses globally.

Nexo Swipe may be used in conjunction with the Nexo wallet. Enter your email address and password to create an account. After that, go through the following:

• Conditions of use;
• Terms like wallet, trade, and earn
• And then there’s the policy on privacy.

Alternatively, you may use the Nexo app to create an account.

Nexo comes with a number of built-in features, including:

• At an ATM, you may see and change your PIN.
• Notifications of transactions.
• Monitoring of transactions in real time.

Fees

• There are no monthly, yearly, or foreign currency conversion fees.

Cryptocurrencies are accepted.

There are 17 cryptocurrencies, including bitcoin and XRP.

Rewards

• Cashback of 2% in Bitcoin or Nexo Tokens, the company’s own cryptocurrency.
• If you opt to invest in Nexo Tokens, you will earn 6% interest on stablecoins and 10% interest on altcoins.

Availability

Although Nexo is widely available, it is subject to limitations in Iran, Cuba, and Estonia.

Pros:

• Nexo accepts payments in the currency of the recipient.
• Cashback may be exchanged for NEXO tokens or bitcoin.
• The Nexo app allows you to order and manage your card.

Cons:

Conclusion: The Nexo Swipe credit card is ideal for Nexo users who want quick access to their fiat and crypto cash.

 

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Celsius

The Celsius crypto credit card lets you pay in a variety of cryptocurrencies while still providing many of the same perks as standard credit cards. If your paycheck is placed into your Celsius account, you may trade it for USD or convert it to any of the platform’s approved digital currencies at any moment.

Additionally, any purchases made outside of the United States and Canada are subject to a 0% international transaction charge. (Because the card has not yet been released, some of these details may change.)

Fees

No fees will ever be charged by Celsius.

Cryptocurrencies are accepted.

Bitcoin, Ethereum, Gemini Dollar, and Litecoin are among the 14 cryptocurrencies available on the Celsius Network.

Rewards

At the time of writing, full specifics on the benefits were unknown, but Celsius intends to pay cashback when you purchase, as well as weekly rewards on any crypto currencies you own.

 Availability

The full information have yet to be released.

Pros:

• You have three options for paying your balance: money, prizes, or stablecoins.
• Weekly bonuses are available.
• No fees

Cons:

• The card’s full information aren’t accessible.

Conclusion: The Celsius credit card may be a suitable choice for cardholders searching for a no-fee card with regular rewards and spending freedom. (More details to follow.)

 

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Embily

Embily bills itself as “the world’s simplest method to spend bitcoin.”

It may be used for internet purchases, POS transactions, ATM cash withdrawals, and person-to-person transactions.

It takes only six minutes to open an account, and cardholders top up by sending cryptocurrency to a legitimate email address. To top up your account, go to your account’s blue “Add Crypto” button, examine the currency cryptocurrency rates, and click the currency’s name.

Fees:

There are a number of charges that must be paid, including:

• $1.00 to load a card
• EUR 2.0 monthly service fee
• Transactions at the Point of Service That Work 0.25 EUR per trx
• Fees for international transactions may apply.

Cryptocurrencies accepted:

BTC, ETH, USDT, USDT, TRON, and BNB are among the six currencies.

Rewards:

Bonuses and referral payments are paid out as part of the referral program.

Availability:

Embily is accessible to UK and European citizens, and cards may withdraw money from ATMs anywhere around the globe, with the exception of Afghanistan, Iraq, and Iran. The full list may be seen on the website.

Pros

• Apple Pay allows you to make contactless payments.
• Additional protection.
• Payments made on an individual basis and that can be tracked.

Cons

• Each currency has its unique address, which may be confusing and lead to topping up errors.

Conclusion: The Embily credit card is a wonderful choice for persons who get regular monthly payments or who want a low-cost, safe account to invest in cryptocurrency.

 

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Using Bitcoin Credit Cards: Some Pointers

At Bitcoin Market Journal, we’re all about assisting you in making informed financial choices when it comes to cryptocurrency. This is especially true with bitcoin credit cards, which have their own set of risks.

Examine the Small Print

Problem: Crypto cards’ charge structures are convoluted, and there is a lack of uniformity across them. This is due to the fact that the “bridge” between digital and conventional payment systems (such as VISA and crypto) is still under construction.

Do your homework, that’s the solution. Some of these cards don’t come with the same benefits as regular credit cards. In addition, their yearly fees are greater. Even if earning bitcoin rewards seems exciting, you could be better off using a standard credit card (once a year, you can still use your cashback rewards to buy bitcoin).

Check to Make Sure It’s a Credit Card

Problem: Despite the fact that many businesses call their goods “crypto credit cards,” they don’t operate like standard credit cards. Many of them are really crypto debit cards, in which you withdraw funds from your crypto account rather than creating a credit line.

Solution: Credit card firms should define what a “crypto credit card” and a “crypto debit card” are, as well as educate investors on the benefits and drawbacks of each (as we are here).

Check to see if it is available in your country.

Problem: Because this business is still in its infancy, most cards are exclusively accessible in certain countries, and all cards have conversion costs if used worldwide. These overseas costs might be perplexing; it’s sometimes more cost effective to pay cash.

Solution: Bitcoin credit card applications and websites should automatically recognize your country and simply state where it may be used and how much it costs to use it overseas.

Process Delays Should Be Avoided

Consumers are accustomed to credit cards allowing them to make immediate purchases, but crypto does not function in the same manner. A single crypto transaction might take anything from a few minutes to over an hour, or even many days to complete.

Solution: Bitcoin credit card applications should provide clear information about the transfer process as well as a continuously updated “tracking number” (similar to FedEx tracking) that displays what’s going on.

Beware of Fees and Volatility

Problem: If you’re keeping your local assets in cryptocurrency, be aware that the price might fluctuate significantly from day to day. (As previously indicated, some “bitcoin credit card” companies change you to a native token, meaning you now have volatility and a separate token.)

Solution: A three-swipe “tutorial” on Bitcoin credit cards should guide you through how digital assets function and how your holdings may alter over time.

What are the Benefits of Using Bitcoin Credit Cards?

The greatest offer for most investors is a credit card that lets you to pay off your monthly debt in dollars while still providing you bitcoin cashback incentives.

As a result, you get the best of both worlds: it works like a typical credit card, but with the extra benefit of earning cryptocurrency, which has given incredible profits over the previous three years.

TLDR SUMMARY: Gemini is our top crypto credit card because it fits all of the above criteria and adds one important perk that other cards may lack: real-time coin rewards that go directly to your Gemini account.

 

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