As cryptocurrency adoption grows globally, users increasingly demand real-world utility for their digital assets. Crypto payment cards (often called "U Cards") bridge this gap, enabling seamless spending of cryptocurrencies via linked debit/credit cards or mobile wallets. This guide compares 10 leading crypto cards—covering application processes, supported assets, fee structures, cashback rewards, and unique features—to help you choose the best option for your needs.
Best Crypto Cards for Beginners in Chinese-Speaking Regions
Bybit Card: Widely Accessible Exchange-Backed Card
- Key Features: No annual fee, low minimum balance, supports Chinese KYC.
- Application: Virtual card available for Australian (USD) or European (EUR) users; no address proof required for Australian version.
- Spending: Bind to Apple Pay/Google Pay; formerly compatible with Alipay/WeChat Pay (restrictions may apply).
- Fees: 0.9%–3% transaction fee; potential currency conversion costs.
- Promotion: 10% cashback for new users.
Bitget Card: VIP-Exclusive Virtual Card
- Key Features: Supports UnionPay/Mastercard; requires 30,000 USDT balance for eligibility.
- Spending: Bind to Alipay/WeChat Pay; works globally where Mastercard is accepted.
- Fees: 0.9%–3% transaction fee; additional charges for cross-currency trades.
SafePal x Fiat24: Full European Bank Account
- Key Features: Includes an IBAN account (EUR/USD/CHF/CNY) and Mastercard debit card.
- Application: Requires Arbitrum ETH for NFT minting and address verification.
- Fees: 1%–3% per transaction; 1% for withdrawals.
Morph Black Card: Premium "Crypto Credit Card"
- Key Features: Requires holding Morph Black NFT (0.87 ETH floor); offers 30% APY on deposits and travel perks.
- Fees: 0.3% forex fee; no annual fee.
Infini Card: Subscription-Friendly Virtual Card
- Key Features: Meow Card (Mastercard) and Rabbit Card (Visa) support Alipay/WeChat Pay; ideal for OnlyFans, ChatGPT, etc.
- Fees: 0.8% transaction fee + 1%–1.5% currency conversion.
Best Cards for International Users
Coinbase Card: Zero-Fee Spending
- Key Features: No fees for USDC transactions; supports US/EEA residents.
- Spending: Directly spend USDC; ATM withdrawals fee-free.
Nexo Card: European Crypto Credit Card
- Key Features: Borrow against crypto holdings; 0.5%–2% cashback in NEXO/BTC.
- Fees: 0.2%–2% forex fees; no annual fee.
RedotPay (Little Red Card): Visa for Hong Kong/Macau/Taiwan
- Key Features: Supports Binance Pay; 1%–3% transaction fees.
Decentralized (DeFi) Crypto Cards
MetaMask Card: Low-Fee Web3 Spending
- Key Features: Spend USDC/USDT/wETH on Linea network; 1% USDC cashback.
- Fees: ~$0.02 gas fee per transaction.
1inch Card: BTC/ETH Collateralized Spending
- Key Features: Borrow stablecoins against crypto; 2% cashback.
- Fees: 1.75%–2% per transaction.
FAQ
Q: Which card has the lowest fees?
A: Coinbase Card (0% for USDC) and Bybit Card (0.9%–3%).
Q: Can I use these cards with Alipay?
A: Bybit (EEA version), Bitget, Infini, and SafePal support Alipay/WeChat Pay.
Q: Are there cards for non-crypto holders?
A: Nexo and 1inch allow borrowing against crypto collateral.
👉 Compare crypto card fees side-by-side
Note: Some cards may have regional restrictions or require proof of residency.
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