Best No-Fee Crypto Cards of 2026

• 3% cashback on the free Core tier, on the first $2,000 a month
• Self-custody: the issuer can’t move the contents of your vault
• Choice of Direct Pay or Borrow Mode

• Cashback is paid in the ETHFI token, not cash
• Core FX costs about 1% plus up to 0.5% (0% on EUR purchases)
• Borrow Mode interest starts immediately, with no grace period

ETHFI

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• No issuance or monthly fee on the EEA card
• 1% base cashback without staking
• Low 0.5% FX fee in the EEA

• Not available in the US, and closed to new UK users since September 2026
• The 10% top rate needs VIP or PRO status
• The EEA card moved to Bybit EU; terms differ from bybit.com regions

USDT (bybit.com); EEA: user-selected cashback currency

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• No issuance or monthly fee
• Credit Mode lets you spend without selling crypto
• Low FX fee for EEA and UK users

• Not available in the US
• Cashback only in Credit Mode, with a balance above $5,000
• Best rate depends on holding NEXO tokens

NEXO or BTC (user choice)

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• No annual fee and no foreign transaction fee
• Up to 4% back on gas, EV charging and transit, 3% on dining and 2% on groceries
• No staking, balance or subscription needed for any rate

• Only for US residents, and approval depends on your credit
• The 4% rate is capped at $300 of spend a month, then 1%
• Purchase APR of 16.74%–34.74% if you carry a balance

Bitcoin by default, or a chosen crypto from 50+ on Gemini

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• 1% Saveback, or 2% when paying with crypto
• Saveback can be invested into a crypto savings plan such as Bitcoin
• No monthly fee and a free virtual card

• Saveback needs at least €50 a month in savings plans
• Rewards are capped at €1,500 of spending a month (€15, or €30 with crypto)
• Crypto features only in 11 countries

Invested into a savings plan of your choice (stocks, ETFs or crypto, e.g. Bitcoin)

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• Flat 1% cashback for all users, with no tiers or staking
• Cashback paid in the crypto you spend
• No monthly fee and free first card

• Only for euro-area residents
• No cashback when paying with EUR, stablecoins or metals
• ATM withdrawals cost 2% (minimum €2)

The same cryptocurrency used for the purchase

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• Self-custody: funds stay in your MetaMask wallet until you pay
• 1% cashback in mUSD on the free tier
• No issuance or monthly fee for the virtual card

• New US and UK sign-ups are closed
• Only a virtual card for new users
• Spending non-stablecoin crypto costs 0.875%

mUSD

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• No annual fee and no card issuance fee
• Cashback from 1.5% with no BNB holding or subscription
• Two free ATM withdrawals a month

• Only available to residents of Brazil
• Custodial: spends from your Binance exchange balance
• 0.9% conversion fee when you pay with crypto

BRL

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• Self-custody: your balance sits in a smart wallet you control
• 1% cashback on the free Starter tier, paid in stablecoins
• Free virtual card and no annual fee

• Higher tiers require staking (locking) COCA tokens
• A monthly claim limit caps how much cashback you can withdraw ($15 a month on Starter)
• Not available to US residents

Stablecoins (e.g. USDC, EURC)

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• One of the few crypto cards available in the US (all states except Hawaii)
• No monthly fee and free top-ups from a linked bank account
• Spends straight from your Coinbase balance

• Reward rates are variable and only shown in the app
• Coinbase’s UK/EEA page says Apple Pay and Google Pay are not supported
• A spread applies when crypto is converted at payment

Rotating selection of crypto assets (user-chosen)

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• Free Visa Signature card with no issuance or annual fee
• Self-custody smart wallet secured by passkeys
• Split purchases into up to 9 fixed-rate installments

• Virtual only: no physical card
• 1.5% FX fee on non-USD purchases
• No cashback programme

Not verified

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• Rewards paid in bitcoin, uncapped at the 0.25% base rate
• No card fee and no monthly fee
• FDIC pass-through eligibility on the card’s USD balance

• US residents only
• The base rate is just 0.25%; 3% needs a $100,000 Fold Reserve balance
• Boosts apply only to the first $5,000 of spend each month

Bitcoin

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• No issuance or monthly fee
• Cashback paid in BTC, with no staking or tiers
• Apple Pay and Google Pay

• A 1% conversion fee on every card payment
• Virtual only; physical cards are planned for 2027
• Cashback capped at $100/€100 a month and $1/€1 per transaction after the intro period

BTC

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• No monthly, transaction or Krak FX fee
• Cashback in euros, pounds or bitcoin, with no monthly cap
• Free virtual and physical card, shipped for free

• No cashback until your 30-day average balance reaches €200
• The 2% rate needs a €50,000 average balance
• A spread applies when crypto is converted at payment

EUR or GBP (card currency) or Bitcoin, user’s choice

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• 1% cashback in BTC or a stablecoin, no staking required
• No monthly fee and a free virtual card
• Available in the US, UK, EEA and several other countries

• 2% card-spend fee when paying with crypto, plus 1.75% crypto-to-fiat conversion
• Custodial: you move funds from Ledger to a card account first
• No free ATM withdrawals

BTC or USDT (BTC or USDC in the US)

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• No issuance, monthly or FX fee
• 2% cashback for non-VIP users when you pay in USDG
• Apple Pay and Google Pay

• Virtual only: OKX doesn’t issue physical cards
• Cashback only on USDG payments; USDC spending earns nothing
• Non-VIP cashback is capped at €50 a month

USDG

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• DePay spends straight from MetaMask, Trust Wallet, Phantom and other wallets
• No fee to get or keep the card, and no monthly fee
• Available in 74 countries, including the US, UK and most of the EEA

• 1% fee on every card payment (minimum $0.25)
• Cashback rates aren’t published; non-OOB payments earn cashback only on the first $200 a month
• Virtual card only; no physical card described

Not verified

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• Self-custody: you control your funds at all times
• Card payments settle privately on Payy Network
• No application, monthly or top-up fees

• No cashback; Payy Rewards points have no monetary value
• International terms allow FX and cross-border fees of up to 3% each
• Bank deposits only from the US and Argentina for now

Not verified

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• No fee to get the card and no monthly fee
• Spends from a self-custodial Cash account on Solana
• Apple Pay and Google Pay

• US only, and not in New York
• Virtual only, with no physical card
• No published cashback rate

Not verified

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• Any Revolut card can be switched to pay with crypto
• No exchange fee from Revolut on crypto card payments
• No monthly fee on the Standard plan

• No percentage cashback; rewards are RevPoints, not crypto
• Weekday fee-free exchange is capped at €1,000 a month on Standard, with 1% at weekends
• Crypto exchange fees start at 1.49% on Standard

RevPoints (loyalty points)

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• 1% cashback in USDC on the free Basic plan
• No monthly fee and a free virtual card on Basic
• Card balance sits in a smart-contract account you control

• Not available in the UK or EU
• Cashback is capped at $100 a month on Basic and $300 on Plus
• The 2% rate needs the $29.99/month Plus plan (or high spend or balance)

USDC (Polygon)

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• Self-custody: you hold the keys to your funds
• No issuance fee and no monthly or yearly fee
• Spends USDC on Base, including USDC sitting in Earn strategies

• Virtual only: the physical card is still “coming soon”
• Reward rates (TUYOs points) are only shown in the app
• Tuyo’s own pages disagree on FX and abroad fees

TUYOs (non-transferable reward points)

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• 1% cashback in GBP with no plan or balance requirement
• No annual fee and no foreign transaction fee
• Spend 15 fiat currencies or 300+ crypto assets from one wallet

• Crypto-funded purchases earn no cashback
• Cashback capped at £100 a month
• ATM withdrawals cost £2.50 in the UK and EU, £3.50 elsewhere

GBP

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• 0.5% cashback on the free Base plan, with no subscription on any plan
• No issuance or monthly fee
• Cashback paid in USD, not a volatile token

• Not available in the US
• Higher plans need a large balance and a share of it held in WPAY
• Conflicting information on FX fees between the product page and the EEA terms

USD

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