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A crypto card is a debit or credit card linked to a cryptocurrency balance. When you tap to pay, the card either spends your stablecoins directly, swaps a crypto asset to fiat at the point of sale, or borrows against your crypto collateral so you can spend without selling. Most run on Visa or Mastercard rails, so they're accepted at any normal merchant.

ether.fi Cash and Plasma One tie for the lowest published FX fees among the cards we compare — 0% on USD and EUR, and 1% on all other currencies. Ready Metal also charges 0% FX (in EUR for European cardholders) using the unmarked Mastercard rate. See our full comparison for side-by-side numbers.

For consistent flat-rate cashback, ether.fi Cash leads at a flat 3% in wETH. Plasma One pays tiered cashback up to 4% in XPL (2% Lite / 3% Core / 4% Platinum). Ready Metal pays 3% in STRK with a monthly cap. Tria's premium tiers go up to 6% but cashback vests over months, so the realistic effective rate is closer to 2%. KAST's higher rates (up to 6%) come with annual fees of $1,000 or more.

Yes. Every crypto card we cover is issued under a regulated Visa or Mastercard program, which means full identity verification (ID document plus selfie, sometimes proof of address). There is no anonymous crypto card available from a legitimate issuer.

The card itself uses the same Visa/Mastercard fraud protection as any bank card. The bigger safety question is custody — who holds your crypto. Non-custodial cards (ether.fi Cash, Plasma One, Tria, Ready) keep your assets in your own wallet until each transaction. Custodial cards (Nexo, RedotPay) hold the balance for you, which is more convenient but carries counterparty risk.

Many don't — ether.fi Cash and Nexo are completely free, and Plasma One's Lite tier is free (its Core tier costs $120/yr or a 10,000 XPL lock-up, and Platinum a 100,000 XPL lock-up). Others charge for higher tiers too: Ready Metal is $120/yr, Tria Signature is $90/yr, KAST Premium is $1,000/yr. Always start with the free or cheapest tier and upgrade only if your spending justifies the fee.

Yes — they run on Visa or Mastercard rails, accepted at 100M+ merchants worldwide. The cost varies: ether.fi Cash and Plasma One charge 1% FX on non-USD/EUR; Nexo charges 0.2–2.5% depending on region and loyalty tier; RedotPay and KAST charge ~1.2–2%. For frequent travel, prioritize a card with a low foreign-currency fee.

Custodial cards hold your crypto on your behalf — you trust the issuer's security and operations (think of it like a bank). Non-custodial cards (ether.fi Cash, Plasma One, Tria, Ready) keep your private keys with you; the card transacts against your own wallet. Non-custodial is more secure but less forgiving — lose your keys and your funds are gone.

In most jurisdictions, yes — spending crypto is a taxable disposal that may trigger capital gains. The exception is "borrow-against-collateral" cards (Nexo in Credit Mode, ether.fi Cash) where you spend borrowed USD rather than selling your crypto — no disposal, no tax event. Always check with a tax professional for your country.

It depends on what you optimize for. Want maximum cashback? ether.fi Cash or Plasma One. Spend mostly outside USD/EUR? Same two, plus KAST for multi-currency settlement. Want to spend without selling your crypto? Nexo (Credit Mode) or ether.fi Cash. Want self-custody? ether.fi Cash, Plasma One, Tria, or Ready. Take our 2-question editor's pick wizard on this page for a personalised recommendation.