best crypto credit card

Best crypto credit card in 2022

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In this article you get direct access to the best crypto credit cards.

With this crypto credit card comparison, we show you which crypto credit card has the best conditions, how high the limits are, which cryptos you can pay with and how much cashback you can earn.

What crypto credit cards are there?

In our crypto credit card comparison, we have examined several credit cards and our favourites have made it into this comparison. Namely, two credit cards from, but here all models are really recommendable, a card from Binance, BitPanda and Nuri. Royal Indigo and Jade Green – crypto credit card with many advantages

Investors who stake CRO equivalent to €3,500 in their own wallet for a period of at least 6 months can order the Royal Indigo and Jade Green.

These two prepaid Visa cards are really worth the investment, because in addition to an excellent cashback of 2%, users also get a refund on their monthly Spotify and Netflix subscription. The cashback is capped at US$50 per month. has announced changes to the Spotify and Netflix monthly subscription refund. Existing users will still receive a 100% refund of monthly subscription fees until 25 January 2023. After that, they will only receive the 2% cashback. New and existing users who upgrade to Royal Indigo or Jade Green will also receive the 100% subscription price refund for 6 months before receiving only 2% cashback.

Conditions and benefits

  • Stake at least €3,500 worth of CROs
  • 2% cashback on all payments, max. US $50 per month
  • Refund of subscriptions to Spotify and Netflix
  • Airport lounge access with LoungeKey™ for the cardholder.
  • Withdraw up to €800 free of charge

Binance Visa Card – The crypto credit card of the No. 1 crypto exchange

A crypto credit card comparison should not be without the Binance Visa Card. This is the Visa Card of the crypto exchange Binance. The Binance Visa can be used completely free of charge – with the exception of third-party fees, such as for cash withdrawals.

The Binance Visa works with the company’s own cryptocurrencies. Investors do not have to deposit money in a dedicated wallet beforehand, but simply purchase cryptocurrencies on the trading platform. These are then converted into the corresponding fiat currency in the event of a transaction.

Conditions and benefits

  • Own cryptocurrencies are converted into EUR in real time for payments
  • No deposit of fiat required in advance
  • Free application and use of the card
  • Can be used at all VISA acceptance points
  • Up to 8% cashback in the form of BNB, depending on own BNB assets

Nuri Visa Card – The crypto credit card from Germany

Bitwala has become Nuri and the credit card now has a modern design. But apart from this change, there are not many innovations.

The Nuri Visa is a debit card that is directly linked to the Nuri account or wallet. Those who are Nuri customers will also use the Visa Card, because it can be used to carry out transactions in everyday life.

Conditions and benefits

  • Card can be applied for free of charge
  • Free use at home and abroad
  • Bitcoin income account grants up to 4 % return p.a.
  • Regulated bank in the background
  • No cashback

Bitpanda Visa Card

One of the most exciting crypto credit cards comes directly from Bitpanda. The Bitpanda Card is a debit card and is automatically connected to the deposited wallet. To avoid a shortfall, investors can deposit a so-called fallback wallet. This can be any crypto or fiat currency. But precious metals or shares are also possible collateral.

Conditions and benefits

  • No fixed monthly or annual fees
  • Free use in the EURO area
  • Up to 2 % cashback as BEST VIP
  • Cashback payment in BTC possible
  • Fees for cash withdrawal and foreign currency usage

How do crypto credit cards work?

Crypto-credit cards work quite simply because they can be used to pay for everyday transactions with cryptocurrencies. It is important to understand that the models we compared are always debit or prepaid cards.

A debit card does not have a reference account from which a one-off sum is collected on the settlement date. Instead, a reference account is stored behind the debit card for the settlement of transactions. If there is no money or not enough money on it, the payments and cash withdrawals are rejected.

In the financial sector, debit cards are often not considered real credit cards, and users should be aware of this. Therefore, it can also happen that credit card acceptance points do not accept debit cards – but if the cards come from Visa or Mastercard, this scenario is almost impossible.

It is particularly often not possible to use them with car rental providers – here the credit card is typically pre-charged. This is not possible with debit cards.

If you use a provider who allows you to pay directly with cryptos, taxes may be incurred for the use of the crypto credit card, especially if the holding period is less than one year.

Cryptocurrencies and credit cards – how do they fit together?

Anyone who wants to buy cryptocurrencies knows that transactions are processed using the wallet. This allows investors to easily transfer cryptocurrencies to friends or to a trading platform.

But these use cases are rather niche use cases in real economic life. Those who think of financial transactions in everyday life tend to have shopping at the supermarket, filling up the car or paying for a service in mind.

It is precisely for these use cases that cryptocurrencies are suitable in very few cases at the moment. With a little creativity, however, you can also use your cryptocurrencies in everyday life. One popular option is crypto-credit cards. With these credit cards, cryptocurrencies can be used for online shopping or in stationary trade.

Especially users who hold a large part of their assets in cryptocurrencies can use their coins and tokens in everyday life with these cards. There are currently no interfaces between banks and wallet addresses, so crypto-credit cards are a necessary middleman between the new and old economy.

There are already numerous crypto-credit cards on the market today – with an upward trend. But a large offer is not only an advantage. Anyone interested in such a credit card should compare the offers to find the right model for their own requirements.

With our crypto credit card comparison 2022, we support investors in choosing the right crypto visa or crypto master card and show what really matters.

What types of crypto credit cards are there?

Currently, two different types of crypto-credit cards have established themselves. On the one hand, there are the so-called crypto prepaid cards, which can simply be loaded with cryptocurrencies, other credit cards or fiat currencies.

With these cards, the respective cryptocurrency is exchanged for a fiat currency at the time of the transaction. In most cases, this incurs costs or unfavourable exchange rates.

The second alternative is crypto-credit cards that are linked to a wallet address. Here, there is no need for a prior top-up. Instead, the credit card itself accesses the wallet or simply stores the cryptocurrencies to be used.

Prepaid credit cards

Anyone who wants a crypto credit card today will most likely go for a prepaid credit card. With such a credit card, you use your cryptocurrencies to load the credit card itself. In the course of the top-up, the cryptos are transferred into fiat. The actual payment is then made in fiat currency.

Thus, there are no real cryptocurrencies on the prepaid credit card either. A big advantage of this approach is that payment with such a credit card is possible almost everywhere. The prerequisite at this point, however, is that it is a Visa or Mastercard crypto credit card. These two providers have the highest acceptance on the market worldwide.

It is important to understand that a fee is often charged for the exchange from crypto to fiat. Investors should pay particular attention to these exchange fees. Some providers also support loading the credit card with fiat currencies as an alternative. This way, cryptocurrencies cannot be used, but if available, there are still the cashback programmes.

Crypto Wallet Credit Cards

The second important type of crypto credit card is called a crypto wallet credit card. With such a credit card for cryptos, the digital currency is not exchanged for a fiat currency, but stored on a wallet address that is assigned to the credit card.

Thus, a wallet credit card is a real crypto credit card where investors can profit from price changes in the meantime.

However, in practice, such crypto-credit cards usually only work with a corresponding app. The seeds of the credit card and the balances on the wallets are managed in this app. Here, investors can also deposit different currencies as a fallback solution in order to have liquidity in case of insufficient funds.

In practice, these crypto-credit cards are less common. Objectively, however, they are the better solutions.

How do I load a crypto credit card?

Anyone who wants to load a credit card for cryptocurrencies should first buy cryptocurrencies in advance. In the first step, users must register with the credit card provider of their choice and order the card.

Afterwards, one must log into the app of the respective provider. Here, one also gets access to a dedicated wallet that contains the cryptocurrencies to be transferred.

Basically, you now transfer your seed to the wallet of the provider. When transferring, users should make sure that the exchange rate for the respective cryptocurrency is good. Those who transfer cryptos at a high exchange rate will receive more euros for their deposited cryptocurrencies.

Now the exchange of crypto into fiat takes place – this is a controllable event and should be taken into account when deciding to use a crypto credit card.

Before choosing a provider, it is important to check it out. Read other customer reviews and only use established and trusted providers. With some providers, you can also deposit fiat currencies into the wallet for clearing.

In this way, you use a crypto credit card, but it also works without cryptocurrencies. This may be interesting for users who focus on cashback programmes to earn additional cryptocurrencies.

What is important about a crypto credit card?

If you are looking for a crypto credit card, you should compare the different cards with each other. In our crypto credit card comparison, we have compared the different models. We have defined different criteria that have an influence on the evaluation.


We attribute a significant share of the rating to fees, because credit cards with fees do not really fit into the modern financial market. Under the aspect of fees, we count issuing fees, annual fees and transaction fees.

Issuing fee

The issuing fee is a one-off amount payable when the credit card is issued. Our crypto credit card test shows that most credit cards are completely free. However, there are also some providers who charge a one-off fee – this should serve to cover their own costs.

The issuing fee is usually waived completely, but is sometimes up to €50. In particular, issuing a new crypto credit card after loss or upgrade can be associated with higher costs.

Transaction fees

In our view, the transaction fees are the most important fees when choosing a card. Experience has shown that it is worth taking a look at the terms and conditions of the contract to uncover hidden costs. Some fees only play a role for special customer groups, such as for use abroad.

If you use the card infrequently, you should compare the added value of using it with the fees incurred. In principle, low-cost cards are to be preferred and have a better rating.

Annual fees

Annual fees are a relic of classic banking. They are the exception rather than the rule with modern offers. However, it can also happen that the credit card provider combines numerous benefits with the card and finances them through the annual fee.

The crypto credit card test showed that only a few providers charge annual fees.


One point that is particularly practical is that you receive cashback for using a crypto credit card. The cashback can quickly offset fixed fees if you use the card regularly.

With some providers, there are also refunds of membership fees if they are paid via the credit card.

Cash withdrawals

For most credit card users, cash withdrawals are likely to play a minor role. The reason for this is obvious, as credit cards are primarily seen as a vehicle for cashless payments.

However, those who are abroad or want to use a service in a somewhat more conservative company will not be able to avoid cash payments in 2022.

The crypto credit card test shows that providers rely on fees when cash is to be paid out. These are mostly the third-party costs incurred when using the terminal. Normally, it is a percentage fee of the withdrawal amount.

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