Crypto-backed payment cards are the future, I´ve said it. They have leaped from niche experiments to mainstream financial tools in 2025.
These “crypto credit cards” (a combination of true credit and prepaid debit cards) allow users to spend digital assets anywhere traditional cards are accepted, while earning rewards in cryptocurrency.
With rewards ranging from 1% to over 10% and widely varying fees, picking the right card can significantly impact a user’s costs and benefits. Below we provide Cryptobitmag´s top 5 crypto credit cards of 2025, comparing their crypto rewards, fees, supported currencies, global availability, user experience, and security features.
We also highlight a special segment on the best options for Latin American users, where crypto cards are gaining momentum as everyday financial tools.
1. KAST: The Gold Standard of Crypto Credit Cards in 2025
KAST has built one of the most complete lineups of Visa crypto cards in the industry. Options range from:
- Standard “K Card” – an entry-level option with strong rewards.
- Special Editions – Solana Card, Bitcoin Card, and Kast Black Card for power users.
- Exclusive Tiers – the prestigious Founders Edition and even a solid gold card.
No matter the tier, every KAST card delivers powerful rewards and true global usability.
Why KAST Leads in 2025
The KAST Crypto Card has surged to the forefront thanks to:
- Borderless spending: Use USDC, USDT, or KAST’s own USDₑ across 100M+ Visa merchants and ATMs worldwide.
- No bank required: Spend crypto directly with a simple KYC process (it's less than 3 minutes) and instant virtual card issuance.
- Seamless conversion: Crypto automatically converts to local currency at checkout with near-zero fees.
- Bank-like features: Includes virtual USD accounts and multi-chain support, blending Web3 with familiar finance.
Rewards & Fees at a Glance
KAST is unmatched in rewards, offering:
- Cashback: 4% (Standard tier) up to 8–12% on premium tiers.
- Solana staking integration: Earn an extra 3.5%–21% APY by staking SOL with KAST’s validator.
- Loyalty points: Every transaction generates KAST Points for future airdrops and bonuses.
- Annual fees: From $0 (Standard) to $1,000+ (VIP tiers with perks).
- Conversion fees: ~0%, among the lowest in the industry.
- Other fees: ~2% FX fee for non-USD purchases; $3 + 2% ATM withdrawals (higher flat fees abroad).
- High limits: Up to $20,000/day in ATM withdrawals, with no purchase caps.
Global Use & Security
As a Visa Platinum card, KAST offers global reach in 150+ countries (except a few regulated markets).
- Quick setup: 2–3 minutes for KYC, then instant access to a virtual card.
- Digital wallet ready: Works with Apple Pay and Google Pay for contactless spending.
- Security: Visa-level fraud protection, zero-liability guarantee, and in-app card controls.
- Inflation hedge: By relying on stablecoins, KAST helps users in markets like Latin America spend confidently without the volatility of BTC/ETH or the erosion of local currencies.
The Verdict
With its combination of high rewards, low fees, and borderless reach, KAST isn’t just a card, it’s a complete crypto finance solution. For 2025, it sets the gold standard, showing how crypto can move beyond speculation into everyday life.
2. Crypto.com Visa Card – High Rewards for the Crypto Savvy
Why It Stands Out
The Crypto.com Visa Card is one of the most established crypto cards in the world. Its tiered design offers something for every user, from casual spenders to high-net-worth investors who want premium perks.
Highlights
- Cashback rewards up to 5%, and as high as 8% with “Superstake.”
- Perks include Spotify, Netflix, and Amazon Prime rebates, plus airport lounge access.
- Available across North America, Europe, Asia, and now Latin America.
- No annual or FX fees, making it travel-friendly.
Rewards & Fees
- 0%–5% cashback (Obsidian tier tops out at 5%).
- Up to 8% if staking $500K+ in CRO.
- No annual fee, but CRO staking required for higher tiers.
- Free ATM withdrawals up to $200–$1,000/month depending on tier, then 2%.
- 0% foreign transaction fees.
Global Use & Security
- Now expanded into LATAM (Brazil, Mexico, Chile).
- Works worldwide at Visa merchants.
- Managed through the Crypto.com app with instant freeze/unfreeze and flexible spend options.
- Strong security: 2FA, biometric login, and Visa’s zero-liability protection.
The Verdict
For users willing to stake CRO, Crypto.com delivers top-tier rewards and perks that few competitors match. It’s ideal for lifestyle users who want both crypto cashback and premium benefits.
James Schwahn
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3. Gemini Credit Card – Instant Crypto Rewards for Everyday Spending
Why It Stands Out
The Gemini Credit Card focuses on simplicity and instant rewards. It’s a true credit card (not prepaid) backed by Mastercard, making it easy to use like any traditional card.
Highlights
- 3% back on dining, 2% on groceries, 1% everywhere else.
- Special 4% back on gas/EV charging.
- Rewards deposited instantly in your Gemini account.
- Choose from 50+ cryptocurrencies for your rewards.
Rewards & Fees
- 1%–4% rewards based on categories.
- No annual fee.
- No FX fees when traveling abroad.
- APR ~17%–29% if carrying a balance (avoidable if paid off monthly).
Global Use & Security
- Available only in the United States.
- Usable internationally thanks to Mastercard, with 0% FX fees.
- Sleek metal design with no printed number for added security.
- Full card management via Gemini’s mobile app (freeze, track, switch reward tokens).
The Verdict
The Gemini card is perfect for U.S. users who want instant crypto rewards without staking or preloading. It’s the most “plug-and-play” crypto credit card on the market.
4. Bybit Card – High Cashback for Active Crypto Traders
Why It Stands Out
The Bybit Card is tightly integrated with the Bybit exchange, making it perfect for active traders who want to maximize rewards and keep funds productive until spent.
Highlights
- Up to 10% cashback for VIP users, 2–5% for regular users.
- Idle balances on the card earn up to 8% APY through Bybit Savings.
- Perks include subscription rebates (Netflix, Spotify) and rotating promos.
- Available in Europe, Asia-Pacific, and Latin America (Argentina, Brazil).
Rewards & Fees
- 2%–10% cashback depending on VIP level.
- No annual fees.
- Conversion fee ~0.9%, FX fee ~0.5%.
- Free ATM withdrawals up to €100/month, then 2%.
Global Use & Security
- Works wherever Mastercard is accepted.
- Supports BTC, ETH, XRP, USDT, USDC, and more.
- Integrated with Google Pay, Apple Pay support coming soon.
- Security backed by Mastercard plus Bybit’s exchange-level protections.
The Verdict
Bybit’s card is tailor-made for traders: cashback, passive APY, and global usability. If you’re already on Bybit, this card is a natural fit.
5. Nexo Card – Spend Without Selling
The Nexo Card is unique because it lets you spend against your crypto collateral instead of selling it. You can toggle between Debit Mode and Credit Mode directly in the app.
Highlights
- Borrow up to your credit line while holding assets.
- Flat rewards: 0.5%–2% cashback (higher if taken in NEXO tokens).
- No annual or FX fees.
- Flexible repayment — no fixed deadlines as long as collateral is maintained.
Rewards & Fees
- 2% rewards in NEXO, or 0.5% in BTC.
- No annual or monthly fees.
- Credit APR ranges 2.9%–13.9%.
- Free ATM withdrawals up to €200/month, then 2%.
Global Use & Security
- Available in the European Economic Area and UK.
- Works with Apple Pay and Google Pay.
- Real-time app controls: freeze card, manage credit/debit mode.
- Security features include Mastercard SecureCode, KYC verification, and instant alerts.
The Verdict
Nexo bridges DeFi lending with real-world spending. It’s best for European crypto holders who want to borrow against assets and earn rewards without triggering taxable sales.
Side-by-Side Comparison: Key Features of Top 5 Crypto Cards
To summarize the top five cards, the table below compares their core features — card type, maximum rewards, notable fees, supported cryptocurrencies, and regional availability:
| Card | Type & Network | Max Rewards | Key Fees | Supported Crypto | Availability |
|---|---|---|---|---|---|
| KAST Crypto Card | Credit (Visa Platinum) | Up to 12%, 15% on SOL Card | $0–$1,000+ annual (tier-based); 0% conversion; ~2% FX; ATM $3 + 2% | USDC, USDT, USDₑ (multi-chain) | 150+ countries (ex. US/India/China) |
| Crypto.com Visa | Prepaid Debit (Visa) | Up to 5% (Obsidian), 8% with Superstake | No annual; CRO staking required; Free ATM up to $200–$1,000/mo; 0% FX | CRO (stake), BTC, ETH, USDC & more | Global + LATAM (Brazil, Mexico, Chile) |
| Gemini Credit Card | Credit (Mastercard) | 3% dining, 2% groceries, 4% gas, 1% all else | No annual; 0% FX; APR 17–29% if balance carried | Rewards in 50+ cryptos (user’s choice) | United States only |
| Bybit Card | Debit (Mastercard) | Up to 10% (VIPs), 2–5% standard | No annual; ~0.9% crypto conversion; 0.5% FX; free ATM ≤€100/mo then 2% | BTC, ETH, XRP, USDT, USDC, others | EU, UK, Asia-Pacific, LATAM (AR, BR) |
| Nexo Card | Hybrid Credit/Debit (MC) | Up to 2% in NEXO (0.5% BTC) | No annual; No FX; Credit APR 2.9–13.9%; Free ATM ≤€200/mo then 2% | BTC, ETH, stablecoins, NEXO (collateral) | Europe & UK only |
Best Crypto Credit Cards for Latin America (LATAM)
Cryptocurrency adoption is booming across Latin America in 2025, and crypto-enabled cards are increasingly seen as tools for everyday finance in the region. High inflation and limited access to traditional banking in some LATAM countries have made stablecoins and crypto an attractive “financial lifeline”
Recognizing this, many crypto card providers are expanding services tailored to Latin American users. Below, we evaluate the top crypto cards through a LATAM lens , considering availability in local countries, support for local currencies, partnerships with regional exchanges, and benefits designed for the region.
1. KAST Crypto Card – Once Again, The Top Pick in LATAM
KAST is leading Crypto Credit Card adoption across LATAM
Why It’s Strong in LATAM
- Lets users spend USD stablecoins (USDC, USDT, USDₑ) directly in local currencies.
- Shields users from local inflation, crucial in countries like Argentina or Venezuela.
- Instant signup with just a phone, no bank required.
Availability
- Supported in much of Latin America, with strong adoption in Brazil and Argentina.
Best For
- Users who want to hold dollars, spend locally, and avoid devaluation.
- Everyday spending without losing value to conversion fees.
2. Crypto.com Visa Card – Perks Go Local
Why It’s Strong in LATAM
- Expanded into Brazil, Mexico, and Chile in 2024.
- Same rewards as global program, plus regional promotions (“Level Up LATAM”).
Availability
- Broad LATAM rollout with full Visa support.
Best For
- Users who want rebates (Spotify, Netflix, Prime) plus cashback in crypto.
- Those comfortable staking CRO for higher rewards.
Santiago Hermoza
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3. Bybit Card – Trader-Friendly in LATAM
Why It’s Strong in LATAM
- Launched in Argentina and Brazil, two of the most active crypto markets.
- Offers up to 10% cashback for Bybit VIPs.
- Idle balances earn up to 8% APY until spent.
Availability
- Argentina, Brazil, and expanding across LATAM.
Best For
- Active Bybit exchange traders looking to merge trading with everyday spending.
4. Ripio DeFi Card – A Regional Innovation
Why It’s Strong in LATAM
- Lets users borrow up to 30% of crypto collateral for card spending.
- Cashback in Bitcoin on purchases.
- Built specifically for Argentina and Brazil.
Availability
- Operated regionally with Visa partnership.
Best For
- Users who want to spend without selling crypto.
- Crypto-savvy consumers in Argentina and Brazil.
5. Ugly Cash Card – The Rising Challenger
Ugly Cash has quickly become one of the most talked-about crypto cards of 2025. With a bold branding approach and competitive rewards, it positions itself as a user-first alternative to bigger names.
Highlights
Cashback rewards that scale with usage — ideal for active spenders.
- Transparent fee structure with no hidden conversion costs.
- Strong focus on community growth and rewards tied to user loyalty.
- Works across major global payment networks, ensuring wide acceptance.
- Major adoption on Ecuador.
Rewards & Fees
- Up to 5–7% cashback on purchases, depending on tier.
- No annual fees for base users, with premium tiers unlocking higher perks.
- Near-zero crypto-to-fiat conversion costs.
- Competitive ATM withdrawal limits compared to other mid-tier cards.
Global Use & Security
- Expanding aggressively into North America, Europe, and Latin America.
- Available as both virtual and physical cards.
- Backed by standard Visa/Mastercard fraud protections.
- In-app controls for freezing, setting limits, and switching funding sources.
LATAM Takeaway
- KAST is the strongest option thanks to its stablecoin-first model and borderless reach.
- Crypto.com appeals to users who want perks + cashback.
- Bybit is best for traders, while Ripio is tailored for local crypto lending needs.
- Ugly Cash is looking to take the throne, with aggressive campaigns in countries like Ecuador.
Frequently Asked Questions (FAQ)
1. What is a crypto credit card?
A crypto credit card allows users to spend cryptocurrencies like USDC, USDT, BTC, or ETH at traditional merchants by instantly converting them into fiat currency at checkout. Many also offer cashback in crypto.
2. How do rewards work with crypto credit cards?
Rewards vary by provider. Some cards (like KAST) offer up to 12% cashback in crypto, while others provide staking bonuses, loyalty points, or native token rewards.
3. Can I use a crypto credit card in Latin America?
Yes. KAST, Bybit, and Crypto.com are widely available in LATAM, letting users spend stablecoins at Visa or Mastercard merchants while avoiding inflation and high remittance costs.
4. Are crypto credit cards safe?
Yes. They typically use the same security measures as traditional credit cards (Visa/Mastercard protections, fraud monitoring, and mobile app controls). KAST, for example, offers instant freeze and spend-limit settings.
5. Do I need a bank account to use a crypto credit card?
Not always. Some cards like KAST let you spend stablecoins directly without linking a bank, making them especially useful in underbanked regions.
6. What fees should I watch out for?
Look for annual fees, foreign transaction fees, and ATM withdrawal costs. KAST has near-zero conversion fees but charges ~2% for non-USD transactions and ATM withdrawals.
7. Which is the best crypto credit card of 2025?
The KAST Crypto Card ranks as the top choice in 2025 thanks to its high rewards, borderless usability, and focus on stablecoins.
Sources
- CoinGecko – 2025 Q2 Crypto Industry Report (July 2025) – https://www.coingecko.com/research/publications/2025-q2-crypto-report
- CoinGecko – Top Crypto Cards Overview (2025) – https://www.coingecko.com/learn/top-crypto-cards
- CoinLedger – Best Crypto Credit Cards in 2025 (May 2025) – https://coinledger.io/blog/best-crypto-credit-cards
- QuickNode Blog – Best Crypto Payment Cards 2025: Compare Fees, Cashback & Rewards – https://blog.quicknode.com/top-10-crypto-credit-debit-cards-2025/
- Milken Institute – Global Digital Asset Adoption: Latin America – https://milkeninstitute.org/content-hub/insights/global-digital-asset-adoption-latin-america
- Kast - First Anniversary Recap - (July 2025) https://www.kast.xyz/blog/first-anniversary-recap
- The Best Bitcoin and Crypto Credit Cards in 2025 - (July 2025) https://decrypt.co/329755/best-bitcoin-crypto-credit-cards-2025
- ByBit Card - (February 2025) https://learn.bybit.com/en/bybit-card
Risk Disclaimer: Cryptocurrency investments carry significant risks, including price volatility, regulatory uncertainty, cybersecurity threats, liquidity constraints, and potential market manipulation. Consult a qualified financial advisor before investing.
Published: August-2025 | Update Scheduled in January-2026
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