Crypto Cards for Spending (2026): Rewards, Fees and Custody Compared | HodlCue
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Crypto Cards for Spending

A crypto card converts crypto or stablecoins to fiat at the point of sale, or in the case of self-custody cards pulls from your own wallet. HodlCue lists only cards that are live and operating, flags paused or defunct programs, and marks headline reward rates that collapse once caps and token staking are applied. Read each row on effective rewards after caps, total cost of ownership across FX, ATM, conversion spread and annual fee, custody model, and where the card is actually available. Custodial exchange cards and self-custody cards are compared side by side. Reward figures change often, so verify current terms before applying.

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MetaMask Card

MetaMask Card

Spenders who want a crypto rewards card

Crypto card Effective rewards: 1% cashback uncapped + MetaMask Rewards points (1 pt/$1) Reward asset: Cashback token/points (MetaMask Rewards)

MetaMask Card is a non-custodial crypto debit card that lets you spend your crypto assets directly from your MetaMask wallet without moving funds to a third party. It combines the convenience of a traditional card with full self-custody of your digital assets.

  • Non-custodial: you keep control of your private keys
  • Direct spending from MetaMask wallet
  • Supports Ethereum and ERC-20 tokens
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Nexo Card

Nexo Card

Spenders who want a crypto rewards card

Crypto card Effective rewards: 0.5-2% (credit-mode purchases only, not debit) Reward asset: NEXO (up to 2%) or BTC (up to 0.5%)

The Nexo Card is a crypto-backed credit card that lets you spend without selling your assets. It offers crypto rewards on everyday purchases, but is custodial and requires careful review of terms.

  • Spend crypto without selling your assets
  • Earn crypto cashback on purchases
  • No annual fee (depending on tier)
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Plutus Card

Plutus Card

Spenders who want a crypto rewards card

Crypto card Effective rewards: 3-9% PLU but only on eligible spend of GBP250-GBP1,000/month by plan; blended effective rate low Reward asset: PLU

The Plutus Card is a non-custodial crypto card that lets you earn up to 3% crypto back on everyday purchases, combining a prepaid debit card with a self-custodial wallet.

  • Non-custodial, full control over funds
  • Up to 3% crypto back on purchases
  • Supports multiple fiat currencies
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RedotPay Card

RedotPay Card

Spenders who want a crypto rewards card

Crypto card Effective rewards: 0% cashback (pure spending/off-ramp product) Custody: Custodial

RedotPay Card lets you spend cryptocurrency at millions of merchants worldwide. It is a custodial card, meaning the provider holds your funds, so you should understand the security and control trade-offs before signing up.

  • Spend crypto directly at millions of merchants
  • Automatic conversion to fiat at point of sale
  • Simple setup and user-friendly app
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Uphold Card

Uphold Card

Spenders who want a crypto rewards card

Crypto card Effective rewards: 4% (crypto/metals-funded) / 3% (fiat/stablecoin-funded) in rewards currency Reward asset: XRP (current rewards currency)

The Uphold Card is a crypto debit card that lets you spend your digital assets anywhere Visa is accepted. It offers flexibility and convenience but requires careful consideration of fees and security.

  • Wide range of supported cryptocurrencies and metals
  • Seamless spending directly from your Uphold wallet
  • No foreign transaction fees
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Wirex Card

Wirex Card

Spenders who want a crypto rewards card

Crypto card Effective rewards: 0.5% base; 8% only on Elite (EUR29.99/mo) with ~7.5M WXT locked and monthly WXT caps Reward asset: WXT

Wirex Card is a custodial crypto card that lets you spend digital currencies at millions of merchants. This review covers how it works, who it suits, and what to check before signing up.

  • Spend crypto at millions of merchants worldwide
  • Automatic conversion at point of sale
  • Cashback rewards on purchases
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Category FAQs

How do crypto cards differ from exchange balances?
A crypto card spends by converting crypto or stablecoins at checkout. Some cards pull from an exchange account, while self-custody cards authorize spends directly from wallets you control.
What makes a crypto card reward rate misleading?
Headline cashback often drops once monthly caps, token staking, or tier requirements apply. Compare effective rewards after FX, ATM, and conversion fees instead of the marketing percentage alone.
Are crypto card rewards taxable?
In many countries, rewards may be treated as income and spending can trigger a disposal event. Tax treatment varies, so confirm local rules before relying on a card for daily purchases.
Can I use a crypto card internationally?
Most cards rely on Visa or Mastercard rails, but issuer licensing still limits where accounts can be opened. Check supported countries, KYC requirements, and FX markups before traveling.
What custody risks come with exchange-linked cards?
Exchange-linked cards keep spending balances custodial, so platform solvency and account freezes affect both trading and card access. Self-custody cards reduce that dependency but add wallet-management responsibility.
Do paused or closed card programs stay listed here?
HodlCue flags paused or defunct card programs so readers know a product is not currently accepting new users even if the brand still appears in older marketing.