Top Crypto Card

Today, digital assets are becoming part of the everyday financial lives of millions of people. With the rise of innovative solutions, designed specifically for cryptocurrency businesses, the issuance of special cards that allow users to easily pay for goods and services directly from their cryptocurrency accounts has become an essential tool for seamless integration into global commerce.

Transferring cryptocurrencies to fiat using a card greatly simplifies the process of spending digital assets, freeing owners from the hassle of exchanging and transferring funds through an exchange. Despite the relatively young age of the market, some of the products on offer have unique advantages such as bonus programmes and cashback. Below, we will take a look at the best crypto cards, detailing their features, fees and bonuses.

What is a cryptocurrency card?

A cryptocurrency card is a special financial instrument that allows cryptocurrency holders to freely pay for various goods and services in the same way as with regular bank cards. There are two types: debit and credit. Each has its own unique features and advantages.

• Debit cards. Allow you to instantly convert your cryptocurrencies into regular currency when paying for goods and services.
• Credit cards. Allow you to borrow funds from the card issuer and repay the debt later, often offering additional benefits in the form of rewards in cryptocurrency.

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• minimisation of costs thanks to low commissions compared to fiat payment methods;
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How a debit cryptocurrency card works

A debit cryptocurrency card provides the same functionality as a bank card or a card issued from a digital wallet. Its main purpose is to provide access to your own funds to pay for goods or services. The difference between a crypto card is that you use funds stored in your cryptocurrency wallet.

How the best crypto card works:

1. Cryptocurrency wallet linking. Your cryptocurrency card is linked to your personal digital wallet containing your cryptocurrency.
2. Automatic conversion. During each transaction, your cryptocurrency is instantly converted into fiat currency (dollars, euros, etc.).
3. Use at any point of sale. You can use your card wherever your regular bank card is accepted.

This provides convenience and security when purchasing goods and services without the need to sell your cryptocurrencies on exchanges or manually convert them to fiat currency.

The organisation that issued the card is responsible for currency conversion. As a rule, cryptocurrency exchanges are responsible for issuing cards. They enter into agreements with VISA, MasterCard and other operators, which allows cards to be used in different regions of the world. Cryptocurrency is converted into fiat currency at the current exchange rate, so the fiat balance may change, while the amount of cryptocurrency remains the same.

Best crypto cards offer loyalty programmes that include cashback, discounts and other incentives expressed in various types of cryptocurrencies. For example, some cards return a certain percentage of the purchase price in BTC, ETH or other popular cryptocurrencies.

The main advantages of debit cards are:

• ease of use;
• instant payments;
• the ability to save on international fees and currency exchange transactions.

However, it is important to remember that volatility affects the current balance in fiat. Be sure to familiarise yourself with the tax legislation governing cryptocurrency transactions. Some countries impose an additional tax on the use of non-fiat funds.

Nexo Card

The Nexo cryptocurrency card combines the convenience of standard bank cards with digital asset management capabilities. Its functionality includes both credit and debit modes, providing maximum freedom of choice and control over funds.

In debit mode, the card earns up to 14% per annum on the balance, allowing you to effectively manage your cryptocurrency. A variety of cryptocurrencies are supported, including stablecoins, which provides confidence in exchange rate stability when making payments. Depending on your status in the loyalty programme, you can withdraw between $200 and $2,000 daily without commission.

An important advantage of the card is the speed of transfers and ease of use: it can be used to pay at more than 100 million merchants worldwide. There is a cashback system – 0.5%–2% in NEXO tokens or 0.1%–0.5% in BTC. There is a minimum account balance requirement to receive the bonus – at least $5,000.

To get a virtual card, simply download the Nexo app and top up your balance with $50 or more. These funds will allow you to issue a virtual card. The card itself is free, and you can use the funds as you wish. To get a physical card, you will need a total balance of $5,000 or more.

Visa card from Crypto.com

The Crypto.com cryptocurrency debit card is a convenient and secure way to use digital assets for everyday purchases. This prepaid card allows holders to instantly convert cryptocurrency into the national currency of the merchant's country, making it possible to pay for goods and services anywhere that accepts VISA.

Key benefits of the card:

• Quick account integration. By connecting your Crypto.com account, you can quickly transfer your cryptocurrencies to your card.
• Accumulation option. The card supports a reward system in the form of cashback, which is credited in your chosen cryptocurrencies. Cashback limit from $8 to $100 per month. Additional bonuses can be earned by paying for goods from partners.
• A variety of card levels. Users can choose card rates, including cashback levels and privileges.
• Support for multiple currencies. Crypto.com offers physical cards for residents of the European Union, the United States, Canada, Brazil, Singapore, Bahrain, and countries in the Pacific region.

To apply for a card, you must register on the exchange, verify your identity, and top up your balance to purchase CRO tokens.

Depending on your country of residence, card delivery takes between 3 and 18 days.

The Crypto.com card is the ideal solution for those who want to comfortably integrate cryptocurrency into their everyday financial life, avoiding lengthy exchange processes and complicated procedures.

Coinbase Visa card

The Coinbase debit card allows you to instantly convert cryptocurrency into US dollars when making purchases, giving users the ability to spend digital assets as conveniently as traditional money. The card accepts a wide range of cryptocurrencies, including Bitcoin, Ethereum and stablecoins, and is suitable for use anywhere Visa cards are accepted.

Users can receive up to 4% cashback in cryptocurrency, as well as access additional benefits such as free ATM withdrawals and special offers from partners. The card can be quickly and easily applied for via the Coinbase platform, providing a convenient solution for everyday spending using digital assets.

At the time of publication, the card is only available to US citizens. Please note that you will need to file a tax return. We recommend consulting your state tax authority for advice.

Bybit Card

The Bybit Card is a versatile tool for cryptocurrency enthusiasts, providing instant access to your digital assets.

Ordering a card gives you a number of unique advantages:

• Up to 10% cashback on everyday spending, turning every purchase into a source of additional income.
• Compatibility with Apple Pay, Google Pay and Samsung Pay, ensuring convenient mobile payments.
• Up to 8% annual income on available funds deposited on the card thanks to the ‘Auto Savings’ option.
• Free card issuance and no annual fees make it accessible to everyone.
• Free monthly ATM cash withdrawals of up to $100, with a 2% commission for exceeding the limit.
• Fast, free international delivery of physical cards via DHL.
• Full customer support and asset protection through advanced security mechanisms.

To become a Bybit cardholder, you need to create an account and verify your identity and address. The exchange does not set a minimum account balance requirement to activate the debit card.

Gate Card

Gate Card is a debit card that allows you to use cryptocurrency for everyday purchases. This card is issued by the Gate platform and allows you to spend digital assets without long waits or high fees.

Card features:

• top up your card with a variety of cryptocurrencies, including BTC, ETH, USDT and others;
• use your card in shops, restaurants and services around the world – payments are supported by more than 80 million merchants;
• free virtual card issuance, physical card issuance fee of $10;
• bonuses and 2% cashback on every payment;
• up to 7% cashback on hotel and flight bookings;
• multi-level protection and verification measures enhance the security of your funds.

You can apply for a card in just a few steps: register on the Gate platform, complete the identification procedure and fill out a questionnaire.

Rules for choosing the best crypto card

Choosing the best crypto card depends on a number of factors that help determine which card best suits your needs.

Here are some tips to help you make the right choice:

• Geographical coverage. Make sure the card is available in your region and find out about any restrictions related to your place of residence.
• Supported assets. Choose a card that supports the cryptocurrencies and fiat currencies you need.
• Fees. Review the fees for setup, annual service, transactions, and cash withdrawals.
• Cashback and bonuses. Pay attention to the size of the cashback and additional benefits, such as interest income or access to premium services.
• Card form factor. Decide whether you want a plastic or virtual card.
• Mobile payment compatibility. Check for support for Google Pay, Apple Pay, and other apps for fast and secure payments.
• Security. Make sure the card has the necessary security features, such as 3D Secure technology.
• Limits and flexibility of use. Check the daily/monthly spending limits to make sure they suit your financial needs.

Before making a decision, be sure to read user reviews to avoid unpleasant surprises and assess the quality of customer service for a particular card.

Conclusion

Exchange crypto cards, such as Bybit Card or Gate Card, provide a convenient way to use digital assets in everyday life. Although the product is popular, choosing the right one requires careful consideration of the card's features and limitations. Geography, supported cryptocurrencies, fees, cashback, and limits are key factors influencing the decision. Choosing the ideal cryptocurrency card depends on many factors, such as geographical coverage, supported assets, commissions, and bonuses.

It is not necessary to order a card to pay with cryptocurrency. Nowadays, most online platforms directly accept payments via crypto wallets. For businesses looking to integrate such modern payment methods into their systems – the 0xProcessing platform provides an efficient solution. You get a cryptocurrency gateway with support for 50+ cryptocurrencies, lower fees compared to traditional payment methods, and fast integration.

If you need advice on setting up payment solutions, the 0xProcessing professional team is ready to answer any of your questions and provide the necessary support. Just follow the link here and contact us! Start taking advantage of modern technology with 0xProcessing right now!