Europe · Verified October 2026
The best crypto cards in Europe, read to the fine print.
Most comparison sites rank crypto cards by their biggest advertised number. We rank 12 cards by what you actually keep after caps, FX fees and token payouts — for where you live and how much you spend.
The calculator
What you’d actually keep
Most comparison sites rank cards by their biggest advertised rate. We rank them by net value at your spending level: cashback earned, minus FX, conversion and card fees — and only for cards you can actually get where you live.
In non-euro countries this includes local spending — lei, forint, złoty, krone, francs or pounds.
Only affects Krak, whose cashback depends on your average balance.
Net value per year, in euros. Assumes you pay the cheapest way each card allows, from euros or stablecoins — paying from BTC or ETH adds conversion spreads on most cards. Category bonuses and promotions aren’t counted. ether.fi’s dollar caps use its own euro and dollar ladders. USD fees converted at about €0.90. An estimate, not financial advice — confirm terms with the issuer. How the calculator works.
The ledger
All crypto cards, side by side
Headline rates mean little until you subtract FX fees, spending caps and token risk. This is what each card looks like once you do.
| Card | Cashback | Paid in | Annual fee | FX fee | Custody | Type | Availability |
|---|---|---|---|---|---|---|---|
OKX Card Our pick Mastercard · Score 8.6 |
2% (cap €50/mo) · 4–10% VIP | USDG | €0 | 0% · ≤0.1% conversion | Custodial | Debit | EU · Norway |
Visa · Score 8.4 |
3% to tier cap | ETHFI | $0 | 0% USD/EUR · 0.5% other | Self-custody | Credit | EU excl. NL, FI, EE · UK · CH · NO · US · UAE |
Mastercard · Score 8.3 |
1% (to €3k/mo) · 3% · 20% | USDC | $0 | 0% | Self-custody | Debit | EEA · Switzerland |
Mastercard · Score 8.1 |
1% · 3% Metal (paused) | mUSD | $0–199 | 1% abroad · 0.5% non-euro local (free) | Self-custody | Debit | EEA · UK · CH · LATAM US sign-ups paused |
Mastercard · Score 8.0 |
0–2% by balance | EUR / GBP / BTC | $0 | 0% (spread on crypto) | Custodial | Debit | EEA · UK |
Mastercard · Score 7.8 |
1% flat (2–10% VIP) | BTC / USDC | $0 | 0.5% + 0.9% conv. | Custodial | Debit | EEA excl. Malta |
Mastercard · Score 7.6 |
0.1–2%, credit mode only | BTC / NEXO | $0 | 0.2% Europe · 2% other · +0.5% weekends | Custodial | Debit + Credit | EEA · UK |
Visa · Score 7.4 |
1% on crypto-funded spend | The asset you spent | €0 | 0% (trading spread on crypto) | Custodial | Debit | Euro area only |
Visa · Score 7.2 |
0% free · 1.5–4.5% paid plans | CRO / BTC | Free · Plus €3.99/mo | 0.2% EU/UK · 2% other (free) | Custodial | Prepaid | EEA |
Visa · Score 7.0 |
0.5–8%, redeemable only with WPAY | USD rewards | $0 | 0% markup | Self-custody | Debit | Global · EEA · UK |
Mastercard · Score 6.4 |
Merchant offers only | EUR / fiat | €0 · €0.90–6.90/mo | 0.5% Free · 0% Platinum | Fiat only (EMI) | Debit | EEA · UK no crypto in UK |
Visa · Score 6.0 |
0% (3% Pro, capped) | — | $10 / $100 card | 1% + 1.2% | Custodial | Debit | Global excl. HR, SI · no MiCA |
Ready Card Shutting down Mastercard · Delisted |
3% flat (Metal) | USDC | $120 Metal | 0% | Self-custody | Debit | Cards being switched off · no new cards |
Gnosis Pay Shutting down Visa · Delisted |
Ended Sep 30, 2026 | GNO | Free card | 0% | Self-custody | Debit | Card ends Dec 20, 2026 |
Scores out of 10. Coinbase Card pays no rewards to EU cardholders and Binance left the EEA in 2023, so neither is ranked. Verified October 22, 2026 — always confirm on the issuer’s site.
The reviews
12 cards scored, two delisted
Every review lists what the marketing page won’t — including on the cards we earn a commission from.
A MiCA-licensed exchange card paying 2% in USDG with no FX fee, capped at €50 a month unless you trade enough for a VIP tier.
3% back up to a monthly cap while your ETH keeps earning, paid in the ETHFI token. Non-custodial, no annual fee.
MiCA-licensed, self-custodial Mastercard with 0% FX and cashback in USDC. The natural Gnosis Pay replacement.
Spend straight from the wallet you already use. 1% back in the mUSD stablecoin on the free card.
Kraken’s card: an Irish MiCA licence, no fees on fiat spending, uncapped cashback tied to your balance.
An exchange card paying a flat 1% for most users, best funded in euros: paying from crypto, stablecoins included, adds 0.9%.
Borrow against your crypto instead of selling it. The value is the credit line, not the cashback.
A free Visa from a Maltese e-money issuer: 1% back in whatever crypto you spent, 0% FX, but only for euro-area residents.
Still the perks king, but the free card earns nothing: rewards start with a €3.99 monthly plan and are capped.
Rebuilt in 2026 as a self-custodial stablecoin app with no FX markup. Every reward, even the free 0.5%, needs WPAY to redeem.
A Lithuanian e-money account with a Mastercard: 0.5% FX on the free plan, cashback only at partner shops, and crypto as an on-ramp rather than a balance.
Huge limits and global reach, but no base cashback and about 2.2% in fees on foreign-currency spending.
The flat-3% Metal card is gone: existing cards are being switched off, new ones cannot be ordered, and the next card drops cashback.
The consumer card shuts down on December 20, 2026. Funds in your Safe stay accessible.
The changelog
What changed, and when
Crypto cards change terms constantly. Every material change we catch is logged with its date, so you can see how current this page really is.
Gnosis Pay: Rebind recommended for EUR cards, and check your pre-June Safe
Gnosis Pay now names a route per currency: Rebind for EUR cards, carrying over account, IBAN and card with no new ID checks; Picnic or MiniPay for USD; nothing yet for GBP. Zeal’s card services also end by December 20. Separately, funds left in the Safe used before Gnosis Pay’s June 2026 security incident can still be withdrawn at app.gnosispay.com/withdraw-legacy. Details
ZEN.COM re-checked: fees unchanged, one weekend surcharge added
ZEN’s fee schedule effective May 26, 2026 is still current and matches our review. We have added its 0.40% surcharge on currency exchanges inside the account outside market hours, which applies on every plan except Pro. Details
Bitpanda Card: the calculator now counts no cashback on euro or stablecoin spending
Bitpanda pays its 1% only when you pay from crypto, and each such purchase sells your crypto at a spread Bitpanda does not publish. Our calculator assumes spending from euros or stablecoins, where Bitpanda pays nothing, so it now counts €0 instead of 1%. A replacement card costs €5.90, not €9.90. Details
MetaMask Card: UK sign-ups open, and lower fees on local spending outside the euro
MetaMask’s help centre now shows the sign-up pause for the US only; the UK, Switzerland and Norway are open. Its 1% cross-border fee applies only to merchants in another country, so in Romania, Hungary, Poland, Norway, Switzerland and the UK local shops cost 0.5%, not 1%. The calculator now applies that, lifting MetaMask from €27 to about €103 a year there at €1,500 a month. Details
How we score
Methodology, in the open
What you keep, not what’s advertised
We subtract FX fees, conversion spreads, caps and annual fees from the headline rate. A card paying 6% with a $250 fee is a subscription, not cashback.
Who actually holds your money
Self-custodial designs score higher. For custodial cards we weigh licensing — a MiCA registration you can check — track record and how easily you can exit.
Legal terms, not landing pages
Where marketing and cardholder agreements disagree, we print both and budget for the worse number. Every card is re-verified monthly.
Questions