Italy · Euro
The best crypto cards in Italy
Every card we track except Ready can be ordered in Italy, so cashback decides the ranking. Italy raised its tax on crypto gains to 33% from 2026 and scrapped the old €2,000 threshold, though euro stablecoins stay at 26%.
Ranked for Italy
What you’d keep in Italy
Pre-set for Italy. Change the spend and the ranking updates.
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.
Availability in Italy
- +€3423% back up to a monthly cap while your ETH keeps earning, paid in the ETHFI token. Non-custodial, no annual fee.
- +€342A 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.
- +€180MiCA-licensed, self-custodial Mastercard with 0% FX and cashback in USDC. The natural Gnosis Pay replacement.
- +€180Kraken’s card: an Irish MiCA licence, no fees on fiat spending, uncapped cashback tied to your balance.
- +€171An exchange card paying a flat 1% for most users, best funded in euros: paying from crypto, stablecoins included, adds 0.9%.
- +€162Spend straight from the wallet you already use. 1% back in the mUSD stablecoin on the free card.
- €0A free Visa from a Maltese e-money issuer: 1% back in whatever crypto you spent, 0% FX, but only for euro-area residents.
- €0Rebuilt in 2026 as a self-custodial stablecoin app with no FX markup. Every reward, even the free 0.5%, needs WPAY to redeem.
- −€4Still the perks king, but the free card earns nothing: rewards start with a €3.99 monthly plan and are capped.
- −€6Borrow against your crypto instead of selling it. The value is the credit line, not the cashback.
- −€99A 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.
- −€211RedotPay UnconfirmedHuge limits and global reach, but no base cashback and about 2.2% in fees on foreign-currency spending.
Net value per year at €1,500/month with 10% foreign-currency spending. Availability verified October 22, 2026; unconfirmed means the issuer doesn’t clearly list Italy — check before applying.
Paying in euros: what decides the ranking
Italy uses the euro, so FX fees only matter abroad, and the ranking above is decided by cashback. Every card we track can be ordered by residents except Ready, which is not issuing cards anywhere, and RedotPay, whose support is unconfirmed. ether.fi Cash and OKX come out level at €1,500 a month. ether.fi pays 3%, but on euro purchases its free tier caps that at roughly the first €700 a month, while OKX pays a flat 2% capped at €50 a month, so ether.fi wins below €1,500 and OKX above. Bleap is the strongest self-custody card at 1%, on up to €3,000 of spending a month.
Tax when you spend crypto in Italy
Italy taxes gains on crypto-assets realised through a sale, a refund or an exchange, and the Agenzia delle Entrate’s guidance treats an exchange between crypto-assets with the same characteristics, such as buying ether with bitcoin, as not taxable. Converting crypto to pay at the till is a sale in that sense, although the agency has issued no guidance on card spending specifically. From January 1, 2026 the substitute tax on these gains is 33%, up from 26%, and the old rule that exempted gains under €2,000 a year was abolished from 2025, so every gain counts.
One exception matters for card users: gains from holding, selling or using euro-denominated e-money tokens, the euro stablecoins regulated under MiCA, stay at 26%. Spending a euro stablecoin produces little or no gain in the first place, which makes it the most tax-efficient way to fund a crypto card in Italy. The agency has published nothing on card cashback; it lists staking among taxable crypto income.
Licensing and funding a card from an Italian bank
Consob authorises crypto-asset service providers in Italy after consulting the Banca d’Italia, and existing operators had to apply by December 30, 2025. The transitional period has now ended, so providers need an Italian or passported EEA licence. Italian banks have had to receive instant euro transfers since January 2025 and send them since October 9, 2025, so top-ups arrive in seconds.
This is general information, not tax advice. Rules change and your situation may differ; check with a local adviser before relying on it.
Sources
Tax and payment facts above were read on October 7, 2026 from:
- Instructions for the 2026 Redditi PF return, crypto-asset gains (Agenzia delle Entrate) agenziaentrate.gov.it
- Circular on the tax treatment of crypto-assets, October 27, 2023 (Agenzia delle Entrate) agenziaentrate.gov.it
- Budget Law 2025, article 1, paragraphs 24 to 25 (Normattiva) normattiva.it
- Crypto-asset service providers under MiCAR (Banca d’Italia) bancaditalia.it
- Instant credit transfers (Banca d’Italia) bancaditalia.it
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