The best crypto cards in Switzerland

Availability in Switzerland

1. ether.fi Cash Unconfirmed

   3% back in USDC while your ETH keeps earning. A non-custodial credit card with no annual fee.
   +€387
2. Bleap

   MiCA-licensed, self-custodial Mastercard with 0% FX and cashback in USDC. The natural Gnosis Pay replacement.
   +€180
3. Krak Card Unconfirmed

   Kraken’s card: an Irish MiCA licence, no fees on fiat spending, uncapped cashback tied to your balance.
   +€180
4. Wirex One Unconfirmed

   Rebuilt in 2026 as a self-custodial stablecoin app. Free 0.5% tier; higher rates depend on the WPAY token.
   +€90
5. MetaMask Card Unconfirmed

   Spend straight from the wallet you already use. 1% back in the mUSD stablecoin on the free card.
   +€27
6. Nexo Card Unconfirmed

   Borrow against your crypto instead of selling it. The value is the credit line, not the cashback.
   €0
7. Crypto.com Visa Unconfirmed

   Still the perks king, but rewards now need a paid plan and a 12-month CRO stake.
   €0
8. RedotPay

   Huge limits and global reach, but no base cashback and about 2.2% in fees on foreign-currency spending.
   −€373
9. Bybit Card EU Not available

   Not offered to residents of Switzerland.
   —
10. Ready Card Not available

    Not offered to residents of Switzerland.
    —
11. ZEN.COM Card Not available

    Not offered to residents of Switzerland.
    —

Net value per year at €1,500/month with 85% foreign-currency spending. Availability verified September 26, 2026; unconfirmed means the issuer doesn’t clearly list Switzerland — check before applying.

Paying in francs: which cards avoid the markup

Switzerland sits outside the EEA, which rules out several EU-licensed cards: Bybit EU, Ready and ZEN.COM are not available, and most others do not clearly list Swiss residents. Bleap is confirmed and adds no FX markup, which matters because franc spending is a foreign-currency transaction on every card here. Swiss terminals also run TWINT and instant account-to-account payments, which crypto cards do not touch.

Tax when you spend crypto in Switzerland

Switzerland is the most favourable jurisdiction on this site for a private holder. The Federal Tax Administration treats gains on payment tokens held as private assets as tax-free capital gains, and losses as non-deductible, so converting crypto to francs at a till creates no income tax. Two things still apply. Crypto is subject to the cantonal wealth tax at its market value on December 31, and the administration publishes year-end tax values for the main coins. And if your trading is frequent, leveraged or large relative to your income, the tax office can reclassify you as a professional trader, at which point gains become taxable income. Rates are cantonal, so there is no single figure. The administration’s guidance covers airdrops, which are taxable income from movable assets, but says nothing about card cashback; the cautious reading is that cashback received in crypto is income at its value on receipt.

Funding a card from a Swiss bank

Euro top-ups from a Swiss account are cross-border SEPA transfers, and Swiss banks usually charge for them; sending francs to a euro card also means a conversion at your bank. Instant payments in francs have been live since August 2024 and cover most retail transactions, but only between Swiss accounts. Identity checks follow FINMA rules with a passport or ID card.

This is general information, not tax advice. Rules change and your situation may differ; check with a local adviser before relying on it.

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