The best crypto cards in the UK

Availability in the UK

1. ether.fi Cash

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

   Kraken’s card: an Irish MiCA licence, no fees on fiat spending, uncapped cashback tied to your balance.
   +€180
3. Bybit Card EU Unconfirmed

   MiCA-licensed exchange card paying a flat 1% for most users since August 2026. Not offered in Romania.
   +€103
4. Wirex One

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

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

   Still the perks king, but rewards now need a paid plan and a 12-month CRO stake.
   €0
7. ZEN.COM Card Unconfirmed

   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.
   −€167
8. RedotPay

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

   Not offered to residents of the UK.
   —
10. MetaMask Card Not available

    Not offered to residents of the UK.
    —
11. Ready Card Not available

    Not offered to residents of the UK.
    —

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 the UK — check before applying.

Paying in pounds: which cards avoid the markup

Pound spending counts as foreign currency on euro- and dollar-based cards. Krak is the exception: it holds sterling balances with no markup, so UK purchases are domestic. ether.fi Cash pays more but charges 1% on pounds. Bleap and Ready are not offered in the UK, MetaMask has paused new UK sign-ups, and Nexo and Wirex One are available under their FCA-registered UK entities.

Tax when you spend crypto in the UK

HMRC’s Cryptoassets Manual lists using tokens to pay for goods or services as a disposal, so every crypto-funded card payment is a capital gains tax event. From April 6, 2026 the rates are 18% within the basic rate band and 24% above it, and the annual exempt amount for 2026 to 2027 is £3,000 of gains. Pooling rules apply, so the gain on each purchase is measured against the average cost of your holding. Cashback is one area where the UK has real guidance: HMRC’s Statement of Practice 4/97 says cashback received by an ordinary retail customer as an inducement to buy is not a taxable receipt and does not derive from a chargeable asset. That was written for pounds; HMRC has not said whether cashback paid in crypto is covered, and any later disposal of that crypto is within CGT in any case. Airdrops received without doing anything in return are not income, but again a later disposal is.

Funding a card from a UK bank

Faster Payments move pounds instantly, day and night, up to £1 million, but the cards here hold euros or dollars, so a top-up from a UK account means a currency conversion at your bank or in the app; Krak’s sterling balance avoids it. Since October 2023 the FCA’s financial promotion rules apply to crypto firms serving UK customers, which is why sign-up flows show risk warnings and a 24-hour cooling-off period.

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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