Best crypto cards
Crypto cards with no FX fees
A 1% FX fee wipes out a 1% cashback card. If you travel, or live in a country that doesn’t use the euro, these cards add no markup of their own on foreign-currency spending.
Our ranking
- 8.3MiCA-licensed, self-custodial Mastercard with 0% FX and cashback in USDC. The natural Gnosis Pay replacement. Cashback: 1% · 3% · 20% categories. FX: 0%.
- 8.0Kraken’s card: an Irish MiCA licence, no fees on fiat spending, uncapped cashback tied to your balance. Cashback: 0–2% by balance. FX: 0% (spread on crypto).
- 7.5Flat 3% in USDC with 0% FX on the $120 Metal tier, but new cards cannot be ordered while Ready switches issuer. Cashback: 3% flat (Metal). FX: 0%.
- 7.0Rebuilt in 2026 as a self-custodial stablecoin app. Free 0.5% tier; higher rates depend on the WPAY token. Cashback: 0.5% · up to 8% with WPAY. FX: 0% markup.
When FX fees matter most
In the eurozone, FX fees only apply when you travel or buy from non-euro shops. In Romania, Hungary, Norway, Switzerland or the UK, they can apply to almost everything you buy, because local spending is in lei, forint, krone, francs or pounds while most crypto cards are denominated in EUR or USD.
That changes the ranking: a card paying 3% with a 1% FX fee can lose to a 1% card with no fee once most of your spending is foreign. Our Romania and Hungary pages show the effect.
How we ranked them
Scores combine net rewards after fees, custody and licensing, and the fine print in each issuer’s legal terms. Read the full methodology, or use the calculator to rank these cards for your own spending and country.