Best Crypto Cards With Apple Pay

Kraken Card connects directly to Apple Pay via a virtual Mastercard managed in the Krak app. Cardholders can spend from more than 600 crypto and cash currencies, using a configurable queue to control which assets are liquidated at purchase. The card charges no issuance, monthly, or foreign exchange fees from Kraken, and pays up to 2% cashback in BTC or EUR. Its custodial design requires keeping balances on Kraken, and transactions incur variable conversion spreads at checkout.

Gemini Credit Card operates as a Mastercard credit line issued by WebBank. Cardholders earn automated crypto rewards deposited directly into their Gemini account, including 4% on gas, transit, and EV charging, 3% on dining, and 2% on groceries. The card carries zero annual fees and zero foreign exchange fees. The main trade-off is geographic exclusivity to approved US residents, while the top 4% reward tier is capped at $300 in monthly spend.

KAST provides a custodial stablecoin account linked to Visa cards with Apple Wallet compatibility for spending at over 150 million merchants across 170+ countries. Users can deposit USDT and USDC across 10+ chains, spending funds directly alongside US bank account numbers and EU IBANs. Standard cards carry no annual fees, while cashback reaches up to 3% on paid tiers. However, the account remains fully custodial, and premium tiers require substantial annual membership fees ranging up to $10,000.

Bitget Wallet Card lets users spend crypto including USDT, USDC, ETH, and SOL at Visa and Mastercard merchants via Apple Pay across 50+ countries. The card charges no annual or monthly maintenance fees and provides a default 2% assetback reward paid in chosen assets such as BTC, USDC, or select US equities. The primary trade-off involves allowance limits: standard top-up and conversion fees apply once a user exceeds the monthly assetback allowance.

MetaMask Card connects self-custodial wallets on Linea, Base, Solana, and Monad to Apple Pay through a partnership with Cross River Bank. Crypto remains in user custody until transactions settle, with the free Virtual tier offering 1% mUSD cashback and a $15,000 daily spend limit. Spending incurs on-chain network gas for each transaction, and the physical Metal version requires a $199 annual fee, while sign-ups are restricted to select US jurisdictions.

Tangem Pay links with Apple Pay to provide virtual Visa card spending funded by USDC or USDT deposits on Arbitrum, Base, Polygon, and BNB Smart Chain. Card balances reside within user-controlled smart contract accounts rather than centralized exchange wallets, with the Basic plan charging no monthly fees and returning 1% USDC cashback. ATM withdrawals on the Basic tier carry a 4% fee, and users must complete mandatory identity verification through Rain.

Nexo Card offers European residents a Mastercard compatible with Apple Pay that alternates between Debit Mode and Credit Mode. Debit Mode spends digital assets and fiat-pegged tokens directly, while Credit Mode allows borrowing against collateral without selling crypto. The card incurs no monthly or annual fees and offers up to 2% cashback in Credit Mode. However, obtaining maximum rewards requires holding 10% of portfolio value in NEXO tokens, and the card is unavailable in the US.

Bitpanda Card enables Apple Pay transactions across Europe, settling payments through a custodial Visa debit framework. Cardholders can spend from more than 600 crypto assets, precious metals, or fiat balances, with Bitpanda converting assets to euros at checkout with no foreign exchange fee. Eligible crypto purchases earn 1% cashback. A major trade-off is the ATM fee of 2% or €2 minimum, while cashback excludes stablecoin, fiat, and metals transactions.

Uphold Debit Card is a custodial Visa card issued by Cross River Bank that supports Apple Pay for qualifying US cardholders. It spends from balances across 300+ digital currencies, stablecoins, and precious metals, with an Essential tier carrying no annual fee. The paid plan offers up to 4% XRP rewards on purchases funded with crypto or metals. However, the card is unavailable in New York and Louisiana, and rewards are distributed in volatile XRP.

Crypto.com Visa Card is a custodial prepaid card issued by Foris MT Limited. Users load fiat converted from cryptocurrency balances, earning CRO rewards between 0% and 4.5% on eligible everyday card spending. The entry-level Midnight Blue card carries no monthly fees. Trade-offs include reliance on volatile CRO tokens for reward distribution, while higher cashback rates demand substantial 12-month CRO token lockups or monthly subscription charges up to €24.99.