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Best Crypto Cards in the UK

This list covers four crypto cards available in the United Kingdom, from custodial Mastercard products to a prepaid Visa card and a wallet-based payment card. The products differ in how they fund payments: some convert crypto at checkout, while Crypto.com converts crypto before loading a fiat balance. Rewards range from Kraken’s up to 2% cashback to Crypto.com’s tiered CRO rewards of up to 4.5%. Fees, ATM allowances, custody, card access and reward conditions separate the entries. Nexo also offers Credit Mode, while Bitget Wallet supports assetback paid in BTC, gold, selected US stocks or USDC.

Updated Oct 18, 2026 6 picks All crypto cards
  1. 1
    Flexible asset spending

    Kraken Card

     3.8/5

    Kraken Card supports 600+ spendable crypto and cash currencies, with up to 2% cashback in BTC or EUR. It has no Kraken transaction, foreign-exchange, monthly or annual fee, and works with Apple Pay and Google Pay where available. A configurable spending queue can protect selected assets. The main trade-off is custodial ownership, alongside a variable spread when assets are converted at checkout.

    DebitMastercardVirtualCustodial
    • Up to 2% cashback in BTC or EUR
    • No Kraken transaction or foreign-exchange fees
    • No Kraken ATM withdrawal fees
    Visit websiteRead review
  2. 2
    Assetback rewards

    Bitget Wallet Card

     3.6/5

    Bitget Wallet Card brings 2% assetback to all cardholders by default and up to 3% for new users or qualifying monthly spenders. It supports USDT, USDC, ETH and SOL top-ups, plus Apple Pay and Google Pay, across supported Visa or Mastercard merchants. There is no monthly or annual card fee. Top-up and conversion fees apply after the monthly allowance, and regional issuer terms differ.

    DebitVirtual · PhysicalEurope (EEA) · United Kingdom +4Spend stablecoins
    • 2% assetback applies to all cardholders by default
    • Up to 3% rewards can be paid in BTC, USDC, gold or selected stocks
    • No annual or monthly card fee
    Visit websiteRead review
  3. 3
    Credit and debit modes

    Nexo Card

     3.5/5

    Nexo Card combines Debit Mode for spending digital assets with Credit Mode for borrowing against crypto, and supports stablecoins and FiatX assets such as GBPx. It has no monthly or annual fee, offers up to 2% cashback in Credit Mode, and supports Apple Pay and Google Pay. The trade-off is tier dependence: top rewards require NEXO holdings and a portfolio above $5,000, while Credit Mode creates borrowing exposure.

    CreditMastercardVirtual · PhysicalCustodial
    • Credit and Debit modes in one Mastercard
    • No monthly, annual or inactivity card fees
    • Up to 2% cashback in Credit Mode
    Visit websiteRead review
  4. 4

    Bybit Card

     3.3/5

    Bybit Card is a custodial crypto debit card from Bybit, with 0% FX fees and up to 10% cashback on crypto-funded purchases.

    DebitMastercardVirtual · PhysicalCustodial
    • Up to 10% cashback on eligible crypto-funded purchases
    • 0% stated foreign transaction fee
    • Daily spending limit reaches $10,000
    Visit websiteRead review
  5. 5
    CRO tier rewards

    Crypto.com Visa Card

     3.3/5

    Crypto.com Visa Card provides prepaid spending with CRO rewards of up to 4.5% on eligible purchases, plus travel and subscription benefits on selected tiers. The free Midnight Blue tier has no subscription fee, while higher tiers use monthly plans or 12-month CRO lockups. Crypto cannot be loaded directly, and rewards are paid in CRO. The card is custodial, with ATM, top-up and exchange charges varying by jurisdiction.

    PrepaidVisaVirtual · PhysicalCustodial
    • Free Midnight Blue tier has no subscription fee
    • Up to 4.5% CRO rewards on eligible everyday spending
    • Free ATM allowance reaches €1,000 monthly on higher tiers
    Visit websiteRead review
  6. 6

    SafePal Card

     3.2/5

    SafePal Card is a virtual Mastercard linked to a Fiat24 Swiss IBAN account and SafePal wallet. It supports crypto top-ups across 40+ blockchains, with fees as low as 0.4% by account tier.

    DebitMastercardVirtualSelf-custodial
    • No account setup or management fee
    • Virtual Mastercard accepted at 40M+ merchants
    • Crypto top-ups across 40+ blockchains
    Visit websiteRead review

How we picked

The selection includes every item in the directory category that lists the United Kingdom as an available region. Editors order the four entries using the recorded editorial scores and ratings, with fees, rewards, availability, app experience, trust and security as the main inputs. The product model also informs the ordering, since different structures carry different funding and custody trade-offs. The review considers listed card fees, conversion costs, ATM terms, supported assets, cashback conditions and programme restrictions. It also includes dated operational or security events where they affect the product’s current trade-offs.

FAQ

Which UK crypto card offers the highest listed cashback?

Crypto.com Visa Card lists up to 4.5% in CRO rewards on eligible everyday spending. The rate depends on the card tier and its monthly limits, while higher tiers require paid plans or CRO lockups.

Which of these crypto cards have no monthly fee?

Kraken Card, Bitget Wallet Card and Nexo Card list a monthly fee of 0. Crypto.com also has a free Midnight Blue tier, while other tiers can cost up to €24.99 per month.

Which cards support Apple Pay and Google Pay?

Kraken Card, Bitget Wallet Card and Nexo Card support both Apple Pay and Google Pay where available. Their availability depends on the card and market.

Which card can borrow against crypto instead of selling it?

Nexo Card offers Credit Mode, which draws on a crypto-backed Credit Line. Rates start from 1.9% per year, and the mode creates collateral and borrowing exposure.

Can Crypto.com Visa Card be loaded directly with cryptocurrency?

No, cryptocurrency cannot be loaded directly onto Crypto.com Visa Card. Crypto.com converts supported cryptocurrency into the relevant market currency before the prepaid fiat balance is loaded.