10 Best Crypto.com Card Alternatives for Easy Crypto Spending

I’ll go over the Top Crypto.com Card Substitutes in this post so you can effortlessly spend your cryptocurrency and get incentives.

These cards give cryptocurrency holders a variety of alternatives, whether they want significant cashback, multi-asset support, or a straightforward prepaid solution. You can find useful options for regular cryptocurrency spending, such as Binance Visa and Shakepay.

Benefits Of Crypto.com Card Alternatives

Spend and Earn Rewards – Binance Visas and Wirex, for example, have alternatives that give cash back and/or crypto rewards for every dollar spent making regular purchases aimed to increase one’s assets.

Robust Supporting Cryptocurrencies – Crypto accounts such as Coinbase, Wirex, and Uphold have multiple supporting currencies allowing easier spending of one’s digital currencies of choice.

Worldwide Use – Crypto banks carrying Visa or MasterCard logos and offer international online and in-store purchases and cash withdrawals at ATMs.

Adaptable Costs – Alternative services offer either low or no annual fees, reasonable conversion costs, and no or low fees on foreign transactions.

Spend Without Liquidating Cryptocurrencies – Nexo crypto cards allow spending as crypto assets without having to liquidate the currencies, thus avoiding an event that is subject to taxation.

Simple Wallet Pairing – Alternative Ethereum cards automating a service of instant conversion and a simplified account management process via cashless transactions directly pair with crypto wallets or crypto exchanges.

Access to All-In-One Accounts – Alternatives like Uphold and Monolith offer a single account spending services for crypto, cash (fiat), and even metal currencies.

Igniting Confidence in Neophytes – Even Coinbase and Shakepay cards, which allow for complicated crypto transactions, have basic operating processes for novices.

Safe and Clear Transactions – Alternatives provide enhanced safety features and transaction tracking through the app.

Travel and Daily Use Versatility – These cards are perfect for international travel and daily spending since they are accepted worldwide and offer multiple currencies.

Key Point & Best Crypto.com Card Alternatives List

Card Name	Best Feature
Binance Visa Card	High crypto rewards
Coinbase Card	Easy integration with Coinbase
Wirex Card	Multi‑currency and rewards
BitPay Card	Simple Bitcoin spending
Nexo Card	Spend without selling crypto
SpectroCoin Card	Simple prepaid spending
Monolith Card	Non‑custodial DeFi spending
Uphold Card	Multi‑asset spending
CryptoPay Card	Easy global Visa spending
Shakepay Card	Bitcoin rewards in Canada

1. Binance Visa Card

The Binance Visa Card is one of the better alternatives to the Crypto.com card for users who are heavily focused within the Binance ecosystem. The card allows you to spend several major cryptocurrencies (such as, Bitcoin (BTC), Binance Coin (BNB), Ethereum (ETH) and several others) directly from your Binance wallet.

It automatically converts your crypto to fiat at the point of sale. Binance offers a cashback reward of up to approximately 8% (in BNB) to cardholders, depending on how much BNB they are holding. 8% is a highly competitive reward and Binance is therefore one of the better alternatives to Crypto.com for rewards. There are no annual or issuance fees on the card, however, users might incur low conversion or payment fees (up to ~0.9%) on some transactions.

Binance Visa Card Features, Pros & Cons

Key Features

1. Spending in a variety of cryptocurrencies.
2. Instant payment conversions to fiat at POS terminals.
3. Earn rewards on purchases.
4. No annual fees on basic tiers.
5. App integration with Binance services.

Pros

1. Simple and quick to convert crypto to USD.
2. Good rewards on purchases.
3. Lots of places where the card can be used.
4. Lots of coins can be used with the card.
5. Good security features.

Cons

1. Preimum tiers require stake BNB.
2. Staking is not available in all countries.
3. Only available in some countries.
4. Exact Binance account is needed.
5. Available in a small number of countries.

2. Coinbase Card

The Coinbase Card allows you to spend crypto from your Coinbase account. It is also a crypto-spend card and converts to fiat at the checkout, however, it supports even more assets than some of the other alternatives. The supported assets include Bitcoin (BTC), Ethereum (ETH), USD Coin (USDC) and many more (lots of other supplementary tokens).

As a Crypto.com card competitor, it provides up to 4% cashback, paid in crypto, with no annual and monthly fees, although there may be a 2.49% conversion fee to be paid when spending non-USD coins. The card works well with the Coinbase ecosystem, which provides real-time conversions and easy management through the app. It is great for new users and those looking for a more simplified crypto experience.

Coinbase Card Features, Pros & Cons

Key Features

1. Coinbase account is needed.
2. Multiple options for crypto payment.
3. Switch crypto to USD in real time.
4. Rewards for making purchases.
5. Can be used in combination with digital wallets.

Pros

1. Coinbase account is required.
2. Instant use of crypto.
3. Rewards for making purchases.
4. Universal card usage.
5. Card management is done through the application.

Cons

1. International transaction fees.
2. Unsupported cryptocurrencies cannot be used.
3. Rewards do not provide significant benefits.
4. Available in a small number of countries.
5. Coinbase account is required.

3. Wirex Card

The Wirex Card is a good alternative to the Crypto.com card, which lets users spend over 150 cryptocurrencies, and multiple fiat currencies. Customers may receive approximately 8% in Cryptoback™ rewards paid in Wirex’s WXT token.

However, most users see more realistic rewards of only 1-2%. There are no annual fees and no global exchange fees. There is a possibility of a small top-up fee when crypto is added to the card. The card’s global acceptance also makes it a great option for users with a wide crypto variety and reward preferences.

Wirex Card Features, Pros & Cons

Key Features

1. The card can hold and use many different currencies including crypto and normal fiat currencies.
2. Cash back received in X-tras.
3. Support for Google Pay and Apple Pay.
4. Crypto transferred instantaneously to fiat.
5. ATM withdrawals without fees within limits.

Pros

1. Multiple supported cryptocurrencies.
2. Support for global use.
3. Fairly good cash back offer.
4. Integration with mobile wallets.
5. Transparency in fees.

Cons

1. Cash back is tiered at different card levels.
2. Fewer benefits at higher tiers.
3. Certain limits on withdrawals.
4. Difficult to use in some areas.
5. The app can be user-unfriendly.

4. BitPay Card

The Bitpay card enables users to spend cryptos like BTC, ETH, LTC, USDC, and more, converting them into fiat which can be accepted anywhere Mastercard is.

Even though it doesn’t provide high cashback like the Crypto.com card, it is appreciated as a basic Crypto.com card alternative because it doesn’t have high annual fees and is easy to use. Users in the U.S. face no conversion fees on USD transactions, though fees may apply for ATM withdrawals and transactions abroad. Users who want uncomplicated crypto spending using Bitcoin will appreciate it.

BitPay Card Features, Pros & Cons

Key Features

1. Visa card that can be preloaded for cryptocurrency transactions.
2. Convert cryptocurrency to US dollars instantly.
3. Multiple wallets available.
4. Payments via online and point-of-sale.
5. Reloading is easy via cryptocurrency or bank transfer.

Pros

1. Conversions from cryptocurrency to fiat is lightning quick.
2. Extend Visa card use worldwide.
3. Good control for account end users.
4. International use friendliness.
5. Support for various wallets.

Cons

1. Crypto rewards are scarce.
2. Spend dollars go only USD.
3. Reloading is sometimes charged.
4. Some countries have BitPay restricted.
5. No availability to earn stake, interest, or rewards.

5. Nexo Card

Besides offering the opportunity to spend without liquidating your crypto, the Nexo Card is unique among Crypto.com card alternatives because your digital assets serve as collateral to provide you a credit line.

It is compatible with a number of assets such as BTC, ETH, XRP, and NEXO tokens, and offers cashback rewards of about ~2 % in BTC or NEXO tokens, based on your loyalty tier, with no monthly or annual fees. Some users earn a high APY on idle balances.

Generally, foreign exchange and ATM withdrawal fees are low or waived up to certain limits. This card is great for crypto holders who want to spend and avoid triggering a taxable event.

Nexo Card Features, Pros & Cons

Key Features

1. Linked account with Nexo credit and crypto.
2. Spend crypto without liquidating it.
3. Earn cash back and Bitcoin rewards.
4. No fees annually or monthly.
5. Integrated earning features with interest

Pros

1. Make payments without having to sell bitcoin
2. Receive rewards in crypto
3. Fees are low
4. Can be used all over the world
5. Connected to the Nexo ecosystem

Cons

1. Only Nexo-supported crypto assets
2. Reward limits based on your tier
3. Not all countries support this service
4. You have to go through KYC
5. You have to use the Nexo platform

6. SpectroCoin Card

The SpectroCoin Card is an ideal alternative for the Crypto.com card. Unlike its competitors, SpectroCoin focuses on accessibility, ease of use, and flexibility with assets as they do not rely on a tier system. One of the most attractive features is that SpectroCoin operates as a prepaid Visa card, which means cardholders can load their Visa with Bitcoin (BTC), Litecoin (LTC), and Ripple (XRP) and spend their assets anywhere Visa is accepted.

Also, unlike other competitor’s cards that have ecosystem lock or require cardholders to stake an asset, the SpectroCoin Card allows cardholders to spend crypto and fiat whichever they prefer. The SpectroCoin Card, equipped with a seamless onboarding and world-wide asset support, is the ideal alternative to the Crypto.com card and, therefore, Elevated payment solutions.

SpectroCoin Card Features, Pros & Cons

Key Features

1. Card for crypto and fiat in multiple currencies
2. Exchange instantly at POS
3. Withdraw at ATMs globally
4. Card management through a mobile app
5. Visa network support

Pros

1. Handle various cryptocurrencies
2. Use anywhere in the world
3. Fast options for adding funds
4. Works with mobile wallets
5. Easy to use

Cons

1. Cash back/rewards are insufficient
2. Fees for some ATM withdrawals
3. Spending limits are tiered
4. Not very popular compared to others
5. Not used in many places

7. Monolith Card

Using the Monolith Visa Debit Card, users can use decentralized finance (DeFi) with everyday spending, as they can spend Ethereum (ETH) and other ERC-20 tokens from a non-custodial wallet. The card is different from other Crypto.com cards because users can control their private keys and spend crypto anywhere Visa is accepted.

The supported assets are mostly ETH and ERC-20 tokens, as Bitcoin is not usually supported. Card fees include a top-up fee (¼ of 1 percent), a transaction fee (1.75 percent), and ATM withdrawal fees after a capped allowance of free ATM withdrawals. The card is perfect for users who want to spend directly on-chain.

Monolith Card Features, Pros & Cons

Key Features

1. A crypto card based on Ethereum
2. Payments via DeFi supported
3. Spending TKN rewards earned
4. Conversion from crypto to fiat instantly
5. A mobile app for management of the card

Pros

1. A card with DeFi features
2. Use of blockchain is visible
3. Payments from multiple crypto wallets
4. Tokens earned on transactions
5. Unique features for crypto users

Cons

1. Supporting few cryptocurrencies
2. Transaction fees
3. Smaller merchant acceptance
4. Not beginner-friendly
5. Limited global availability

8. Uphold Card

The Uphold Card is a flexible alternative to the Crypto.com card. This card also supports spending from a wide variety of assets, including crypto, fiat, and metals, which are all held within your Uphold wallet.

Some cards provide special purchases with less than 1 percent foreign transaction costs, plus low exchange rates. Travelers and international spenders frequent this. Uphold, for example, has supported major crypto, stablecoins, and zero annual fees. People want unique multi-asset spending and cards that offer premium, prices, and checkout, bonus lies fees.

Uphold Card Features, Pros & Cons

Key Features

1. Spending multi-currency crypto and fiats
2. Conversion from crypto to fiat
3. Rewarding cashback for purchases
4. Payments made contactlessly
5. Via the Uphold app

Pros

1. Spending crypto is uncomplicated
2. Many cryptocurrencies available
3. Cash back is attractive
4. Conversions are instant
5. The platform is secure and regulated

Cons

1. Foreign transactions are costly
2. Rewards for those on the app’s highest tier are limited
3. For some, the app is complicated
4. There are country restrictions
5. An Uphold account is needed

9. CryptoPay Card

Using the CryptoPay Card, the user is able to spend cryptocurrency anywhere instantly. It converts digital currencies, such as BTC, ETH, and others, to fiat currency at the point of sale. As a Crypto.com card alternative, it is useful for international transactions. It offers a Visa prepaid card, and typically has a small issuance or subscription fee.

You may load multiple supported digital assets with the CryptoPay app. Fees may include a small top-up fee and ATM withdrawal fees. Although it does not provide a large amount of cashback, CryptoPay tends to be a good card for everyday use due to its seamless crypto spending.

CryptoPay Card Features, Pros & Cons

Key Features

1. Support for multi-crypto and fiats
2. Crypto to fiat converters on the spot
3. Access to ATMs worldwide
4. An integrated mobile app
5. Support from Visa/MasterCard networks

Pros

1. Spending is quick and simple
2. Support for various cryptocurrencies
3. ATMs accessible globally
4. Mobile app for wallet controls
5. The platform is regulated

Cons

1. Limited cash back and/or rewards
2. Some actions on the platform come with fees
3. Services available vary by region
4. There is little to no advanced functionality
5. KYC verification is needed

10. Shakepay Card

A Crypto.com card alternative targeted at Canada, the Shakepay Visa Prepaid Card enables users to earn up to ~1.5% in Bitcoin rewards on regular purchases. It accepts balances of Ethereum (ETH) and Bitcoin (BTC), which you can store in your Shakepay account or use to fund the card.

The card can be used anywhere Visa is accepted, and there are no annual fees or credit checks. It’s fantastic for basic Bitcoin rewards and quick spending, even though the incentives are smaller than those of some competitors. This is especially true for Canadians who want to gradually increase their Bitcoin holdings.

 Shakepay Card Features, Pros & Cons

Key Features

1. Debit card for cryptocurrency in Canada
2. Direct spending of Bitcoin and Ethereum
3. Conversion to CAD is instant
4. Cash back in BTC
5. Mobile app for management of accounts

Pros

1. Crypto spending without a middleman
2. BTC cashback
3. App is simple and user-friendly
4. Conversions are instant
5. Canadian platform is reliable

Cons

1. Canada only
2. BTC and ETH only
3. Certain ATM charges
4. No support for multiple currencies
5. No lofty tier rewards

Comparison Table

Card Name	Supported Assets	Rewards / Cashback	Fees	Best Feature
Binance Visa Card	BTC, BNB, ETH, & more	Up to ~8% cashback (BNB)	No annual fee; small conversion fees	High crypto rewards
Coinbase Card	BTC, ETH, USDC & many others	Up to ~4% crypto rewards	No annual fee; conversion fee (~2.49%)	Easy integration with Coinbase
Wirex Card	150+ cryptos + fiat	Up to ~8% Cryptoback™	No annual or forex fees; small top‑up fees	Multi‑currency and rewards
BitPay Card	BTC, ETH, LTC, USDC, etc.	No major cashback	No annual fee; ATM & foreign fees may apply	Simple Bitcoin spending
Nexo Card	BTC, ETH, XRP, NEXO & more	Up to ~2% rewards	No annual fee; low FX/ATM fees	Spend without selling crypto
SpectroCoin Card	BTC, LTC, XRP & fiat	Limited rewards	Prepaid fees; ATM/usage fees apply	Simple prepaid spending
Monolith Card	ETH & ERC‑20 tokens	No major cashback	Loading & usage fees	Non‑custodial DeFi spending
Uphold Card	Crypto, fiat, metals	Up to ~4% rewards	No foreign transaction fees; conversion fees	Multi‑asset spending
CryptoPay Card	BTC, ETH, stablecoins	No major cashback	Issuance/top‑up & ATM fees	Easy global Visa spending
Shakepay Card	BTC & ETH	Up to ~1.5% BTC rewards	No annual fee; Canadian usage	Bitcoin rewards in Canada

Conclusion

Your spending patterns, supported assets, and reward preferences will determine which Crypto.com card substitute is perfect for you. High cashback incentives make cards like the Binance Visa Card and Wirex Card stand out, while the Coinbase Card and Uphold Card provide ease of use and extensive asset coverage.

The Nexo Card is a great choice for consumers who wish to make purchases without having to sell cryptocurrency. The Shakepay Card is the best option for Bitcoin rewards in Canada, whereas BitPay, Monolith, and CryptoPay concentrate on simple crypto-to-fiat transactions.

All things considered, these options offer customizable costs, widespread acceptability, and a variety of cryptocurrency support, making them excellent options for regular cryptocurrency spending in 2026.

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